CN106384235A - Payment method and system and mobile terminal - Google Patents
Payment method and system and mobile terminal Download PDFInfo
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- CN106384235A CN106384235A CN201610784448.6A CN201610784448A CN106384235A CN 106384235 A CN106384235 A CN 106384235A CN 201610784448 A CN201610784448 A CN 201610784448A CN 106384235 A CN106384235 A CN 106384235A
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- payment
- mobile terminal
- information
- communication equipment
- pay invoice
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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
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a payment method and system and a mobile terminal. The payment method is applied to the payment system; the payment system comprises a payment inductor, a communication device and the mobile terminal; and the communication device is connected with both the payment inductor and the mobile terminal, and has unidirectional transmission and active wakeup functions. The payment method comprises that the payment inductor scans an identification code of a commodity and generates a payment order; the payment inductor sends the payment order to the communication device; the communication devices generates a wakeup instruction and sends the wakeup instruction and payment order to the mobile terminal; and the mobile terminal receives the wakeup instruction and payment order, receives a payment instruction, receives and verifies a payment password, and pays for the payment order when the payment password is correct. The payment method and system and the mobile terminal have the advantages that payment is simplified in process, convenient and safe.
Description
Technical field
The invention belongs to mobile payment field, more particularly, to a kind of method of payment, mobile terminal and payment system.
Background technology
With the development of mobile payment technology, the situation that people are paid using mobile phone or other wearable device is more next
More, wherein the situation using mobile-phone payment is the most extensive.Taking mobile-phone payment as a example, mobile phone need first to be connected into mobile data network or
WiFi, wherein mobile data network can consume the flow of user, produce expense, and the requirement to mobile phone for the WiFi is higher, and power consumption is also more；
In payment process, the now common means of payment has following two：The first, user first generates a bar shaped on mobile phone
Code, this bar code closes the payment accounts being coupled to user, and then attendant scans' bar code of businessman, from the payment accounts of user
Withhold, complete to pay；Second, businessman possesses a Quick Response Code, and user first scans Quick Response Code to enter the net of businessman with mobile phone
Page, then the service man of businessman informs the spending amount of user, and user manually inputs spending amount again on the webpage of businessman,
Withhold from the payment accounts of user, complete to pay.The above two means of payment is required for the manual of the service man of user and businessman
Operation is so that whole payment process is not convenient.
Content of the invention
The technical problem to be solved in the present invention is to overcome mobile payment mode in prior art to be required for user and business
The manual operation of the service man of family, so that the inadequate easily defect of whole payment process, provides one kind easily method of payment, shifting
Dynamic terminal and payment system.
The present invention is to solve above-mentioned technical problem by the following technical programs：
A kind of method of payment, described method of payment is applied to payment system, and described payment system includes：Payment induction apparatuss,
Communication equipment and mobile terminal, described payment induction apparatuss are connected with described communication equipment, described communication equipment also with described movement
Terminal connects, and described communication equipment has one-way transmission and active arousal function, and described method of payment includes：
The identification code of described payment induction apparatuss items scanning simultaneously generates pay invoice；
Described payment induction apparatuss send described pay invoice to described communication equipment；
Described communication equipment produces and wakes up instruction and send described wake-up instruction and described pay invoice to described movement
Terminal；
Described mobile terminal reception is described to wake up instruction and described pay invoice, receives payment instruction, receives and verify and prop up
Pay password, and pay described pay invoice when described payment cipher is correct.
The technical program has convenient payment, simple, the quick advantage of whole payment process.
It is preferred that described mobile terminal includes communication module, processor unit, financial processing module and crypto module；
Described mobile terminal reception is described to wake up instruction and described pay invoice, receives payment instruction, receives and verify and prop up
Pay password, and pay described pay invoice when described payment cipher is correct and include：
Described communication module receives described wake-up and instructs and described pay invoice；
Described processor unit is according to financial processing module described in described wake-up wake instruction；
Described finance processing module obtains described pay invoice；
Described finance processing module receives payment instruction；
Described crypto module receives payment cipher and verifies whether described payment cipher is correct；
When verifying that described payment cipher is correct, described finance processing module pays described pay invoice.
