CN108764895A - A kind of Enhancement Method of mobile payment - Google Patents
A kind of Enhancement Method of mobile payment Download PDFInfo
- Publication number
- CN108764895A CN108764895A CN201810249580.6A CN201810249580A CN108764895A CN 108764895 A CN108764895 A CN 108764895A CN 201810249580 A CN201810249580 A CN 201810249580A CN 108764895 A CN108764895 A CN 108764895A
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- payment
- card
- mobile phone
- software
- touch screen
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
- G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
- G06Q20/3563—Software being resident on card
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- 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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Hardware Design (AREA)
- Telephonic Communication Services (AREA)
- Telephone Function (AREA)
Abstract
The invention discloses a kind of Enhancement Methods of mobile payment, are realized by touch screen intelligent cards and its software kit, it is characterised in that are positioned as touch screen intelligent cards to complete personal customization by mobile phone the peripheral hardware of payment function is implemented separately.The touch screen intelligent cards, it is characterised in that detached with the mobile phone as safe critical point, obtain payment needed for least privilege, integration and simplify delivery operation, realize it is non-contact docking initiate payment request various terminals, can be used as specific payment software peripheral hardware or as integrate all payment functions of interior of mobile phone peripheral hardware, have service specific demand crowd function.
Description
Technical field
The present invention relates to the payment technology of the communications field more particularly to a kind of Enhancement Methods of mobile payment.
Background technology
Existing mobile payment is mainly realized by following below scheme：
1, installation can receive payment request to user in mobile device (being typically mobile phone) and the software for completing to pay (is called in the following text
Payment software), such as Alipay, wechat, Unionpay's payment, Applepay；
2, user registers account number to payment software, and account verification is completed using mobile phone, mailbox etc.；
3, user adds debit card or credit card to payment software and completes to bind, or to account charging；
4, user is scanned the two-dimensional code or is provided end of the Quick Response Code for initiation payment request using the payment software on mobile phone
It holds (for example, scanner of super market checkout sales counter) scanning or utilizes non-contact radio-frequency technology, set in advance to payment software input
The payment cipher set or exempts from close condition according to pre-set and complete payment.
Above-mentioned mobile payment flow has the disadvantages that：
1, user is during account verification, it usually needs binding mobile phone.Phone number is applied not only to registration account number, also uses
In the great operation such as Modify password.Therefore, the mobile phone of user is the safe critical point of one of fast reaction.When user loses mobile phone
When, not only loss and all relevant information of mobile payment, also lose the tool reported the loss at the first time simultaneously, also lose simultaneously fast
Speed verification account is all tools of user.Then, being paid using mobile phone as mobile device no doubt has convenience, but
It also increases the risk of lost mobile phone and increases the risk in terms of fund security in turn.
2, user must be familiar with and adapt to the different interfaces of a variety of payment softwares, in face of the initiation payment of various different complexions
The terminal (for example, transportation card top-up machines, shared bicycle, trade company's scanner, automatic vending machine, automatic machine for ordering dishes etc.) of request,
This enables a part of crowd be refused mobile payment outdoors because that can not grasp delivery operation.
Invention content
The present invention provides a kind of Enhancement Method of mobile payment, is paid using neutralizing using mobile phone as mobile device
Convenience and mobile phone easily lose the contradiction between the risk brought, at the same integrate means of payment, guidance operation, simplify operation, with
It services and difficult crowd is felt to mobile payment.A kind of enhancing side of mobile payment is provided to achieve the purpose of the present invention
Method includes the basic imagination of the touch screen intelligent cards and its software kit as mobile phone peripheral hardware.
The touch screen intelligent cards include graphics interface unit, the operation current for stating card.The graphical interfaces
Unit may include aiming at such as big font that vision disorder personage designs to show and high contrast display function.Figure circle
Face unit can also include instructing user by the figure flow of card and handset binding；
The touch screen intelligent cards may include the biometric verification units such as fingerprint, vocal print, for biologies such as fingerprint, vocal prints
Information Authentication delivery operation；
The touch screen intelligent cards further include voice recognition unit.The voice recognition unit be used for voice to card into
Row basic operation and recording vocal print；
The touch screen intelligent cards can also include voice broadcast unit.The voice broadcast unit can be used for service and regard
The delivery operation of power impedient people can be used for mobile phone operation voice broadcast to recover the card of loss；
The touch screen intelligent cards further include encrypted communication unit, for various with mobile phone, with initiation payment request
Communication between terminal；
The touch screen intelligent cards further include payment unit, for completing payment.The payment unit integrates non-contact penetrate
Frequency technology, planar bar code technology or other payment technologies, and Quick Response Code is gone into background process, user no longer needs scanning two dimension
Code provides Quick Response Code for scanning；
The touch screen intelligent cards may include diversified appearance design.
