CN110414969A - Method of mobile payment and system - Google Patents
Method of mobile payment and system Download PDFInfo
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- CN110414969A CN110414969A CN201810390854.3A CN201810390854A CN110414969A CN 110414969 A CN110414969 A CN 110414969A CN 201810390854 A CN201810390854 A CN 201810390854A CN 110414969 A CN110414969 A CN 110414969A
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- Prior art keywords
- terminal
- mobile terminal
- sales terminal
- mobile
- sales
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
Abstract
The invention discloses a kind of method of mobile payment and systems.Wherein, the method for mobile payment includes: mobile terminal in server registration identity information；Sales terminal sends broadcast, and the mobile terminal speculates that user is intended to the presence or absence of shopping after receiving broadcast, if user has shopping and is intended to, responds the sales terminal；For the sales terminal to the identity information of mobile terminal described in the server requests authentication after the response for receiving the mobile terminal, verification result is fed back to the sales terminal by the server；The mobile terminal is completed to pay after user does shopping to the sales terminal.In the present invention, mobile terminal is intended to the broadcast sent from main response sales terminal by speculating that user has shopping, to realize identification of the sales terminal to mobile terminal.In the process, user is not necessarily to any operation, saves the time, reduces the operation complexity of user, facilitates the agility and ease for use that promote mobile payment, meets higher requirement.
Description
Technical field
The invention belongs to mobile payment field more particularly to a kind of method of mobile payment and systems.
Background technique
Mobile payment has become the common means of payment in people's daily life.At this stage, in traditional means of payment,
The identity of the user of purchase commodity is confirmed firstly the need of trade company, then trade company withholds from the account of user, completes payment.
When trade company confirms the identity of the user of purchase commodity, it is by the way of mainly: from user's active in trade company
The identity of oneself is reported, e.g., user believes the identity of oneself by scanning the two dimensional code of businessman or sending the modes such as short message to businessman
Breath is reported to trade company or user and shows the two dimensional code of oneself to businessman for trade company's scanning, etc..Which kind of either above-mentioned master
The dynamic mode for reporting oneself identity, requires user and is operated first, and expend the regular hour, influence payment agility and
Ease for use.
With the rise of intelligent vending machine and unmanned supermarket, the agility and ease for use of payment are become more and more important, and are passed
The mobile payment mode of system have in terms of the agility of payment and ease for use it is to be hoisted, to meet higher requirement.
Summary of the invention
The technical problem to be solved by the present invention is to actively report oneself to trade company from user in the prior art to overcome
Identity and influence the agility of payment and the defect of ease for use, a kind of method of mobile payment and system are provided.
The present invention is to solve above-mentioned technical problem by the following technical programs:
A kind of method of mobile payment, the method for mobile payment include:
Mobile terminal is in server registration identity information；
Sales terminal sends broadcast, and the mobile terminal speculates that user is intended to the presence or absence of shopping after receiving broadcast,
It is intended to if user has shopping, responds the sales terminal；
The sales terminal moves after the response for receiving the mobile terminal to described in the server requests authentication
Verification result is fed back to the sales terminal by the identity information of terminal, the server；
The mobile terminal is completed to pay after user does shopping to the sales terminal.
Preferably, speculating that user is intended to the presence or absence of shopping, comprising: calculate the mobile terminal and the sales terminal it
Between distance, judge whether the distance is less than preset distance threshold, if being less than, user exist shopping be intended to, if not small
In then there is no shopping to be intended to by user；
And/or the sales terminal screens also after the response for receiving more than two mobile terminals apart from nearest shifting
Dynamic terminal, and the identity information to the server requests authentication apart from nearest mobile terminal.
Preferably, the broadcast that the sales terminal is sent includes referring to received signal strength, the mobile terminal is being received
The distance between the mobile terminal and the sales terminal are calculated with reference to received signal strength by described after to broadcast.
Preferably, in the mobile terminal after the server registration identity information, the server is to the movement
Terminal sends authentication secret and saves the corresponding relationship between the authentication secret and the identity information of the mobile terminal；
Respond the sales terminal, comprising: Xiang Suoshu sales terminal sends the authentication secret；
To the identity information of mobile terminal described in the server requests authentication, comprising: the authentication secret to be sent to
The server；
The server verifies the identity information of the mobile terminal according to the authentication secret.
