CN106600262A - System and method for automatically adjusting payment modes according to different wifis - Google Patents

System and method for automatically adjusting payment modes according to different wifis Download PDF

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Publication number
CN106600262A
CN106600262A CN201611047868.2A CN201611047868A CN106600262A CN 106600262 A CN106600262 A CN 106600262A CN 201611047868 A CN201611047868 A CN 201611047868A CN 106600262 A CN106600262 A CN 106600262A
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China
Prior art keywords
payment
module
service set
memory module
wifi
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CN201611047868.2A
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Chinese (zh)
Inventor
陈君
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Shanghai Feixun Data Communication Technology Co Ltd
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Shanghai Feixun Data Communication Technology Co Ltd
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Priority to CN201611047868.2A priority Critical patent/CN106600262A/en
Publication of CN106600262A publication Critical patent/CN106600262A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment 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
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W48/00Access restriction; Network selection; Access point selection
    • H04W48/16Discovering, processing access restriction or access information

Abstract

The invention relates to the field of mobile payment, and specifically relates to a system and method for automatically adjusting payment modes according to different wifis. The system comprises a storage module, a matching module, and a switching module. The storage module is used for storing the mapping relation between different wireless network service set identifications and the payment modes. The matching module is used for carrying out the matching of the service set identification of a current network with the service set identification stored in the storage module. The switching module is used for switching the payment mode corresponding to the service set identification of the current network to a current payment mode. According to the invention, the system and method switch the payment modes according to the difference of network environments, so as to meet the requirements of safety and convenience in different environments.

