CN108960798A - A kind of GPRS method of mobile payment based on RFID - Google Patents
A kind of GPRS method of mobile payment based on RFID Download PDFInfo
- Publication number
- CN108960798A CN108960798A CN201810807716.0A CN201810807716A CN108960798A CN 108960798 A CN108960798 A CN 108960798A CN 201810807716 A CN201810807716 A CN 201810807716A CN 108960798 A CN108960798 A CN 108960798A
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- China
- Prior art keywords
- payment
- user
- mobile payment
- mobile
- rfid
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
- G06K17/0029—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device the arrangement being specially adapted for wireless interrogation of grouped or bundled articles tagged with wireless record carriers
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention discloses a kind of GPRS method of mobile payment based on RFID, comprising the following steps: step 1: trade company initiates payment, and to wireless POS machine typing payment information data；Step 2: POS machine transfers data to mobile payment platform；Step 3: mobile payment platform verifying trade company and RFID tag legitimacy；Step 4: mobile payment platform verifying trade company and RFID tag are legal；Step 5: user determines whether payment information is correct；Step 6: mobile payment platform sends payment information typing error message to POS machine, it is desirable that trade company re-types if user determines payment information mistake；If user determines that payment information is correct, mobile payment platform sends the selectable means of payment to user；Step 7: user selects the means of payment: bank account payment or small amount payment.The present invention use the GPRS method of mobile payment based on RFID, have the characteristics that it is efficient, convenient, reliable, relative to foreign countries mobile-payment system it is open-minded, be more conducive to wide popularization and application.
Description
Technical field
The present invention relates to mobile payment technical fields, and in particular to a kind of GPRS method of mobile payment based on RFID.
Background technique
Radio frequency identification (Radio Frequency Identification, RFID) technology is to pass through sky using radiofrequency signal
Between coupling (alternating magnetic field or electromagnetic field) realize that contactless information is passed through transmitted information and reaches automatic identification purpose
Technology.In recent years, RFID technique is widely adopted in logistics field, and it is most promising heavy that it by industry is known as this century
Want one of industry and application technology.The unique effect of RFID technique is that real world can be marked in the virtual world of network
Any object or people have " label ", " address digit " and " sensing function " three zones.In not far future, it is possible that
One of hot spot be exactly the various mobile numbers for being integrated with the wireless mobile intelligent terminal of RFID technique and carrying out on its basis
According to business.The mobile payment of China is started late, and development relatively lags behind.2000, China Mobile started the examination of mobile payment
The property tested application.By the way that the phone number of client is bound with payment accounts such as bank cards, with short message service, voice, WAP,
The modes such as USSD (non-structural benefitization fills business datum), K-JAVA, provide mobile payment service for client.Therefore, it is necessary to grind
Study carefully a kind of GPRS method of mobile payment based on RFID out.
Summary of the invention
The purpose of the present invention is to solve above-mentioned the deficiencies in the prior art, provide a kind of based on RFID's
GPRS method of mobile payment.
In order to achieve the above object of the invention, technical solution provided by the invention is as follows: a kind of GPRS based on RFID is mobile
Method of payment, the method for mobile payment the following steps are included:
Step 1: trade company initiates payment, and to wireless POS machine typing payment information data；
Step 2: POS machine transfers data to mobile payment platform；
Step 3: mobile payment platform verifying trade company and RFID tag legitimacy；
Step 4: mobile payment platform is sent to POS machine if illegal through mobile payment platform verifying trade company and RFID tag
The error message of illegal user causes to pay abort；If mobile payment platform verifies trade company and RFID tag is legal；
Step 5: user determines whether payment information is correct；
Step 6: mobile payment platform sends payment information typing mistake letter to POS machine if user determines payment information mistake
Breath, it is desirable that trade company re-types；If user determines that payment information is correct, mobile payment platform sends selectable branch to user
The mode of paying；
Step 7: user selects the means of payment: bank account payment or small amount payment；
Step 8: user inputs bank paying password, and bank paying platform is to bank if user selects to support bank account payment
Related payment information is forwarded, and carries out bank validation, if being verified, bank is transferred to payment amount, bank from user account
Payment successful information is sent to mobile payment platform, trade company delivers to user, pays successfully；If verifying does not pass through, bank is to shifting
Dynamic payment platform sends error message, and the number that judges incorrectly reaches restrictions, if not up to restriction, mobile payment platform to
Mobile phone transmission in family re-types password prompt, and returns to user and input bank paying password, if reaching restriction, mobile payment platform
Payment failure information is sent to user and POS machine, causes to pay abort；
Step 9: mobile payment platform sends confirmation message to user, and it is close that user inputs payment if user selects small amount payment
Code, and verified by mobile payment platform, if being verified, mobile payment platform deducts user telephone fee and is transferred to payment to trade company
The amount of money, so that mobile payment platform sends payment successful information to user and POS machine, trade company delivers to user, pays successfully；If
Verifying does not pass through, and misjudgment number reaches restriction, if not up to limiting, mobile payment platform is sent again to user mobile phone
Typing password prompt inputs payment cipher by user again, if reaching restriction, mobile payment platform is sent to user and POS machine
Failure information is paid, causes to pay abort.