Preferably, the mobile terminal also judges whether the sales terminal is registered trade company after receiving broadcast,
If the sales terminal is registered trade company and user has shopping and is intended to, the sales terminal is responded；
Preferably, in the mobile terminal after the server registration identity information, the server is to the movement
Terminal sends registered merchant list, and the mobile terminal saves the registered merchant list；
The mobile terminal arranges after receiving broadcast, by the way that whether the sales terminal is recorded in the registered trade company
Judge whether the sales terminal is registered trade company in table；
It is further preferred that the registered merchant list includes the ID of all registered trade companies, the sales terminal hair
The broadcast sent includes the ID of the sales terminal；
Whether be recorded in the registered merchant list by the sales terminal judge the sales terminal whether be
Registered trade company, comprising: judge whether the ID of the sales terminal is recorded in the registered merchant list, if so, institute
Stating sales terminal is registered trade company, if it is not, the then non-registered trade company of the sales terminal；
And/or
The mobile terminal is completed to pay after user does shopping to the sales terminal, comprising:
The sales terminal sends commodity payment affirmation information, the commodity branch to the mobile terminal after user does shopping
Confirmation message is paid for asking the user whether confirmation payment for merchandise；
The acquisition for mobile terminal user confirms the instruction for paying the commodity and feeds back to the sales terminal；
Payment request is uploaded to the server by the sales terminal；
The server completes payment to the sales terminal and payment result is handed down to the mobile terminal and described
Sales terminal；
The sales terminal is confirmed whether to provide the commodity and feeds back to the server according to payment result.
A kind of mobile-payment system, the mobile-payment system include: mobile terminal, server and sales terminal；
The mobile terminal is used in the server registration identity information；
Sales terminal is for sending broadcast；
The mobile terminal is also used to speculate that user is intended to the presence or absence of shopping after receiving broadcast, if user has purchase
Object is intended to, then responds the sales terminal；
The sales terminal is also used to after the response for receiving the mobile terminal to the server requests authentication institute
State the identity information of mobile terminal；
The server is also used to feeding back to verification result into the sales terminal；
The mobile terminal is also used to complete to pay to the sales terminal after user does shopping.
Preferably, speculating that user is intended to the presence or absence of shopping, comprising: calculate the mobile terminal and the sales terminal it
Between distance, judge whether the distance is less than preset distance threshold, if being less than, user exist shopping be intended to, if not small
In then there is no shopping to be intended to by user；
And/or the sales terminal is also used to screen distance after the response for receiving more than two mobile terminals recently
Mobile terminal, and the identity information to the server requests authentication apart from nearest mobile terminal.
Preferably, the broadcast that the sales terminal is sent includes referring to received signal strength, the mobile terminal is also used to
After receiving broadcast by it is described calculate with reference to received signal strength between the mobile terminal and the sales terminal away from
From.
Preferably, the server is used in the mobile terminal after the server registration identity information, Xiang Suoshu
Mobile terminal sends authentication secret and saves the corresponding relationship between the authentication secret and the identity information of the mobile terminal；
Respond the sales terminal, comprising: Xiang Suoshu sales terminal sends the authentication secret；
To the identity information of mobile terminal described in the server requests authentication, comprising: the authentication secret to be sent to
Server；
The server is also used to verify the identity information of the mobile terminal according to the authentication secret.