It is preferred that described communication equipment also has positioning function, described method of payment also includes：
Described communication equipment passes through positioning and determines the distance between described communication equipment and described mobile terminal, and in institute
When stating distance less than predetermined threshold value, described communication equipment pushes the first information to described mobile terminal；
Described mobile terminal receives the described first information and exports the described first information and/or the first information, described
First information receives the described first information for prompting.
It is (i.e. little with the distance between described communication terminal to entering shop or neighbouring client that the technical program can be applicable to businessman
Mobile terminal in predetermined threshold value) push sales promotion information situations such as, before customer purchase, can be drawn by the described first information
Lead customer purchase.
It is preferred that described method of payment also includes：
Described pay invoice is backed up by described mobile terminal.
It is preferred that described method of payment also includes：
Described mobile terminal is abandoned when not receiving described payment instruction paying；
And/or, described mobile terminal exports the second information when incorrect verifying described payment cipher, and described second
Information is used for pointing out described payment cipher wrong.
It is preferred that the described pay invoice of described payment, including：
Described mobile terminal judges whether the payment accounts of described mobile terminal binding possess and pays described pay invoice
Ability to pay, if so, then described mobile terminal pays to described pay invoice, if it is not, then described mobile terminal output the
Three informations, described 3rd information is used for prompting and pays unsuccessfully.
It is preferred that described payment cipher is finger print information.
A kind of mobile terminal, including：
Communication module, for receiving wake-up instruction and the pay invoice of external equipment transmission；
Processor unit, for according to described wake-up wake instruction finance processing module；
Described finance processing module, is additionally operable to after being waken up obtain described pay invoice, and receives payment instruction；
Crypto module, for, after described finance processing module receives described payment instruction, receiving and validation of payment being close
Code；
Described finance processing module, is additionally operable to when described crypto module verifies that described payment cipher is correct pay described
Pay order.
It is preferred that described mobile terminal also includes：Output module；
Described communication module, is additionally operable to receive the first information that described external equipment pushes；
Described output module, for, after described communication module receives the described first information, exporting the described first information
And/or first information, described first information receives the described first information for prompting.
It is preferred that described mobile terminal also includes：
Backup module, for backing up described pay invoice.
It is preferred that described finance processing module, it is additionally operable to judge whether to receive described payment instruction, if not receiving,
Then abandoning paying, if receiving, calling described crypto module；
And/or, described crypto module is additionally operable to export the second information, institute when the described payment cipher of checking is incorrect
State the second information to be used for pointing out described payment cipher wrong.
It is preferred that the described pay invoice of described payment, including：
Judge whether the payment accounts of described finance processing module binding possess the ability to pay paying described pay invoice,
If so, then described pay invoice is paid, if it is not, then exporting the 3rd information, described 3rd information is used for carrying
Show and pay unsuccessfully.
It is preferred that described payment cipher is finger print information, described crypto module includes：
Fingerprint identification unit, for, after described finance processing module receives described payment instruction, receiving finger print information
And verify described finger print information.
A kind of payment system, including a kind of mobile terminal of above-mentioned each optimum condition combination in any, also includes：Pay sensing
Device and communication equipment, described payment induction apparatuss are connected with described communication equipment, and described communication equipment is also with described mobile terminal even
Connect, described communication equipment has one-way transmission and active arousal function；
Described payment induction apparatuss, the identification code for items scanning simultaneously generates pay invoice, and by described pay invoice
Send to described communication equipment；
Described communication equipment, wakes up instruction and wakes up instruction and described pay invoice sends to described by described for producing
Mobile terminal.
It is preferred that described communication equipment also has positioning function；
Described communication equipment, is additionally operable to determine the distance between described communication equipment and described mobile terminal by positioning,
And when described distance is less than predetermined threshold value, push the first information to described mobile terminal.
It is preferred that described communication equipment is iBeacon equipment (a kind of communication equipment of use BLE technology).
On the basis of meeting common sense in the field, above-mentioned each optimum condition, can combination in any, obtain final product each preferable reality of the present invention
Example.
The positive effect of the present invention is：The present invention is capable of easily paying, and whole payment process is very
Simply, quickly, safely it might even be possible to realize self-help shopping in the case of trade company no shop assistant for the user.
Brief description
Fig. 1 is the schematic block diagram of the payment system of the embodiment of the present invention 1 and embodiment 6.
