CN106971301B - Payment system and payment method using mobile terminal for payment - Google Patents
Payment system and payment method using mobile terminal for payment Download PDFInfo
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- CN106971301B CN106971301B CN201710260952.0A CN201710260952A CN106971301B CN 106971301 B CN106971301 B CN 106971301B CN 201710260952 A CN201710260952 A CN 201710260952A CN 106971301 B CN106971301 B CN 106971301B
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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
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Abstract
The invention provides a payment system and a payment method using a mobile terminal for payment, wherein a distance sensing module is started after a signal is received by an optical sensing module of the mobile terminal and judged by a payment program module, a wireless network communication module is started after the signal is detected by the distance sensing module and judged by the payment program module, the unique identification code information of the mobile terminal is sent to an intelligent payment terminal through the wireless network communication module, the intelligent payment terminal sends the information to a server after receiving the information and finishes a fee deduction confirmation process through the server, and the fee deduction confirmation information returns to the wireless network communication module through the intelligent payment terminal and is displayed when the information is transmitted to the payment program module. The whole payment process is buckled, direct interaction does not exist between the mobile terminal and the server, the leakage of the unique identification code information of the mobile terminal is avoided, and the safety of the payment process is guaranteed.
Description
Technical Field
The invention relates to the field of mobile internet, in particular to a payment system and a payment method for payment by using a mobile terminal.
Background
The traditional payment system and payment method using the mobile terminal for payment require that the mobile terminal has an NFC function, and the intelligent payment terminal needs to be upgraded on hardware, and if a corresponding card reader is installed, the payment system and the payment method are inconvenient for both merchants and users to use.
Disclosure of Invention
The invention aims to solve the problems in the prior art and provides a payment system and a payment method for payment by using a mobile terminal, which are high in payment efficiency, high in safety and free of user interference and similar to NFC near-field payment.
In order to achieve the purpose, the invention adopts the following technical scheme:
a payment system for payment using a mobile terminal, comprising: the system comprises a mobile terminal, an intelligent payment terminal, a server and a wireless internet for transmitting information between the intelligent payment terminal and the server;
the server is used for receiving and approving the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile terminal and the payment amount information which are sent by the intelligent payment terminal through the wireless internet, authenticating the identity of a payer through the unique identification code information of the mobile terminal, authenticating the identity of a payee through the unique identification information of the intelligent payment terminal, and generating payee confirmation information, payer confirmation information and payment amount confirmation information after approval and sending the payee confirmation information, the payment amount confirmation information and the payment amount confirmation information to the intelligent payment terminal through the wireless internet;
the mobile terminal comprises a light sensing module, a payment program module, a wireless network communication module and a distance sensing module;
the optical sensing module is used for measuring the intensity of an optical signal after receiving an optical sensing module starting instruction of the payment program module and sending the detected light intensity numerical value information to the payment program module;
the payment program module is used for sending a starting instruction of the optical sensing module to the optical sensing module, receiving light intensity numerical value information sent by the optical sensing module, calculating a specific wavelength light intensity numerical value in an artificially set wavelength range from the received light intensity numerical value information, comparing the specific wavelength light intensity numerical value with an artificially set first numerical value, sending a distance sensing module starting instruction to the distance sensing module when the specific wavelength light intensity numerical value is larger than or equal to the artificially set first numerical value as a comparison result, receiving distance numerical value information sent by the distance sensing module, comparing the distance numerical value information with an artificially set second numerical value, and sending a pairing and connecting instruction of the wireless network communication module to the wireless network communication module when the distance numerical value information is smaller than or equal to the artificially set second numerical value as the comparison result, the mobile terminal unique identification code information is also used for calling the mobile terminal unique identification code information, sending the mobile terminal unique identification code information to the wireless network communication module after the wireless network communication module and the intelligent payment terminal establish a pairing and connection relationship, and receiving and displaying payee confirmation information, payer confirmation information and payment amount confirmation information sent by the wireless network communication module;
the wireless network communication module is used for receiving the pairing and connection instruction of the payment program module, pairing and wireless communication connection with the intelligent payment terminal, receiving the unique identification code information of the mobile terminal sent by the payment program module and sending the unique identification code information to the intelligent payment terminal, and receiving payee confirmation information, payer confirmation information and payment amount confirmation information sent by the intelligent payment terminal and sending the payment program module;
the distance sensing module is used for measuring the distance between the mobile terminal and an opposite object after receiving a distance sensing module starting instruction sent by the payment program module and sending the detected distance value information to the payment program module;
the intelligent payment terminal comprises a light emitting program module, a charging program module and a communication program module;
the light emitting program module is used for emitting light with light intensity larger than or equal to a first value set manually in a specific wavelength range set manually;
the charging program module is used for receiving the unique identification code information of the mobile terminal sent by the communication program module, sending the unique identification code information of the intelligent payment terminal and the payment amount receiving information to the server through the wireless internet, receiving the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information sent by the server and sending the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information to the communication program module;
the communication program module is used for establishing wireless communication connection with the wireless network communication module of the mobile terminal, receiving the unique identification code information of the mobile terminal sent by the wireless network communication module and sending the unique identification code information to the charging program module, and receiving the payee confirmation information, the payer confirmation information and the payment amount confirmation information sent by the charging program module and sending the payment amount confirmation information to the wireless network communication module of the mobile terminal.
