CN106651362A - Payment method based on payment instruction, payment terminal and system - Google Patents
Payment method based on payment instruction, payment terminal and system Download PDFInfo
- Publication number
- CN106651362A CN106651362A CN201610901453.0A CN201610901453A CN106651362A CN 106651362 A CN106651362 A CN 106651362A CN 201610901453 A CN201610901453 A CN 201610901453A CN 106651362 A CN106651362 A CN 106651362A
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- CN
- China
- Prior art keywords
- payment
- instruction
- information
- requestee
- unit
- Prior art date
- Legal status (The legal status 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 status listed.)
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Classifications
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
Abstract
The invention provides a payment method based on a payment instruction, a payment terminal and a system. Compared with the prior art, the method, the terminal and the system have the following beneficial effects that the payment information of a goods is acquired through near field or field, a payment instruction is further generated according to the payment information of a local payer, the payment process based on the payment instruction is completed subsequently, the payment process is completed without using a bank card such as a memory card or a credit card and without executing actions of card reading and user input, the payment process is simplified, the error rate is reduced, the payment efficiency is further improved, and as a verification device developed based on a pke system is adopted, the payment security of the user is ensured.
Description
Technical field
The present invention is a kind of based on the method for payment of payment instruction, payment terminal and system, belongs to E-Payment technology neck
Domain.
Background technology
With the continuous development of communication technology, people more and more depend on letter at daily near field or scene consumption
With means of payment such as card, deposit cards, and avoid directly using cash.The method of payment is manually input into or is scanned by user
The mode of the credit card/deposit card magnetic stripe to POS terminals send the information such as account, and POS terminals connect corresponding bank's window
Mouthful, and it is sent to pay request, after successful connection, further the payment action such as completed to transfer accounts by steps such as Password Inputs.
But the means of payment still needs by means of the credit card or deposit card to realize, and user needs to perform multistep
Input operation, payment process is comparatively laborious, and error rate is high, and then pays less efficient.With the extensive application of smart mobile phone, use
Family directly can be transferred accounts by mobile phone to friend.At present, when user wants to be transferred accounts to friend on mobile phone, common operation is：
The Net silver application of bank is installed, mounted Net silver application is then opened, tediously long shroff account number is input into（Such as the bank of beneficiary
Card number）To complete to transfer accounts.It can be seen that, above-mentioned transfer operation needs user that tediously long shroff account number is all filled in when transferring accounts every time,
Mode of operation is relatively complicated, and needs to expend user's more time.
The content of the invention
In view of the shortcomings of the prior art, it is an object of the present invention to provide it is a kind of based on the method for payment of payment instruction,
Pay terminal and system, to solve the problems, such as above-mentioned background technology in propose.
To achieve these goals, the present invention is by the following technical solutions realizing：It is a kind of based on payment instruction
Method of payment, including：
Payee to requestee sends gathering instruction；
Server receives gathering instruction, and transmission gathering instruction is to requestee；
Requestee receives gathering instruction by payment mechanism, by verifying that device verifies own identification, with electronics after checking identity
Form sends the fund command of money transfer for determining the amount of money；
Server receives fund command of money transfer, and fund is gone to into payee, and to payee and requestee's transmission payment result.
Further, the payee sends the gathering concrete step of instruction and is to requestee：
Payee to server sends the payment instruction with payment information, and the payment information is believed including payee's shroff account number
Breath, trade name, cargo price, commodity number and commodity total price.
Further, the server receives gathering instruction, transmission gathering instruction concretely comprising the following steps to requestee：
Server receives the payment instruction with payment information, by being connected with Ethernet, judges whether payment information is correct, and
According to judged result, to requestee's transmission gathering instruction；
Even payment information is correct, then server is to requestee's transmission gathering instruction；
If payment information mistake, server rejects this gathering instruction, and payment information mistake refers to commodity total price and cargo price
And the product of commodity number, or payee's shroff account number information is not present.
Further, the requestee receives gathering instruction by payment mechanism, by verifying that device verifies own identification,
Verify concretely comprising the following steps for the fund command of money transfer that the determination amount of money is electronically sent after identity：
The requestee receives payment instruction by payment mechanism, and the payment mechanism includes information receiving unit, Information Authentication
Unit, instruction reception unit, instruction generation unit and payment unit, the payment mechanism is received by instruction reception unit and paid
Money is instructed, and by verifying that device verifies own identification, the checking device includes information transmitting unit and secret key storage element,
Described information transmitting element extracts secret key by secret key storage element, and secret key is sent to information receiving unit, and information is received
Unit receives this key information, transmits to Information Authentication unit, and Information Authentication unit is by the secret key that stores in advance with itself
Matched, sent information to instruction generation unit after pairing is correct, instruction generation unit according to the payment information for obtaining with
And unpaired message, carry out integration encryption, that is, obtain payment instruction and send to payment unit, payment unit is according in payment information
Commodity total price electronically sends the fund command of money transfer for determining the amount of money to server.
