CN110197376A - A kind of cross-border electric business internet finance method of mobile payment - Google Patents

A kind of cross-border electric business internet finance method of mobile payment Download PDF

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Publication number
CN110197376A
CN110197376A CN201910475684.3A CN201910475684A CN110197376A CN 110197376 A CN110197376 A CN 110197376A CN 201910475684 A CN201910475684 A CN 201910475684A CN 110197376 A CN110197376 A CN 110197376A
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cross
border
payment
module
unified
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Inventor
李全海
李一鸣
李辉
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Shandong Management University
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Shandong Management University
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Priority to CN201910475684.3A priority Critical patent/CN110197376A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of cross-border electric business internet finance method of mobile payment, including payment terminal device, two-dimension code recognition device, fund computing device, cross-border transferring device, Network Security Centre and cloud service background system center, the two-dimension code recognition device, barcode scanning identification progress payment by the transfer of accounts is provided by designing unified two dimensional code, the fund computing device carries out long-term storage and is made into voucher by carrying out unified record to the fund of payment and income;The cross-border transferring device includes providing convenient cross-border network channel and the cross-border unified Unionpay's service system of offer.The cross-border mobile payment platform of the invention patent unitary construction, by designing unified payment terminal device and two code recognition devices, it will overseas pay and be managed collectively, and funds data is subjected to unified storage, it is convenient for checking, it is added to Network Security Centre and cross-border transferring device simultaneously, has ensured the safety of fund, it is functional stronger.

