CN111784322A - Mobile payment system and mobile payment method - Google Patents

Mobile payment system and mobile payment method Download PDF

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Publication number
CN111784322A
CN111784322A CN202010554967.XA CN202010554967A CN111784322A CN 111784322 A CN111784322 A CN 111784322A CN 202010554967 A CN202010554967 A CN 202010554967A CN 111784322 A CN111784322 A CN 111784322A
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China
Prior art keywords
payment
merchant terminal
identity information
consumer
terminal
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CN202010554967.XA
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Chinese (zh)
Inventor
邓福友
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Suihua Cheng Mei Sheng Shi Network Technology Co ltd
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Suihua Cheng Mei Sheng Shi Network Technology Co ltd
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Priority to CN202010554967.XA priority Critical patent/CN111784322A/en
Publication of CN111784322A publication Critical patent/CN111784322A/en
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • 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
    • 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
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention discloses a mobile payment system, comprising: the mobile payment terminal, the payment server and the merchant terminal are in communication connection; the payment server is associated with a financial account of the consumer and prestores payment key information and identity information of the consumer and a corresponding relation between the payment key information and the identity information; the payment server acquires the identity information and the password data of the current consumer uploaded by the merchant terminal, compares the identity information and the password data with the stored identity information and payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits a judgment result to the merchant terminal; and the merchant terminal selects to complete the transaction or close the transaction according to the judgment result. The invention can complete the payment process without using the mobile terminal as a payment carrier, so that the payment process is more convenient.