Further, the mobile terminal further comprises an input interface and an output interface, and when the wireless network communication module is not successfully paired with the intelligent payment terminal, the user returns the input interface and the output interface to manually pair with the intelligent payment terminal.
Further, the payment program module of the mobile terminal pays the APP for the mobile terminal.
Furthermore, the wireless network communication module of the mobile terminal and the communication program module of the intelligent payment terminal are Bluetooth, ZigBee or WLAN.
The invention also provides a payment method of the payment system, which comprises the following steps: the light emission program module of the intelligent payment terminal always emits light with light intensity larger than or equal to a first value set manually in a specific wavelength range set manually, and the intelligent payment terminal further comprises the following steps:
step 1: a user opens a payment program module of the mobile terminal in advance;
step 2: the payment program module sends a starting instruction of the optical sensing module to the optical sensing module;
and step 3: the payment program module calls the unique identification code of the mobile terminal; step 3 may be run at any step prior to step 9;
and 4, step 4: the optical sensing module is started to detect the intensity of light and send the detected light intensity numerical value information to the payment program module;
and 5: the user enables the optical sensing module to face the intelligent payment terminal;
step 6: a payment program module of the mobile terminal receives light intensity numerical value information sent by a light sensing module, calculates a specific wavelength light intensity numerical value in an artificially set wavelength range, judges whether the specific wavelength light intensity numerical value is larger than or equal to an artificially set first numerical value or not, and sends a distance sensing module starting instruction to the distance sensing module when the judgment result is true;
and 7: the distance sensing module is started, detects the distance between the mobile terminal and an opposite object and sends the detected distance numerical information to the payment program module;
and 8: a payment program module of the mobile terminal receives distance value information sent by the distance sensing module, judges whether the distance value information is smaller than or equal to a second value set manually, and sends a wireless network communication module pairing and connecting instruction to the wireless network communication module when the judgment result is true;
and step 9: the wireless network communication module is started, is matched with the communication program module of the intelligent payment terminal and establishes wireless communication connection;
step 10: the payment program module sends the called unique identification code information of the mobile terminal to the wireless network communication module;
step 11: the wireless network communication module receives the unique identification code information of the mobile terminal and sends the unique identification code information to the communication program module of the intelligent payment terminal;
step 12: a communication program module of the intelligent payment terminal receives the unique identification code information of the mobile terminal and sends the unique identification code information to a charging program module;
step 13: the charging program module receives the unique identification code information of the mobile terminal and sends the unique identification information of the intelligent payment terminal and the information of the amount of the received and paid money to the server through the wireless internet;
step 14: the server receives the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile terminal and the payment amount receiving information sent by the communication program module, authenticates the identity of a payee through the unique identification information of the intelligent payment terminal, authenticates the identity of a payer through the unique identification code information of the mobile terminal, promotes the amount of the payee through the payment amount receiving information after approval, reduces the amount of the payer, generates payee confirmation information, payer confirmation information and payment amount receiving confirmation information, and sends the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information to the charging program module of the intelligent payment terminal through a wireless internet;
step 15: the charging program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the communication program module;
step 16: the communication program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the wireless network communication module of the mobile terminal;
and step 17: the wireless network communication module sends the information to a payment program module;
step 18: and the payment program module displays the information on the interface of the mobile terminal.
