CN108921543A - A kind of near field payment terminal based on mobile telephone network, system and method - Google Patents
A kind of near field payment terminal based on mobile telephone network, system and method Download PDFInfo
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- CN108921543A CN108921543A CN201810568632.6A CN201810568632A CN108921543A CN 108921543 A CN108921543 A CN 108921543A CN 201810568632 A CN201810568632 A CN 201810568632A CN 108921543 A CN108921543 A CN 108921543A
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- mobile terminal
- signal
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- terminal
- near field
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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
- G06Q20/3278—RFID or NFC 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
- G06Q20/30—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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
Abstract
The near field payment terminal that the present invention relates to a kind of based on mobile telephone network, system and method, when customer mobile terminal is close near field payment terminal, near field payment terminal obtains customer mobile terminal signal, identify subscriber identity information, and customer mobile terminal to be deducted fees is screened according to pre-set programs, if meeting the condition of deducting fees of near-field payment system, deducted fees from user telephone fee account by mobile telephone network operator.Method, system and terminal of the invention, it is more convenient and reliable compared with traditional bank card/e-wallet account payment, user only needs carrying mobile phone i.e. payable, hardware device or software application needed for not needing to install any existing near-field payment system with various bank cards, and in mobile phone are not needed.
Description
Technical field
The present invention relates to mobile payment fields and internet of things field, more particularly to a kind of based on the close of mobile telephone network
Field payment terminal, system and method.
Background technique
Gradually tradition PC is replaced to penetrate into people's work, amusement, life with the development of science and technology, mobile phone has begun
Various aspects, subversive influence is caused on our life.Mobile phone has become the extension " device of modern
Official ", people usually can carry mobile phone at any time, and once lose to pull up a horse and report the loss cell-phone number.China's mobile telephone real-name
The completion of system allows existing mobile telephone network to carry out very strict authentication formality to the mobile phone for having access,
So that identity of the mobile phone in mobile telephone network be difficult puppet emit and completely it is believable, this addresses the problem conventional payment means
The problem of needing complicated authentication, the problem for needing to carry bank card inconvenience and opening APP operate excessive problem.
Summary of the invention
The purpose of the present invention is to provide a kind of near field payment terminal based on mobile telephone network, system and method, with
Realize quickly, safely, conveniently, top-tier customer experience near field payment technology.
The first object of the present invention is to provide a kind of near field payment method.To realize that the technical purpose, the present invention are adopted
With following technical solution：
A kind of near field payment method based on mobile telephone network, including：
Customer mobile terminal is close to the signal detection area of near field payment terminal；
Near field payment terminal obtains customer mobile terminal signal, identifies subscriber identity information, and screen wait detain according to pre-set programs
Take customer mobile terminal, if meeting the condition of deducting fees of near-field payment system, is talked about by mobile telephone network operator from user
It deducts fees in expense account.
Further, the pre-set programs screen the mode of customer mobile terminal to be deducted fees and are, in the payment terminal of near field
Setting signal detection device, signal supervisory instrument obtain user or customer mobile terminal parameter information, are believed according to the parameter of acquisition
Breath screens customer mobile terminal to be deducted fees.
Further, the signal supervisory instrument is infrared detecting device, distance sensing devices, recording apparatus, recording dress
Set, safety device, radar installations, calutron, device indicating movements, acoustic apparatus, various x-ray apparatus, in spectrum analyzer
It is one or more；For detecting the position of user, the movement velocity of user, the posture of user, the body temperature of user, user's movement
Terminal is at a distance from the payment terminal of near field, the source of the signal strength of customer mobile terminal, mobile terminal signal, mobile terminal letter
Number communication base station, whether the communicating of mobile terminal signal, in mobile terminal and the positional relationship of user, the orientation of mobile terminal
One or more parameter informations.
