CN108898383A - A kind of mode of payment based on Wi-Fi wireless access point - Google Patents
A kind of mode of payment based on Wi-Fi wireless access point Download PDFInfo
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- CN108898383A CN108898383A CN201810715187.1A CN201810715187A CN108898383A CN 108898383 A CN108898383 A CN 108898383A CN 201810715187 A CN201810715187 A CN 201810715187A CN 108898383 A CN108898383 A CN 108898383A
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
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Abstract
The invention discloses a kind of modes of payment based on Wi-Fi wireless access point, specific technical solution includes the payable Wi-Fi wireless access point of access, connection both sides audit the safety of connection relationship, the Wi-Fi wireless access point Sending Payments application of user direction, connection both sides audit payment application again, user side's payment, completes transaction payment.The technical solution realizes payment function using Wi-Fi technology, realize the needs of the high-volume user-pay in Same Scene, it does not need to claim to common network quality simultaneously yet, scheme is simple and easy, application scenarios are extensive, payment data transmission rate is high, is more suitable in following electronic money payment scene practical.
Description
Technical field
The present invention relates to transaction fields, and in particular to a kind of mode of payment based on Wi-Fi wireless access point.
Background technique
In modern commerce, the autonomous payment method in business activity is varied, mainly there is wechat two dimensional code self-checkout,
APP prepayment etc., the very big payment in business activity that alleviates of these modes needs the puzzlement being lined up, but there is also many
Problem.
Wechat two dimensional code self-checkout is that terminal by network enters merchant page first, then autonomous selection payment.This
Kind mode seems simply, but faces the problem of how guaranteeing network connection, because many business activities of the extension of city space turn
Enter to underground and carry out, such as subway station and commercial circle subterranean layer etc., the process of access network can not be completed well in these places,
Also relatively good network service quality can not be obtained well, also cause network-based immediate payment mode limited greatly therewith
System.
Secondly APP prepayment mainly has the channels such as Meituan, but reality is emphasized in the especially fields such as food and drink in business activity
Shi Xing, people order at mainly scene of ordering, but APP prepayment cannot achieve this characteristic just.If real-time using APP
Payment, needs the more APP of Internet resources to be still not so good as wechat two dimensional code self-checkout in the practicability in the bad place of network.
Now, in social life, Wi-Fi is ubiquitous, and Wi-Fi is provided in especially common retail shop and has become routine
It configures, Wi-Fi has the characteristics that multiple terminals connection and connects safer, most importantly Wi-Fi building network and connection pass
Support of the ability of system from entity transmitter in retail shop, area immediately entirely ineffective in common network, Wi-Fi Hotspot
Function there will not be loss.Secondly the terminal that the characteristic of the multiple terminals Wi-Fi connection supports the upper limit settable is paid the bill in network.And
And the logical relation of Wi-Fi payment only has trade company and user the two poles of the earth, compared to the trade company of other means of payment, intermediate clearance platform
It is more simple and safe with the mode of the tri-polar relationship of user, Wi-Fi payment.
Summary of the invention
The technical problem to be solved in the present invention is that how to provide a kind of mode of payment based on Wi-Fi wireless access point.
