CN110264181B - Mobile payment terminal, payment terminal seat charging and mobile payment system - Google Patents
Mobile payment terminal, payment terminal seat charging and mobile payment system Download PDFInfo
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- CN110264181B CN110264181B CN201910485546.3A CN201910485546A CN110264181B CN 110264181 B CN110264181 B CN 110264181B CN 201910485546 A CN201910485546 A CN 201910485546A CN 110264181 B CN110264181 B CN 110264181B
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3221—Access to banking information through 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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Abstract
The invention discloses a mobile payment terminal, a payment terminal seat charging and a mobile payment system, wherein the mobile payment terminal comprises: the payment system comprises an interface, a verification module, a display module, an input module, a payment code module, a voice module, a wireless communication module and a payment module. The payment terminal holder charger comprises a storage module and an interface. The mobile payment system comprises the mobile payment terminal and the payment terminal charger. The mobile payment terminal, the payment terminal seat charging system and the mobile payment system provided by the invention can simply, conveniently and safely use mobile payment.
Description
Technical Field
The invention relates to the field of mobile payment, in particular to a mobile payment terminal, a payment terminal seat charging system and a mobile payment system.
Background
The application range of mobile payment is wider and wider, and the payment treasures, WeChat and Unionpay wallets can be almost applied to any transaction places. However, various functions of the APP such as the payment treasure, the WeChat, the Unionpay wallet and the like are not in line with the use habits of all users, and even the situation of difficult use can occur for some users. For example, various kinds of existing intelligent devices use various kinds of APPs for mobile payment through downloading, and downloading, management and updating are difficult for the elderly. When the multifunctional mobile phone is used, the corresponding function interface of the APP is operated, money is input, passwords are input, the memory of the old is declined, the hand and eye functions are degraded, and the multifunctional mobile phone is not suitable for use. Moreover, many APP management settings can be directly operated without verifying information, and are not safe enough.
Disclosure of Invention
The embodiment of the invention provides a mobile payment terminal, which is used for simply, conveniently and safely using mobile payment and comprises:
the interface is used for acquiring identity information of a payment terminal charger connected with the mobile payment terminal;
the verification module is used for verifying the identity information;
the display module is used for displaying an administrator interface after the identity information passes the verification;
the input module is used for inputting the payment account information of the user in the administrator interface;
the payment code module is used for generating a payment code, and the generated payment code carries payment account information of the user; or, identifying the payment code, wherein the identified payment code carries the information of the collection account;
the display module is also used for displaying the payment code after the payment code module generates the payment code; and displaying the amount of money received and the information of the account;
the voice module is used for receiving payment confirmation voice information input by a user;
the wireless communication module is used for sending the payment confirmation voice information to the voiceprint server and receiving a voice verification result returned by the voiceprint server;
the payment module is used for initiating a payment request to the payment server and receiving a payment result returned by the payment server when the voice verification result is that the voice verification passes;
the display module is also used for displaying the payment result.
The embodiment of the invention also provides a payment terminal seat charger for simply, conveniently and safely using mobile payment, which comprises the following steps:
the storage module is used for storing the identity information of the payment terminal seat charging;
and the interface is used for providing the identity information of the payment terminal seat charge for the mobile payment terminal.
An embodiment of the present invention further provides a mobile payment system for simply, conveniently and safely using mobile payment, including: the mobile payment terminal and the payment terminal are charged.
According to the mobile payment terminal provided by the embodiment of the invention, the voice module can receive the payment confirmation voice information input by the user, the handwriting input is replaced, the convenience of information input is improved, and the operation is simple and convenient.
According to the mobile payment terminal provided by the embodiment of the invention, before the administrator interface is displayed, the identity information of the payment terminal charger connected with the mobile payment terminal needs to be verified, and the administrator interface is displayed after the identity information is verified, so that the safety of the management and the setting of the mobile payment terminal is greatly improved. And before a payment request is sent to the payment server, the payment confirmation voice message is sent to the voiceprint server for verification through the wireless communication module, and the safety of mobile payment is improved.
The payment terminal charger of the embodiment of the invention can be matched with a mobile payment terminal, and realizes simple, convenient and safe use of mobile payment.