Description

A kind of system and method according to the different wifi adjust automaticallies means of payment
Technical field
The present invention relates to mobile payment field, and in particular to a kind of system according to the different wifi adjust automaticallies means of payment And method.
Background technology
With the development of information age, payment custom of the people in life there occurs very big change.Pay in cash The defect of inconvenience is exchanged in presence in nominal fee, and it is stolen then to there is client's carrying buckets of cash in the payment of wholesale expense Risk, under the information age, the means of payment has larger upgrading space.
With the popularization that bank network is serviced, bank card has obtained the application of more high frequency in consumption clearing.Consumer Only need to that just shopping clearing can be carried out in the market for being provided with banking terminal using bank card, provide greatly for customer consumption It is convenient.Under such clearing form, Consumer's trip shopping no longer needs to carry buckets of cash, reduces the stolen wind of cash Danger.However, bank card pays the drawbacks of still existing certain.First, bank card when payment is manually entered password, this Easily there is password leakage in individual process, and is utilized by lawless person, causes the property loss of consumer.Second, support bank card , there is no all of public consumption place in the payment devices swiped the card, such as POS, only in some large-scale market, hotels Exist, also cause by the way of payment inconvenience to moving using common bank card.
With the intelligent popularization and the development of mechanics of communication of mobile phone, carrying out that E-Payment has become using mobile phone can Certain popularization and application and can be had been obtained for.From a structural point, the E-Payment of mobile phone can substantially be divided into hardware Pay and software pays two kinds, wherein hardware pays, and refers to that needing user to be used in combination with mobile phone by a hardware is paid. The hardware such as similar three dimensionality mobile phone card reader, drawing OK a karaoke club mobile phone card reader and mobile phone are combined together the effect that can just reach payment Really.
And software is paid then without the need for such special hardware, payment cost is reduce further.And in the data paid by mails In communication, have the various ways such as bluetooth or WIFI and selected, and wherein, the transmission range of bluetooth is limited, typically all exists 10 meters -15 meters, coverage rate is not only.Bluetooth,(Bluetooth)Host-host protocol it is identical with other 2.4G equipment, all be share this The signal of one frequency range, this is also resulted in part occasion, and data-signal can have a certain degree of interfering with each other.Compared to indigo plant Tooth, wireless WIFI(WIreless-FIdelity)Communication is then more suitable for Mobile banking.Its standard for using has two, It is respectively IEEE802.11a and IEEE802.11b, long transmission distance, covering radius can reach 100 meters or so.Also, WIFI Transmission speed it is also very fast, 11mbps can be reached, more meet the demand of personal and social informatization.And existing intelligent hand Machine, WIFI module also tends to that for standard configuration, short-distance wireless communication can be carried out by WIFI, realizes data exchange and service.
As publication No. by the Chinese patent document of the A of CN 102682382 announce it is a kind of based on WIFI signal identify Mobile-payment system, comprising WIFI network, server, user and businessman, user operates the mobile phone of oneself by WIFI network, Gathering request and the Business Information of businessman are got from server, payment action is subsequently completed.
But in actual life, mobile-phone payment has the different means of payment for the consideration of security.In order to improve Data safety during payment transaction, the means of payment can using such as multiple tracks data communications security agreement, data encryption link, The means such as authentication link, the addition of these means is served verifies that user identity, verification beneficiary information, data encryption are prevented The effect for only cracking, effectively improves security, but relative, and the membership that adds of multiple tracks data safety measures reduces communication effect Rate, increases the operating procedure of client, relatively complicated, reduces the experience sense of client.
The content of the invention
It is an object of the invention to provide a kind of system and method according to the different wifi adjust automaticallies means of payment, can basis The difference of current network conditions, the security of payment process and just under switching the corresponding means of payment to meet varying environment Victory is required.
The present invention above-mentioned technical purpose technical scheme is that:It is a kind of automatic according to different wifi The system of the adjustment means of payment includes wifi communication modules, also comprising memory module, matching module and handover module;The storage Module is used to store the mapping relations of different networks service set and the means of payment;The matching module is used for ought The service set of front network is matched with the service set stored in the memory module;The handover module is used for When matching consistent, the corresponding means of payment of the service set of current network is switched to into the current means of payment.
Used as the preferred of the present invention, the memory module includes memory module one and memory module two, the memory module Service set data of one data storage comprising wireless network;The data storage of the memory module two includes wireless network Service set data and the service set corresponding to the means of payment.
Used as the preferred of the present invention, the memory module one is connected with editor module.
Used as the preferred of the present invention, the editor module is that place indicates module, and the place sign module is used to mark Place name corresponding to the service set of wireless network.
Used as the preferred of the present invention, the memory module two is connected with setting module, and the setting module is used to change institute State the means of payment data in memory module two.
Used as the preferred of the present invention, the means of payment is the mobile phone wallet means of payment or Mobile banking's means of payment or third party Mobile-phone payment mode.
Invention additionally discloses a kind of method according to the different wifi adjust automaticallies means of payment, comprises the steps:
Step 1:Storing step;
The mapping relations of different networks service set and the means of payment are stored in a storage module;
Step 2:Search step;
Wifi module searches for the service set of active wireless network;
Step 3:Matching step;
Matching module contrasts the service set prestored in the service set of active wireless network and memory module;
Step 4:Switch step;
When the service set prestored in service set and the memory module of active wireless network is consistent, handover module Current payment mode is switched to the payment mode corresponding to the service set prestored in memory module.
Used as the preferred of the present invention, in the step 1, memory module includes memory module one and memory module two, institute Memory module one is stated for storing the corresponding service set data of wireless network, the memory module two is used for storage according to clothes The means of payment of the wireless network corresponding to business set identifier data.
Used as the preferred of the present invention, in the step 1, the memory module one is also associated with editor module, the volume It is that place indicates module to collect module, and the place sign module is used to mark the place corresponding to the service set of wireless network Title.
In the present invention, user can obtain the services set mark of the WIFI under current environment using the communication module Know to judge the wireless network environment being presently in.And by relatively prestoring services set mark in a storage module before Know and corresponding means of payment data, automatically adjustment is switched over to the current means of payment.Such mode, can be different Under wireless network environment, automatically using the different means of payment, it is convenient flexibly, and can meet payment agility and security Need.