The touch screen intelligent cards and its software kit may be constructed as follows with various mobile phones and various mobile-phone payment softwares
Relationship：
The peripheral hardware of the first relationship, i.e. card as specific payment software,
1, it has bound phone number and has bound bank card or supplemented the mobile-phone payment software of fund with money by installing institute
It states the software kit of touch screen intelligent cards, matched via verification, with card；
2, card is transferred or copied to payment under line by mobile-phone payment soft ware authorization.Card only obtain it is required for payment most
Small permission does not obtain the administration authority to fund, does not obtain Modify password permission, not obtaining the administration authority to payment account；
3, card completes non-contacting payment under the situation for being detached from mobile phone；
It 4, can be one-sided to nullify card by pre-set password or short message verification code mounted on the software kit of mobile phone
Piece；Card cannot operate mobile phone payment software.
The peripheral hardware of second of relationship, i.e. card as integration all payment functions of interior of mobile phone,
1, the software kit of the touch screen intelligent cards is installed to mobile phone, matched via verification, mobile phone and card；
2, using software kit, the payment software with different payment functions installed in mobile phone is enabled to match respectively with card
It is right；
3, card obtains the payment authorization from various payment softwares.Card only obtain least privilege required for payment,
The administration authority to fund is not obtained, is not obtained Modify password permission, is not obtained the administration authority to payment account；
4, the graphical interfaces of card can switch payment software；
5, card completes non-contacting payment under the situation for being detached from mobile phone；
6, by pre-set password or short message verification code, the software kit mounted on mobile phone can unilaterally nullify card
Piece；Card cannot operate cell phone software.
The invention has the advantages that：
1, by by with the transition of operation of end-on and payment or copy to touch screen intelligent cards, the peace that mobile phone is had
Full authentication function and mobile payment function separate, to substantially reduce because frequently paying the security risk brought.Work as discovery
When card is lost, only card need to be nullified by mobile phone, you can prevent monetary losses；
2, touch screen intelligent cards are positioned as aiming at the peripheral hardware for completing payment, delivery operation can be further simplified.With payment
For treasured, completes to relate to Quick Response Code payment under primary line at present, need 1) to unlock mobile phone；2) it networks；3) Alipay software is found；4)
Alipay software is opened, preset verification (such as gesture password, brush face) is completed；5) it presses and scans the two-dimensional code, or press and " pay
Money " is to generate Quick Response Code；6) it is docked with the various terminals for initiating payment request, completes payment.When using touch screen intelligent cards,
Operation will be enabled to be simplified to：1) card is placed in the card-reading zone for the various terminals for initiating payment request；2) when payment meets small amount
When exempting from close condition, it is done directly payment, and deducted amount is shown in graphical interfaces；When needing password or fingerprint or voice print verification true
When recognizing payment, payment is confirmed with password or fingerprint or vocal print in Card-terminal by user.Card is used so that payment all only needs every time
Two steps；
3, extension of the card graphical interfaces as mobile phone screen, can forgo irrelevant information, be absorbed in display and payment phase
The key message of the pass such as amount of money, and miscellaneous function can be opened to service crowd in need；
4, when there is the terminal of new initiation payment request, the payment unit of card only needs more new program content, so that it may
Adapt to new hardware.
Description of the drawings
Fig. 1 is the schematic diagram of mobile payment Enhancement Method of the present invention.
Specific implementation mode
The present invention is suitable for various mobile payment softwares and cell phone platform, implements to require synthesis of the association based on mobile phone
Equipment, touch screen intelligent cards of the present invention and the various terminals for initiating payment request.