Further, the method also includes：Customer mobile terminal is close to the signal detection area of near field payment terminal；
Near field payment terminal screens customer mobile terminal to be deducted fees according to its preset program, if meeting near-field payment system
It deducts fees condition, then shows deduction information in payment terminal；
User confirms the deduction information of display；
Near field payment terminal is deducted fees from user telephone fee account according to field feedback, or is re-executed and screened use to be deducted fees
Family mobile terminal process.
Further, the method also includes：If deducting fees success, by mobile terminal network, operator passes through mobile terminal
Short massage notice mobile terminal user's deduction information of network；If deducted fees unsuccessfully, payment is prompted to fail, executes paid again
Journey.User can carry out anaphase nucleus pair and right-safeguarding according to deduction information as consumer record and voucher.
Further, the method also includes：After deducting fees successfully, near field payment terminal executes preset order.It is described
Preset order refers to the various orders executed needed for application scenarios according to the method for the present invention, such as applies in subway gate, then at
After function deducts the fee, subway gate make-up expense family is open, and user is allowed to pass through.
Further, in method of the invention, user's deduction information can store in the payment terminal of near field, and by logical
Communication network is sent to trade company administrative staff for inquiring；The demand that Mobile Network Operator can also be submitted according to trade company, issues quotient
The information such as the various data in family, information, suggestion.
Further, expense is deducted from credit account in method of the invention, and trade company must in advance and Mobile Network Operator
Arrange settlement accounts, can be installed in the payment terminal of near field from the gathering application program set, the corresponding rule of deducting fees of setting, it is mobile
Phone network operator after deducting fees in user telephone fee account, will deduct fees fund after deducting service charge commission transfer payment to
In the account that corresponding merchant is appointed.The balancing account of application program of collecting money and trade company is bound.Preferably, application program of collecting money is also
With the reserved specified natural person of the trade company（Such as legal representative or financial administrator or CFO）IMEI and/or SIM card
And/or telephone number binding, receive various data and management corresponding account for facilitating.Mobile Network Operator will finally deduct fees
Fund is deducting in the rear transfer payments to the account appointed with corresponding merchant such as service charge commission.
Further, Mobile Network Operator is provided to the pre-authorization amount of money of the certain amount of payment account of user.It moves
Dynamic network operator the use experience and itself demand previous according to user, give the credit amount of money of certain amount, for preventing
Only as payment and caused by communication of mobile terminal account defaulting subscriber make troubles, and short message remind user.
Further, further include：Spending limit is set in the payment terminal pre-set programs of near field, is more than that spending limit is then short
Letter notifies user to input identifying code confirmation payment.
Further, further include that trade company's information service is provided, paid eventually using the trade company of near field payment terminal by near field
The information that end inquiry detects, and demand is submitted to mobile telephone network operator；Mobile telephone network operator is according to trade company
The demand of submission feeds back information needed to trade company.For example, user's deduction information can store in the payment terminal of near field, and lead to
It crosses communication network and is sent to trade company administrative staff for inquiring.
The second object of the present invention is to provide a kind of near-field payment system based on mobile telephone network.The technology mesh
Realization by the following technical solutions：
A kind of near-field payment system based on mobile telephone network, including customer mobile terminal and near field payment terminal；It is described close
Field payment terminal includes communication device, signal supervisory instrument；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；
The signal supervisory instrument includes that the signal for receiving the signal receiving unit of signal, for carrying out parameter judgement determines
Unit and signal transmitting unit with communication；
Customer mobile terminal receives customer mobile terminal signal close to the signal detection area of near field payment terminal, communication device, knows
Other subscriber identity information；Signal receiving unit obtains user or customer mobile terminal parameter information, is sent to signal determination unit,
Signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；Signal transmitting unit determines signal single
The selection result of member is sent to communication device；Communication device and base station communication, mobile telephone network operator is from screening wait detain
Take in the user telephone fee account of customer mobile terminal and deducts fees.