For this purpose, the embodiment of the invention discloses a kind of payments based on Wi-Fi wireless access point according to this technical problem
Method, the method includes：
It is responded after monitoring the operation of user's starting target application, obtains the Wi-Fi permission of user terminal；The Wi-Fi
Permission includes the permission for obtaining Wi-Fi access-in point information and the permission of authentication；
It monitors that the user requests to open after Wi-Fi access-in point information shows the page to respond, obtains the Wi-Fi access
Point information simultaneously accesses point list according to signal strength or weakness typesetting for Wi-Fi；Wherein, the Wi-Fi access point list includes that Wi-Fi connects
Access point secret key facilities, Wi-Fi access point signals strength conditions；
The Wi-Fi access-in point information list display page is jumped, is shown in the Wi-Fi access-in point information list display page
Show the Wi-Fi access point list；
Monitoring that the user clicks selects the Wi-Fi access-in point information list display page described in the target application aobvious
It is responded after the Wi-Fi access point item for the Wi-Fi access point list shown, to the corresponding target Wi- of the Wi-Fi access point item
The request of Fi access point accesses and sends access verification information；
It monitors to respond after accessing the target Wi-Fi access point, provides payment application to the target Wi-Fi access point
Verifying；
Monitor that the target Wi-Fi access point postbacks the payment application according to payment application verifying and verifies receipt
It is responded after to the subscriber terminal equipment, audits the payment application verifying receipt；
It monitors that the payment application verifying receipt responds after the approval, it is pre- to jump to the target Wi-Fi access point
If the page；The target Wi-Fi access point, which is preset, shows payment options in the page；
It monitors to respond after the user clicks the payment options, to the target Wi-Fi access point Sending Payments
Application；
It responds, jumps after monitoring the payment application receipt that the target Wi-Fi access point is postbacked according to the payment application
Go to the Payment Amount page；
It monitors to respond after the user fills in the Payment Amount page, sends and pay to the target Wi-Fi access point
Money amount information and identifying code, and jump to identifying code and fill in the page；
It monitors that the user responds after the identifying code is filled in and fills in the identifying code in the page, audits the verifying
Whether code is correct, jumps to the payment page if correct；Rebound to the identifying code fills in the page if the identifying code mistake
Original state；
It monitors that the user responds after payment page selection determines, pays the bill to the target Wi-Fi access point,
And it jumps to payment and completes the page.
Optionally, into Wi-Fi access point list, whether all Wi-Fi access point grantings support the verifying Shen paid the bill
Please；
It monitors the support payment information of the Wi-Fi access point reply or is responded after not supporting payment information, to support
Pay the bill Wi-Fi access point be equipped with label, to do not support payment Wi-Fi access point be not marked with note；
Monitor that the user often by responding after support payment Wi-Fi access point item, jumps out page frame；The page
The support payment Wi-Fi access-in point information is shown in frame.
Optionally, after selecting the target Wi-Fi access point in response to the user, to the target Wi-Fi access point
Carry out security verification；The security verification is to carry out checking and killing virus to the target Wi-Fi access point using security software
And security evaluation；
In response to monitoring that the security verification of the target Wi-Fi access point is not pass through, jumps out and exit the page
Frame；The page frame that exits shows the checking and killing virus and security assessment result；
The page frame that exits further includes countdown display items and trust item；The countdown display items show that content is to fall
Timing time disconnects when the count down time is zero with the connection of the target Wi-Fi access point；Described in the user clicks
The page frame that exits is closed after trusting item, is kept with the target Wi-Fi access point connection relationship.
Technical solution of the present invention has the following advantages that：
The invention discloses a kind of mode of payment based on Wi-Fi wireless access point, specific technical solution includes access can
The Wi-Fi wireless access point of payment, connection both sides audit the safety of connection relationship, user direction Wi-Fi wireless access point
Sending Payments application, connection both sides audit payment application again, and transaction payment is completed in user side's payment.The technical solution utilizes
Wi-Fi technology realizes payment function, realizes the needs of the high-volume user-pay in Same Scene, while also not needing to public affairs
It is claimed with network quality, scheme is simple and easy, and application scenarios are extensive, and payment data transmission rate is high, in following electronics
It is more suitable in currency payment scene practical.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of structural schematic diagram that the mode of payment based on Wi-Fi wireless access point has in the embodiment of the present invention.
Fig. 2 is a kind of flow diagram of the mode of payment based on Wi-Fi wireless access point in the embodiment of the present invention.
Fig. 3 is the Wi-Fi wireless access point querying flow schematic diagram that can pay the bill in the embodiment of the present invention.
Fig. 4 is the flow diagram of Wi-Fi wireless access point security verification in the embodiment of the present invention.
Specific embodiment
Technical solution of the present invention is clearly and completely described below in conjunction with attached drawing, it is clear that described implementation
Example is a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill
Personnel's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
In the description of the present invention, it should be noted that term " center ", "upper", "lower", "left", "right", "vertical",
The orientation or positional relationship of the instructions such as "horizontal", "inner", "outside" be based on the orientation or positional relationship shown in the drawings, merely to
Convenient for description the present invention and simplify description, rather than the device or element of indication or suggestion meaning must have a particular orientation,
It is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.In addition, term " first ", " second ",
" third " is used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance.