Further, step 9 is followed by step 9.1: and when the first pairing is carried out, the system interface returned to the mobile terminal is paired with the communication program module of the intelligent payment terminal.
Compared with the prior art, the technical scheme of the invention has the following beneficial effects:
the invention provides a new payment system and a payment method using a mobile terminal, which receives signals through an optical sensing module of the mobile terminal, starts a distance sensing module after being judged by a payment program module, starts a wireless network communication module after being detected by the distance sensing module and judged by the payment program module, sends unique identification code information of the mobile terminal to an intelligent payment terminal through the wireless network communication module, the intelligent payment terminal receives the unique identification code information and sends the unique identification code information to a server, the server finishes a fee deduction process, fee deduction confirmation information is returned to the wireless network communication module through the intelligent payment terminal and is displayed when being transmitted to the payment program module, the whole payment process is circularly buckled, the mobile terminal and the server have no direct interaction, the mobile terminal only realizes data interaction with the intelligent payment terminal, and the unique identification code information of the mobile terminal is prevented from being leaked, the safety of the payment process is guaranteed, and the mobile terminal does not need to have an NFC function, and the user does not need to carry an IC card, so that the payment method and the payment device are more convenient and fast. According to the invention, the payment program module is only required to be opened in advance, the user only needs to return to a system interface to realize the pairing of the wireless network communication module of the mobile terminal and the intelligent payment terminal during the first payment, and then the payment can be completed only by approaching the mobile terminal to the intelligent payment terminal without user interference during the whole payment process, so that the payment efficiency is high, the safety is high, and the automatic payment experience is provided.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic composition diagram of an embodiment of the present invention;
FIG. 2 is a flow chart of an embodiment of the present invention.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention clearer and clearer, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, which is a schematic composition diagram of a payment system according to an embodiment of the present invention, in this embodiment, a payment system using mobile phone payment includes: the system comprises a mobile phone, an intelligent payment terminal, a server and a wireless internet for transmitting information between the intelligent payment terminal and the server;
the server is used for receiving and approving the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile phone and the information of the payment amount sent by the intelligent payment terminal through the wireless internet, authenticating the identity of a payer through the unique identification code information of the mobile phone, authenticating the identity of a payee through the unique identification information of the intelligent payment terminal, and generating payee confirmation information, payer confirmation information and payment amount confirmation information after approval and sending the payee confirmation information, the payment amount confirmation information and the payment amount confirmation information to the intelligent payment terminal through the wireless internet;
the mobile phone comprises an optical sensing module, a payment APP, a wireless network communication module and a distance sensing module;
the optical sensing module is used for measuring the optical signal intensity after receiving an optical sensing module starting instruction of the payment APP and sending the detected light intensity numerical value information to the payment APP;
the payment APP is used for sending a starting instruction of the optical sensing module to the optical sensing module, receiving light intensity numerical value information sent by the optical sensing module, calculating specific wavelength light intensity numerical values in a manually set wavelength range from the received light intensity numerical value information, comparing the specific wavelength light intensity numerical values with manually set first numerical values, sending a starting instruction of the distance sensing module to the distance sensing module when the comparison result shows that the specific wavelength light intensity numerical values are larger than or equal to the manually set first numerical values, receiving distance numerical value information sent by the distance sensing module, comparing the distance numerical value information with manually set second numerical values, and sending a pairing and connecting instruction of the wireless network communication module to the wireless network communication module when the comparison result shows that the distance numerical value information is smaller than or equal to the manually set second numerical values, the mobile phone unique identification code information is also used for calling the mobile phone unique identification code information, sending the mobile phone unique identification code information to the wireless network communication module after the wireless network communication module and the intelligent payment terminal establish a pairing and connection relation, and receiving and displaying payee confirmation information, payer confirmation information and payment amount confirmation information sent by the wireless network communication module;
the wireless network communication module is used for receiving pairing and connection instructions of the payment APP, is in pairing and wireless communication connection with the intelligent payment terminal, is also used for receiving mobile phone unique identification code information sent by the payment APP and sending the mobile phone unique identification code information to the intelligent payment terminal, and is also used for receiving payee confirmation information, payer confirmation information and payment amount confirmation information sent by the intelligent payment terminal and sending the payment APP;