It further, further include display device；
The selection result of signal determination unit is sent display device by signal transmitting unit, shows account information of deducting fees；
User confirms the account information of deducting fees that display device is shown；
Signal determination unit confirms customer mobile terminal to be deducted fees according to field feedback, or re-executes and screen wait deduct fees
Customer mobile terminal process.
It further, further include command executing unit；
Base station, which will deduct fees successfully to instruct, is back to communication device, and communication device, which receives to instruct, is simultaneously sent to command executing unit,
Command executing unit executes preset instruction.
The near field payment terminal based on mobile telephone network that a further object of the present invention is to provide a kind of, the technology mesh
Realization by the following technical solutions：
A kind of near field payment terminal based on mobile telephone network, including communication device, signal supervisory instrument；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；Customer mobile terminal signal is received, is known
Other subscriber identity information；And it deducts fees from the credit account of customer mobile terminal with base station communication；
The signal supervisory instrument includes signal receiving unit, signal determination unit and signal transmitting unit；
The signal receiving unit obtains user or customer mobile terminal parameter information；
The signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；
The selection result of signal determination unit is sent to communication device by the signal transmitting unit.
In the present invention, the communication device can be the acceptable customer mobile terminals such as small base station, base station or class base station
Signal and the communication device communicated with macro base station.Signified mobile terminal can be the usable subscriber identification cards such as mobile phone, PAD
Terminal, can from signal recognition user information, and carry out corresponding credit account and deduct fees.
The pre-set commands of the execution are each for realizing various operating functions and Trigger Function, such as switch gate, switch
Class lock, alarm, voice, video, recognition of face, payment, software triggering, key trigger, spray, place an order, pay the bill, make a reservation for, emit
Weapon, the starting vehicles, search, carrying, starter etc..
Method, system and terminal of the invention, with the payment of traditional bank card/e-wallet account compared to it is more convenient with
Reliably, user only needs carrying mobile phone i.e. payable, does not need with various bank cards, and does not need to install in mobile phone any existing
Hardware device needed for near-field payment system or software application.And user mobile phone changes feelings by short message real-time informing account
Condition ensures the account safety of user.The present invention is paid compared to traditional chip-shaped NFC chip, and it is limited to solve chip-shaped NFC
In the internal structure of mobile phone the problem of, it is insensitive to solve the problems, such as that chip-shaped NFC swipes the card, the mobile phone cost of reduction solves
The complex process of authentication reduces the process that chip-shaped NFC payment needs opening operation interface.Meanwhile the present invention compares
In various payment APP, reduce operating process, shorten the time of payment, solve movable signal it is bad caused by can not pay
Problem provides preferably payment experience for client.
Detailed description of the invention
Fig. 1 is the process schematic illustration of the near field payment method of the invention based on mobile telephone network；
Fig. 2 is a kind of application scenarios schematic diagram of the invention；
Fig. 3 is a kind of application scenarios schematic diagram of the invention；
Fig. 4 is a kind of near field payment terminal structural schematic diagram of the invention.
Specific embodiment
With reference to the accompanying drawing, method of the invention is described in further detail.
Embodiment 1
The present embodiment is further elaborated method of the invention so that subway passes in and out field gate as an example.
Customer mobile terminal（Such as mobile phone）Close to the signal detection area of near field payment terminal；
Near field payment terminal obtains mobile phone signal, identifies that subscriber identity information, signal supervisory instrument obtain user or user mobile phone
Parameter information screens user mobile phone to be deducted fees according to the parameter information of acquisition, if meeting the condition of deducting fees of near-field payment system,
Then deducted fees from user telephone fee account by mobile telephone network operator.
If deducting fees success, used by mobile terminal network operator by the short massage notice mobile terminal of mobile terminal network
Family deduction information；If deducted fees unsuccessfully, prompts payment to fail, execute payment process again.After deducting fees successfully, near field payment
Terminal executes preset order, opens gate, passes through user.
The Mobile Network Operator fund that will finally deduct fees arrives and corresponding merchant deducting the rear transfer payment such as service charge commission
In the account appointed.