Preferably, the mobile terminal is also used to judge whether the sales terminal is registered quotient after receiving broadcast
Family responds the sales terminal if the sales terminal is registered trade company and user has shopping and is intended to；
Preferably, in the mobile terminal after the server registration identity information, the server is also used to institute
It states mobile terminal and sends registered merchant list, the mobile terminal is also used to save the registered merchant list；
Whether the mobile terminal is also used to after receiving broadcast, be recorded in by the sales terminal described registered
Judge whether the sales terminal is registered trade company in merchant list；
It is further preferred that the registered merchant list includes the ID of all registered trade companies, the sales terminal hair
The broadcast sent includes the ID of the sales terminal；
Whether be recorded in the registered merchant list by the sales terminal judge the sales terminal whether be
Registered trade company, comprising: judge whether the ID of the sales terminal is recorded in the registered merchant list, if so, institute
Stating sales terminal is registered trade company, if it is not, the then non-registered trade company of the sales terminal；
And/or
The sales terminal is also used to send commodity payment affirmation information to the mobile terminal after user does shopping, described
Commodity payment affirmation information is for asking the user whether confirmation payment for merchandise；
The mobile terminal is also used to obtain user and confirms the instruction for paying the commodity and feed back to the sales terminal；
The sales terminal is also used to for payment request to be uploaded to the server；
The server is also used to complete to pay to the sales terminal and payment result is handed down to the mobile terminal
With the sales terminal；
The sales terminal is also used to be confirmed whether to provide according to payment result the commodity and feeds back to the server.
On the basis of common knowledge of the art, above-mentioned each optimum condition, can any combination to get each preferable reality of the present invention
Example.
The positive effect of the present invention is that: in the present invention, mobile terminal is intended to by speculating that user has shopping
The broadcast sent from main response sales terminal, to realize identification of the sales terminal to mobile terminal.In the process, user
Without any operation, the time is saved, reduces the operation complexity of user, helps to be promoted the agility of mobile payment and easy-to-use
Property, meet higher requirement.
Detailed description of the invention
Fig. 1 is the stage schematic diagram of the method for mobile payment of the embodiment of the present invention 1；
Fig. 2 is the first flow chart of method of mobile payment in the identification stage of the embodiment of the present invention 1；
Fig. 3 is second flow chart of the method for mobile payment in the identification stage of the embodiment of the present invention 1；
Fig. 4 is the third flow chart of method of mobile payment in the identification stage of the embodiment of the present invention 1；
Fig. 5 is a kind of flow chart of the method for mobile payment in transactional stage of the embodiment of the present invention 1；
Fig. 6 is the schematic block diagram of the mobile-payment system of the embodiment of the present invention 2.
Specific embodiment
The present invention is further illustrated below by the mode of embodiment, but does not therefore limit the present invention to the reality
It applies among a range.
Embodiment 1
The present embodiment provides a kind of method of mobile payment, relate to mobile terminal, server and sales terminal, pass through three
Payment scene is realized in interaction between person.Wherein, the mobile terminal is used mainly for consumption user, can be mobile phone, intelligence
Wrist-watch etc.；The server can be provided by trade company or third party, can specifically use Cloud Server；The sales terminal is main
It is used for trade company, can be the cash register of automatic vending machine or supermarket (especially unmanned supermarket).
As shown in Figure 1, the method for mobile payment can be mainly divided into three phases: the first stage is registration phase 10,
Second stage is the identification stage 20, and the phase III is transactional stage 30.
The registration phase 10 includes:
The mobile terminal is in the server registration identity information.This step mainly needs complete under the operation of user
At user need to only register once when using the method for mobile payment of the present embodiment for the first time, and certain user actively needs to infuse
Except in the case where the multiple login accounts of volume.
Specifically, the identity information may include the login account of user, the password for logging in the login account and institute
State payment account and the payment cipher etc. of login account binding.Stream of the mobile terminal in the server registration identity information
Journey can be with are as follows:
User is sent above-mentioned identity information by network (such as LTE network or other networks) using the mobile terminal
To the server；
The server completes following operation: the uniqueness (whether being registered) of the login account is verified,
Whether the password that verifying logs in the login account is effective, and whether the payment cipher for verifying the payment account is correct；
After above-mentioned verifying passes through, the server preserves above-mentioned identity information.
Certainly, the identity information and the process of registration are not limited thereto, and can also register the movement according to demand
Other identity informations of terminal use other register flow paths.
As shown in Fig. 2, the identification stage 20 includes:
Step 21, the sales terminal send broadcast.
Step 22, the mobile terminal speculate that user is intended to the presence or absence of shopping after receiving broadcast, if user exists
Shopping is intended to, and thens follow the steps 23, if there is no shopping to be intended to by user, the mobile terminal is not responding to the sales terminal.
Step 23, the mobile terminal respond the sales terminal.