Further, the server receives fund command of money transfer, and fund is gone to into payee, and to payee and pays
Money people transmits concretely comprising the following steps for payment result：
Server receives fund command of money transfer, according to fund command of money transfer and the payment instruction with payment information, to gathering
People's shroff account number proceeds to corresponding money；
Meanwhile, server is to payee and requestee's transmission payment result.
A kind of payment terminal based on payment instruction, including payment mechanism and checking device；
Payment mechanism includes information receiving unit, for receiving key information, and key information is transmitted to Information Authentication unit；
Information Authentication unit, for secret key to be matched with the secret key of itself storage in advance, sends information after pairing is correct
To instruction generation unit；
Instruction reception unit, for receiving payment instruction；
Instruction generation unit, according to the payment information and unpaired message that obtain, carries out integration encryption, that is, obtain payment instruction and send out
Deliver to payment unit；
Payment unit, the commodity total price in payment information electronically sends the fund command of money transfer for determining the amount of money to clothes
Business device；
The checking device includes information transmitting unit and secret key storage element；
Information transmitting unit is used to extract the secret key in secret key storage element, and sends to information receiving unit；
Secret key storage element, stores and matches secret key with the secret key of Information Authentication unit inside in advance storage.
Further, the checking device is based on pke system developments.
A kind of payment system based on payment instruction, including requestee, for being sent out with papery, magnetizing mediums or electronic form
Go out, according to the requirement of payee, determine the fund command of money transfer of the amount of money；
Server, for receiving fund command of money transfer, transmits fund command of money transfer, and to payee and requestee's transmission knot is paid
Really；
Payee, to requestee gathering instruction is sent, and receives what requestee electronically sent, and the fund for determining the amount of money turns
Account.
Beneficial effects of the present invention：The present invention's is a kind of based on the method for payment of payment instruction, payment terminal and system, leads to
Cross near field or scene and obtain the payment information of commodity, and then payment instruction is generated according to local payer payment information, after
It is continuous to complete based on the payment process of the payment instruction, should during without using bank cards such as storage card or the credit cards, also without
The actions such as Card Reader and user input need to be performed, that is, completes payment process, simplify payment process, reduce error rate, and then
Payment efficiency is improve, while employing based on the checking device of pke system developments, the safety that user pays has been ensured.
Description of the drawings
The detailed description by reading non-limiting example made with reference to the following drawings, the further feature of the present invention,
Objects and advantages will become more apparent upon：
Fig. 1 is a kind of structural representation of the payment system based on payment instruction of the present invention；
Fig. 2 is a kind of structural representation of the payment terminal based on payment instruction of the present invention.
Specific embodiment
Technological means, creation characteristic, reached purpose and effect to make present invention realization is easy to understand, with reference to
Specific embodiment, is expanded on further the present invention.
The present invention provides a kind of technical scheme：A kind of method of payment based on payment instruction, including：
Payee to requestee sends gathering instruction；
Server receives gathering instruction, and transmission gathering instruction is to requestee；
Requestee receives gathering instruction by payment mechanism, by verifying that device verifies own identification, with electronics after checking identity
Form sends the fund command of money transfer for determining the amount of money；
Server receives fund command of money transfer, and fund is gone to into payee, and to payee and requestee's transmission payment result.
Payee sends the concrete step of gathering instruction to requestee：
Payee to server sends the payment instruction with payment information, and the payment information is believed including payee's shroff account number
Breath, trade name, cargo price, commodity number and commodity total price.
Server receives gathering instruction, transmission gathering instruction concretely comprising the following steps to requestee：
Server receives the payment instruction with payment information, by being connected with Ethernet, judges whether payment information is correct, and
According to judged result, to requestee's transmission gathering instruction；
Even payment information is correct, then server is to requestee's transmission gathering instruction；
If payment information mistake, server rejects this gathering instruction, and payment information mistake refers to commodity total price and cargo price
And the product of commodity number, or payee's shroff account number information is not present.