User's deduction information can store in the payment terminal of near field, and be sent to trade company administrative staff by communication network
For inquiring；The demand that Mobile Network Operator can also be submitted according to trade company issues the letter such as the various data of trade company, information, suggestion
Breath.
Trade company must arrange settlement accounts with Mobile Network Operator in advance, can install in the payment terminal of near field from the receipts set
Money application program, the corresponding rule of deducting fees of setting.The balancing account of application program of collecting money and trade company is bound.Preferably, gathering is answered
Reserved specified natural person with program also with the trade company（Such as legal representative or financial administrator or CFO）IMEI and/
Or SIM card and/or telephone number are bound, and receive various data and management corresponding account for facilitating.Mobile Network Operator is most
Fund of deducting fees at last is deducting in the rear transfer payments to the account appointed with corresponding merchant such as service charge commission.
Mobile Network Operator is provided to the pre-authorization amount of money of the certain amount of payment account of user.Mobile network's operation
Quotient the use experience and itself demand previous according to user, give the credit amount of money of certain amount, for preventing due to payment
Communication of mobile terminal account defaulting subscriber caused by and is made troubles, and short message reminds user.
Spending limit can be set in the payment terminal pre-set programs of near field, be more than that then short massage notice user is defeated for spending limit
Enter identifying code confirmation payment.
User's deduction information can store in the payment terminal of near field, and be sent to trade company administrative staff by communication network
For inquiring；The demand that Mobile Network Operator can also be submitted according to trade company issues the letter such as the various data of trade company, information, suggestion
Breath.
Embodiment 2
The present embodiment the difference is that only that signal supervisory instrument obtains user or customer mobile terminal ginseng with embodiment 1
Number information, screens customer mobile terminal to be deducted fees according to the parameter information of acquisition, if meeting the item of deducting fees of near-field payment system
Part then shows deduction information in payment terminal；User confirms the deduction information of display；It can be confirmed using touch screen, is short
The handshake methods such as letter confirmation, near field payment terminal is deducted fees from user telephone fee account according to field feedback, or is re-executed
Screen customer mobile terminal process to be deducted fees.
Embodiment 3
Present embodiments provide it is a kind of using method of the invention under fixed fee scene, such as toll on the road and bridge station, scenic spot door
The embodiment of the industries such as ticket.
As shown in Fig. 2, near field payment terminal forms one section of detection zone, user enters in detection zone, then near field is paid
Terminal obtains customer mobile terminal signal, identifies that subscriber identity information, signal supervisory instrument obtain user or user mobile phone parameter
Information screens user mobile phone to be deducted fees according to the parameter information of acquisition, if meeting preset condition of deducting fees, by mobile phone
Network operator deducts fees from user telephone fee account.
Embodiment 4
Present embodiments provide it is a kind of using method of the invention under the biggish scene of customer traffic, such as supermarket, charge station,
The embodiment for the scenes such as mouth of paying the fees.
As shown in figure 3, near field payment terminal forms one section of detection wall, line of deducting fees such as is set in the place for needing to charge, only
It wants user actively to pass through the line of deducting fees, can be deducted fees according to the standard of deducting fees set.It can be led to simultaneously with multi-user
Line of deducting fees is crossed, signal detector can be aerial in payment overlying regions or lower section underground all may be used.Signal detector is according to setting
Program is detected, one " detection wall " is formed, if meeting preset condition of deducting fees, by mobile telephone network operator from user
It deducts fees in credit account.
In the present embodiment, signal detector can add the FIRD identification device of installation commodity, whenever people have bought thing,
By detect wall, detector can simultaneously automatic identification commodity type and quantity and deduct fees automatically.