Step 24, the sales terminal are after the response for receiving the mobile terminal to the server requests authentication institute
State the identity information of mobile terminal.
Verification result is fed back to the sales terminal by step 25, the server.
Wherein, thus it is speculated that user is intended to the presence or absence of shopping can be by judging whether user is real close to the sales terminal
It is existing.It is specific as shown in figure 3, step 22 may include: the mobile terminal calculated after receiving broadcast the mobile terminal with
The distance between described sales terminal, judges whether the distance is less than preset distance threshold, if being less than, illustrates that user deposits
It is intended in shopping, executes step 23, if being not less than, illustrating user, there is no shopping to be intended to, and the mobile terminal is not responding to institute
State sales terminal.
The distance between the mobile terminal and the sales terminal can be calculated by the broadcast received.Specifically,
Can be when sales terminal described in step 21 send and broadcast, it includes that reference receives signal that the broadcast that the sales terminal is sent, which is arranged,
Intensity, the mobile terminal after receiving broadcast by it is described with reference to received signal strength calculate the mobile terminal with it is described
The distance between sales terminal, wherein the broadcast signal strength that the mobile terminal receives is closer to described with reference to reception letter
Number intensity, then illustrate that the distance between the mobile terminal and the sales terminal are closer, conversely, the mobile terminal receives
Broadcast signal strength be more less than described with reference to received signal strength, then illustrate between the mobile terminal and the sales terminal
Distance it is remoter.Certainly the present invention is not limited thereto, equally can use range sensor or other technologies means calculate institute
State the distance between mobile terminal and the sales terminal.
In addition, due to the broadcast that the sales terminal is sent, as long as all mobile terminals in a certain range can connect
It receives, and in the mobile terminal for receiving broadcast, it may be simultaneously present more than two mobile terminals while deducing respective
There are buying intentions, such as more than two users to be lined up before the sales terminal by user, these mobile terminals can respond institute
State sales terminal.
It is described to sell goods in order to guarantee that transaction is orderly, the commodity of each user's purchase of differentiation, avoid mistake occur when continuation payment
Terminal can also first judge whether to receive other to before the identity information of one mobile terminal of server requests authentication
The response of mobile terminal needs to judge if the response for receiving more than two mobile terminals in total currently trade at first
Mobile terminal.A kind of preferable mode in the present embodiment are as follows: the sales terminal judges whether to receive more than two movements
The response of terminal, if so, screening is apart from nearest mobile terminal, i.e., using apart from nearest mobile terminal as trading at first
Mobile terminal, and the identity information to the server requests authentication apart from nearest mobile terminal.Wherein, the distance can be with
Calculated by the broadcast that receives, specific calculating process as previously mentioned, repeat no more, the mobile terminal calculate it is described away from
From rear, the distance is sent to the sales terminal when responding the sales terminal, the sales terminal is by comparing institute
There is the distance of the mobile terminal of response, select apart from nearest mobile terminal, and ignores the response of other mobile terminals.
In the present embodiment, the identity information for verifying the mobile terminal facilitates the sales terminal identification movement eventually
End, judges the obligation authority etc. of the mobile terminal.Specifically, the registration phase 10 may further include: in the shifting
After the server registration identity information, the server sends authentication secret to the mobile terminal and saves institute dynamic terminal
State the corresponding relationship between authentication secret and the identity information of the mobile terminal.
In the case, it when mobile terminal described in step 23 responds the sales terminal, can be sent out to the sales terminal
Send the authentication secret.In step 24, the sales terminal sends the authentication secret after receiving the authentication secret
To the server.The server verifies the identity information of the mobile terminal according to the authentication secret, and verification result can
With including but not limited to: whether the mobile terminal has an obligation authority, and it is good whether the mobile terminal pays credit, etc.
Deng.After the sales terminal receives the verification result, corresponding feedback can be made according to the verification result, such as tested
When demonstrate,proving result has obligation authority or the good mobile terminal payment credit for the mobile terminal, in the sales terminal
Welcome for prompt on screen or display window；It is that the mobile terminal does not have obligation authority or the shifting in verification result
When dynamic terminal payment credit is bad, prompt refusal user buys commodity etc. on the screen or display window of the sales terminal.