In summary, the mobile payment terminal, the payment terminal cradle and the mobile payment system provided by the embodiment of the invention can simply, conveniently and safely enable the user to use mobile payment.
Drawings
Fig. 1 is a schematic diagram of a mobile payment terminal in an embodiment of the invention.
Fig. 2 is a diagram of a specific example of a mobile payment terminal in an embodiment of the present invention.
Fig. 3A is a diagram of a specific example of a mobile payment terminal in an embodiment of the present invention.
Fig. 3B is a diagram of a specific example of a mobile payment terminal in an embodiment of the present invention.
Fig. 4 is a diagram of a specific example of a mobile payment terminal in an embodiment of the present invention.
Fig. 5 is a schematic diagram of a payment terminal cradle in an embodiment of the invention.
Fig. 6 is a specific example diagram of a payment terminal cradle in an embodiment of the invention.
Fig. 7 is a diagram illustrating a process flow of mobile payment performed by a mobile payment terminal according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In order to solve the problems that various functions of the mobile payment APP are used and are not in line with the use habits of all users or even are difficult to use, and the APP management setting can be directly operated without verification information and is not safe enough, the embodiment of the invention provides a simple, convenient and safe mobile payment terminal, a payment terminal seat charging system and a mobile payment system.
Fig. 1 is a schematic diagram of a mobile payment terminal in an embodiment of the present invention, and as shown in fig. 1, the mobile payment terminal 100 includes:
an interface 101 for acquiring identity information of a payment terminal cradle connected to the mobile payment terminal 100;
the verification module 102 is used for verifying the identity information;
the display module 103 is used for displaying an administrator interface after the identity information passes the verification;
an input module 104 for inputting payment account information of a user at an administrator interface;
the payment code module 105 is used for generating a payment code, and the generated payment code carries payment account information of the user; or, identifying the payment code, wherein the identified payment code carries the information of the collection account;
the display module 103 is further configured to display the payment code after the payment code module 105 generates the payment code; and displaying the amount of money received and the information of the account;
the voice module 106 is used for receiving payment confirmation voice information input by the user;
the wireless communication module 107 is used for sending the payment confirmation voice message to the voiceprint server and receiving a voice verification result returned by the voiceprint server;
the payment module 108 is used for initiating a payment request to the payment server and receiving a payment result returned by the payment server when the voice verification result is that the voice verification passes;
the display module 103 is also used for displaying the payment result.
As can be seen from the structure shown in fig. 1, the voice module of the mobile payment terminal according to the embodiment of the present invention can receive the payment confirmation voice information entered by the user, replace the handwriting input, improve the convenience of information entry, and have simple and convenient operation. According to the mobile payment terminal provided by the embodiment of the invention, before the administrator interface is displayed, the identity information of the payment terminal charger connected with the mobile payment terminal needs to be verified, and the administrator interface is displayed after the identity information is verified, so that the safety of the management and the setting of the mobile payment terminal is greatly improved. And before a payment request is sent to the payment server, the payment confirmation voice message is sent to the voiceprint server for verification through the wireless communication module, and the safety of mobile payment is improved.
In specific implementation, the interface may be a wired interface or a wireless interface, the wired interface may be, for example, a USB interface, and the wireless interface may be, for example, an electromagnetic induction type wireless charging interface, a bluetooth interface, and the like, and the mobile payment terminal may be charged or data information may be transmitted through the interface. The identity information of the payment terminal seat charge can be factory id of the payment terminal seat charge or other preset information.
The verification module can prestore identity information of a payment terminal seat charge. For example, after the interface acquires the identity information of the payment terminal cradle, the verification module may compare the identity information with the pre-stored identity information of the payment terminal cradle, and if the identity information is the same, the verification is passed, and if the identity information is not the same, the verification is not passed.
The display module may be, for example, an LCD screen or an OLED screen, etc.
The input module may be, for example, a keyboard, a touch screen, etc., for the user to input the user's payment account information. In an embodiment, the payment account information of the user may include information such as a mobile payment account number of the user.