Description

A kind of cross-border electric business internet finance method of mobile payment
Technical field
The present invention relates to e-payment technical field, especially a kind of cross-border electric business internet finance method of mobile payment.
Background technique
An electric business " word is abbreviation of the insider to e-commerce.In intuitive concept, electric business is divided into narrow sense by industry With broad sense, narrow sense electric business (E-Commerce) refers to the electronization of each stage trade activity during the entire trade of realization, and wide Adopted electric business (E-Business) refers to the electronization using all commercial activity operation flows of network implementations.The former, which concentrates on, is based on The electronic transaction of internet emphasizes enterprise using internet and external generation transaction and cooperation;And the latter then expands covering scope It is big very much, refer to that enterprise is engaged in commercial activity using various electronic tools.From narrow sense to broad sense, electric business is a continuous development Concept, initial narrow sense electric business concept are the pioneer IBM Corporations by e-commerce in proposition Electronic in 1996 The concept of Commerce (E-Commerce), by 1997, IBM Corporation proposed Electronic Business (E- again Business) the concept of this broad sense electric business.E-commerce has all been translated into when introducing these concepts in China.
Mobile payment, which refers to, completes payment or confirmation payment using regular handset or smart phone, rather than in cash, branch Ticket or bank card payment.The a series of service of mobile phone purchase, digital product or physical commodity can be used in buyer.Unit or Individual directly or indirectly sends payment instruction to bank finance mechanism by mobile device, internet or short distance sensing and generates Currency payment and fund displacement behavior, to realize mobile payment function.Mobile payment by terminal device, internet, using mentioning It is blended for quotient and financial institution, provides the financial business such as currency payment, payment for user, current cross-border electric business is in internet This block of mobile payment more lags, and causes fund dwell time longer, and turnover is slow, the overseas development of electric business is influenced, for above The problem of, herein it is proposed that a kind of cross-border electric business internet finance method of mobile payment.
Summary of the invention
The present invention is to solve above-mentioned phenomenon, using the technical solution of following modification, a kind of cross-border electric business internet finance shifting Dynamic method of payment, including payment terminal device, two-dimension code recognition device, fund computing device, cross-border transferring device, network security Center and cloud service background system center, the two-dimension code recognition device provide barcode scanning identification by designing unified two dimensional code Payment by the transfer of accounts is carried out, the fund computing device is deposited for a long time by carrying out unified record to the fund of payment and income Storage is made into voucher;The cross-border transferring device includes providing convenient cross-border network channel and the cross-border unified Unionpay's service system of offer System;The Network Security Centre integrally provides network security, and dangerous software is avoided to invade, and provides general safety maintenance;The cloud Service background system centre is set as artificial background operating system.
As present invention further optimization mode, the payment terminal device be set as can provide the mobile phone of payment function or Electronic product, the inside of the payment terminal device include search module, order module, delivery module, supervision module and service Device, described search module, order module, delivery module, supervision module connect with the server respectively and pass through the server Information exchange between progress, described search module send the information for meeting search condition, the delivery to the administration module Module is used for reimbursement of expense and clearing.
As present invention further optimization mode, the Network Security Centre, including monitoring modular, processing module, solution Close module checks module and firewall module, for carrying out safety monitoring to received Email;Processing module is used In will be described E-mail enciphered, and, the Email is encapsulated with predetermined encapsulation format;Deciphering module, for that will pass through The Email of encryption is decrypted;And check module, for checking the Email by decryption;Firewall module, tissue are appointed What potential intrusion bogusware.
As present invention further optimization mode, the fund computing device includes memory, touch screen, central processing Device, instruction Transmit-Receive Unit, instruction sending unit, intelligent timing unit and electric energy expend numerical value unit;The memory, for depositing Store up each operation information record, instruction encoding information bank, instruction transmission record, power consumption counting and power consumption timing;It is described Touch screen is used to receive the operational order instruction of user's input, receives key interface information, display button interface, and receive user The operational order inputted by key interface, sends central processing unit to;The central processing unit receives and sends for handling Signal, and integrally control wireless charging;Described instruction Transmit-Receive Unit is with signal is received, and described instruction transmission unit is for sending control It makes signal to wireless launcher and radio energy reception device, the intelligent timing unit and the electric energy opened and expends numerical value list First whole record charging energy consumption and time, and transmit data value storage device and stored.
As present invention further optimization mode, specific implementation method include it is as follows,
A constructs unified payment two dimensional code first, and designs unified channel of disbursement, and design corresponding Unified Network, complete At the hardware foundation requirement of cross-border payment;
B, after completing ad hoc network, using the long-range cloud service background system center of password and assistant authentification information registration, By completing to log in after the certification at cloud service background system center, by all payment regions in ad hoc network, wireless mobile is realized Collaboration, the coordinated operation control of payment;
C builds Network Security Centre and cloud service background system center, guarantees the safety of mobile payment;
D, user use payment terminal device, are then used cooperatively two-dimension code recognition device, complete payment, utilize fund meter It calculates device and cross-border transferring device checks fund information, and store for a long time, i.e. completion mobile payment.