the distance sensing module is used for measuring the distance between the mobile phone and the opposite object after receiving a distance sensing module starting instruction sent by the payment APP and sending the detected distance value information to the payment APP;
the intelligent payment terminal comprises a light emitting program module, a charging program module and a communication program module;
the light emitting program module is used for emitting light with light intensity larger than or equal to a first value set manually in a specific wavelength range set manually;
the charging program module is used for receiving the mobile phone unique identification code information sent by the communication program module, sending the mobile phone unique identification code information, the intelligent payment terminal unique identification information and the payment amount receiving information to the server through the wireless internet, receiving payee confirmation information, payer confirmation information and payment amount receiving confirmation information sent by the server and sending the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information to the communication program module;
the communication program module is used for establishing wireless communication connection with the wireless network communication module of the mobile phone, receiving the unique identification code information of the mobile phone sent by the wireless network communication module and sending the unique identification code information to the charging program module, and receiving the payee confirmation information, the payer confirmation information and the payment amount confirmation information sent by the charging program module and sending the payment amount confirmation information to the wireless network communication module of the mobile phone.
Specifically, the mobile phone further comprises an input interface and an output interface, and when the wireless network communication module is not successfully paired with the intelligent payment terminal, the user returns the input interface and the output interface to manually pair with the intelligent payment terminal.
Specifically, the wireless network communication module of the mobile phone and the communication program module of the intelligent payment terminal are both bluetooth, ZigBee or WLAN.
In the payment system, the mobile phone does not need to be connected with the server through a wireless internet, the intelligent payment terminal is a medium between the mobile phone and the server, the mobile phone only needs to send the unique identification code information of the mobile phone to the intelligent payment terminal through Bluetooth, ZigBee or WLAN, the intelligent payment terminal is connected with the server through the wireless internet to confirm payment operation, receives payment confirmation information sent by the server and then returns the payment confirmation information to the mobile phone, and the whole payment process is completed.
Fig. 2 is a payment process of the present invention, in the payment method of the present invention, a light emitting program module of an intelligent payment terminal (specifically, a POS machine with a flash payment function) always emits light with a light intensity greater than or equal to a first value set by a person in a specific wavelength range, a user holds a mobile phone to detect light intensity information, and determines to start a distance sensing module by a payment APP in the mobile phone, and further determines to start a wireless network communication module, to complete transmission of unique identification code information of the mobile phone, and the intelligent payment terminal receives and sends the information to a server to complete payment confirmation and return to the intelligent payment terminal, and finally returns to the mobile phone payment APP and displays the information. The specific implementation comprises the following steps:
step 1: a user downloads and installs a payment APP into the mobile phone from a third-party payment mechanism to finish operations such as registration authorization and the like; a user opens a payment APP of a mobile phone in advance;
step 2: the payment APP sends an optical sensing module starting instruction to the optical sensing module;
and step 3: calling the unique identification code of the mobile phone by the payment APP; step 3 may be run at any step prior to step 9; specifically, the unique identification code of the mobile phone may be at least one of IMSI, IMEI, MEID, MAC address of bluetooth, MAC address of WIFI, or bank card number;
and 4, step 4: the optical sensing module is started, detects the intensity of light and sends the detected light intensity numerical value information to the payment APP;
and 5: the user enables the optical sensing module to face the intelligent payment terminal;
step 6: a payment APP of the mobile phone receives light intensity numerical value information sent by a light sensing module and calculates to obtain a specific wavelength light intensity numerical value in an artificially set wavelength range, judges whether the specific wavelength light intensity numerical value is larger than or equal to an artificially set first numerical value or not, and sends a distance sensing module starting instruction to the distance sensing module when the judgment result is true;
and 7: the distance sensing module is started, detects the distance between the mobile phone and the opposite object and sends the detected distance numerical information to the payment APP;
and 8: the payment APP of the mobile phone receives the distance value information sent by the distance sensing module and judges whether the distance value information is smaller than or equal to a second value set manually, and when the judgment result is true, a wireless network communication module pairing and connecting instruction is sent to the wireless network communication module;
and step 9: the wireless network communication module is started, is matched with the communication program module of the intelligent payment terminal and establishes wireless communication connection;
step 10: the payment APP sends the called mobile phone unique identification code information to the wireless network communication module;
step 11: the wireless network communication module receives the unique identification code information of the mobile phone and sends the unique identification code information to the communication program module of the intelligent payment terminal; specifically, the wireless network communication module is connected with the communication module of the intelligent payment terminal through a Bluetooth connection, a ZigBee connection or a WLAN connection.
