CN113596715B - 通过移动和可穿戴设备进行消息传递、呼叫、单触支付的方法、系统及计算机可读介质 - Google Patents
通过移动和可穿戴设备进行消息传递、呼叫、单触支付的方法、系统及计算机可读介质 Download PDFInfo
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Abstract
提供了用于通过移动和可穿戴设备进行消息传递、呼叫、单触支付的计算机实现的方法和系统。示例性系统包括处理器和与处理器通信的数据库。处理器被配置为提供用于选择活动模式的集成界面。活动模式包括消息传递模式、呼叫模式和单触支付模式。处理器还被配置为经由集成界面从用户接收对活动模式的选择。如果消息传递模式被选择,则接收来自用户的消息并经由数据网络将该消息发送给接收者。如果呼叫模式被选择,则根据用户的呼叫请求发起数据网络呼叫。如果单触支付模式被选择,则向金融组织传送支付请求。
Description
技术领域
本申请一般涉及数据处理,更具体地涉及用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的方法和系统。
背景技术
移动支付通常是指通过移动或可穿戴设备进行的支付操作。通过移动和可穿戴设备进行的操作可以包括电子商务交易、零售采购、小额支付、和其它日常支付。移动支付可以利用信用卡、借记卡、礼品卡、和虚拟货币。虽然移动支付方便和刺激了交易,但是提供财务细节和认证身份的过程可能冗长乏味和耗时。因此,用于日常小额支付的移动支付的方便性受阻。
此外,移动或可穿戴设备通常被用作授权因素,例如通过定位移动设备或通过向移动设备发送一次性代码。这样允许识别和抵制信用卡数据失窃,增加移动支付的安全性。
发明内容
提供本概要是为了以简化形式介绍一些构思,这些构思在下面的具体实施方式中进一步描述。本概要并不旨在指明所要求保护的主题的关键特征或基本特征,也不旨在用于帮助确定所要求保护的主题的范围。
本申请提供用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的计算机实现的方法和系统。使用本文描述的方法或系统,用户可以从任何位置进行快速电子支付。为此,用户可以向消息传递、呼叫和单触支付系统注册。在注册期间,用户可以提供他的财务信息。财务信息可以包括银行账户信息、信用卡信息、借记卡信息、礼品卡信息,预付卡信息、保险账户信息、商家账户信息、移动货币信息,数字货币账户、SDK支付信息、应用内支付信息,社交网络支付信息、预付卡信息、API支付信息、移动账户支付信息、移动货币信息等。当需要时,用户可以激活消息传递、呼叫和单触支付系统的集成界面。集成界面可以显示在设备的视频输出上,并与其他应用或页面重叠。集成界面可以提供对包括消息传递模式、呼叫模式和单触支付模式的活动模式的选择。通过集成界面,消息传递、呼叫和单触支付系统可以接收对活动模式的选择。如果消息传递模式被选择,则来自用户的消息可以被接收并经由数据网络将该消息发送给接收者。如果呼叫模式被选择,则可以根据用户的呼叫请求发起数据网络呼叫。如果单触支付模式被选择,则可以向金融组织传送支付请求。可以使用移动和可穿戴设备上的实际页面的数据以及在注册期间提供的用户的财务信息来生成支付请求。
为了实现上述和相关目的,一个或多个方面包括下面充分描述的并在权利要求中具体指出的多个特征。以下描述和附图详细阐述了一个或多个方面的某些说明性特征。然而,这些特征仅仅指示各种方面的原理可以采用的各种方式中的一些,并且该描述旨在包括所有这些方面及其等同物。
附图说明
附图的图中通过示例而不是限制的方式示出了实施例,图中相似的附图标记指示相似的元件,并且其中:
图1是示出根据示例性实施例的能够实施用于通过移动和可穿戴设备进行消息传递、呼叫、和单触支付的方法和系统的环境的框图。
图2是示出根据某些实施例的消息传递、呼叫、和单触支付系统的各种模块的框图。
图3是示出根据某些实施例的用于通过移动和可穿戴设备进行消息传递、呼叫、和单触支付的方法的流程图。
图4是示出根据某些实施例的集成界面的框图。
图5是示出根据某些实施例的消息传递、呼叫、和单触支付系统的示例性屏幕的框图。
图6示出了根据某些实施例扫描来自用户的移动或可穿戴设备的条形码。
图7示出了根据某些实施例在销售点终端处使用条形码发票。
图8示出了根据某些实施例的电子支付卡。