The cross-border mobile payment platform of the invention patent unitary construction passes through the unified payment terminal device of design and two Code recognition device will overseas pay and be managed collectively, and funds data is carried out unified storage, be convenient for checking, simultaneously It is added to Network Security Centre and cross-border transferring device, has ensured the safety of fund, it is functional stronger.
Detailed description of the invention
Fig. 1: the simple schematic diagram of the principle of the present invention frame.
Specific embodiment
Below in conjunction in the embodiment of the present invention, technical solution in the embodiment of the present invention is clearly and completely retouched It states, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on the present invention In embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall within the protection scope of the present invention.
Referring to Fig. 1, the present invention provides a kind of technical solution: a kind of cross-border electric business internet finance method of mobile payment, It is taken including payment terminal device, two-dimension code recognition device, fund computing device, cross-border transferring device, Network Security Centre and cloud Business background system center, the two-dimension code recognition device carry out branch of transferring accounts by the two dimensional code offer barcode scanning identification for designing unified It pays, the fund computing device carries out long-term storage and be made into voucher by carrying out unified record to the fund of payment and income; The cross-border transferring device includes providing convenient cross-border network channel and the cross-border unified Unionpay's service system of offer;The network peace Full center integrally provides network security, and dangerous software is avoided to invade, and provides general safety maintenance;In the cloud service background system The heart is set as artificial background operating system.
The payment terminal device is set as can provide the mobile phone of payment function or electronic product, the payment terminal device Inside includes search module, order module, delivery module, supervision module and server, described search module, order module, friendship Module, supervision module is paid connect with the server respectively and pass through the information exchange between server progress, described search Module sends the information for meeting search condition to the administration module, and the delivery module is used for reimbursement of expense and clearing.
The Network Security Centre, including monitoring modular, processing module, deciphering module, check module and firewall module, For carrying out safety monitoring to received Email;Processing module, being used for will be described E-mail enciphered, and, with Predetermined encapsulation format encapsulates the Email;Deciphering module, the Email for that will pass through encryption are decrypted;And check mould Block, for checking the Email by decryption;Firewall module organizes any potential intrusion bogusware.
The fund computing device includes memory, touch screen, central processing unit, instruction Transmit-Receive Unit, instruction transmission list Member, intelligent timing unit and electric energy expend numerical value unit;The memory, for storing each operation information record, instruction encoding Information bank, instruction send record, power consumption counting and power consumption timing;The touch screen is used to receive the behaviour of user's input Make instruction instruction, receives key interface information, display button interface, and receive user and refer to by the operation that key interface inputs It enables, sends central processing unit to;The central processing unit for handling receiving and sending signal, and integrally controls wireless charging; Described instruction Transmit-Receive Unit is used to send signal to the wireless transmission that control is opened and is filled with signal, described instruction transmission unit is received Set with radio energy reception device, the intelligent timing unit and electric energy expend numerical value unit integrally record charging consume energy and when Between, and transmit data value storage device and stored.
Specific implementation method include it is as follows,
A constructs unified payment two dimensional code first, and designs unified channel of disbursement, and design corresponding Unified Network, complete At the hardware foundation requirement of cross-border payment;
B, after completing ad hoc network, using the long-range cloud service background system center of password and assistant authentification information registration, By completing to log in after the certification at cloud service background system center, by all payment regions in ad hoc network, wireless mobile is realized Collaboration, the coordinated operation control of payment;
C builds Network Security Centre and cloud service background system center, guarantees the safety of mobile payment;
D, user use payment terminal device, are then used cooperatively two-dimension code recognition device, complete payment, utilize fund meter It calculates device and cross-border transferring device checks fund information, and store for a long time, i.e. completion mobile payment.
Method of payment parameter table of the present invention is as follows: table 1
Conventional payment methods parameter table is as follows: table 2
.It is more excellent to will become apparent from method of the invention by Tables 1 and 2.
To sum up, the cross-border mobile payment platform of the invention patent unitary construction passes through the unified payment terminal device of design With two code recognition devices, it will overseas pay and be managed collectively, and funds data is subjected to unified storage, and be convenient for core It is right, while it being added to Network Security Centre and cross-border transferring device, ensure the safety of fund, it is functional stronger.
The above shows and describes the basic principles and main features of the present invention and the advantages of the present invention, for this field skill For art personnel, it is clear that invention is not limited to the details of the above exemplary embodiments, and without departing substantially from spirit of the invention or In the case where essential characteristic, the present invention can be realized in other specific forms.Therefore, in all respects, should all incite somebody to action Embodiment regards exemplary as, and is non-limiting, the scope of the present invention by appended claims rather than on state Bright restriction, it is intended that including all changes that fall within the meaning and scope of the equivalent elements of the claims in the present invention It is interior.
In addition, it should be understood that although this specification is described in terms of embodiments, but not each embodiment is only wrapped Containing an independent technical solution, this description of the specification is merely for the sake of clarity, and those skilled in the art should It considers the specification as a whole, the technical solutions in the various embodiments may also be suitably combined, forms those skilled in the art The other embodiments being understood that.