Step 12: a communication program module of the intelligent payment terminal receives the unique identification code information of the mobile phone and sends the unique identification code information to a charging program module;
step 13: the charging program module receives the unique identification code information of the mobile phone and sends the unique identification information of the intelligent payment terminal and the information of the payment amount to the server through the wireless internet;
step 14: the server receives the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile phone and the information of the payment amount received and sent by the communication program module, authenticates the identity of the payee through the unique identification information of the intelligent payment terminal, authenticates the identity of the payer through the unique identification code information of the mobile phone, promotes the amount of the payee through the information of the payment amount received and reduces the amount of the payer after approval, generates the confirmation information of the payee, the confirmation information of the payer and the confirmation information of the payment amount received and sent to the charging program module of the intelligent payment terminal through a wireless internet;
step 15: the charging program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the communication program module;
step 16: the communication program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the wireless network communication module of the mobile phone;
and step 17: the wireless network communication module sends the information to a payment APP;
step 18: and the payment APP displays the information on the mobile phone interface.
Further, step 9 is followed by step 9.1: and when the pairing is carried out for the first time, the system interface returned to the mobile phone is paired with the communication program module of the intelligent payment terminal.
The invention provides a new payment system and a payment method using a mobile terminal, which receives signals through an optical sensing module of the mobile terminal, starts a distance sensing module after being judged by a payment program module, starts a wireless network communication module after being detected by the distance sensing module and judged by the payment program module, sends unique identification code information of the mobile terminal to an intelligent payment terminal through the wireless network communication module, the intelligent payment terminal receives the unique identification code information and sends the unique identification code information to a server, the server finishes a fee deduction process, fee deduction confirmation information is returned to the wireless network communication module through the intelligent payment terminal and is displayed when being transmitted to the payment program module, the whole payment process is circularly buckled, the mobile terminal and the server have no direct interaction, the mobile terminal only realizes data interaction with the intelligent payment terminal, and the unique identification code information of the mobile terminal is prevented from being leaked, the safety of the payment process is guaranteed, and the mobile terminal does not need to have an NFC function, and the user does not need to carry an IC card, so that the payment method and the payment device are more convenient and fast. According to the invention, the payment program module is only required to be opened in advance, the user only needs to return to a system interface to realize the pairing of the wireless network communication module of the mobile terminal and the intelligent payment terminal during the first payment, and then the payment can be completed only by approaching the mobile terminal to the intelligent payment terminal without user interference during the whole payment process, so that the payment efficiency is high, the safety is high, and the automatic payment experience is provided.
The above description describes preferred embodiments of the invention, but it should be understood that the invention is not limited to the above embodiments, and should not be viewed as excluding other embodiments. Modifications made by those skilled in the art in light of the teachings of this disclosure, which are well known or are within the skill and knowledge of the art, are also to be considered as within the scope of this invention.