Requestee by payment mechanism receive gathering instruction, by verify device verify own identification, checking identity after with
Electronic form sends concretely comprising the following steps for the fund command of money transfer of the determination amount of money：
Requestee by payment mechanism receive payment instruction, the payment mechanism include information receiving unit, Information Authentication unit,
Instruction reception unit, instruction generation unit and payment unit, the payment mechanism receives payment and refers to by instruction reception unit
Order, by verifying that device verifies own identification, the checking device includes information transmitting unit and secret key storage element, described
Information transmitting unit extracts secret key by secret key storage element, and secret key is sent to information receiving unit, information receiving unit
This key information is received, is transmitted to Information Authentication unit, Information Authentication unit is carried out by the secret key stored in advance with itself
Pairing, sends information to instruction generation unit after pairing is correct, instruction generation unit is according to the payment information for obtaining and matches somebody with somebody
To information, integration encryption is carried out, that is, obtain payment instruction and send to payment unit, commodity of the payment unit in payment information
Total price electronically sends the fund command of money transfer for determining the amount of money to server.
Server receives fund command of money transfer, and fund is gone to into payee, and pays to payee and requestee's transmission
Concretely comprising the following steps as a result：
Server receives fund command of money transfer, according to fund command of money transfer and the payment instruction with payment information, to gathering
People's shroff account number proceeds to corresponding money；
Meanwhile, server is to payee and requestee's transmission payment result.
Fig. 2 is referred to, the present invention provides a kind of technical scheme：A kind of payment terminal based on payment instruction, including payment
Device and checking device；
Payment mechanism includes information receiving unit, for receiving key information, and key information is transmitted to Information Authentication unit；
Information Authentication unit, for secret key to be matched with the secret key of itself storage in advance, sends information after pairing is correct
To instruction generation unit；
Instruction reception unit, for receiving payment instruction；
Instruction generation unit, according to the payment information and unpaired message that obtain, carries out integration encryption, that is, obtain payment instruction and send out
Deliver to payment unit；
Payment unit, the commodity total price in payment information electronically sends the fund command of money transfer for determining the amount of money to clothes
Business device；
The checking device includes information transmitting unit and secret key storage element；
Information transmitting unit is used to extract the secret key in secret key storage element, and sends to information receiving unit；
Secret key storage element, stores and matches secret key with the secret key of Information Authentication unit inside in advance storage.
Checking device is based on pke system developments.
Fig. 1 is referred to, the present invention provides a kind of technical scheme：A kind of payment system based on payment instruction, including payment
People, for sending with papery, magnetizing mediums or electronic form, according to the requirement of payee, determines the fund command of money transfer of the amount of money；
Server, for receiving fund command of money transfer, transmits fund command of money transfer, and to payee and requestee's transmission knot is paid
Really；
Payee, to requestee gathering instruction is sent, and receives what requestee electronically sent, and the fund for determining the amount of money turns
Account.
As one embodiment of the present of invention：The payment information of commodity is obtained by near field or scene, and then according to local
Payer payment information generate payment instruction, subsequently complete based on the payment process of the payment instruction, should during nothing
The bank card such as storage card or the credit card need to be used, without the action such as Card Reader and user input is performed, that is, payment process is completed,
Payment process is simplified, error rate is reduced, and then improves payment efficiency, while employing testing based on pke system developments
Card device, has ensured the safety that user pays.
The ultimate principle and principal character and advantages of the present invention of the present invention are had been shown and described above, for this area skill
For art personnel, it is clear that the invention is not restricted to the details of above-mentioned one exemplary embodiment, and in the spirit without departing substantially from the present invention or
In the case of basic feature, the present invention can be in other specific forms realized.Therefore, no matter from the point of view of which point, all should be by
Embodiment regards exemplary as, and be it is nonrestrictive, the scope of the present invention by claims rather than on state
Bright restriction, it is intended that all changes in the implication and scope of the equivalency of claim that will fall are included in the present invention
It is interior.
Moreover, it will be appreciated that although this specification is been described by according to embodiment, not each embodiment is only wrapped
Containing an independent technical scheme, this narrating mode of description is only that for clarity those skilled in the art should
Using description as an entirety, the technical scheme in each embodiment can also Jing it is appropriately combined, form those skilled in the art
Understandable other embodiment.
Claims (8)
1. a kind of method of payment based on payment instruction, it is characterised in that：Including：
Payee to requestee sends gathering instruction；
Server receives gathering instruction, and transmission gathering instruction is to requestee；
Requestee receives gathering instruction by payment mechanism, by verifying that device verifies own identification, with electronics after checking identity
Form sends the fund command of money transfer for determining the amount of money；
Server receives fund command of money transfer, and fund is gone to into payee, and to payee and requestee's transmission payment result.
2. a kind of method of payment based on payment instruction according to claim 1, it is characterised in that：The payee to pay
Money people sends the concrete step of gathering instruction：
Payee to server sends the payment instruction with payment information, and the payment information is believed including payee's shroff account number
Breath, trade name, cargo price, commodity number and commodity total price.