The payment code module can be used for generating a payment code, wherein the generated payment code can be a two-dimensional code or a bar code and the like.
The display module may include an amount input interface for inputting amount information when displaying the amount to be collected and the information of the collection account, and the user may input the amount information in a voice manner through the voice module when inputting the amount information.
The payment confirmation voice information input by the user and received by the voice module can be, for example, the voice information such as "confirmation", "pair" and the like, the amount or other voice information preset by the user.
The wireless communication module may have a wireless communication function of 2G, 3G, 4G, or 5G, for example.
The payment module can initiate a payment request to the payment server and receive a payment result returned by the payment server when the voice verification result is that the voice verification is passed. The payment server may be, for example, a server of a mobile payment account facilitator, and stores a mobile payment account of the user.
In one embodiment, in order to improve the security of voice entry, the voice module may be further configured to enter voiceprint registration information on an administrator interface; the wireless communication module can also be used for sending the voiceprint registration information to the voiceprint server and receiving a voiceprint registration information registration result returned by the voiceprint server; the display module can also be used for displaying the registration result of the voiceprint registration information.
In an embodiment, the display module may display a segment of text, the user reads the text aloud, and the voice module receives voice information of the user reading the text aloud, where the voice information of the user reading the text aloud is voiceprint registration information. The wireless communication module sends voice information of words read aloud by the user to the voiceprint server, receives a voiceprint registration information registration result returned by the voiceprint server, and the display module displays the voiceprint registration information registration result.
In an embodiment, to improve the accuracy of voice recognition, the voiceprint registration information may be entered multiple times. For example, the voiceprint information can be registered again through the administrator interface, the user reads characters displayed by the display module aloud, the voiceprint registration information input by the user is sent to the voiceprint server again, the voiceprint server receives the voiceprint registration information input by the user again for voiceprint training, the legality of the user can be judged more accurately in the subsequent implementation process through the training, and information such as the amount input by the user through voice can be recognized accurately.
The voice input function of the voice module in the embodiment can facilitate users to replace handwriting input, improve the convenience of information input, and is simple to operate, and more convenient for people with degraded hand-eye functions to use, such as the elderly.
In the embodiment, in order to improve the convenience of recharging of the mobile payment terminal, the input module can be further used for inputting recharging account information of the user and a recharging account password of the user on an administrator interface; the interface can also be used for sending the recharging account information of the user to the payment terminal seat charger; the wireless communication module can also be used for sending the recharging account information of the user and the recharging account password of the user to the bank server, initiating a recharging authorization request to the bank server and receiving a recharging authorization result returned by the bank server; the display module can also be used for displaying the recharging authorization result.
In an embodiment, the recharging account information of the user input by the input module in the administrator interface may include, for example, bank card information, a default recharging amount, and the like. The default recharging amount can be set to a small amount, for example, an amount not exceeding 1000 yuan, or an amount preset by a user, so that the risk of money loss can be reduced.
The interface sends the recharging account information of the user to the payment terminal seat charger, for example, the recharging account information such as bank card information and default recharging amount input by the user on the administrator interface can be sent to the payment terminal seat charger and stored by the payment terminal seat charger. The mobile payment terminal does not store the information of the bank card, the default recharging amount and other recharging account information. Compared with the prior art, in the prior art, the APP of the intelligent device usually binds the bank card information, and the APP does not conform to the use habits of some users.
In an embodiment, the payment module may be further configured to initiate a recharge command for the payment account of the user at an administrator interface; the interface can also be used for acquiring the recharging account information of the user from the payment terminal seat charger according to the recharging command; the wireless communication module can also be used for sending the recharging account information of the user to the bank server, initiating a recharging instruction to the bank server and receiving a recharging result returned by the bank server; the display module can also be used for displaying the recharging result.
In an embodiment, the recharge command may be a recharge command carrying a default recharge amount, so as to quickly recharge the default recharge amount to the payment account of the user, and the recharge command may also be a recharge command carrying an amount input by the user, for example, in an embodiment, the user may input the recharge amount through the input module.