Claims (5)

1. a kind of cross-border electric business internet finance method of mobile payment, including payment terminal device, two-dimension code recognition device, fund Computing device, cross-border transferring device, Network Security Centre and cloud service background system center, it is characterised in that: the two dimensional code Identification device provides barcode scanning identification by designing unified two dimensional code and carries out payment by the transfer of accounts, the fund computing device by pair The fund of payment and income carries out unified record, and carries out long-term storage and be made into voucher;The cross-border transferring device includes providing Convenient cross-border network channel and the cross-border unified Unionpay's service system of offer;The Network Security Centre integrally provides network security, It avoids dangerous software from invading, general safety maintenance is provided;Cloud service background system center is set as artificial background operating system.
2. a kind of cross-border electric business internet finance method of mobile payment according to claim 1, which is characterized in that the branch It pays terminal installation to be set as can provide the mobile phone of payment function or electronic product, the inside of the payment terminal device includes search mould Block, order module, delivery module, supervision module and server, described search module, order module, delivery module, supervision module Connect respectively with the server and pass through the server carry out between information exchange, described search module is to the supervision mould Block sends the information for meeting search condition, and the delivery module is used for reimbursement of expense and clearing.
3. a kind of cross-border electric business internet finance method of mobile payment according to claim 1, which is characterized in that the net Network security centre, including monitoring modular, processing module, deciphering module, check module and firewall module, for received Email carry out safety monitoring;Processing module, being used for will be described E-mail enciphered, and, with predetermined encapsulation format envelope Fill the Email;Deciphering module, the Email for that will pass through encryption are decrypted;And check module, for check through Cross the Email of decryption;Firewall module organizes any potential intrusion bogusware.
4. a kind of cross-border electric business internet finance method of mobile payment according to claim 1, which is characterized in that the money Golden computing device includes memory, touch screen, central processing unit, instruction Transmit-Receive Unit, instruction sending unit, intelligent timing unit Numerical value unit is expended with electric energy;The memory, for storing each operation information record, instruction encoding information bank, instruction transmission Record, power consumption counts and power consumption timing;The touch screen is used to receive the operational order instruction of user's input, receives Key interface information, display button interface, and the operational order that user is inputted by key interface is received, send central processing to Device;The central processing unit for handling receiving and sending signal, and integrally controls wireless charging;Described instruction Transmit-Receive Unit With signal is received, described instruction transmission unit is used to send signal to the wireless launcher and radio energy that control is opened and receives Device, the intelligent timing unit and electric energy expend numerical value unit and integrally record charging energy consumption and time, and transmit data value and deposit Reservoir is stored.
5. a kind of cross-border electric business internet finance method of mobile payment according to claim 1, which is characterized in that specific real Applying method include it is as follows,
A constructs unified payment two dimensional code first, and designs unified channel of disbursement, and design corresponding Unified Network, complete across The hardware foundation requirement of border payment;
B, using the long-range cloud service background system center of password and assistant authentification information registration, is passing through after completing ad hoc network It completes to log in after the certification at cloud service background system center, by all payment regions in ad hoc network, realizes wireless mobile payment Collaboration, coordinated operation control;
C builds Network Security Centre and cloud service background system center, guarantees the safety of mobile payment;
D, user use payment terminal device, are then used cooperatively two-dimension code recognition device, complete payment, are calculated and are filled using fund It sets and fund information is checked with cross-border transferring device, and store for a long time, i.e. completion mobile payment.
CN201910475684.3A 2019-06-03 2019-06-03 A kind of cross-border electric business internet finance method of mobile payment Pending CN110197376A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111327675A (en) * 2020-01-19 2020-06-23 支付宝实验室(新加坡)有限公司 Session establishment method, cross-border payment method, device and system
CN112633872A (en) * 2020-11-20 2021-04-09 建信金融科技有限责任公司 Overseas aggregated two-dimensional code payment method, device, server and storage medium
CN112861033A (en) * 2021-02-04 2021-05-28 北京三快在线科技有限公司 Method and device for executing service

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TWI642007B (en) * 2017-07-27 2018-11-21 財金資訊股份有限公司 2D barcode scanning code transfer system
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CN103729760A (en) * 2012-10-16 2014-04-16 中国银联股份有限公司 On-line payment method and system
CN105023149A (en) * 2015-04-03 2015-11-04 深圳市淘淘谷信息技术有限公司 Method for realizing off-line cashing diversified settlement and payment management, and payment management system
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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111327675A (en) * 2020-01-19 2020-06-23 支付宝实验室(新加坡)有限公司 Session establishment method, cross-border payment method, device and system
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CN112633872A (en) * 2020-11-20 2021-04-09 建信金融科技有限责任公司 Overseas aggregated two-dimensional code payment method, device, server and storage medium
CN112861033A (en) * 2021-02-04 2021-05-28 北京三快在线科技有限公司 Method and device for executing service

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