Preferably, in the first step, after to wireless POS machine typing payment information data, pass through RFID Reader
Read FRID label information.
Preferably, in the 4th step, when mobile payment platform verifying trade company and RFID tag are legal, the movement is propped up
It pays platform and payment information is sent to user mobile phone by GPRS network.
Preferably, in the third step, the RFID tag includes main label and equal from label, main label and from label
It is set on phone housing.
Preferably, the RFID Reader mainly includes distribution reader and RFID POS machine, issues reader master
If the initial configuration before issuing RFID tag, related data is written to main label and from label and activates RFID
Label；RFID POS machine mainly reads required information in RFID tag, while by payment information data such as transaction journal
Number, trade company's code, service code, payment amount etc. be sent to mobile payment platform, and after receiving payment and completing confirmation message
Specific data are written in RFID tag according to the requirement of payment transaction.
Based on the above-mentioned technical proposal, of the invention that there is following technological merit compared with prior art:
The present invention use the GPRS method of mobile payment based on RFID, have the characteristics that it is efficient, convenient, reliable, meanwhile, relative to
External mobile-payment system is open-minded, more meets China's actual conditions, is conducive to wide popularization and application, due to RFID tag storage and
Identification function so that the type of the business of support increases, not only can the daily bankcard consumption function of reality, but also can reality from
The functions such as line payment, electronic bill, while also having the function of person identifier.
Detailed description of the invention
Fig. 1 is that the present invention is based on the GPRS mobile payment flow charts of RFID.
Specific embodiment
Explanation that the present invention will be further explained with reference to the accompanying drawings and examples.
As shown in Figure 1, a kind of GPRS method of mobile payment based on RFID, the method for mobile payment the following steps are included:
Step 1: trade company initiates payment, and to wireless POS machine typing payment information data；
Step 2: POS machine transfers data to mobile payment platform；
Step 3: mobile payment platform verifying trade company and RFID tag legitimacy；
Step 4: mobile payment platform is sent to POS machine if illegal through mobile payment platform verifying trade company and RFID tag
The error message of illegal user causes to pay abort；If mobile payment platform verifies trade company and RFID tag is legal；
Step 5: user determines whether payment information is correct；
Step 6: mobile payment platform sends payment information typing mistake letter to POS machine if user determines payment information mistake
Breath, it is desirable that trade company re-types；If user determines that payment information is correct, mobile payment platform sends selectable branch to user
The mode of paying；
Step 7: user selects the means of payment: bank account payment or small amount payment；
Step 8: user inputs bank paying password, and bank paying platform is to bank if user selects to support bank account payment
Related payment information is forwarded, and carries out bank validation, if being verified, bank is transferred to payment amount, bank from user account
Payment successful information is sent to mobile payment platform, trade company delivers to user, pays successfully；If verifying does not pass through, bank is to shifting
Dynamic payment platform sends error message, and the number that judges incorrectly reaches restrictions, if not up to restriction, mobile payment platform to
Mobile phone transmission in family re-types password prompt, and returns to user and input bank paying password, if reaching restriction, mobile payment platform
Payment failure information is sent to user and POS machine, causes to pay abort；
Step 9: mobile payment platform sends confirmation message to user, and it is close that user inputs payment if user selects small amount payment
Code, and verified by mobile payment platform, if being verified, mobile payment platform deducts user telephone fee and is transferred to payment to trade company
The amount of money, so that mobile payment platform sends payment successful information to user and POS machine, trade company delivers to user, pays successfully；If
Verifying does not pass through, and misjudgment number reaches restriction, if not up to limiting, mobile payment platform is sent again to user mobile phone
Typing password prompt inputs payment cipher by user again, if reaching restriction, mobile payment platform is sent to user and POS machine
Failure information is paid, causes to pay abort.
In the first step, after to wireless POS machine typing payment information data, RFID mark is read by RFID Reader
Sign information.In the 4th step, when mobile payment platform verifying trade company and RFID tag are legal, the mobile payment platform will be paid
Information is sent to user mobile phone by GPRS network.In the third step, the RFID tag includes main label and from label, principal mark
It signs and is all set on phone housing from label.The RFID Reader mainly includes distribution reader and RFID POS machine, hair
Row reader is mainly the initial configuration before issuing RFID tag, and related data is written to main label and from label
And activate RFID tag；RFID POS machine mainly reads required information in RFID tag, while by payment information data
Such as transaction journal number, trade company's code, service code, payment amount are sent to mobile payment platform, and complete receiving payment
Specific data are written in RFID tag according to the requirement of payment transaction after confirmation message.