Description of the drawings
Fig. 1 is a kind of structural representation of system according to the different wifi adjust automaticallies means of payment of optimal enforcement example;
Fig. 2 is a kind of schematic flow sheet of method according to the different wifi adjust automaticallies means of payment of optimal enforcement example.
Specific embodiment
Specific examples below is only explanation of the invention, and it is not limitation of the present invention, art technology Personnel can make as needed the modification without creative contribution after this specification is read to the present embodiment, but as long as All protected by Patent Law in scope of the presently claimed invention.
Embodiment one
User uses smart mobile phone, is under a wireless network environment.Including at least in diagram in the smart mobile phone of user Memory module and communication module.In the present embodiment, communication module is WIFI module, although radio communication has been implemented A variety of modes, such as common infrared ray, bluetooth, OPM also used in recent years extensive ZIGBEE technology.In these nothings In the technology of line communication, WIFI module is more suitable for the radio communication of this programme.
WIFI, as bluetooth, belongs to the short distance wireless technical used in office, family, public place. The frequency range of WIFI is a lot, 2.4G, also useful 5G, and general through-put power is in 1 milliwatt between 100 milliwatts.WIFI's is convenience-for-people Property, especially there is certain advantage in terms of the coverage of electric wave, and general coverage can reach 100 meters or so, can be with Meet daily demand.And relative to other wireless technologys, into standard configuration on smart mobile phone, user uses WIFI to WIFI module Module is as communication module when mobile-phone payment without the need for extra purchase hardware.For the data occurred during mobile-phone payment are passed Defeated, WIFI module can also meet the demand of flow speed.Different according to the standard for using, the speed of WIFI is also different.Its In, IEEE802.11b is up to 11Mbps, and IEEE802.11a and IEEE802.11g armies can reach 54Mbps, if made With Netgear SUPER technologies, the transmission speed of wireless WIFI can be lifted to 108Mbps, be entirely capable of meeting payment process In, the flow speed of safety data transmission and calculating.
User is entered in wireless network environment, such as in family.Then WIFI module starts to search for neighbouring WIFI network signal. In the present embodiment, the frequency for defining WIFI module search is that automatically search once, in scanning process, can scan nothing per 30 seconds The corresponding service set of gauze network.Service set identifier(Service Set Identifier; SSID), for name and WLAN is distinguished, the multiple different service set identifiers that WIFI module is searched can be included on mobile phone screen.
User selects the wireless network corresponding to corresponding service set identifier to be attached, and carries out mobile-phone payment. During this, memory module can be stored to the service set identifier corresponding to the wireless network of connection, be stored in storage In module.And the means of payment for being used instantly, in being also stored on memory module.
Memory module specifically described herein, can be mobile phone in built-in fuselage internal memory, such as mobile phone ROM, or hand The external storage device of machine, such as SD card, mmc card, MINISD cards, TF cards etc..The network has been arrived in storage in a storage module Corresponding service set identifier data and the mobile-phone payment mode corresponding to the network.
When user is stayed in family, by the private network of oneself is at home, comparatively safety coefficient is higher, is made Mobile-phone payment mode is based on convenient.Now, user can arrange relatively simple, and verification step or encrypting step are more just Prompt mode of operation, the cell phone password means of payment for for example only relying on six to eight is traded, and this means of payment is also stored down Come, deposit in a storage module.
When user places oneself in the midst of public network, such as certain Fashion brand shop, such businessman belongs to large-scale trade company, uses Mode of doing business is more complete and perfect.What deserves to be explained is, the WIFI module of this paper is intended only as recognizing network and connection network It is used, is not to limit the technical program to use the means of payment of pure software.For example now user's selection is software and hardware With reference to mode paid, on mobile phone include NFC module, businessman also possess NFC read equipment, carried out by way of NFC Transaction, contains encryption and verification step in process of exchange, user only needs to the NFC transaction systems for providing mobile phone near businessman , such means of payment is also stored in memory module together with the corresponding service set of the network.
If user mobile phone lacks necessary hardware supported, for example, it is not all possess NFC module per a smart mobile phone, So can also be paid by the way of software merely, this kind of means of payment is due to being that, in public occasion, possibility is more Can take into account security.Specifically, businessman sends and pays request, and amount information, consumption kind are contained in the data for paying request Category information, Merchant Account information etc..Pay request to be received by WIFI network by user mobile phone.After reception, user itself Verified by self identity information, the mode of checking can be comprising finger print information checking, the checking of user name encrypted message, third party One or more of the authentication modes such as account authorization certification.After user identity message checking, it is true that user can also increase transaction Recognize checking link, user is viewed the relevant information in the payment request that businessman sends by communication module, carries out confirmation comparison. After comparison, the authorization identifying in payment link is carried out again, such as password confirming or fingerprint identification are traded confirmation.Nothing By the means of payment for being pure software, or software and hardware combining the means of payment can, and be stored in a storage module, together with The service set of the wireless network.
Similar mentioned above, user can constantly add the information in memory module, addition storage own home, Peng Youjia, Office, market, coffee shop, any wireless network services set identifier of other PEs and the means of payment, and both data Correspond in a storage module.
In the network environment come before user comes for the second time, and add after the wireless network, the communication mould Block, i.e. WIFI module, have got the service set of current network.Matching module is included in system, matching module will be current The service set prestored in the service set and memory module of network is compared.
Specifically, matching module is an instruction set for being integrated in interior of mobile phone, is realized writing code by manufacturer, is encoded Language can be according to the different and different of cell phone system platform.For example, iOS platform developments language be Objective-C, Android The development language of Android platform is java, and the development language of Microsoft's Windows phone7 platforms is C#, Saipan symbian The system version development language of platform is C++.And developer writes the purpose of the code of matching module, matching module is exactly allowed to be gathered around Have inquiry and compare two functions, query function be exactly with the communication module of system, i.e. WIFI module find it is current wireless The service set of network is keyword, rolls search inquiry automatically in a storage module.And be relatively exactly to use current wireless network In the service set and memory module of network look up by scrolling to service set be compared, whether see.