图9示出了用于机器的采用计算机系统的示例性电子形式的计算设备的图形表示,在计算设备中能够执行用于使机器执行文中讨论的任何一个或多个方法的一组指令。
具体实施方式
在下面的描述中,阐述了许多具体细节,以提供对所呈现的构思的透彻理解。所呈现的构思可以在没有这些具体细节中的一些或全部的情况下被实践。在其他情况下,没有详细描述公知的过程操作,以免不必要地模糊所描述的构思。虽然将结合具体实施例描述一些构思,但是将理解的是这些实施例不旨在限制。
文中描述了用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的各种计算机实现的方法和系统。计算机网络(互联网)的扩展引起了一种新型交易—电子交易,而能够进行互联网通信的移动设备(例如,手机/智能电话和其他类似设备)的激增使得电子交易更进一步。客户可以使用移动设备从任何位置在线购物。因此,移动支付服务越来越重要。然而,耗时的支付过程,提供财务细节,授权和其他行动可能导致潜在买家在购买时改变主意。加速支付程序可以促进电子采购和刺激电子交易。
现在参考附图,图1示出了可以实施用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的系统和方法的环境100。环境100可以包括用户120,客户端设备130,网络110,消息传递、呼叫和单触支付系统300。根据用户请求,消息传递、呼叫和单触支付系统300可以在客户端设备130的显示器上提供集成界面。客户端设备可以包括智能电话、平板电脑、笔记本电脑、增强现实眼镜、智能手表等。
经由集成界面,用户120可以与接收者140交换消息160,进行呼叫170,和进行单触支付180。
消息传递160、呼叫170和单触支付180利用客户端设备130经由网络110被传送到系统300并进一步传送到接收者140或收款人(未示出)。
网络110可以包括互联网或能够在设备之间进行数据通信的任何其他网络。适合的网络可以包括例如以下各项中的一个或多个或与之连接:本地内联网,PAN(个人局域网),LAN(局域网),WAN(广域网),MAN(城域网),虚拟专用网(VPN),存储区域网(SAN),帧中继连接,高级智能网(AIN)连接,同步光网络(SONET)连接,数字T1、T3、E1或E3线路,数字数据服务(DDS)连接,DSL(数字用户线)连接,以太网连接,ISDN(综合业务数字网络)线路,诸如V.90、V.34或V.34bis模拟调制解调器连接的拨号端口,电缆调制解调器,ATM(异步传输模式)连接,或FDDI(光纤分布式数据界面)或CDDI(铜缆分布式数据界面)连接。此外,通信还可以包括到各种无线网络中的任意链路,包括WAP(无线应用协议)、GPRS(通用分组无线业务)、GSM(全球移动通信系统)、CDMA(码分多址)或TDMA(时分多址)、蜂窝电话网络、GPS(全球定位系统)、CDPD(蜂窝数字分组数据)、RIM(Research in Motion有限公司)双向寻呼网络、蓝牙无线电、或基于IEEE 802.11的射频网络。网络110可进一步包括以下各项中的任一个或多个或与之接口:RS-232串行连接,IEEE-1394(火线)连接,光纤通道连接,IrDA(红外)端口,SCSI(小型计算机系统接口)连接,通用串行总线(USB)连接或其他有线或无线、数字或模拟界面或连接,网格或网络。网络110可以包括用于将来自每个客户端的命令、内容和/或web对象请求转发到在线社区应用并将响应转回到客户端的任何适当数量和类型的设备(例如,路由器和交换机)。
图2是示出根据一些示例性实施例的用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的方法200的流程图。方法200可以由逻辑执行,逻辑可以包括硬件(例如,专用逻辑、可编程逻辑和微代码),软件(例如在通用计算机系统或专用机器上运行的软件),或二者的组合。在示例性实施例中,处理逻辑驻留在系统300处,用于提供使用移动支付服务的补偿,并且系统300的各种元件可以执行方法200。普通技术人员将理解,前述模块的示例可以是虚拟的,并且说明为由模块执行的指令实际上由软件检索和执行。尽管可以将各种元件配置为执行本文描述的各种操作中的一些或全部,但是可以提供更少或更多的元件,并且仍然落在各种实施例的范围内。
如图2所示,方法200可以在操作202处开始,提供用于选择活动模式的集成界面。集成界面可以在从用户接收到启动集成界面的请求时提供。为了启动集成界面,可以提示用户提供密码,代码,语音命令,生物特征数据等。