3. a kind of method of payment based on payment instruction according to claim 1, it is characterised in that：The server is received
Gathering instruction, transmission gathering instruction concretely comprising the following steps to requestee：
Server receives the payment instruction with payment information, by being connected with Ethernet, judges whether payment information is correct, and
According to judged result, to requestee's transmission gathering instruction；
Even payment information is correct, then server is to requestee's transmission gathering instruction；
If payment information mistake, server rejects this gathering instruction, and payment information mistake refers to commodity total price and cargo price
And the product of commodity number, or payee's shroff account number information is not present.
4. a kind of method of payment based on payment instruction according to claim 1, it is characterised in that：The requestee passes through
Payment mechanism receives gathering instruction, by verifying that device verifies own identification, determination gold is electronically sent after checking identity
The fund command of money transfer of volume is concretely comprised the following steps：
The requestee receives payment instruction by payment mechanism, and the payment mechanism includes information receiving unit, Information Authentication
Unit, instruction reception unit, instruction generation unit and payment unit, the payment mechanism is received by instruction reception unit and paid
Money is instructed, and by verifying that device verifies own identification, the checking device includes information transmitting unit and secret key storage element,
Described information transmitting element extracts secret key by secret key storage element, and secret key is sent to information receiving unit, and information is received
Unit receives this key information, transmits to Information Authentication unit, and Information Authentication unit is by the secret key that stores in advance with itself
Matched, sent information to instruction generation unit after pairing is correct, instruction generation unit according to the payment information for obtaining with
And unpaired message, carry out integration encryption, that is, obtain payment instruction and send to payment unit, payment unit is according in payment information
Commodity total price electronically sends the fund command of money transfer for determining the amount of money to server.
5. a kind of method of payment based on payment instruction according to claim 1, it is characterised in that：The server is received
Fund command of money transfer, by fund payee is gone to, and transmits concretely comprising the following steps for payment result to payee and requestee：
Server receives fund command of money transfer, according to fund command of money transfer and the payment instruction with payment information, to gathering
People's shroff account number proceeds to corresponding money；
Meanwhile, server is to payee and requestee's transmission payment result.
6. a kind of payment terminal based on payment instruction, it is characterised in that：Including payment mechanism and checking device；
Payment mechanism includes information receiving unit, for receiving key information, and key information is transmitted to Information Authentication unit；
Information Authentication unit, for secret key to be matched with the secret key of itself storage in advance, sends information after pairing is correct
To instruction generation unit；
Instruction reception unit, for receiving payment instruction；
Instruction generation unit, according to the payment information and unpaired message that obtain, carries out integration encryption, that is, obtain payment instruction and send out
Deliver to payment unit；
Payment unit, the commodity total price in payment information electronically sends the fund command of money transfer for determining the amount of money to clothes
Business device；
The checking device includes information transmitting unit and secret key storage element；
Information transmitting unit is used to extract the secret key in secret key storage element, and sends to information receiving unit；
Secret key storage element, stores and matches secret key with the secret key of Information Authentication unit inside in advance storage.
7. a kind of payment terminal based on payment instruction according to claim 6, it is characterised in that：The checking device base
In pke system developments.
8. a kind of payment system based on payment instruction, it is characterised in that：Including requestee, for papery, magnetizing mediums or electricity
Sub- form sends, and according to the requirement of payee, determines the fund command of money transfer of the amount of money；
Server, for receiving fund command of money transfer, transmits fund command of money transfer, and to payee and requestee's transmission knot is paid
Really；
Payee, to requestee gathering instruction is sent, and receives what requestee electronically sent, and the fund for determining the amount of money turns
Account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610901453.0A CN106651362A (en) | 2016-10-16 | 2016-10-16 | Payment method based on payment instruction, payment terminal and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610901453.0A CN106651362A (en) | 2016-10-16 | 2016-10-16 | Payment method based on payment instruction, payment terminal and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106651362A true CN106651362A (en) | 2017-05-10 |
Family
ID=58856054
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610901453.0A Pending CN106651362A (en) | 2016-10-16 | 2016-10-16 | Payment method based on payment instruction, payment terminal and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106651362A (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102722816A (en) * | 2012-05-24 | 2012-10-10 | 张盛毅 | Mobile payment method, system and device |
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
| CN105868981A (en) * | 2016-04-11 | 2016-08-17 | 万集融合信息技术（北京）有限公司 | Mobile payment method and system |
-
2016
- 2016-10-16 CN CN201610901453.0A patent/CN106651362A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102722816A (en) * | 2012-05-24 | 2012-10-10 | 张盛毅 | Mobile payment method, system and device |
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
| CN105868981A (en) * | 2016-04-11 | 2016-08-17 | 万集融合信息技术（北京）有限公司 | Mobile payment method and system |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170510 |
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