In one embodiment, the input module may be further configured to input emergency communication contact information at an administrator interface; the wireless communication module can also be used for initiating communication with the emergency communication contact person according to the information of the emergency communication contact person. In practice, the emergency communication contact information may be stored in the mobile payment terminal. The wireless communication module can communicate with the emergency communication contact person according to the information of the emergency communication contact person in emergency.
In an embodiment, after the setting of the administrator interface is completed, the mobile payment terminal may provide a daily transaction interface for the user to use. For some users with degraded hand-eye functions, the setting of the administrator interface can help the users to set through relatives, and the users only need to enter passwords and register voiceprints.
Fig. 2 is a specific example of a mobile payment terminal in an embodiment of the present invention, and as shown in fig. 2, in this embodiment, the mobile payment terminal 100 further includes a locking module 109, configured to lock the mobile payment terminal according to a received locking instruction. For example, the locking module 109 may lock the mobile payment terminal according to a locking instruction of the user payment account.
Fig. 3A and 3B are diagrams of a specific example of a mobile payment terminal in an embodiment of the present invention, in this example, the display module includes a screen 306; the payment code module comprises a two-dimensional code scanning button 302 and a two-dimensional code generating button 303; the payment module includes a payment confirmation/top-up button 304; the voice module includes a voice entry button 305. The mobile payment terminal 300 in this example further comprises a suspension means 301. The voice module further comprises a microphone 307 and the payment code module further comprises a camera 308.
The hanging means 301 may be threaded through a string for hanging the mobile payment terminal 300 on the chest of the user.
The payment code in this example is a two-dimensional code. The two-dimensional code scanning button 302 starts the camera 308 to shoot the two-dimensional code, and the two-dimensional code carries the payment account information.
The two-dimensional code generation button 303 is used for generating a payment code; the payment code is displayed on screen 306 for scanning by the merchant.
The payment confirmation/recharge button 304 is used to make payment confirmation or initiate a recharge command. The payment confirmation/recharge button 304 may perform payment confirmation when the mobile payment terminal is not connected to the payment terminal cradle, and the payment confirmation/recharge button 304 may start a recharge command when the mobile payment terminal is connected to the payment terminal cradle.
For example, when the mobile payment terminal enters an administrator interface after being connected with the payment terminal seat charger, and the payment confirmation/recharge button 304 is pressed, a recharge command is started, the interface reads recharge account information of the user, default recharge amount and other recharge account information from the payment terminal seat charger according to the recharge command, the wireless communication module sends the recharge account information to the bank server, and the bank server completes recharging of the default recharge amount to the payment account of the user. When the mobile payment terminal is not connected with the payment terminal, the user presses the payment confirmation/recharge button 304 to send a payment request to the payment server, receives a payment result returned by the payment server and completes payment confirmation. For example, when the user goes out to use the mobile payment terminal, after the amount information and the receiving account information on the screen 306 are checked, the payment confirmation/recharge button 304 is pressed to send the payment account information and the default payment password of the user to the payment server, and after the payment server deducts the payment account of the user and transfers the money to the receiving account, the payment server returns the payment result to the mobile payment terminal, thereby completing the payment confirmation. Wherein, the default payment password may be set to "1", for example, and the default payment password may be stored in the mobile payment terminal.
In an embodiment, a user presses the voice input button 305 for a short time to start voice input, the wireless communication module uploads voice information to the voiceprint server, and the voiceprint server judges the legality of the user and identifies the amount of money input by voice. In an embodiment, a long press of the voice entry button 305 by the user may control the wireless communication module to initiate communication with the emergency communication contact. Wherein the short press is for example 1 second and the long press is for example more than 2 seconds.
In a specific implementation, the positions of the two-dimensional code scanning button 302, the two-dimensional code generation button 303, the payment confirmation/recharge button 304 and the voice entry button 305 are not limited by this embodiment, for example, the four buttons may be disposed on the same side of the screen 306, or three of the buttons may be disposed on the same side of the screen 306, and the other button is disposed on the other side of the screen 306.
The screen 306 may be used to display information such as an administrator interface, a payment code, a collection amount, collection account information, or payment results.
The camera 308 may be used to photograph the payment code, and the camera 308 may be replaced by other devices, such as a two-dimensional code scanner or other reading device.