活动模式可以包括消息传递模式、呼叫模式和单触支付模式。集成界面可以基于用户请求经由移动和可穿戴设备的屏幕(如图4所示,将在下面详细描述图4)来提供。集成界面可以和与移动和可穿戴设备相关联的至少一个移动应用集成到一起。例如,集成界面可以被显示在移动和可穿戴设备的其他视觉输出之上。当用户希望发送消息,呼叫或进行支付时,用户可以通过触摸集成界面的特定部分来选择活动模式。此外,活动模式的选择可以包括语音命令、与触摸屏的触觉交互、移动命令等等。可以在操作204处经由集成界面来接收对活动模式的选择。
系统300可以确定所选择的活动模式并基于选择来执行相应的动作。如果消息传递模式被选择,则系统300可以在操作206处在移动和可穿戴设备上向用户提供消息传递界面。通过消息传递界面,可以从用户接收消息并经由数据网络将该消息发送给接收者。消息可以包括文本、音频、视频和地理数据。另外,可以从其他用户接收消息。集成界面可以通知用户接收到一个或多个消息。用户可以激活消息传递界面来读取和/或回复消息。
如果在操作204处选择了呼叫模式,则可以向用户提供呼叫界面。用户可以在其联系人中选择一个呼叫接收者并发出呼叫请求。系统300可以从用户接收呼叫请求。基于呼叫请求,系统300可以在操作208处发起数据网络呼叫。呼叫可以包括音频呼叫、视频呼叫、全息视频呼叫等等。该呼叫可以经由网络电话(VoIP:Voice over Internet Protocol)服务,免费过顶(OTT:Over-the-Top)业务等来执行。免费VoIP服务和免费OTT业务包括语音通信、传真、文本消息传递、语音消息传递、视频通信和多媒体传输。在各种实施例中,经由Wi-Fi、3G网络、4G网络、5G网络、6G网络或更新的网络提供免费VoIP服务和免费OTT服务。
如果单触支付模式被选择,则可以在操作210处将支付请求传送到金融组织。进行支付的金融组织可以是银行、信用公司、虚拟货币系统等。支付请求可以使用单触支付模式被激活的移动应用或页面的数据生成。例如,用户可以从在线商店的购买页面激活单触支付。可以立即启动支付,而不需要请求进一步的细节。可以从实际页面或应用接收支付接收者和支付金额的数据,并且可以将用户的财务信息存储在消息传递、呼叫和单触支付系统300的数据库中。用户财务信息可以由用户在向消息传递、呼叫和单触支付系统注册期间提供,并且可以包括以下各项中的一个或多个:银行账户信息、信用卡信息、借记卡信息、礼品卡信息、预付卡信息、保险账户信息、商家账户信息、移动货币信息、数字货币等。在线支付可以通过双因素授权来确保。其中一个因素可以是基于集成界面启动的授权,另一个因素可以包括定位与用户相关联的移动和可穿戴设备,并将位置与请求支付的位置进行比较。
在示例性实施例中,单触支付模式可以用于互联网支付。此外,单触支付模式可以与文本消息传递、按住说话语音消息传递、广播消息传递、照片和视频的共享、以及位置共享集成。单触支付模式可以与经由蓝牙和附近用户的交换联系人和支付相关联,从而提供随机单触支付的用户联系。单触支付模式可以与社交网络服务相关联。此外,单触支付模式可以具有与用于移动和可穿戴设备的专有的跨平台即时消息订阅服务共用的界面。
在示例性实施例中,单触支付模式可以与专门提供来自移动和可穿戴设备的视频聊天、语音呼叫和电话会议的电信应用软件集成。单触支付模式可以与一个或多个操作系统兼容,其中一个或多个操作系统包括Microsoft Windows、Mac、Linux、Android、Blackberry、iOS和Windows Phone。使用单触支付模式提供的单触支付服务是免费的。单触支付模式可以包括免费提供产品或服务的免费模式,但是针对专有特征、功能、或虚拟商品收取费用。
在另一示例性实施例中,单触支付模式可以与向用户提供使用单次触摸进行在线购买和离线购买的选项相关联。在这种情况下,用户使用预定义的地址和预定义的支付信息,例如,先前已经由用户输入的完成购买所需的支付信息。
方法200还可以包括通过处理器加密与单触支付模式相关联的支付请求以获得加密的支付请求。加密的支付请求可以通过与接收者的移动和可穿戴设备相关联的短时消息传递、单触支付、和多媒体应用来解密。在读取之后,加密的支付请求可以从接收者的移动和可穿戴设备移除。方法200还可以包括通过处理器从用户接收在移动支付服务中注册用户的注册请求。用户可以经由与移动和可穿戴设备相关联的移动支付应用发送注册请求。移动支付应用可以至少提供免费VoIP服务和免费过顶(OTT)业务。短时消息传递、单触支付、和多媒体应用可以与应用协议相关联,应用协议被集成到通信平台中。