Embodiment 5
Signal supervisory instrument can be infrared detecting device, distance sensing devices, recording apparatus, recording device, safety device, radar
One of device, calutron, device indicating movements, acoustic apparatus, various x-ray apparatus, spectrum analyzer are a variety of；With
It is paid in the detection position of user, the movement velocity of user, the posture of user, the body temperature of user, customer mobile terminal and near field
The distance of terminal, the signal strength of customer mobile terminal, the source of mobile terminal signal, mobile terminal signal communication base station,
One of whether the communicating of mobile terminal signal, the positional relationship of mobile terminal and user, the orientation of mobile terminal are a variety of
Parameter information.
The present embodiment specifically provides a kind of signal supervisory instrument and obtains user or customer mobile terminal parameter information, according to obtaining
The method that the parameter information taken screens customer mobile terminal to be deducted fees.
As shown in figure 4, signal supervisory instrument is a kind of electromagnetic screen, on detection means using small base station communication
Electromagnetic shielding material is covered, when customer mobile terminal is close to the signal detection area of near field payment terminal, signal decaying.Electromagnetism
There are range attenuations for the shield effectiveness of shielding material, then in detection zone, the threshold value of a signal intensity attenuation is arranged to sentence
The terminal for needing to deduct fees in disconnected detection zone, deducts fees.
In the present embodiment, range sensor can also be increased（Such as infrared, ultrasonic ranging means）, infrared detecting device（Root
User is positioned according to body temperature, or uses infrared distance measurement）, device indicating movements（Such as gravity sensing, terminal whereabouts situation etc. is judged）Make
For signal supervisory instrument, in conjunction with user's body temperature/Distance positioning, the parameters such as azimuth information of terminal positioning, multiple conditions are jointly about
Beam threshold decision, increase judge precision.
Embodiment 6
The present embodiment specifically provides a kind of signal supervisory instrument and obtains user or customer mobile terminal parameter information, according to acquisition
The method that parameter information screens customer mobile terminal to be deducted fees.
Using small base station communication, recording apparatus is as detection device, when customer mobile terminal is close near field payment terminal
Signal detection area when, video recording transmission video to image processing equipment carry out motion path judgement, select detection zone in need to detain
The terminal taken, deducts fees.
Embodiment 7
The present embodiment illustrates the embodiment of near-field payment system of the present invention.
Payment system of marching into the arena of the invention, including customer mobile terminal and near field payment terminal；The near field payment terminal
Including communication device, signal supervisory instrument；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；
The signal supervisory instrument includes that the signal for receiving the signal receiving unit of signal, for carrying out parameter judgement determines
Unit and signal transmitting unit with communication；
Customer mobile terminal receives customer mobile terminal signal close to the signal detection area of near field payment terminal, communication device, knows
Other subscriber identity information；Signal receiving unit obtains user or customer mobile terminal parameter information, is sent to signal determination unit,
Signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；Signal transmitting unit determines signal single
The selection result of member is sent to communication device；Communication device and base station communication, mobile telephone network operator is from screening wait detain
Take in the user telephone fee account of customer mobile terminal and deducts fees.
System of the invention further includes command executing unit；
Base station, which will deduct fees successfully to instruct, is back to communication device, and communication device, which receives to instruct, is simultaneously sent to command executing unit,
Command executing unit executes preset instruction according to specific application scenarios.
System of the invention may also include display device；
The selection result of signal determination unit is sent display device by signal transmitting unit, shows account information of deducting fees；
User confirms the account information of deducting fees that display device is shown；
Signal determination unit confirms customer mobile terminal to be deducted fees according to field feedback, or re-executes and screen wait deduct fees
Customer mobile terminal process.
The signal supervisory instrument can be infrared detecting device, distance sensing devices, recording apparatus, recording device, security protection
One of device, radar installations, calutron, device indicating movements, acoustic apparatus, various x-ray apparatus, spectrum analyzer
Or it is a variety of；For detect the position of user, the movement velocity of user, the posture of user, the body temperature of user, customer mobile terminal with
The distance of near field payment terminal, the signal strength of customer mobile terminal, the source of mobile terminal signal, mobile terminal signal it is logical
One of letter base station, whether the communicating of mobile terminal signal, the positional relationship of mobile terminal and user, the orientation of mobile terminal
Or many kinds of parameters information.It specifically can refer to the embodiment of embodiment 5-6.