In addition, in order to guarantee the safety of user's shopping, prevent sales terminal from there is forgery or risk of fraud, the identity
Cognitive phase 20 can further include the step of safety for verifying the sales terminal, it may be assumed that the mobile terminal is connecing
Judge whether the sales terminal is registered trade company after receiving broadcast, if the sales terminal is registered trade company and user deposits
It is intended in shopping, then responds the sales terminal, otherwise, be not responding to the sales terminal.Specifically, the identification stage
20 can use process as shown in Figure 4:
Step 21, the sales terminal send broadcast.
Step 221, the mobile terminal judge whether the sales terminal is registered trade company after receiving broadcast, if
It is to then follow the steps 222, if it is not, being then not responding to the sales terminal.
Step 222, the mobile terminal speculate that user is intended to the presence or absence of shopping, if user has shopping and is intended to, hold
Row step 23, if there is no shopping to be intended to by user, the mobile terminal is not responding to the sales terminal.
Step 23, the mobile terminal respond the sales terminal.
Step 24, the sales terminal are after the response for receiving the mobile terminal to the server requests authentication institute
State the identity information of mobile terminal.
Verification result is fed back to the sales terminal by step 25, the server.
In order to judge whether the sales terminal is registered users, the registration phase 10 be may further include: In
For the mobile terminal after the server registration identity information, the server sends registered trade company to the mobile terminal
List, the mobile terminal save the registered merchant list.The registered merchant list record can be all registered
Trade company.
In the case, whether mobile terminal described in step 221 is recorded after receiving broadcast by the sales terminal
Judge whether the sales terminal is registered trade company in the registered merchant list.Wherein, registered trade company's column
Table may include the ID of all registered trade companies, and when sales terminal described in step 21 sends broadcast, the broadcast of transmission may include
The ID of the sales terminal；Step 221 judges whether the ID of the sales terminal is recorded in the registered merchant list, if
It is that then the sales terminal is registered trade company, if it is not, the then non-registered trade company of the sales terminal.
The transactional stage 30 includes:
The mobile terminal is completed to pay after user does shopping to the sales terminal.
It specifically can be as shown in Figure 5:
Step 31, the sales terminal send commodity payment affirmation information, institute to the mobile terminal after user does shopping
Commodity payment affirmation information is stated for asking the user whether confirmation payment for merchandise, may include the items list of purchase, need to pay
The amount of money etc..
Step 32, the acquisition for mobile terminal user confirm the instruction for paying the commodity and feed back to described sell goods end
End.
Payment request is uploaded to the server by step 33, the sales terminal.
Step 34, the server are completed to pay and payment result are handed down to the mobile terminal to the sales terminal
With the sales terminal.
Step 35, the sales terminal are confirmed whether to provide the commodity and feed back to the service according to payment result
Device.Wherein, the payment result may include paying successfully or payment failure, if paying successfully, the sales terminal is by commodity
It is issued to user, if payment failure, commodity are issued to user by the sales terminal refusal.
Wherein, step 31 and 32 can be realized by bluetooth.
Using the method for mobile payment of the present embodiment, user only need to select commodity, input validation payment in transactional stage 30
The instruction of the commodity, it is complete with mobile terminal, server and sales terminal in the identification stage 20 without other operations
At the identification of mobile terminal, user operation time is saved, reduces user's operation complexity, helps to promote mobile branch
The agility and ease for use paid, meet higher requirement.
Embodiment 2
The present embodiment provides a kind of mobile-payment systems.As shown in fig. 6, the mobile-payment system 40 includes: mobile whole
End 41, server 42 and sales terminal 43.Wherein, the mobile terminal 41 is used mainly for consumption user, can be mobile phone, intelligence
Energy wrist-watch etc.；The server 42 can be provided by trade company or third party, can specifically use Cloud Server；The sales terminal
43 use mainly for trade company, can be the cash register of automatic vending machine or supermarket (especially unmanned supermarket).
The mobile terminal 41 is used in the 42 enrollment status information of server.Specifically, the identity information can be with
Payment account and the payment of login account, the password for logging in the login account and login account binding including user
Password etc..
The sales terminal 43 is for sending broadcast.