In a specific implementation, the positions of the microphone 307 and the camera 308 may be set not only at the bottom end of the mobile payment terminal as shown in fig. 3B, but also at the upper end or at other positions.
Fig. 4 is a specific example of a mobile payment terminal in an embodiment of the present invention, in this example, the interface includes a USB interface 401, the display module includes a display screen 410, the voice module includes a microphone 404, the wireless communication module includes an antenna 403, at least one of the two-dimensional code scanning button 302, the two-dimensional code generation button 303, the payment confirmation/recharge button 304, and the voice entry button 305 is a button 402, and the payment code module includes a camera 405. As shown in fig. 4, the mobile payment terminal 400 may further include: ROM 406, RAM 407, rechargeable battery 408, Sim card slot 409 and CPU 411.
The ROM 406, the RAM 407 and the CPU 411 constitute a data processing center for processing data operations generated in the payment process.
The Sim card slot 409 is used for inserting a Sim card, so that the mobile payment terminal of the present example is connected to a network provided by a Sim card operator.
The rechargeable battery 408 is used for providing electric power support for the mobile payment terminal of the present example, and when the mobile payment terminal is connected with the payment terminal holder, the payment terminal holder charges to charge the rechargeable battery 408; the rechargeable battery 408 is used to provide power support for the mobile payment terminal when the mobile payment terminal is not connected to the payment terminal cradle.
An embodiment of the present invention further provides a payment terminal charger, fig. 5 is a schematic diagram of the payment terminal charger in the embodiment of the present invention, and as shown in fig. 5, the payment terminal charger 500 includes a storage module 501, configured to store identity information of the payment terminal charger 500; an interface 502 for providing the identity information of the payment terminal cradle 500 to the mobile payment terminal.
In specific implementation, when a mobile payment terminal is connected to the payment terminal cradle 500, the payment terminal cradle 500 provides the identity information stored in the storage module 501 to the mobile payment terminal through the interface 502.
In an embodiment, the interface 502 of the payment terminal cradle 500 is further configured to receive the recharging account information of the user sent by the mobile payment terminal; the storage module 501 is further configured to store the recharge account information of the user.
In this embodiment, the interface 502 of the payment terminal cradle 500 is further configured to receive a recharge command sent by the mobile payment terminal, obtain recharge account information of the user from the storage module 501 according to the recharge command, and send the recharge account information of the user to the mobile payment terminal.
In the embodiment, when the mobile payment terminal is connected with the payment terminal seat charger and is ready for charging, the mobile payment terminal sends a charging command to the payment terminal seat charger through the interface, and after the payment terminal seat charger receives the charging command through the interface, the charging account information of the user is acquired from the storage module according to the charging command, and the charging account information of the user is sent to the mobile payment terminal.
In another embodiment, the payment terminal cradle may further include an encryption module for encrypting information stored in the storage module. In specific implementation, the recharging account information and the identity information of the user can be encrypted and then stored. The encryption module may encrypt the information stored in the storage module by using an encryption method such as RSA, AES, and DES, for example. The information stored in the storage module is encrypted, so that the safety performance of the seat charging of the payment terminal can be further improved, and the harm caused by data leakage is prevented. Correspondingly, the mobile payment terminal used in connection with the payment terminal holder charger may further include a decryption module configured to decrypt information stored in the encrypted storage module acquired from the payment terminal holder charger.
In the embodiment, the payment terminal seat charger can be generally placed in a user home, the payment terminal seat charger stores identity information and charging account information of the user, such as a charging bank card number, and the potential safety hazard that the charging bank card number is leaked by a mobile payment terminal carried outside can be eliminated.
Fig. 6 is a specific example diagram of a payment terminal cradle in an embodiment of the invention. In this example, the memory module includes a memory chip 603 and the interface includes a card slot 604. As shown in fig. 6, the payment terminal cradle 600 may further include: a backrest 601, a circuit board 602, a base 605, a data and charging cable 606.
In particular implementation, the backrest 601 is used to provide support for the mobile payment terminal.
The circuit board 602 may be, for example, a PCB printed wiring board for connecting and communicating with the memory chip 603, the card slot 604, the data and charging lines 606.