Embodiment 8
The present embodiment illustrates the embodiment of near field payment terminal of the present invention.
Near field payment terminal of the invention, including communication device, signal supervisory instrument；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；Customer mobile terminal signal is received, is known
Other subscriber identity information；And it deducts fees from the credit account of customer mobile terminal with base station communication；
The signal supervisory instrument includes signal receiving unit, signal determination unit and signal transmitting unit；
The signal receiving unit obtains user or customer mobile terminal parameter information；
The signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；
The selection result of signal determination unit is sent to communication device by the signal transmitting unit.
The terminal may also include display device, for showing account information of deducting fees.
The signal supervisory instrument can be infrared detecting device, distance sensing devices, recording apparatus, recording device, security protection
One of device, radar installations, calutron, device indicating movements, acoustic apparatus, various x-ray apparatus, spectrum analyzer
Or it is a variety of；For detect the position of user, the movement velocity of user, the posture of user, the body temperature of user, customer mobile terminal with
The distance of near field payment terminal, the signal strength of customer mobile terminal, the source of mobile terminal signal, mobile terminal signal it is logical
One of letter base station, whether the communicating of mobile terminal signal, the positional relationship of mobile terminal and user, the orientation of mobile terminal
Or many kinds of parameters information.It specifically can refer to the embodiment of embodiment 5-6.
Claims (15)
1. a kind of near field payment method based on mobile telephone network, which is characterized in that including：
Customer mobile terminal is close to the signal detection area of near field payment terminal；
Near field payment terminal obtains customer mobile terminal signal, identifies subscriber identity information, and screen wait detain according to pre-set programs
Take customer mobile terminal, if meeting the condition of deducting fees of near-field payment system, is talked about by mobile telephone network operator from user
It deducts fees in expense account.
2. the method according to claim 1, wherein the pre-set programs screen customer mobile terminal to be deducted fees
Mode is the setting signal detection device in the payment terminal of near field, and signal supervisory instrument obtains user or customer mobile terminal ginseng
Number information, screens customer mobile terminal to be deducted fees according to the parameter information of acquisition.
3. according to the method described in claim 2, it is characterized in that, the signal supervisory instrument is infrared detecting device, ranging
Sensing device, recording apparatus, recording device, safety device, radar installations, calutron, device indicating movements, acoustic apparatus,
One of various x-ray apparatus, spectrum analyzer are a variety of；For detecting the position of user, the movement velocity of user, user
Posture, the body temperature of user, customer mobile terminal at a distance from the payment terminal of near field, the signal strength of customer mobile terminal, move
The dynamic source of terminal signaling, the communication base station of mobile terminal signal, mobile terminal signal whether communication, mobile terminal and user
Positional relationship, one of the orientation of mobile terminal or many kinds of parameters information.
4. method according to claim 1-3, which is characterized in that further include：Customer mobile terminal is close near field
The signal detection area of payment terminal；
Near field payment terminal screens customer mobile terminal to be deducted fees according to its preset program, if meeting near-field payment system
It deducts fees condition, then shows deduction information in payment terminal；
User confirms the deduction information of display；
Near field payment terminal is deducted fees from user telephone fee account according to field feedback, or is re-executed and screened use to be deducted fees
Family mobile terminal process.
5. method according to claim 1-3, which is characterized in that further include：If deducting fees success, by mobile whole
Network operator is held to pass through short massage notice mobile terminal user's deduction information of mobile terminal network；If deducted fees unsuccessfully, mention
Show payment failure, executes payment process again.
6. method according to claim 1-3, which is characterized in that further include：After deducting fees successfully, near field payment
Terminal executes preset order.
7. method according to claim 1-3, which is characterized in that further include mobile telephone network operator root
According to customer consumption history and user demand, the credit amount of money of the certain amount of user's payment account is given, and short message reminds user.