Above content is example and explanation of the invention, but does not mean that the obtainable advantage of the present invention is so limited, all
It is wherein one the advantages of may being realized in simple transformation, and/or some embodiments to structure in practice process of the present invention
It is a or it is multiple within the scope of protection of this application.
Claims (5)
1. a kind of GPRS method of mobile payment based on RFID, it is characterised in that: the method for mobile payment the following steps are included:
Step 1: trade company initiates payment, and to wireless POS machine typing payment information data；
Step 2: POS machine transfers data to mobile payment platform；
Step 3: mobile payment platform verifying trade company and RFID tag legitimacy；
Step 4: mobile payment platform is sent to POS machine if illegal through mobile payment platform verifying trade company and RFID tag
The error message of illegal user causes to pay abort；If mobile payment platform verifies trade company and RFID tag is legal；
Step 5: user determines whether payment information is correct；
Step 6: mobile payment platform sends payment information typing mistake letter to POS machine if user determines payment information mistake
Breath, it is desirable that trade company re-types；If user determines that payment information is correct, mobile payment platform sends selectable branch to user
The mode of paying；
Step 7: user selects the means of payment: bank account payment or small amount payment；
Step 8: user inputs bank paying password, and bank paying platform is to bank if user selects to support bank account payment
Related payment information is forwarded, and carries out bank validation, if being verified, bank is transferred to payment amount, bank from user account
Payment successful information is sent to mobile payment platform, trade company delivers to user, pays successfully；If verifying does not pass through, bank is to shifting
Dynamic payment platform sends error message, and the number that judges incorrectly reaches restrictions, if not up to restriction, mobile payment platform to
Mobile phone transmission in family re-types password prompt, and returns to user and input bank paying password, if reaching restriction, mobile payment platform
Payment failure information is sent to user and POS machine, causes to pay abort；
Step 9: mobile payment platform sends confirmation message to user, and it is close that user inputs payment if user selects small amount payment
Code, and verified by mobile payment platform, if being verified, mobile payment platform deducts user telephone fee and is transferred to payment to trade company
The amount of money, so that mobile payment platform sends payment successful information to user and POS machine, trade company delivers to user, pays successfully；If
Verifying does not pass through, and misjudgment number reaches restriction, if not up to limiting, mobile payment platform is sent again to user mobile phone
Typing password prompt inputs payment cipher by user again, if reaching restriction, mobile payment platform is sent to user and POS machine
Failure information is paid, causes to pay abort.
2. the GPRS method of mobile payment according to claim 1 based on RFID, it is characterised in that: in the first step, when
To after wireless POS machine typing payment information data, FRID label information is read by RFID Reader.
3. the GPRS method of mobile payment according to claim 1 based on RFID, it is characterised in that: in the 4th step, when
Mobile payment platform verifies trade company and RFID tag is legal, and the mobile payment platform transmits payment information by GPRS network
To user mobile phone.
4. the GPRS method of mobile payment according to claim 1 based on RFID, it is characterised in that: in the third step, institute
RFID tag is stated to include main label and be all set on phone housing from label, main label and from label.
5. the GPRS method of mobile payment according to claim 2 based on RFID, it is characterised in that: the RFID
Reader mainly includes distribution reader and RFID POS machine, and distribution reader is mainly first before issuing RFID tag
Related data is written to main label and from label and activates RFID tag for beginningization configuration；RFID POS machine is mainly read
Required information in RFID tag, while by payment information data such as transaction journal number, trade company's code, service code, payment
Amount of money etc. is sent to mobile payment platform, and will be specific according to the requirement of payment transaction after receiving payment and completing confirmation message
Data are written in RFID tag.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810807716.0A CN108960798A (en) | 2018-07-21 | 2018-07-21 | A kind of GPRS method of mobile payment based on RFID |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810807716.0A CN108960798A (en) | 2018-07-21 | 2018-07-21 | A kind of GPRS method of mobile payment based on RFID |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108960798A true CN108960798A (en) | 2018-12-07 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810807716.0A Withdrawn CN108960798A (en) | 2018-07-21 | 2018-07-21 | A kind of GPRS method of mobile payment based on RFID |
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| CN (1) | CN108960798A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112069406A (en) * | 2020-09-01 | 2020-12-11 | 张富平 | Information pushing method based on block chain offline payment and cloud service pushing platform |
-
2018
- 2018-07-21 CN CN201810807716.0A patent/CN108960798A/en not_active Withdrawn
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112069406A (en) * | 2020-09-01 | 2020-12-11 | 张富平 | Information pushing method based on block chain offline payment and cloud service pushing platform |
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| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20181207 |
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| WW01 | Invention patent application withdrawn after publication |