The mobile terminal 41 is also used to speculate that user is intended to the presence or absence of shopping after receiving broadcast, if user exists
Shopping is intended to, then responds the sales terminal 43.
The sales terminal 43 is also used to request after the response for receiving the mobile terminal 41 to the server 42
Verify the identity information of the mobile terminal 41.
The server 42 is also used to feeding back to verification result into the sales terminal 43.
The mobile terminal 41 is also used to complete to pay to the sales terminal 43 after user does shopping.
Wherein, thus it is speculated that user is intended to the presence or absence of shopping, comprising: calculate the mobile terminal 41 and the sales terminal 43
The distance between, judge whether the distance is less than preset distance threshold, if being less than, user has shopping and is intended to, if not
It is less than, then there is no shopping to be intended to by user.
The distance between the mobile terminal 41 and the sales terminal 43 can be calculated by the broadcast received.Specifically
Ground, the broadcast that the sales terminal 43 is sent include referring to received signal strength, and the mobile terminal 41 is also used to receiving
The distance between the mobile terminal 41 and the sales terminal 43 are calculated with reference to received signal strength by described after broadcast.When
So the present invention is not limited thereto, equally can use range sensor or other technologies means calculate the mobile terminal 41 with
The distance between described sales terminal 43.
In addition, the sales terminal 43 can be also used for after the response for receiving more than two mobile terminals 41 screening away from
From nearest mobile terminal 41, and the identity information to 42 requests verification of server apart from nearest mobile terminal 41.Its
In, the distance can be calculated by the broadcast received, and specific calculating process is as previously mentioned, repeat no more, and the movement is eventually
The distance is sent to the sales terminal 43 when responding the sales terminal 43 after calculating the distance by end 41,
The sales terminal 43 is selected by comparing the distance of the mobile terminal 41 of all responses apart from nearest mobile terminal 41,
And ignore the response of other mobile terminals 41.
In the present embodiment, the server 42 can be also used for registering body in the server 42 in the mobile terminal 41
After part information, Xiang Suoshu mobile terminal 41 sends authentication secret and saves the identity of the authentication secret Yu the mobile terminal 41
Corresponding relationship between information；
Respond the sales terminal 43, comprising: Xiang Suoshu sales terminal 43 sends the authentication secret；
To the identity information of mobile terminal 41 described in 42 requests verification of server, comprising: send out the authentication secret
It send to server 42；
The server 42 is also used to verify the identity information of the mobile terminal 41 according to the authentication secret.
In addition, the mobile terminal 41 can be also used for judging whether the sales terminal 43 is after receiving broadcast
Enrolled merchant responds the sales terminal 43 if the sales terminal 43 is registered trade company and user has shopping and is intended to.
Specifically, in the mobile terminal 41 after the 42 enrollment status information of server, the server 42 is also used to described
Mobile terminal 41 sends registered merchant list, and the mobile terminal 41 is also used to save the registered merchant list；It is described
Mobile terminal 41 is also used to after receiving broadcast, whether is recorded in the registered merchant list by the sales terminal 43
It is middle to judge whether the sales terminal 43 is registered trade company.Wherein, the registered merchant list may include all having infused
The ID of volume trade company, the broadcast that the sales terminal 43 is sent include the ID of the sales terminal 43.Pass through the sales terminal 43
Whether it is recorded in the registered merchant list and judges whether the sales terminal 43 is registered trade company, comprising: judges institute
Whether the ID for stating sales terminal 43 is recorded in the registered merchant list, if so, the sales terminal 43 is registered
Trade company, if it is not, the then non-registered trade company of the sales terminal 43.
In order to complete to pay, the sales terminal 43 can be also used for sending after user does shopping to the mobile terminal 41
Commodity payment affirmation information, the commodity payment affirmation information is for asking the user whether confirmation payment for merchandise；
The mobile terminal 41 can be also used for obtaining the instruction of user's confirmation payment commodity and feed back to described sell
Goods terminal 43；
The sales terminal 43 can be also used for for payment request being uploaded to the server 42；
The server 42 can be also used for completing payment to the sales terminal 43 and be handed down to payment result described
Mobile terminal 41 and the sales terminal 43；
The sales terminal 43 is also used to be confirmed whether to provide according to payment result the commodity and feeds back to the service
Device 42, wherein the payment result may include paying successfully or paying failure, if paying successfully, the sales terminal 43 will
Commodity are issued to user, if payment failure, commodity are issued to user by the refusal of sales terminal 43.