In the description of the present invention, it should be noted that unless otherwise clearly defined and limited, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
To be mechanical connection, it is also possible to be electrically connected；It can be directly connected, can also indirectly connected through an intermediary, it can be with
It is the connection inside two elements, can be wireless connection, be also possible to wired connection.For those of ordinary skill in the art
For, the concrete meaning of above-mentioned term in the present invention can be understood with concrete condition.
As long as in addition, the non-structure each other of technical characteristic involved in invention described below different embodiments
It can be combined with each other at conflict.
In order to realize the mode of payment of Wi-Fi wireless access point, embodiment 1 is disclosed, Fig. 1 and Fig. 2 are please referred to, Fig. 1 is
A kind of structural schematic diagram that the mode of payment based on Wi-Fi wireless access point has in the embodiment of the present invention；Fig. 2 is that the present invention is real
Apply a kind of flow diagram of the mode of payment based on Wi-Fi wireless access point in example.
Based on connection type shown in FIG. 1, wireless Wi-Fi access point has the characteristics that Mulit-point Connection, may be implemented multiple
User pay the bill at the same time and can not mating equality strength waiter, basic fundamental effect be equal to wechat two dimensional code payment.
But it is paid compared to wechat two dimensional code, the technical program, which realizes, has removed intermediate clearance platform in transaction
Participation, reaching for particular transactions complete between end user and trade company, and centre clearance platform is only completed settlement function, this friendship
Easy clearing form ensure that the safety of Transaction Information.
The present embodiment technical solution the method specifically includes：
Step 1：It is responded after the operation for monitoring user's starting target application, obtains the Wi-Fi permission of user terminal；
Wi-Fi permission includes the permission for obtaining Wi-Fi access-in point information and the permission of authentication；Target application not only includes tradition
Application software, may also comprise small routine and web page program etc..
It should be noted that monitoring mentioned here refers to that monitoring user carries out certain operations or certain applications progress is certain
The e-command issued when operation, after monitoring that e-command issues, technical solution provided by the present embodiment can
Continue to carry out downwards.Monitoring mentioned here is equal with monitoring described below.
Response said herein refers to be sent out when monitoring that user carries out certain operations or certain applications certain operations of progress
When e-command out, carry out needing application, the page and program to be started etc. into next step starting next step.Here institute
That says is equivalent in response to response described below.
Step 2：It monitors that user requests to open after Wi-Fi access-in point information shows the page to respond, obtains Wi-Fi access point
Information simultaneously accesses point list according to signal strength or weakness typesetting for Wi-Fi；Wherein, it includes that Wi-Fi access point is close that Wi-Fi, which accesses point list,
Spoon facilities, Wi-Fi access point signals strength conditions.
Step 3：The Wi-Fi access-in point information list display page is jumped, in the Wi-Fi access-in point information list display page
Show that Wi-Fi accesses point list.
Step 4：Monitor that user clicks what the Wi-Fi access-in point information list display page in selection target application was shown
It is responded after the Wi-Fi access point item of Wi-Fi access point list, to the corresponding target Wi-Fi access point request of Wi-Fi access point item
It accesses and sends access verification information.
Step 5：It is responded after monitoring access target Wi-Fi access point, provides payment application to target Wi-Fi access point and test
Card.
Step 6：Monitor that target Wi-Fi access point postbacks payment application according to payment application verifying and verifies receipt to user
It is responded after terminal device, audit payment application verifies receipt.
Step 7：It monitors that payment application verifying receipt responds after the approval, it is default to jump to target Wi-Fi access point
The page；Target Wi-Fi access point, which is preset, shows payment options in the page.
Step 8：It monitors to respond after user clicks payment options, to target Wi-Fi access point Sending Payments application.
Step 9：It responds, jumps after monitoring the payment application receipt that target Wi-Fi access point is postbacked according to payment application
To the Payment Amount page.
Step 10：It monitors to respond after user fills in the Payment Amount page, to the target Wi-Fi access point Sending Payments amount of money
Information and identifying code, and jump to identifying code and fill in the page.
Step 11：Monitor that user responds after identifying code is filled in and fills in identifying code in the page, whether just audit identifying code
Really, the payment page is jumped to if correct；Rebound to identifying code fills in page original state if identifying code mistake.
Step 12：It monitors that user responds after payment page selection determines, pays the bill to target Wi-Fi access point, and jump
It goes to payment and completes the page.