Description

Mobile payment system and mobile payment method
Technical Field
The invention relates to the technical field of payment, in particular to a mobile payment system and a mobile payment method.
Background
At present, mobile payment is more popular with the public, and the current mobile payment mainly comprises code scanning payment and flashing payment based on NFC technology. No matter which method is used for payment, the consumer needs to use the mobile terminal as a payment carrier, and people are not used to carry a wallet at present, and once forgetting to carry a mobile phone, the payment cannot be carried out.
Therefore, it is an urgent need to solve the problem of the technical staff in the art to provide a mobile payment system and a mobile payment method that can realize payment only by performing authentication without using a terminal such as a mobile phone as a carrier.
Disclosure of Invention
In view of the above, the invention provides a mobile payment method and a mobile payment system, which can not only complete payment through a mobile payment terminal, but also complete payment through identity authentication and password input under the condition that the mobile payment terminal is forgotten to be carried, so that mobile payment is more convenient and faster.
In order to achieve the purpose, the invention adopts the following technical scheme:
a mobile payment system comprising: the mobile payment terminal, the payment server and the merchant terminal are in communication connection;
the payment server is associated with a financial account of a consumer and prestores payment key information and identity information of the consumer and a corresponding relation between the payment key information and the identity information;
the payment server acquires the identity information and the password data of the current consumer uploaded by the merchant terminal, compares the identity information and the password data with the stored identity information and payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits a judgment result to the merchant terminal; or
The payment server compares the password data uploaded by the mobile payment terminal with the stored payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits the judgment result to the merchant terminal;
and the merchant terminal selects to complete the transaction or close the transaction according to the judgment result.
According to the technical scheme, compared with the prior art, the payment can be finished by inputting the payment password into the mobile payment terminal, the identity information can be acquired through the merchant terminal under the condition that the mobile payment terminal is forgotten to be carried, the identity is verified through the payment server, the password is input through the merchant terminal after the verification is successful, and the payment is finished finally, so that the process is convenient, and the payment environment is safe. The invention solves the problem that the payment must be carried out by using a mobile phone and the like as carriers, and leads the payment process to be more convenient.
Preferably, in the above mobile payment system, the merchant terminal includes a main control module, a camera, a display, a payment bill generation module, and a merchant terminal communication module; the main control module is electrically connected with the camera, the display, the payment bill generation module and the merchant terminal communication module respectively; the merchant terminal communication module is in wireless connection with the payment server.
Preferably, in the above mobile payment system, the merchant terminal further includes a printing module, and the printing module is electrically connected to the main control module.
Preferably, in the above mobile payment system, the merchant terminal further includes a fingerprint identification module, and the fingerprint identification module is electrically connected to the main control module.
Preferably, in the above mobile payment system, the mobile payment terminal downloads a corresponding financial software APP; and the financial software APP is bound with the identity information and the financial account of the mobile payment terminal holder, and uploads the identity information and the financial account of the mobile payment terminal holder to the payment server.
Preferably, in the mobile payment system as described above, the identity information includes at least one of portrait data, identity document information, and fingerprint information.
Preferably, in the above mobile payment system, the merchant terminal further includes a payment two-dimensional code generation module; and the mobile payment terminal scans the two-dimensional code generated by the payment two-dimensional code generation module and carries out payment according to the consumption amount in the payment bill.
The invention also discloses a mobile payment method, which comprises the following steps:
step S1, uploading payment key information and identity information of the consumer and the corresponding relation between the payment key information and the identity information to the payment server, and enabling the financial account of the consumer to be associated with the payment server;
step S2, the merchant terminal generates a bill to be paid or a two-dimensional payment code of the current consumer;
s3, selecting a payment mode, if the mobile terminal is selected to pay, scanning the payment two-dimensional code by the mobile payment terminal, generating a password payment interface, and executing S7-S9; if the payment mode of the identity authentication is selected, executing the steps S4-S9;
step S4, the merchant terminal reads the identity information of the current consumer and uploads the identity information to the payment server;
step S5, the payment server compares the identity information read by the merchant terminal with pre-stored identity information, judges whether the bill to be paid has the authority of paying by using the identity information, and sends the judgment result to the merchant terminal;
step S6, if the authority is provided, the merchant terminal generates a password payment interface to remind the current consumer to input a payment password; if the authority is not met, closing the current transaction;
step S7, uploading password data input by a consumer to the payment server;
step S8, the payment server compares the password data with the pre-stored payment key information and sends the comparison result to the merchant terminal;
step S9, if the password data is correct, the merchant terminal deducts the consumption amount in the bill to be paid to complete the transaction; and if the password data is incorrect, the merchant terminal generates a password payment interface again, the steps S4-S6 are repeated for three times, and if the password data is still incorrect, the transaction is closed.