Shown in attached drawing,
Software kit is installed in mobile phone by step 1)；
Step 2) starts card by software kit, or by the hardware switch of touch screen intelligent cards；
For step 3) by software kit, the one or more payment softwares installed into mobile phone ask minimum required for payment
Permission.For example, be mounted with certain payment software in mobile phone, software kit initiates request, obtain the line of the payment software under Authority TO Pay
Limit.If the payment software is bundled with multiple bank cards and supplements remaining sum with money, acquiescence branch can be set by software kit
It pays, the means of payment can also be switched by the graphical interfaces of touch screen intelligent cards.If having obtained the payment of multiple payment softwares
Permission again may be by software kit setting acquiescence payment, or switch payment by the graphical interfaces of touch screen intelligent cards
Mode.
Step 4) touch screen intelligent cards pass through various feasible communication modes, the various terminals pair with initiation payment request
It connects, completes payment in a non-contact manner.Adaptability to various terminals is by updating in the programming of software kit and card
Hold realization.
Claims (6)
1. a kind of Enhancement Method of mobile payment, it is characterised in that including：
Touch screen intelligent cards, for taking over the payment function undertaken originally by package such as mobile phone, with initiation payment request
Various terminals are docked；
Suitable for various mobile phones, with the mating software of touch screen intelligent cards, for matching touch screen intelligent cards and various mobile phones
And various mobile-phone payment softwares.
2. Enhancement Method as described in claim 1, which is characterized in that the touch screen intelligent cards include：
Graphics interface unit has the function of service vision disorder personage for showing current operation；
Payment unit is exempted from close or by password and/or fingerprint and/or sound for being docked with the various terminals for initiating payment request
Line validation of payment integrates non-contact radio-frequency technology, planar bar code technology or other payment technologies, Quick Response Code is gone to background process；
Voice recognition unit, for being operated and being recorded vocal print to card with voice；
Voice broadcast unit carries out voice broadcast for all or part of information to display, can be controlled by software kit
Voice broadcast is to recover the card of loss；
Encrypted communication unit, for the communication between mobile phone and the various terminals of initiation payment request；
Diversified appearance design.
3. payment unit as claimed in claim 2, it is characterised in that further include：
Programming content is upgraded to cope with the following various new equipments for initiating payment request.
4. Enhancement Method as described in claim 1, it is characterised in that：
By software kit, touch screen intelligent cards can be with various mobile phones and various mobile-phone payment software sharing the following two kinds relationships
One of, i.e. 1) the peripheral hardware as specific payment software, 2) as the peripheral hardware for integrating all payment functions of interior of mobile phone.Touch screen intelligence
Card is positioned as completing personal customization by mobile phone the peripheral hardware of payment function is implemented separately.
5. the touch screen intelligent cards as the peripheral hardware of specific payment software as claimed in claim 4, it is characterised in that：
Card obtains least privilege required for payment from mobile-phone payment software, does not obtain the administration authority to fund, does not obtain and repair
Change the security permissions such as password, does not obtain the administration authority to payment account；
Card can complete non-contacting payment under the situation for being detached from mobile phone；
Software kit mounted on mobile phone can unilaterally nullify card by pre-set password or short message verification code；Card
Piece cannot operate mobile phone payment software.
6. the touch screen intelligent cards as the peripheral hardware for integrating all payment functions of interior of mobile phone as claimed in claim 4, feature
It is：
By software kit, the various payment softwares with different payment functions installed in mobile phone can match with card respectively
It is right；
Card obtains the least privilege required for payment from various payment softwares, does not obtain the administration authority to fund, does not obtain
The security permissions such as Modify password are taken, do not obtain the administration authority to payment account；
The graphical interfaces of card can switch payment software；
Card can complete non-contacting payment under the situation for being detached from mobile phone；
By pre-set password or short message verification code, the software kit mounted on mobile phone can unilaterally nullify card；Card
Piece cannot operate cell phone software.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810249580.6A CN108764895A (en) | 2018-03-14 | 2018-03-14 | A kind of Enhancement Method of mobile payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810249580.6A CN108764895A (en) | 2018-03-14 | 2018-03-14 | A kind of Enhancement Method of mobile payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108764895A true CN108764895A (en) | 2018-11-06 |
Family
ID=63980231
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810249580.6A Pending CN108764895A (en) | 2018-03-14 | 2018-03-14 | A kind of Enhancement Method of mobile payment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110400137A (en) * | 2019-04-03 | 2019-11-01 | 泰州市海陵区一马商务信息咨询有限公司 | Exempt from close payment verifying system |
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Application publication date: 20181106 |