The memory chip 603 is used for storing the identity information of the payment terminal seat charge and also storing the recharging account information of the user sent by the mobile payment terminal.
The card slot 604 is used for the mobile payment terminal to be plugged in for charging or recharging. Card slot 604 is, for example, a USB interface.
The payment terminal cradle may be designed with a low center of gravity, for example, the base 605 may be made of a heavy material and the backrest 601 may be made of a light material, so that the stability of the payment terminal cradle may be increased when the payment terminal cradle is connected to the mobile payment terminal.
And a data and charging line 606 for obtaining electric energy to charge the connected mobile payment terminal. The data and charging wire is, for example, a detachable wire with a USB interface at one end and a USB-TYPE-C interface at the other end, and can be universally used for other payment terminal seat charging or mobile payment terminals.
The embodiment of the invention also provides a mobile payment system which comprises any one of the mobile payment terminals and any one of the payment terminal charger seats and is used for simply, conveniently and safely using mobile payment.
The following describes in detail the usage flow of the mobile payment terminal in conjunction with a specific example, and fig. 7 is an exemplary diagram of the usage flow of the mobile payment terminal for mobile payment according to an embodiment of the present invention. The process of completing the mobile payment by using the mobile payment terminal in this example may include:
At step 702, a user may select to scan or be scanned for mobile payment.
Specifically, when the user selects to scan the code to use the mobile payment terminal, the following steps may be performed:
And step 707, displaying an amount input interface on the screen, wherein the amount input interface can simultaneously display the merchant collection account information and the collection amount.
And 709, sending the voice input amount in the step 708 to a voiceprint server, verifying whether the user is a registered user or not by the voiceprint server through verifying the voice input amount, and executing the step 710 if the verification is passed. If the verification fails, step 712 is performed.
And step 710, displaying the voice input amount on a screen of the mobile payment terminal.
In step 711, the user presses the payment ok/recharge button to complete the payment.
Specifically, when the user selects the scanned code to use the mobile payment terminal in step 702, the following steps may be performed:
in step 703, the user presses the two-dimensional code generation button to generate a payment code.
In step 705, the mobile payment terminal presents the payment code on the screen.
At step 706, the merchant scans the payment code displayed on the screen of the mobile payment terminal.
After the merchant scans the payment code displayed on the screen of the mobile payment terminal, the above steps 707 to 712 are performed.
The voice module of the mobile payment terminal provided by the embodiment of the invention can receive the payment confirmation voice information input by the user, replaces handwriting input, improves the convenience of information input, is simple and convenient to operate, and solves the problems that in the prior art, the use of various functions of the mobile payment APP does not conform to the use habits of all users, and even the use of the mobile payment APP is difficult for some users. The mobile payment terminal in the embodiment of the invention is also convenient for the old with degraded hand-eye function to use.
Aiming at the problem that many APP management settings can be operated without verification information and are not safe enough, the mobile payment terminal provided by the embodiment of the invention needs to verify the identity information of the payment terminal charger connected with the mobile payment terminal before displaying the administrator interface, and the administrator interface is displayed after the identity information verification is passed, so that the safety of the management settings of the mobile payment terminal is greatly improved. And before a payment request is sent to the payment server, the payment confirmation voice message is sent to the voiceprint server for verification through the wireless communication module, and the safety of mobile payment is improved.
The mobile payment terminal also has a locking function, and can be locked remotely when the mobile payment terminal is lost, so that the mobile payment terminal cannot be used continuously, and the safety of the mobile payment terminal is improved.
The payment terminal seat provided by the embodiment of the invention is generally placed at home, the recharging account information of the user is stored, for example, the bank card information is stored, the mobile payment terminal can not store the bank card information, and the potential safety hazard that the mobile payment terminal reveals the bank card information is eliminated.