Claims (6)
1. A payment system for payment using a mobile terminal, comprising: the system comprises a mobile terminal, an intelligent payment terminal, a server and a wireless internet for transmitting information between the intelligent payment terminal and the server;
the server is used for receiving and approving the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile terminal and the payment amount information which are sent by the intelligent payment terminal through the wireless internet, authenticating the identity of a payer through the unique identification code information of the mobile terminal, authenticating the identity of a payee through the unique identification information of the intelligent payment terminal, and generating payee confirmation information, payer confirmation information and payment amount confirmation information after approval and sending the payee confirmation information, the payment amount confirmation information and the payment amount confirmation information to the intelligent payment terminal through the wireless internet;
the mobile terminal comprises a light sensing module, a payment program module, a wireless network communication module and a distance sensing module;
the optical sensing module is used for measuring the intensity of an optical signal after receiving an optical sensing module starting instruction of the payment program module and sending the detected light intensity numerical value information to the payment program module;
the payment program module is used for sending a starting instruction of the optical sensing module to the optical sensing module, receiving light intensity numerical value information sent by the optical sensing module, calculating a specific wavelength light intensity numerical value in an artificially set wavelength range from the received light intensity numerical value information, comparing the specific wavelength light intensity numerical value with an artificially set first numerical value, sending a distance sensing module starting instruction to the distance sensing module when the specific wavelength light intensity numerical value is larger than or equal to the artificially set first numerical value as a comparison result, receiving distance numerical value information sent by the distance sensing module, comparing the distance numerical value information with an artificially set second numerical value, and sending a pairing and connecting instruction of the wireless network communication module to the wireless network communication module when the distance numerical value information is smaller than or equal to the artificially set second numerical value as the comparison result, the mobile terminal unique identification code information is also used for calling the mobile terminal unique identification code information, sending the mobile terminal unique identification code information to the wireless network communication module after the wireless network communication module and the intelligent payment terminal establish a pairing and connection relationship, and receiving and displaying payee confirmation information, payer confirmation information and payment amount confirmation information sent by the wireless network communication module;
the wireless network communication module is used for receiving the pairing and connection instruction of the payment program module, pairing and wireless communication connection with the intelligent payment terminal, receiving the unique identification code information of the mobile terminal sent by the payment program module and sending the unique identification code information to the intelligent payment terminal, and receiving payee confirmation information, payer confirmation information and payment amount confirmation information sent by the intelligent payment terminal and sending the payment program module;
the distance sensing module is used for measuring the distance between the mobile terminal and an opposite object after receiving a distance sensing module starting instruction sent by the payment program module and sending the detected distance value information to the payment program module;
the intelligent payment terminal comprises a light emitting program module, a charging program module and a communication program module;
the light emitting program module is used for emitting light with light intensity larger than or equal to a first value set manually in a specific wavelength range set manually;
the charging program module is used for receiving the unique identification code information of the mobile terminal sent by the communication program module, sending the unique identification code information of the intelligent payment terminal and the payment amount receiving information to the server through the wireless internet, receiving the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information sent by the server and sending the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information to the communication program module;
the communication program module is used for establishing wireless communication connection with the wireless network communication module of the mobile terminal, receiving the unique identification code information of the mobile terminal sent by the wireless network communication module and sending the unique identification code information to the charging program module, and receiving the payee confirmation information, the payer confirmation information and the payment amount confirmation information sent by the charging program module and sending the payment amount confirmation information to the wireless network communication module of the mobile terminal.
2. A payment system for payment by means of a mobile terminal as claimed in claim 1, wherein: the mobile terminal further comprises an input interface and an output interface, and when the wireless network communication module is not successfully matched with the intelligent payment terminal, the user returns the input interface and the output interface to be manually matched with the intelligent payment terminal.
3. A payment system for payment by means of a mobile terminal as claimed in claim 1, wherein: and the payment program module of the mobile terminal is used for paying the APP for the mobile terminal.
4. A payment system for payment by means of a mobile terminal as claimed in claim 1, wherein: the wireless network communication module of the mobile terminal and the communication program module of the intelligent payment terminal are Bluetooth, ZigBee or WLAN.