Fig. 2 is the flow chart of the method for payment of the embodiment of the present invention 1.
Fig. 3 is the partial process view of the method for payment of the embodiment of the present invention 2.
Fig. 4 is the flow chart of S104 in the method for payment of the embodiment of the present invention 2.
Fig. 5 is the schematic block diagram of the mobile terminal of the embodiment of the present invention 4.
Fig. 6 is the schematic block diagram of the mobile terminal of the embodiment of the present invention 5.
Specific embodiment
Further illustrate the present invention below by the mode of embodiment, but therefore do not limit the present invention to described reality
Apply among a scope.
Embodiment 1
A kind of method of payment is applied to payment system, as shown in figure 1, described payment system includes：Pay induction apparatuss 01, lead to
Letter equipment 02 and mobile terminal 03, described payment induction apparatuss 01 be connected with described communication equipment 02, described communication equipment 02 also with
Described mobile terminal 03 connects, and described communication equipment 02 has one-way transmission and active arousal function.Wherein, described payment senses
Device 01 can be attached using wireless mode with described communication equipment 02；Or, connected using wired mode；Specifically, no
Line mode can be：Standard that wifi, wifi are direct-connected, ZigBee, bluetooth etc. are wireless；Described communication equipment 02 is also mobile whole with described
End 03 is wirelessly connected by ibeacon standard；
In addition, the number of payment induction apparatuss 01 and communication equipment 02 can be configured according to concrete deployment requirements, it is
Set up feasible network service, this payment system can also include some other necessary equipment, for example, hotspot device, net
Close etc., not limit herein.
As shown in Fig. 2 described method of payment includes：
S101, the identification code of described payment induction apparatuss items scanning simultaneously generate pay invoice.
S102, described payment induction apparatuss send described pay invoice to described communication equipment.
S103, described communication equipment produce and wake up instruction and wake up instruction and described pay invoice sends to described by described
Mobile terminal.
S104, described mobile terminal receive described wake-up and instruct and described pay invoice, receive payment instruction, receive and test
Card payment cipher, and described pay invoice is paid when described payment cipher is correct.
Wherein, described identification code can play mark action, the knowledge by items scanning for the described payment induction apparatuss to commodity
Other code, it is possible to obtain the information such as the title of commodity, price, described identification code is specifically as follows bar code, Quick Response Code etc., described
Pay the function that induction apparatuss have existing code reader；
The pay invoice generating can include merchant information, the title of commodity and price, the time bought, buy commodity
Total amount, the actual account payable amount of money, preferential amount of money etc..
In actual shopping and pay in scene, described pay what induction apparatuss and described communication equipment should possess for businessman
Equipment, the equipment that described mobile terminal should possess for client, client chooses the commodity wanting to buy, and the shop assistant of businessman utilizes
The identification code of described payment induction apparatuss items scanning simultaneously generates pay invoice, and client completes payment on the mobile terminal and is
Can.In order to reduce the human cost of trade company so that whole payment process is more convenient, businessman can not reoffer shop assistant, only
The a certain position that induction apparatuss are fixed in retail shop need to be paid described, client just voluntarily can will want the commodity bought to take to institute
State the identification code paying items scanning near sensing, then complete to pay the bill, realize self-help shopping.
The method of payment of the present embodiment is capable of easily paying, and whole payment process is very simple, quick, or even
Self-help shopping in the case of trade company no shop assistant for the user can be realized.
Embodiment 2
The present embodiment is further illustrating on the basis of embodiment 1：
Communication equipment in the present embodiment also has positioning function, as shown in figure 3, the method for payment of the present embodiment is also wrapped
Include：
S1001, described communication equipment pass through positioning and determine the distance between described communication equipment and described mobile terminal.
S1002, described communication equipment judge whether described distance is less than predetermined threshold value, if so, then execute S1003, if it is not,
Then return S1001.Wherein, described predetermined threshold value can be by businessman's sets itself.
S1003, described communication equipment push the first information to described mobile terminal.Wherein, the described first information can be
The sales promotion information of businessman, including the product of sales promotion, amount of money etc., whether the described first information can also be the meeting of businessman for client
Member, businessman consumer record etc..