8. method according to claim 1-3, which is characterized in that further include, mobile telephone network operator with
Arrange trading account using the trade company of the near field payment terminal, mobile telephone network operator deducts fees from user telephone fee account
Afterwards, fund will be deducted fees after deducting service charge commission in transfer payment to the account appointed with corresponding merchant.
9. according to the method described in claim 8, it is characterized in that, mobile telephone network operator provide gathering application program,
It is bound with the balancing account for the trade company for using the near field payment terminal；Collect money application program and the trade company it is reserved it is specified from
The IMEI and/or SIM card of right people and/or telephone number binding.
10. method according to claim 1-3, which is characterized in that further include：In near field, payment terminal presets journey
Spending limit is set in sequence, is more than that then short massage notice user inputs identifying code confirmation payment to spending limit.
11. method according to claim 1-3, which is characterized in that further include providing trade company's information service, make
The information detected is inquired by near field payment terminal with the trade company of near field payment terminal, and is mentioned to mobile telephone network operator
Friendship demand；The demand that mobile telephone network operator submits according to trade company feeds back information needed to trade company.
12. a kind of near-field payment system based on mobile telephone network, which is characterized in that including customer mobile terminal and near field branch
Pay terminal；The near field payment terminal includes communication device, signal supervisory instrument；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；
The signal supervisory instrument includes that the signal for receiving the signal receiving unit of signal, for carrying out parameter judgement determines
Unit and signal transmitting unit with communication；
Customer mobile terminal receives customer mobile terminal signal close to the signal detection area of near field payment terminal, communication device, knows
Other subscriber identity information；Signal receiving unit obtains user or customer mobile terminal parameter information, is sent to signal determination unit,
Signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；Signal transmitting unit determines signal single
The selection result of member is sent to communication device；Communication device and base station communication, mobile telephone network operator is from screening wait detain
Take in the user telephone fee account of customer mobile terminal and deducts fees.
13. system according to claim 12, which is characterized in that further include display device；
The selection result of signal determination unit is sent display device by signal transmitting unit, shows account information of deducting fees；
User confirms the account information of deducting fees that display device is shown；
Signal determination unit confirms customer mobile terminal to be deducted fees according to field feedback, or re-executes and screen wait deduct fees
Customer mobile terminal process.
14. system according to claim 12, which is characterized in that further include command executing unit；
Base station, which will deduct fees successfully to instruct, is back to communication device, and communication device, which receives to instruct, is simultaneously sent to command executing unit,
Command executing unit executes preset instruction.
15. a kind of near field payment terminal based on mobile telephone network, which is characterized in that filled including communication device, signal detection
It sets；
The communication device is communicated with customer mobile terminal, base station and signal supervisory instrument；Customer mobile terminal signal is received, is known
Other subscriber identity information；And it deducts fees from the credit account of customer mobile terminal with base station communication；
The signal supervisory instrument includes signal receiving unit, signal determination unit and signal transmitting unit；
The signal receiving unit obtains user or customer mobile terminal parameter information；
The signal determination unit screens customer mobile terminal to be deducted fees according to the parameter information of acquisition；
The selection result of signal determination unit is sent to communication device by the signal transmitting unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810568632.6A CN108921543B (en) | 2018-06-05 | 2018-06-05 | Near field payment terminal, system and method based on mobile phone network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810568632.6A CN108921543B (en) | 2018-06-05 | 2018-06-05 | Near field payment terminal, system and method based on mobile phone network |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108921543A true CN108921543A (en) | 2018-11-30 |
| CN108921543B CN108921543B (en) | 2022-07-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810568632.6A Active CN108921543B (en) | 2018-06-05 | 2018-06-05 | Near field payment terminal, system and method based on mobile phone network |
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| CN (1) | CN108921543B (en) |
Cited By (1)
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| CN108921543B (en) | 2022-07-08 |
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