If after comparison, judge the services set mark that the service set of active wireless network is prestored with certain Sensible same, then after pointing out user, user to confirm, handover module is just by the corresponding means of payment prestored in memory module Recall, switch to the current means of payment for users to use.And the means of payment is also prestored in a storage module, different nothings Gauze network possesses different service sets, and different service sets just correspond to different payment modes.
And the data of means of payment storage are just increasingly complex and abundant, as a example by hereafter, data form can be:
Whether other hardware modules of calling mobile phone(Y/N);
Consumption information acquisition modes;
The legitimacy verification process of consumption information;
The screen prjection mapping process of consumption information;
The detailed process that subscriber identity information is veritified;
Whether Third-party payment information is called(Y/N);
Payment account transfers process;
Consumption information confirms and payment process.
According to the difference of safe mode, the data storage form of the means of payment can be slightly different with above, such as in safety In the high means of payment of level, it is possible to be set to multiple tracks the step for subscriber identity information is veritified, and is not excluded for introducing the The data reserve that three party databases are veritified as identity information is for calling.And last one consumption information confirms and payment process Multiple tracks also can be set in the high means of payment of safe class, and it is possible to need other program modules to carry out feature auxiliary Help.
On the other hand, during partial payment, there is amount of money identification module, i.e., for dealing money system default or By user arrange a trading standard, under this standard, user use easy trade mode, this standard it On, user uses complicated trade mode.
Judging standard is such as set for 1000 yuan, when the transaction data gold included in the consumer requests information that cellphone subscriber receives When volume is less than 1000 yuan, just enables and exempt from close pattern, can directly carry out reimbursement of expense after the information of verification operator.Work as number It is higher than 1000 yuan according to the amount of money, then using payment authentication pattern, after the information of verification operator, still needs input transaction close Code carries out the authorization identifying of this transaction, just the confirmation by consumption information and payment process.
When subscriber identity information certification and consumption information confirm that the link that this twice program is arranged is more, then process of consumption Security is then made an appointment, but, due to data numerous and diverse and link it is various, convenience and transactions velocity are then affected;Instead It, subscriber identity information certification and consumption information confirm the more few even clear-cut cancellation of link that this twice program is arranged, then disappear The convenience and transactions velocity for taking process is most fast, but security then receives certain impact.
Under such technical scheme, user uses the different means of payment in different environment, meets different The security of the occasion means of payment and the differentiated demand of convenience.
Embodiment two
It is the optimization on the basis of embodiment one.
The structural representation of the present embodiment is shown referring to Fig. 1 and Fig. 2, Fig. 1, Fig. 1 is shown the structure in figure one Under, the data flowchart of the present embodiment.
From unlike embodiment one, memory module has been divided into memory module one and memory module two, the number that both store According to difference.In memory module one store be network identity information, and in memory module two store be payment information.Specifically , the service set information of network is store in memory module one, and service set is at least store in memory module two Payment information corresponding to information.
As shown in figure 1, memory module one is also associated with editor module, the effect of editor module is in memory module one Information enters edlin and remarks.For example, editor module is place sign module, can be to service stored in memory module one Set identifier information adds corresponding position location information.Position location information can be text input addition, and user is manually entered The corresponding address descriptor of the network.Can also be that site identifications module is linked with d GPS locating module or mapping module, by the net The corresponding GPS location address of network is automatically added to, and helps user and browses access at ordinary times.
Certainly, editor module can also can carry out Security assortment for other sign modules, such as designer for user Label,(SAFETY TIPS), the means of payment and the corresponding service set of wireless network be stored in and deposited by such as user at the beginning While storage module, user can carry out Security assortment by editor module to the service set of the wireless network of storage The classification of label, from security green, yellow, redness are divided into from high to low.And when the means of payment sets, also select phase The means of payment of security is answered, it is matching.Later stage, user can use editor module, the wireless network to same set of tags side Network carries out unified management and editor.For example, user wants to check and manage the payment verification mode in the cafe of market, uses Family just can make a look up into editor module and check, find all of wireless network under same Security assortment label at that time The corresponding means of payment.
As depicted in figs. 1 and 2, when user enters a wireless network environment, matching module running, by active wireless network Service set information and memory module in all service sets compare, after comparison terminates, find without The record matched somebody with somebody, now just illustrates, user has first entered into a new wireless network environment.
Now, setting module brings into operation, and points out user to set the means of payment of current network.After being provided with, system By the mobile-phone payment mode of current setting together with the service set of current network, in being stored in memory module two, data are completed Renewal.
Setting module also has other mode of operations, for example, does not point out user to be configured, but track record user works as The front means of payment, and be stored in the current means of payment as data storage in memory module two.
According to described herein, user carries out self-defined in into strange network environment to the means of payment, and system can be by The network information and payment information are stored in memory module.After user is again introduced into identical network, communication module can be examined The service set of current network is measured, line retrieval of going forward side by side matching searches out the corresponding means of payment and switches over.User need not Oneself carry out the selection of the means of payment, the switching of system Auto-matching, high degree of automation, effect manually in different network environments Rate is fast.And on the other hand, the means of payment under different network environments is different, efficiency is adopted in security more preferably network environment The preferential means of payment, and in public middle switching is using the preferential means of payment of safety.
In sum, the present invention has the advantages that:
1st, memory module can preset the service set and the corresponding means of payment of heterogeneous networks.
2nd, communication module can automatically search for the WIFI of environment nearby.
3rd, matching module and handover module can switch mobile-phone payment mode according to the service set of current network conditions For the default corresponding means of payment.
4th, whole-course automation degree is high, without the need for loaded down with trivial details artificial setting.
5th, editor module can carry out the addition setting of personalization to the other information of service set.