S1004, described mobile terminal receive the described first information and export the described first information and/or the first prompting letter
Breath, described first information receives the described first information for prompting.Described first information can be jingle bell or shake
Move.
It is (i.e. little with the distance between described communication terminal to entering shop or neighbouring client that above-mentioned steps can apply to businessman
Mobile terminal in predetermined threshold value) push sales promotion information situations such as, before customer purchase, can be drawn by the described first information
Lead customer purchase.
As shown in figure 4, the S104 of the method for payment of the present embodiment also specifically includes following steps：
S1041, described mobile terminal receive described wake-up and instruct and described pay invoice.
S1042, described mobile terminal judge whether to receive payment instruction, and described payment instruction is inputted by client, is used for
Whether sign client determines will pay described pay invoice, if receiving, executing S1044, if not receiving, executing
S1043.In order to point out operating process for client, in another kind of better embodiment of the present embodiment, S1042 can also enter one
Step includes：Described mobile terminal prompting client's input payment instruction, whether the such as display screen display in mobile terminal " confirms to prop up
Pay？" prompting frame and "Yes" and "No" OptionButton etc., if client clicks on "Yes", show that client have input payment instruction,
Confirm to pay described pay invoice, if client clicks on "No", show that client does not input payment instruction, be not intended to pay described
Pay order.
S1043, described mobile terminal are abandoned paying.
S1044, described mobile terminal receive payment cipher and verify whether described payment cipher is correct, if correctly, holds
Row S1046, if incorrect, executes S1045.Described payment cipher is inputted by client, be specifically as follows numerical ciphers, letter close
Code, finger print information etc., wherein said payment cipher is that the safety of finger print information is higher.In order to point out operating process for client,
In another kind of better embodiment of the present embodiment, S1044 can further include：Described mobile terminal prompting client is defeated
Enter payment cipher, such as in the prompting frame of the display screen display " payment cipher please be input " of mobile terminal or " fingerprint please be input
Prompting frame of information " etc., whether correctly described mobile terminal verifies described payment cipher, can be specifically, will described pay close
Code is compared with the payment cipher that client reserves, if comparing identical, verifies that described payment cipher is correct, if differing,
Verify that described payment cipher is incorrect.
S1045, described mobile terminal export the second information, and described second information is used for pointing out described payment close
Code is wrong.Wherein, the output form of described second information does not limit, and can be the literary composition of the display screen display in mobile terminal
Word or the mike broadcasting voice using mobile terminal etc..Client, after obtaining described second information, can select to be again
Secondary input payment cipher is also to give up paying, if inputting payment cipher again, the new payment cipher of execution S1044 checking again
Whether correct.
S1046, described mobile terminal judge whether the payment accounts of described mobile terminal binding possess the described payment of payment
The ability to pay of order, if so, then executes S1048, if it is not, then executing S1047.Wherein, judge described mobile terminal binding
Whether payment accounts possess pays the ability to pay of described pay invoice and includes：Judge whether the remaining sum of described payment accounts is more than
Or be equal to the actual account payable amount of money of described pay invoice, or the remaining sum of bank card of described payment accounts binding or the credit card
Whether remaining amount is more than or equal to the actual account payable amount of money of described pay invoice, if so, then shows described payment accounts tool
The standby ability to pay paying described pay invoice, if it is not, then show that described payment accounts do not possess to pay described pay invoice
Ability to pay.
S1047, described mobile terminal export the 3rd information, and described 3rd information is used for prompting and pays unsuccessfully.
Wherein, the output form of described 3rd information does not limit, and can be in the word of display screen display of mobile terminal or profit
Play voice etc. with the mike of mobile terminal.
S1048, described mobile terminal pay to described pay invoice.In this step, described mobile terminal payment institute
The process stating pay invoice is identical with existing payment process, including：Mobile terminal and payment platform or bank's interconnection, from payment
Withhold in account, specifically repeat no more.
By above-mentioned steps, the method for payment of the present embodiment can ensure the secure payment of client.
The method of payment of the present embodiment also includes：After payment completes, execute S105：
Described pay invoice is backed up by S105, described mobile terminal.Specifically described pay invoice can be backed up beyond the clouds,
Client can be used using the pay invoice of backup in the after-sale services such as reimbursement, maintenance, replacing.