Although specific embodiments of the present invention have been described above, it will be appreciated by those of skill in the art that these
It is merely illustrative of, protection scope of the present invention is defined by the appended claims.Those skilled in the art is not carrying on the back
Under the premise of from the principle and substance of the present invention, many changes and modifications may be made, but these are changed
Protection scope of the present invention is each fallen with modification.
Claims (10)
1. a kind of method of mobile payment, which is characterized in that the method for mobile payment includes:
Mobile terminal is in server registration identity information；
Sales terminal sends broadcast, and the mobile terminal speculates that user is intended to the presence or absence of shopping after receiving broadcast, if with
There is shopping and be intended in family, then respond the sales terminal；
The sales terminal is after the response for receiving the mobile terminal to mobile terminal described in the server requests authentication
Identity information, verification result feeds back to the sales terminal by the server；
The mobile terminal is completed to pay after user does shopping to the sales terminal.
2. method of mobile payment as described in claim 1, which is characterized in that speculate that user is intended to the presence or absence of shopping, comprising:
The distance between the mobile terminal and the sales terminal are calculated, judges whether the distance is less than preset distance threshold,
If being less than, there is shopping and be intended in user, if being not less than, there is no shopping to be intended to by user；
And/or the sales terminal screens distance nearest mobile end also after the response for receiving more than two mobile terminals
End, and the identity information to the server requests authentication apart from nearest mobile terminal.
3. method of mobile payment as claimed in claim 2, which is characterized in that the broadcast that the sales terminal is sent includes reference
Received signal strength, the mobile terminal calculate the movement eventually with reference to received signal strength by described after receiving broadcast
The distance between end and the sales terminal.
4. method of mobile payment as claimed in claim 1 or 2, which is characterized in that in the mobile terminal in the server
After enrollment status information, the server sends authentication secret to the mobile terminal and saves the authentication secret and the shifting
Corresponding relationship between the identity information of dynamic terminal；
Respond the sales terminal, comprising: Xiang Suoshu sales terminal sends the authentication secret；
To the identity information of mobile terminal described in the server requests authentication, comprising: be sent to the authentication secret described
Server；
The server verifies the identity information of the mobile terminal according to the authentication secret.
5. method of mobile payment as described in claim 1, which is characterized in that the mobile terminal is also sentenced after receiving broadcast
Whether the sales terminal that breaks is registered trade company, if the sales terminal is registered trade company and user has shopping and is intended to,
Then respond the sales terminal；
Preferably, in the mobile terminal after the server registration identity information, the server is to the mobile terminal
Registered merchant list is sent, the mobile terminal saves the registered merchant list；
Whether the mobile terminal is recorded in the registered merchant list after receiving broadcast by the sales terminal
Judge whether the sales terminal is registered trade company；
It is further preferred that the registered merchant list includes the ID of all registered trade companies, what the sales terminal was sent
Broadcast includes the ID of the sales terminal；
Judge whether the sales terminal is to have infused by the way that whether the sales terminal is recorded in the registered merchant list
Volume trade company, comprising: judge whether the ID of the sales terminal is recorded in the registered merchant list, if so, described sell
Goods terminal is registered trade company, if it is not, the then non-registered trade company of the sales terminal；
And/or
The mobile terminal is completed to pay after user does shopping to the sales terminal, comprising:
The sales terminal sends commodity payment affirmation information to the mobile terminal after user does shopping, and the commodity payment is true
Information is recognized for asking the user whether confirmation payment for merchandise；
The acquisition for mobile terminal user confirms the instruction for paying the commodity and feeds back to the sales terminal；
Payment request is uploaded to the server by the sales terminal；
The server completes payment to the sales terminal and payment result is handed down to the mobile terminal and described is sold goods
Terminal；
The sales terminal is confirmed whether to provide the commodity and feeds back to the server according to payment result.