Here it should be noted that, technical solution disclosed in the present embodiment settles accounts aspect in possible electronic money offline,
It can be applied with off line, that is to say that technical solution disclosed in the present embodiment is in can realizing by way of building local area network
The inside budget and balance of portion's clearing or external settlement.
Here must also illustrate, technical solution disclosed in the present embodiment be not restricted to electronic money clearing and
The clearing of network payment, also can be applied to the clearing between currency money electronic equivalent that may be present, and the present embodiment uses Wi-Fi
Mode carry out data transmission, gathered around in high rate data transmission scene required for being settled accounts between the following possible currency money electronic equivalent
There is good adaptability.
In order to supplement the technical solution in embodiment 1, so that the embodiment is more suitable for implementing, open embodiment 1-A please join
Fig. 3 is examined, Fig. 3 is the Wi-Fi wireless access point querying flow schematic diagram that can pay the bill in the embodiment of the present invention.
Embodiment 1-A is based on embodiment 1, and the extension and in-depth of step 3 specifically in embodiment 1 are specific to walk
Suddenly it is：
Step 3-1, into Wi-Fi access point list, whether all Wi-Fi access point grantings support the verifying application of payment.
Step 3-2 monitors the support payment information of Wi-Fi access point reply or responds after not supporting payment information, right
Payment Wi-Fi access point is supported to be equipped with label, to not supporting payment Wi-Fi access point not to be marked with note, user can choose access
Or it does not access.
Step 3-3 monitors that user often by responding after supporting payment Wi-Fi access point item, jumps out page frame；In page frame
Payment Wi-Fi access-in point information is supported in display, can specifically access comment information, transaction data payment Wi- related to other
The data of Fi access-in point information.
In order to supplement the technical solution in embodiment 1, so that the embodiment is more suitable for implementing, open embodiment 1-B please join
Fig. 4 is examined, Fig. 4 is the flow diagram of Wi-Fi wireless access point security verification in the embodiment of the present invention.
Embodiment 1-B is based on embodiment 1, and the extension and in-depth of step 4 specifically in embodiment 1 are specific to walk
Suddenly it is：
Step 4-1 carries out safety to target Wi-Fi access point and tests after user's selection target Wi-Fi access point
Card.Security verification said herein is to carry out checking and killing virus and security evaluation to target Wi-Fi access point using security software.Disease
Malicious killing mainly prevents extension horse webpage etc. with netpage virus, security evaluation be then a possibility that assessing safe web page,
It is exactly that the unsanctioned webpage of security evaluation is possible to the not band such as extension horse webpage netpage virus.Checking and killing virus and security evaluation engine
It can be included, or there are interfaces for access third party's killing software.
Step 4-2, if killing result is to pass through, transaction is normally carried out；If in response to monitoring that target Wi-Fi connects
The security verification of access point is not pass through, jumps out and exits page frame；It exits page frame and shows checking and killing virus and security evaluation knot
Fruit.
Step 4-3, exiting page frame further includes countdown display items and trust item；It directly selects closing and exits page frame,
Then connection directly disconnects；Countdown display items show that content is count down time, connect when count down time is zero with target Wi-Fi
The connection of access point disconnects；User, which clicks, trusts the closing of item backed off after random page frame, keeps with target Wi-Fi access point connection relationship,
Transaction is normally carried out.
Obviously, the above embodiments are merely examples for clarifying the description, and does not limit the embodiments.It is right
For those of ordinary skill in the art, can also make on the basis of the above description it is other it is various forms of variation or
It changes.There is no necessity and possibility to exhaust all the enbodiments.And it is extended from this it is obvious variation or
It changes still within the protection scope of the invention.