5. A payment method of a payment system for payment by means of a mobile terminal according to any one of claims 1 to 4, comprising: the light emission program module of the intelligent payment terminal always emits light with light intensity larger than or equal to a first value set manually in a specific wavelength range set manually, and the intelligent payment terminal further comprises the following steps:
step 1: a user opens a payment program module of the mobile terminal in advance;
step 2: the payment program module sends a starting instruction of the optical sensing module to the optical sensing module;
and step 3: the payment program module calls the unique identification code of the mobile terminal; step 3 may be run at any step prior to step 9;
and 4, step 4: the optical sensing module is started to detect the intensity of light and send the detected light intensity numerical value information to the payment program module;
and 5: the user enables the optical sensing module to face the intelligent payment terminal;
step 6: a payment program module of the mobile terminal receives light intensity numerical value information sent by a light sensing module, calculates a specific wavelength light intensity numerical value in an artificially set wavelength range, judges whether the specific wavelength light intensity numerical value is larger than or equal to an artificially set first numerical value or not, and sends a distance sensing module starting instruction to the distance sensing module when the judgment result is true;
and 7: the distance sensing module is started, detects the distance between the mobile terminal and an opposite object and sends the detected distance numerical information to the payment program module;
and 8: a payment program module of the mobile terminal receives distance value information sent by the distance sensing module, judges whether the distance value information is smaller than or equal to a second value set manually, and sends a wireless network communication module pairing and connecting instruction to the wireless network communication module when the judgment result is true;
and step 9: the wireless network communication module is started, is matched with the communication program module of the intelligent payment terminal and establishes wireless communication connection;
step 10: the payment program module sends the called unique identification code information of the mobile terminal to the wireless network communication module;
step 11: the wireless network communication module receives the unique identification code information of the mobile terminal and sends the unique identification code information to the communication program module of the intelligent payment terminal;
step 12: a communication program module of the intelligent payment terminal receives the unique identification code information of the mobile terminal and sends the unique identification code information to a charging program module;
step 13: the charging program module receives the unique identification code information of the mobile terminal and sends the unique identification information of the intelligent payment terminal and the information of the amount of the received and paid money to the server through the wireless internet;
step 14: the server receives the unique identification information of the intelligent payment terminal, the unique identification code information of the mobile terminal and the payment amount receiving information sent by the communication program module, authenticates the identity of a payee through the unique identification information of the intelligent payment terminal, authenticates the identity of a payer through the unique identification code information of the mobile terminal, promotes the amount of the payee through the payment amount receiving information after approval, reduces the amount of the payer, generates payee confirmation information, payer confirmation information and payment amount receiving confirmation information, and sends the payee confirmation information, the payer confirmation information and the payment amount receiving confirmation information to the charging program module of the intelligent payment terminal through a wireless internet;
step 15: the charging program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the communication program module;
step 16: the communication program module receives the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information and sends the information to the wireless network communication module of the mobile terminal;
and step 17: the wireless network communication module sends the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information to the payment program module;
step 18: and the payment program module displays the payee confirmation information, the payer confirmation information and the received and paid amount confirmation information on the mobile terminal interface.
6. A payment method as defined in claim 5, wherein: step 9 is followed by step 9.1: and when the first pairing is carried out, the system interface returned to the mobile terminal is paired with the communication program module of the intelligent payment terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710260952.0A CN106971301B (en) | 2017-04-20 | 2017-04-20 | Payment system and payment method using mobile terminal for payment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105117905A (en) * | 2015-07-21 | 2015-12-02 | 北京邮电大学 | Wireless Key payment system based on visible light communications and payment method |
| CN106296176A (en) * | 2016-08-17 | 2017-01-04 | 成都仁通融合信息技术有限公司 | A kind of system and method obtaining each site information of subway line |
| CN106355394A (en) * | 2016-08-22 | 2017-01-25 | 广西咪付网络技术有限公司 | Payment control method based on mobile intelligent terminal sensor |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105117905A (en) * | 2015-07-21 | 2015-12-02 | 北京邮电大学 | Wireless Key payment system based on visible light communications and payment method |
| CN106296176A (en) * | 2016-08-17 | 2017-01-04 | 成都仁通融合信息技术有限公司 | A kind of system and method obtaining each site information of subway line |
| CN106355394A (en) * | 2016-08-22 | 2017-01-25 | 广西咪付网络技术有限公司 | Payment control method based on mobile intelligent terminal sensor |
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