According to the technical scheme, compared with the prior art, the payment process can be realized by inputting the password for payment after the identity authentication of the consumer is passed without using the mobile payment terminal as a carrier, so that the payment process is greatly facilitated.
Preferably, in the above-mentioned mobile payment method, the identity information of the current consumer read by the merchant terminal in step S4 is portrait data or fingerprint information.
Preferably, in the above mobile payment method, the method further includes step S10, after the transaction is completed, the merchant terminal prints a payment receipt.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic diagram of the structure provided by the present invention;
FIG. 2 is a schematic diagram of a merchant terminal according to the present invention;
fig. 3 is a schematic structural diagram of a merchant terminal according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, an embodiment of the present invention discloses a mobile payment system, including: the mobile payment system comprises a mobile payment terminal 1, a payment server 2 and a merchant terminal 3 which are in communication connection;
the payment server 2 is associated with a financial account of a consumer and prestores payment key information and identity information of the consumer and a corresponding relationship between the payment key information and the identity information;
the payment server 2 acquires the identity information and the password data of the current consumer uploaded by the merchant terminal 3, compares the identity information and the password data with the stored identity information and payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits a judgment result to the merchant terminal 3; or
The payment server 2 compares the password data uploaded by the mobile payment terminal 1 with the stored payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits the judgment result to the merchant terminal 3;
and the merchant terminal 3 selects to complete the transaction or close the transaction according to the judgment result.
The embodiment of the invention can directly finish payment by inputting the payment password into the mobile payment terminal 1, and can also collect identity information through the merchant terminal 3 under the condition of forgetting to carry the mobile payment terminal 1, carry out identity verification through the payment server 2, and finally finish payment by inputting the password through the merchant terminal 3 after the verification is successful. The invention solves the problem that the payment must be carried out by using a mobile phone and the like as carriers, and leads the payment process to be more convenient.
As shown in fig. 2, specifically, the merchant terminal 3 includes a main control module 31, a camera 32, a display 33, a payment bill generating module 34, and a merchant-side communication module 35; the main control module 31 is electrically connected with the camera 32, the display 33, the payment bill generation module 34 and the merchant terminal communication module 35 respectively; the merchant-side communication module 35 is wirelessly connected to the payment server 2. The camera 32 is used to collect the portrait information of the current consumer.
Advantageously, the merchant terminal 3 further includes a printing module 36, and the printing module 36 is electrically connected to the main control module 31. The present embodiment may print the payment slip through the printing module 36.
In one embodiment, the merchant terminal 3 further includes a fingerprint identification module 37, and the fingerprint identification module 37 is electrically connected to the main control module 31.
Specifically, the mobile payment terminal 1 downloads the corresponding financial software APP; the financial software APP is bound with the identity information and the financial account of the mobile payment terminal holder, and the identity information and the financial account of the mobile payment terminal 1 holder are uploaded to the payment server 2.
In one embodiment, the identity information includes at least one of portrait data, identity document information, and fingerprint information.
In one embodiment, the merchant terminal 3 further includes a payment two-dimensional code generation module 38; the mobile payment terminal 1 scans the two-dimensional code generated by the payment two-dimensional code generation module 38 and makes payment according to the consumption amount in the payment bill.
As shown in fig. 3, the embodiment of the present invention further discloses a mobile payment method, which includes the following steps:
step S1, uploading the payment key information and the identity information of the consumer and the corresponding relation between the payment key information and the identity information to a payment server, and enabling the financial account of the consumer to be associated with the payment server;
step S2, the merchant terminal generates a bill to be paid or a two-dimensional payment code of the current consumer;
s3, selecting a payment mode, if the mobile terminal is selected for payment, scanning the payment two-dimensional code by the mobile payment terminal, generating a password payment interface, and executing S7-S9; if the payment mode of the identity authentication is selected, executing the steps S4-S9;
step S4, the merchant terminal reads the identity information of the current consumer and uploads the identity information to the payment server;
step S5, the payment server compares the identity information read by the merchant terminal with the pre-stored identity information, judges whether the bill to be paid has the authority of paying by using the identity information, and sends the judgment result to the merchant terminal;
step S6, if the current consumer has the authority, the merchant terminal generates a password payment interface to remind the current consumer to input a payment password; if the authority is not provided, closing the current transaction;
step S7, uploading password data input by the consumer to a payment server;
step S8, the payment server compares the password data with the pre-stored payment key information and sends the comparison result to the merchant terminal;
step S9, if the password data is correct, the merchant terminal deducts the consumption amount in the bill to be paid to complete the transaction; and if the password data is incorrect, the merchant terminal generates a password payment interface again, the steps S4-S6 are repeated for three times, the password data is still incorrect, and the transaction is closed.
The payment process of the embodiment of the invention can carry out identity authentication on the consumer without using the mobile payment terminal as a carrier, and after the authentication is passed, the payment is carried out by inputting the password, thereby greatly facilitating the payment process. Through double authentication of identity identification and password input, the payment environment is relatively safe.