Embodiment 3
The method of payment of the present embodiment is essentially identical with the method for payment of embodiment 2, and difference is, the present embodiment
Mobile terminal includes communication module, processor unit, financial processing module and crypto module.
The method of payment of the present embodiment, in S1041, receives described wake-up by described communication module and instructs and described payment
Order, described processor unit is according to financial processing module, the financial processing module being waken up described in described wake-up wake instruction
Obtain described pay invoice.In addition, S1042-1043,1046-1048 by described finance processing modules implement, S1044-1045 by
Described crypto module is realized.
In the present embodiment, financial processing module possesses non-wake-up states and renew state, when financial processing module be in for
During non-wake-up states, its corresponding physical device does not go up electricity；When financial processing module is in as non-wake-up states, it is corresponding
Physical device does not go up electricity；By financial processing module described in described wake-up wake instruction, there is low-power consumption, save the excellent of electric energy
Point.
Embodiment 4
A kind of mobile terminal, as shown in figure 5, include：
Communication module 021, for receiving wake-up instruction and the pay invoice of external equipment transmission.
Processor unit 022, for according to described wake-up wake instruction finance processing module 023.
Described finance processing module 023, is additionally operable to after being waken up obtain described pay invoice, and reception payment refers to
Order.
Crypto module 024, for, after described finance processing module 023 receives described payment instruction, receiving and verifying
Payment cipher.
Described finance processing module 023, is additionally operable to pay institute when described crypto module verifies that described payment cipher is correct
State pay invoice.
Using the mobile terminal of the present embodiment, client can complete to pay quick, portablely.
Embodiment 5
The present embodiment is further illustrating on the basis of embodiment 5：
As shown in fig. 6, the mobile terminal of the present embodiment also includes：Output module 025.
Described communication module 021, is additionally operable to receive the first information that described external equipment pushes.Wherein, described first letter
Breath can be the sales promotion information of businessman, and including the product of sales promotion, amount of money etc., whether the described first information can also be business for client
The member of family, businessman consumer record etc..
Described output module 025, for, after described communication module receives the described first information, output described first is believed
Breath and/or the first information, described first information receives the described first information for prompting.Described first prompting letter
Breath can be jingle bell or vibrations etc..
Using the described first information, client can obtain the sales promotion information of businessman, contributes to the shopping of reasonable arrangement itself
Plan.
The financial processing module 023 of the present embodiment, is additionally operable to judge whether to receive described payment instruction, if not receiving
Arrive, then abandoning paying, if receiving, calling described crypto module.Described payment instruction is inputted by client, for characterizing client
Whether determination will pay described pay invoice.
Described crypto module 024 is additionally operable to receive payment cipher and verify whether described payment cipher is correct, if correctly,
Call described finance processing module, if incorrect, export the second information, described second information is used for pointing out described
Payment cipher is wrong.Wherein, described payment cipher is inputted by client, is specifically as follows numerical ciphers, letter code, finger print information
The safety being finger print information Deng, wherein said payment cipher is higher, and accordingly, described crypto module includes：Fingerprint recognition list
Unit, for, after described finance processing module receives described payment instruction, receiving finger print information and verifying described finger print information；
The output form of described second information does not limit, can be mobile terminal display screen display word or using move
Voice etc. play by the mike of dynamic terminal.Client, after obtaining described second information, can select to be that input pays again
Password is also to give up paying, if inputting payment cipher again, just whether described crypto module verify new payment cipher again
Really.
Described finance processing module 023, is additionally operable to, when verifying that described payment cipher is correct, judge that described finance processes mould
Whether the payment accounts of block binding possess the ability to pay paying described pay invoice, if so, then described pay invoice are carried out
Pay, if it is not, then exporting the 3rd information, described 3rd information is used for prompting and pays unsuccessfully.Wherein, judge described shifting
Whether the payment accounts of dynamic terminal binding possess pays the ability to pay of described pay invoice and includes：Judge described payment accounts
Whether remaining sum is more than or equal to the actual account payable amount of money of described pay invoice, or the bank card of described payment accounts binding is remaining
Whether the remaining amount of volume or the credit card is more than or equal to the actual account payable amount of money of described pay invoice, if so, then shows institute
State payment accounts and possess the ability to pay paying described pay invoice, if it is not, then showing that described payment accounts do not possess payment institute
State the ability to pay of pay invoice；The output form of described 3rd information does not limit, and can be the display screen in mobile terminal
The word of upper display or the mike broadcasting voice using mobile terminal etc.；Pay invoice described in described mobile terminal payment
Process is identical with existing payment process, including：Mobile terminal and payment platform or bank's interconnection, withhold from payment accounts
Deng specifically repeating no more.