6. a kind of mobile-payment system, which is characterized in that the mobile-payment system includes: mobile terminal, server and sells goods
Terminal；
The mobile terminal is used in the server registration identity information；
Sales terminal is for sending broadcast；
The mobile terminal is also used to speculate that user is intended to the presence or absence of shopping after receiving broadcast, if user has shopping meaning
Figure, then respond the sales terminal；
The sales terminal is also used to after the response for receiving the mobile terminal to shifting described in the server requests authentication
The identity information of dynamic terminal；
The server is also used to feeding back to verification result into the sales terminal；
The mobile terminal is also used to complete to pay to the sales terminal after user does shopping.
7. mobile-payment system as claimed in claim 6, which is characterized in that speculate that user is intended to the presence or absence of shopping, comprising:
The distance between the mobile terminal and the sales terminal are calculated, judges whether the distance is less than preset distance threshold,
If being less than, there is shopping and be intended in user, if being not less than, there is no shopping to be intended to by user；
And/or the sales terminal is also used to screen after the response for receiving more than two mobile terminals apart from nearest shifting
Dynamic terminal, and the identity information to the server requests authentication apart from nearest mobile terminal.
8. mobile-payment system as claimed in claim 7, which is characterized in that the broadcast that the sales terminal is sent includes reference
Received signal strength, the mobile terminal are also used to after receiving broadcast by described with reference to described in received signal strength calculating
The distance between mobile terminal and the sales terminal.
9. mobile-payment system as claimed in claims 6 or 7, which is characterized in that the server is used for described mobile whole
After the server registration identity information, Xiang Suoshu mobile terminal sends authentication secret and saves the authentication secret and institute at end
State the corresponding relationship between the identity information of mobile terminal；
Respond the sales terminal, comprising: Xiang Suoshu sales terminal sends the authentication secret；
To the identity information of mobile terminal described in the server requests authentication, comprising: the authentication secret is sent to service
Device；
The server is also used to verify the identity information of the mobile terminal according to the authentication secret.
10. mobile-payment system as claimed in claim 6, which is characterized in that the mobile terminal is also used to receiving extensively
Judge whether the sales terminal is registered trade company after broadcasting, if the sales terminal is registered trade company and user has shopping
It is intended to, then responds the sales terminal；
Preferably, in the mobile terminal after the server registration identity information, the server is also used to the shifting
Dynamic terminal sends registered merchant list, and the mobile terminal is also used to save the registered merchant list；
The mobile terminal is also used to after receiving broadcast, whether is recorded in the registered trade company by the sales terminal
Judge whether the sales terminal is registered trade company in list；
It is further preferred that the registered merchant list includes the ID of all registered trade companies, what the sales terminal was sent
Broadcast includes the ID of the sales terminal；
Judge whether the sales terminal is to have infused by the way that whether the sales terminal is recorded in the registered merchant list
Volume trade company, comprising: judge whether the ID of the sales terminal is recorded in the registered merchant list, if so, described sell
Goods terminal is registered trade company, if it is not, the then non-registered trade company of the sales terminal；
And/or
The sales terminal is also used to send commodity payment affirmation information, the commodity to the mobile terminal after user does shopping
Payment affirmation information is for asking the user whether confirmation payment for merchandise；
The mobile terminal is also used to obtain user and confirms the instruction for paying the commodity and feed back to the sales terminal；
The sales terminal is also used to for payment request to be uploaded to the server；
The server is also used to complete to pay to the sales terminal and payment result is handed down to the mobile terminal and institute
State sales terminal；
The sales terminal is also used to be confirmed whether to provide according to payment result the commodity and feeds back to the server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810390854.3A CN110414969A (en) | 2018-04-27 | 2018-04-27 | Method of mobile payment and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810390854.3A CN110414969A (en) | 2018-04-27 | 2018-04-27 | Method of mobile payment and system |
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| Publication Number | Publication Date |
|---|---|
| CN110414969A true CN110414969A (en) | 2019-11-05 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810390854.3A Pending CN110414969A (en) | 2018-04-27 | 2018-04-27 | Method of mobile payment and system |
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| Country | Link |
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| CN (1) | CN110414969A (en) |
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Application publication date: 20191105 |