In summary, the mobile payment terminal, the payment terminal cradle and the mobile payment system provided by the embodiment of the invention can simply, conveniently and safely enable the user to use mobile payment.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (7)
1. A mobile payment system, comprising: the mobile payment terminal and the payment terminal charger are installed; wherein the content of the first and second substances,
the mobile payment terminal includes:
the interface is used for acquiring identity information of a payment terminal charger connected with the mobile payment terminal; the mobile payment terminal does not store bank card information;
the verification module is used for verifying the identity information;
the display module is used for displaying an administrator interface after the identity information passes the verification;
the input module is used for inputting the payment account information of the user in the administrator interface;
the payment code module is used for generating a payment code, and the generated payment code carries payment account information of the user; or, identifying the payment code, wherein the identified payment code carries the information of the collection account;
the display module is also used for displaying the payment code after the payment code module generates the payment code; and displaying the amount of money received and the information of the account;
the voice module is used for receiving payment confirmation voice information input by a user;
the wireless communication module is used for sending the payment confirmation voice information to the voiceprint server and receiving a voice verification result returned by the voiceprint server;
the payment module is used for initiating a payment request to the payment server and receiving a payment result returned by the payment server when the voice verification result is that the voice verification passes;
the display module is also used for displaying the payment result;
the payment terminal seat charging comprises:
the interface is used for receiving recharging account information of the user sent by the mobile payment terminal;
the storage module is used for storing the identity information and the recharging account information of the payment terminal seat recharging;
the interface is used for providing identity information of the payment terminal seat charge for the mobile payment terminal;
and the interface is also used for receiving a recharging command sent by the mobile payment terminal, acquiring recharging account information of the user from the storage module according to the recharging command, and sending the recharging account information of the user to the mobile payment terminal.
2. A mobile payment system as recited in claim 1, wherein:
the voice module is also used for recording voiceprint registration information on an administrator interface;
the wireless communication module is also used for sending the voiceprint registration information to the voiceprint server and receiving a voiceprint registration information registration result returned by the voiceprint server;
and the display module is also used for displaying the registration result of the voiceprint registration information.
3. A mobile payment system as recited in claim 1, wherein:
the input module is also used for inputting the recharging account information of the user and the recharging account password of the user on the administrator interface;
the interface of the mobile payment terminal is also used for sending the recharging account information of the user to the payment terminal seat charger;
the wireless communication module is also used for sending the recharging account information of the user and the recharging account password of the user to the bank server, initiating a recharging authorization request to the bank server and receiving a recharging authorization result returned by the bank server;
and the display module is also used for displaying the recharging authorization result.
4. A mobile payment system as recited in claim 3, wherein:
the payment module is also used for starting a recharging command on the payment account of the user in an administrator interface;
the interface is also used for acquiring the recharging account information of the user from the payment terminal seat charger according to the recharging command;
the wireless communication module is also used for sending the recharging account information of the user to the bank server, initiating a recharging instruction to the bank server and receiving a recharging result returned by the bank server;
and the display module is also used for displaying the recharging result.
5. A mobile payment system as recited in claim 1, wherein:
the input module is also used for inputting the information of the emergency communication contact person on the administrator interface;
and the wireless communication module is also used for initiating communication with the emergency communication contact person according to the information of the emergency communication contact person.
6. The mobile payment system of any one of claims 1 to 5, wherein the mobile payment terminal further comprises a locking module for locking the mobile payment terminal according to the received locking instruction.
7. The mobile payment system of claim 1, wherein the payment terminal cradle further comprises an encryption module for encrypting information stored by the storage module.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910485546.3A CN110264181B (en) | 2019-06-05 | 2019-06-05 | Mobile payment terminal, payment terminal seat charging and mobile payment system |
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| CN201910485546.3A CN110264181B (en) | 2019-06-05 | 2019-06-05 | Mobile payment terminal, payment terminal seat charging and mobile payment system |
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| CN110264181A CN110264181A (en) | 2019-09-20 |
| CN110264181B true CN110264181B (en) | 2021-08-27 |
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| US7946480B2 (en) * | 1998-04-17 | 2011-05-24 | Diebold Self-Service Systems, Division Of Diebold, Incorporated | Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone |
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| CN106104604A (en) * | 2015-02-20 | 2016-11-09 | 三星支付有限公司 | Separable electronic payment devices |
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| CN110264181A (en) | 2019-09-20 |
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