By financial processing module 023 and the crypto module 024 of the present embodiment, the mobile terminal of the present embodiment can ensure
The secure payment of client.
The mobile terminal of the present embodiment also includes：
Backup module 026, for backing up described pay invoice.Specifically can be after payment completes, by described payment
Order backs up beyond the clouds, and client can be used using the pay invoice of backup in the after-sale services such as reimbursement, maintenance, replacing.
Embodiment 6
A kind of payment system, as shown in figure 1, including the mobile terminal in embodiment 4 or 5, also includes：Pay induction apparatuss
021 and communication equipment 022, described payment induction apparatuss 021 are connected with described communication equipment 022, described communication equipment 022 also with institute
State mobile terminal 023 to connect, described communication equipment 022 has one-way transmission and active arousal function；
Described payment induction apparatuss 021, the identification code for items scanning simultaneously generates pay invoice, and described payment is ordered
Single-shot delivers to described communication equipment；
Described communication equipment 022, for produce wake up instruction and by described wake up instruction and described pay invoice send to
Described mobile terminal.
Embodiment 7
The present embodiment is further illustrating in the payment system of embodiment 6：
Described communication equipment also has positioning function；
Described communication equipment, is additionally operable to determine the distance between described communication equipment and described mobile terminal by positioning,
And when described distance is less than predetermined threshold value, push the first information to described mobile terminal.
Mobile terminal in embodiment 1-7 can be mobile phone, Intelligent worn device (as Intelligent bracelet, intelligent watch etc.),
Described communication equipment can be iBeacon equipment, possess and be capable of embodiment in described mobile terminal and described communication equipment
The software/hardware module of described function in 1-7, such as processor, memorizer etc..
Although the foregoing describing the specific embodiment of the present invention, it will be appreciated by those of skill in the art that these
It is merely illustrative of, protection scope of the present invention is defined by the appended claims.Those skilled in the art is not carrying on the back
On the premise of the principle and essence of the present invention, various changes or modifications can be made to these embodiments, but these changes
Each fall within protection scope of the present invention with modification.
Claims (16)
1. it is characterised in that described method of payment is applied to payment system, described payment system includes a kind of method of payment：?
Pay induction apparatuss, communication equipment and mobile terminal, described payment induction apparatuss are connected with described communication equipment, described communication equipment also with
Described mobile terminal connects, and described communication equipment has one-way transmission and active arousal function, and described method of payment includes：
The identification code of described payment induction apparatuss items scanning simultaneously generates pay invoice；
Described payment induction apparatuss send described pay invoice to described communication equipment；
Described communication equipment produces and wakes up instruction and send described wake-up instruction and described pay invoice to described mobile terminal；
Described mobile terminal receives described wake-up and instructs and described pay invoice, receives payment instruction, receives and validation of payment is close
Code, and described pay invoice is paid when described payment cipher is correct.
2. method of payment as claimed in claim 1 is it is characterised in that described mobile terminal includes communication module, processor list
First, financial processing module and crypto module；
Described mobile terminal receives described wake-up and instructs and described pay invoice, receives payment instruction, receives and validation of payment is close
Code, and pay described pay invoice when described payment cipher is correct and include：
Described communication module receives described wake-up and instructs and described pay invoice；
Described processor unit is according to financial processing module described in described wake-up wake instruction；
Described finance processing module obtains described pay invoice；
Described finance processing module receives payment instruction；
Described crypto module receives payment cipher and verifies whether described payment cipher is correct；
When verifying that described payment cipher is correct, described finance processing module pays described pay invoice.
3. method of payment as claimed in claim 1 is it is characterised in that described communication equipment also has positioning function, described
The method of paying also includes：
Described communication equipment passes through positioning and determines the distance between described communication equipment and described mobile terminal, and described away from
From during less than predetermined threshold value, described communication equipment pushes the first information to described mobile terminal；
Described mobile terminal receives the described first information and exports the described first information and/or the first information, and described first
Information receives the described first information for prompting.