Specifically, the identity information of the current consumer read by the merchant terminal in step S4 is portrait data or fingerprint information.
Advantageously, the method further includes step S10, after the transaction is completed, the merchant terminal prints the payment receipt.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A mobile payment system, comprising: the mobile payment terminal, the payment server and the merchant terminal are in communication connection;
the payment server is associated with a financial account of a consumer and prestores payment key information and identity information of the consumer and a corresponding relation between the payment key information and the identity information;
the payment server acquires the identity information and the password data of the current consumer uploaded by the merchant terminal, compares the identity information and the password data with the stored identity information and payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits a judgment result to the merchant terminal; or
The payment server compares the password data uploaded by the mobile payment terminal with the stored payment key information of the consumer, judges whether the current consumer has the payment authority, and transmits the judgment result to the merchant terminal;
and the merchant terminal selects to complete the transaction or close the transaction according to the judgment result.
2. The mobile payment system of claim 1, wherein the merchant terminal comprises a main control module, a camera, a display, a payment bill generation module and a merchant terminal communication module; the main control module is electrically connected with the camera, the display, the payment bill generation module and the merchant terminal communication module respectively; the merchant terminal communication module is in wireless connection with the payment server.
3. The mobile payment system of claim 2, wherein the merchant terminal further comprises a printing module, and the printing module is electrically connected to the main control module.
4. The mobile payment system of claim 2, wherein the merchant terminal further comprises a fingerprint identification module, and the fingerprint identification module is electrically connected to the main control module.
5. A mobile payment system according to claim 1, wherein the mobile payment terminal downloads the corresponding financial software APP; and the financial software APP is bound with the identity information and the financial account of the mobile payment terminal holder, and uploads the identity information and the financial account of the mobile payment terminal holder to the payment server.
6. A mobile payment system as claimed in claim 5, wherein the identity information comprises at least one of portrait data, identity document information and fingerprint information.
7. The mobile payment system of claim 5, wherein the merchant terminal further comprises a payment two-dimensional code generation module; and the mobile payment terminal scans the two-dimensional code generated by the payment two-dimensional code generation module and carries out payment according to the consumption amount in the payment bill.
8. A payment method for a payment system according to any one of claims 1 to 7 comprising the steps of:
step S1, uploading payment key information and identity information of the consumer and the corresponding relation between the payment key information and the identity information to the payment server, and enabling the financial account of the consumer to be associated with the payment server;
step S2, the merchant terminal generates a bill to be paid or a two-dimensional payment code of the current consumer;
s3, selecting a payment mode, if the mobile terminal is selected to pay, scanning the payment two-dimensional code by the mobile payment terminal, generating a password payment interface, and executing S7-S9; if the payment mode of the identity authentication is selected, executing the steps S4-S9;
step S4, the merchant terminal reads the identity information of the current consumer and uploads the identity information to the payment server;
step S5, the payment server compares the identity information read by the merchant terminal with pre-stored identity information, judges whether the bill to be paid has the authority of paying by using the identity information, and sends the judgment result to the merchant terminal;
step S6, if the authority is provided, the merchant terminal generates a password payment interface to remind the current consumer to input a payment password; if the authority is not met, closing the current transaction;
step S7, uploading password data input by a consumer to the payment server;
step S8, the payment server compares the password data with the pre-stored payment key information and sends the comparison result to the merchant terminal;
step S9, if the password data is correct, the merchant terminal deducts the consumption amount in the bill to be paid to complete the transaction; and if the password data is incorrect, the merchant terminal generates a password payment interface again, the steps S4-S6 are repeated for three times, and if the password data is still incorrect, the transaction is closed.
9. The mobile payment method of claim 8, wherein the identity information of the current consumer read by the merchant terminal in step S4 is portrait data or fingerprint information.
10. The mobile payment method of claim 8, further comprising step S10, wherein the merchant terminal prints a payment receipt after the transaction is completed.
CN202010554967.XA 2020-06-17 2020-06-17 Mobile payment system and mobile payment method Pending CN111784322A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112418880A (en) * 2020-11-07 2021-02-26 许尧龙 Two-dimensional code electronic authentication label and system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104281948A (en) * 2013-07-09 2015-01-14 航天信息股份有限公司 Mobile payment method and system based on two-dimension codes
CN105913245A (en) * 2015-10-23 2016-08-31 乐视网信息技术（北京）股份有限公司 Internet payment method, device and server
CN107590660A (en) * 2017-09-25 2018-01-16 王天坤 Method of mobile payment

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104281948A (en) * 2013-07-09 2015-01-14 航天信息股份有限公司 Mobile payment method and system based on two-dimension codes
CN105913245A (en) * 2015-10-23 2016-08-31 乐视网信息技术（北京）股份有限公司 Internet payment method, device and server
CN107590660A (en) * 2017-09-25 2018-01-16 王天坤 Method of mobile payment

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112418880A (en) * 2020-11-07 2021-02-26 许尧龙 Two-dimensional code electronic authentication label and system

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