Claims (3)
1. a kind of mode of payment based on Wi-Fi wireless access point, which is characterized in that the method includes：
It is responded after monitoring the operation of user's starting target application, obtains the Wi-Fi permission of user terminal；The Wi-Fi permission
Including obtaining the permission of Wi-Fi access-in point information and the permission of authentication；
It monitors that the user requests to open after Wi-Fi access-in point information shows the page to respond, obtains the Wi-Fi access point letter
It ceases and is that Wi-Fi accesses point list according to signal strength or weakness typesetting；Wherein, the Wi-Fi access point list includes Wi-Fi access point
Secret key facilities, Wi-Fi access point signals strength conditions；
The Wi-Fi access-in point information list display page is jumped, shows institute in the Wi-Fi access-in point information list display page
State Wi-Fi access point list；
Monitor that the user clicks what the Wi-Fi access-in point information list display page described in the selection target application was shown
It responds after the Wi-Fi access point item of the Wi-Fi access point list, is connect to the corresponding target Wi-Fi of the Wi-Fi access point item
Access point request accesses and sends access verification information；
It monitors to respond after accessing the target Wi-Fi access point, provides payment application to the target Wi-Fi access point and test
Card；
Monitor that the target Wi-Fi access point postbacks the payment application according to payment application verifying and verifies receipt to institute
It is responded after stating subscriber terminal equipment, audits the payment application verifying receipt；
It monitors that the payment application verifying receipt responds after the approval, jumps to the target Wi-Fi access point and preset page
Face；The target Wi-Fi access point, which is preset, shows payment options in the page；
It monitors to respond after the user clicks the payment options, to the target Wi-Fi access point Sending Payments application；
It responds, jumps to after monitoring the payment application receipt that the target Wi-Fi access point is postbacked according to the payment application
The Payment Amount page；
It monitors to respond after the user fills in the Payment Amount page, to the target Wi-Fi access point Sending Payments gold
Volume information and identifying code, and jump to identifying code and fill in the page；
Monitor that the user responds after the identifying code is filled in and fills in the identifying code in the page, auditing the identifying code is
It is no correct, the payment page is jumped to if correct；Being knock-oned if the identifying code mistake to the identifying code, it is initial to fill in the page
State；
It monitors that the user responds after payment page selection determines, pays the bill to the target Wi-Fi access point, and jump
It goes to payment and completes the page.
2. the method according to claim 1, wherein further including：
Into Wi-Fi access point list, whether all Wi-Fi access point grantings support the verifying application of payment；
It monitors the support payment information of the Wi-Fi access point reply or is responded after not supporting payment information, paid the bill support
Wi-Fi access point be equipped with label, to do not support payment Wi-Fi access point be not marked with note；
Monitor that the user often by responding after support payment Wi-Fi access point item, jumps out page frame；In the page frame
Show the support payment Wi-Fi access-in point information.
3. according to the method described in claim 2, it is characterized in that, further including：
After selecting the target Wi-Fi access point in response to the user, safety is carried out to the target Wi-Fi access point and is tested
Card；The security verification is to carry out checking and killing virus and security evaluation to the target Wi-Fi access point using security software；
In response to monitoring that the security verification of the target Wi-Fi access point is not pass through, jumps out and exit page frame；Institute
It states and exits page frame and show the checking and killing virus and security assessment result；
The page frame that exits further includes countdown display items and trust item；The countdown display items show that content is countdown
Time disconnects when the count down time is zero with the connection of the target Wi-Fi access point；The user clicks the trust
It is described after to exit page frame closing, it is kept with the target Wi-Fi access point connection relationship.
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| CN201810715187.1A CN108898383A (en) | 2018-07-03 | 2018-07-03 | A kind of mode of payment based on Wi-Fi wireless access point |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109507902A (en) * | 2018-12-06 | 2019-03-22 | 安徽海豚新媒体产业发展有限公司 | A kind of information intelligent method for pushing based on smart home device |
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| CN107071864A (en) * | 2016-12-28 | 2017-08-18 | 上海掌门科技有限公司 | A kind of method, equipment and system for being used to connect WAP |
| CN107330687A (en) * | 2017-06-06 | 2017-11-07 | 深圳市金立通信设备有限公司 | A kind of near field payment method and terminal |
| CN107392586A (en) * | 2017-06-16 | 2017-11-24 | 南京维智感网络科技有限公司 | Quick Response Code payment system and method based on proximity relation detection |
| CN107295607A (en) * | 2017-07-05 | 2017-10-24 | 上海连尚网络科技有限公司 | Method and apparatus for connecting WAP |
| CN107241727A (en) * | 2017-07-28 | 2017-10-10 | 上海连尚网络科技有限公司 | Method and apparatus for obtaining WAP information |
| CN108174381A (en) * | 2018-04-17 | 2018-06-15 | 上海连尚网络科技有限公司 | For connecting the method and apparatus of wireless access point |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109507902A (en) * | 2018-12-06 | 2019-03-22 | 安徽海豚新媒体产业发展有限公司 | A kind of information intelligent method for pushing based on smart home device |
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