4. method of payment as claimed in claim 1 is it is characterised in that described method of payment also includes：
Described pay invoice is backed up by described mobile terminal.
5. method of payment as claimed in claim 1 is it is characterised in that described method of payment also includes：
Described mobile terminal is abandoned when not receiving described payment instruction paying；
And/or, described mobile terminal exports the second information, described second prompting when the described payment cipher of checking is incorrect
Information is used for pointing out described payment cipher wrong.
6. method of payment as claimed in claim 1 is it is characterised in that the described pay invoice of described payment, including：
Described mobile terminal judges whether the payment accounts of described mobile terminal binding possess the payment paying described pay invoice
Ability, if so, then described mobile terminal pays to described pay invoice, if it is not, then described mobile terminal output the 3rd carries
Show information, described 3rd information is used for prompting and pays unsuccessfully.
7. method of payment as claimed in claim 1 is it is characterised in that described payment cipher is finger print information.
8. a kind of mobile terminal is it is characterised in that include：
Communication module, for receiving wake-up instruction and the pay invoice of external equipment transmission；
Processor unit, for according to described wake-up wake instruction finance processing module；
Described finance processing module, is additionally operable to after being waken up obtain described pay invoice, and receives payment instruction；
Crypto module, for, after described finance processing module receives described payment instruction, receiving and validation of payment password；
Described finance processing module, is additionally operable to verify that described payment cipher pays described payment when correct and orders in described crypto module
Single.
9. mobile terminal as claimed in claim 8 is it is characterised in that described mobile terminal also includes：Output module；
Described communication module, is additionally operable to receive the first information that described external equipment pushes；
Described output module, for after described communication module receives the described first information, export the described first information and/or
First information, described first information receives the described first information for prompting.
10. mobile terminal as claimed in claim 8 is it is characterised in that described mobile terminal also includes：
Backup module, for backing up described pay invoice.
11. mobile terminals as claimed in claim 8, it is characterised in that described finance processing module, are additionally operable to judge whether to connect
Receive described payment instruction, if not receiving, abandoning paying, if receiving, calling described crypto module；
Described crypto module is additionally operable to when the described payment cipher of checking is incorrect export the second information, described second prompting
Information is used for pointing out described payment cipher wrong.
12. mobile terminals as claimed in claim 8 it is characterised in that the described pay invoice of described payment, including：
Judge whether the payment accounts of described finance processing module binding possess the ability to pay paying described pay invoice, if
It is then described pay invoice to be paid, if it is not, then exporting the 3rd information, described 3rd information is used for pointing out
Pay unsuccessfully.
13. mobile terminals as claimed in claim 8 it is characterised in that described payment cipher be finger print information, described password mould
Block includes：
Fingerprint identification unit, for, after described finance processing module receives described payment instruction, receiving finger print information and testing
Demonstrate,prove described finger print information.
A kind of 14. payment systems, it is characterised in that including the mobile terminal described in any one in claim 8-13, are also wrapped
Include：Pay induction apparatuss and communication equipment, described payment induction apparatuss are connected with described communication equipment, described communication equipment also with described
Mobile terminal connects, and described communication equipment has one-way transmission and active arousal function；
Described payment induction apparatuss, the identification code for items scanning simultaneously generates pay invoice, and described pay invoice is sent
To described communication equipment；
Described communication equipment, wakes up for generation and instructs and send to described movement described wake-up instruction with described pay invoice
Terminal.
15. payment systems as claimed in claim 14 are it is characterised in that described communication equipment also has positioning function；
Described communication equipment, is additionally operable to determine the distance between described communication equipment and described mobile terminal by positioning, and
When described distance is less than predetermined threshold value, push the first information to described mobile terminal.
16. payment systems as claimed in claim 15 are it is characterised in that described communication equipment is iBeacon equipment.
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| CN201610784448.6A CN106384235A (en) | 2016-08-30 | 2016-08-30 | Payment method and system and mobile terminal |
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| CN201610784448.6A CN106384235A (en) | 2016-08-30 | 2016-08-30 | Payment method and system and mobile terminal |
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