Claims (9)

1. a kind of system according to the different wifi adjust automaticallies means of payment, comprising wifi communication modules, it is characterised in that:Also wrap Containing memory module, matching module and handover module;
The memory module is used to store the mapping relations of different networks service set and the means of payment;
The matching module is used to enter the service set of current network with the service set of storage in the memory module Row matching;
The handover module is used for when matching consistent, the corresponding means of payment of the service set of current network is switched to and is worked as The front means of payment.
2. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 1, it is characterised in that:Institute Memory module is stated comprising memory module one and memory module two, the clothes of the data storage comprising wireless network of the memory module one Business set identifier data;Service set data of the data storage of the memory module two comprising wireless network and the services set mark Know the corresponding means of payment.
3. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 2, it is characterised in that:Institute State memory module one and be connected with editor module.
4. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 3, it is characterised in that:Institute State editor module and indicate module for place, place sign module is used to marking corresponding to the service set of wireless network Place name.
5. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 2, it is characterised in that:Institute State memory module two and be connected with setting module, the setting module is used for the means of payment number changed in the memory module two According to.
6. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 1 or 2 or 3 or 4 or 5, It is characterized in that:It is described to switch to the current means of payment to be to call the payment interface of the corresponding means of payment.
7. a kind of method according to the different wifi adjust automaticallies means of payment, it is adaptable to which basis according to claim 1 is not With the system of the wifi adjust automatically means of payment, it is characterised in that:Comprise the steps:
Step 1:Storing step
The mapping relations of different networks service set and the means of payment are stored in a storage module;
Step 2:Search step
Wifi module searches for the service set of active wireless network;
Step 3:Matching step
Matching module contrasts the service set prestored in the service set of active wireless network and memory module;
Step 4:Switch step
When the service set prestored in service set and the memory module of active wireless network is consistent, handover module Current payment mode is switched to the payment mode corresponding to the service set prestored in memory module.
8. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 7, it is characterised in that: In the step 1, memory module includes memory module one and memory module two, and the memory module one is used to store wireless network Corresponding service set data, the memory module two is used for the wireless network of storage according to corresponding to service set data The means of payment of network.
9. a kind of system according to the different wifi adjust automaticallies means of payment according to claim 8, it is characterised in that: In the step 1, the memory module one is also associated with editor module, and the editor module is that place indicates module, describedly Point sign module is used to mark the place name corresponding to the service set of wireless network.
CN201611047868.2A 2016-11-21 2016-11-21 System and method for automatically adjusting payment modes according to different wifis Pending CN106600262A (en)

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