在示例性实施例中,移动和可穿戴设备可以包括适于将移动和可穿戴设备固定在人体上的带子。人体可以包括手腕、手臂、颈部、头部、腿部、腰部、耳朵、手指和人体的任何其他部分。该带子可以适于将移动和可穿戴设备固定在衣服下,衣服内或衣服上。带子可以包括被配置成为移动和可穿戴设备供电的可充电电池。
在另一示例性实施例中,移动和可穿戴设备可以被配置为充当以下各项的一个或多个:机械混合智能手表、智能手表、数字计算眼镜、数字手镯、移动互联网设备、移动web设备、智能电话、平板电脑、可穿戴计算机、计算器手表、智能手表、头戴式显示器、个人数字助理、企业数字助理、计算器、手持游戏机、便携式媒体播放器、超移动个人计算机、数字静态照相机、数字摄像机、移动电话、功能电话、寻呼机和个人导航设备。
移动和可穿戴设备还可以包括一个或多个触觉控制元件以控制移动和可穿戴设备的操作或功能。对移动和可穿戴设备的访问可以通过以下各项中的一个或多个来控制:密码、个人标识号代码、和生物特征授权。生物特征授权可以包括指纹扫描、手掌扫描、脸部扫描和视网膜扫描。可以使用一个或多个生物测定传感器执行扫描。一个或多个生物测定传感器可以包括感测用于单触支付模式的命令的传感器,该感测可以在显示器上示出。移动和可穿戴设备还可以包括配置成扫描指纹的指纹读取器,所扫描的指纹可以与一个或多个批准的指纹相匹配。可以基于匹配来授予对移动和可穿戴个人数字产品的访问。
移动和可穿戴设备还可以包括被配置为捕获一个或多个条形码的照相机。一个或多个条形码可以包括电子密钥数据、到web资源的链接、支付请求、和广告信息。一个或多个条形码可以包括线性维度码、二维码,快照标签代码、和QR码,以及其他机器可读代码。
移动和可穿戴设备可以与被配置为充当智能卡、感应卡、集成电路卡、磁条卡、和电子支付卡中的一个或多个的电子支付卡相关联。电子支付卡可以存储一个或多个借记卡、信用卡、礼品卡、忠诚卡、预付卡、银行卡、身份证和会员卡中的卡数据。电子支付卡可以被配置为附加到移动和可穿戴设备。
移动和可穿戴设备可以操作以获得关于用户的支付系统的信息。移动和可穿戴设备可以进一步可操作以生成和显示编码用户支付信息的条形码。条形码可以在结账台处扫描并被处理以从支付处理系统的数据库中检索用户支付信息。用户支付信息可以用于在用户和商家之间转移资金。
在另一示例性实施例中,方法200还可以包括扫描在单触QR码发票上呈现的代码。单触QR码发票可以与发票、信用票据、借记票据、估价发票、和预支付发票中的一个或多个相关联。单触QR码发票可以存储发票数据、金额汇总、产品数据、服务数据、商家数据、发票号码和待支付金额中的一个或多个。单触支付信息可以存储在与用户相关联的移动和可穿戴设备中。用户可以通过将移动和可穿戴设备保持在非接触式读取器附近并激活移动和可穿戴设备上的单触支付图标来激活单触支付模式。
图3是示出根据某些实施例的用于消息传递、呼叫和单触支付系统300的各种模块的框图。系统300可以包括处理器302、数据库304、和可选的集成界面306。处理器302可以包括可编程处理器,诸如微控制器、中央处理单元(CPU)等等。在其他实施例中,处理器302可以包括设计成用于实现由系统300执行的功能的专用集成电路(ASIC)或可编程逻辑阵列(PLA),诸如现场可编程门阵列(FPGA)。因此,处理器302可以提供用于选择活动模式的集成界面。活动模式可以包括消息传递模式、呼叫模式和单触支付模式。处理器302还可以经由集成界面306从用户接收对活动模式的选择。如果消息传递模式被选择,则处理器302可以从用户接收消息并经由数据网络将该消息发送给接收者。在示例实施例中,消息可以被发送到受控的接收者列表。用户可以设置接收者查看消息的时间限制。在时间限制之后,消息可以从与接收者相关联的移动和可穿戴设备中删除。
如果呼叫模式被选择,则处理器302可以根据用户的呼叫请求发起数据网络呼叫。数据网络呼叫可以通过免费VoIP服务、过顶(OTT)业务等进行。如果单触支付模式被选择,则处理器可以向金融组织发送支付请求。可以使用移动和可穿戴设备上的实际页面(看得见的)的数据来生成支付请求。另外,支付请求可以包括用户的财务数据。用户的财务数据可以存储在数据库304中。支付可以与以下各项相关联:基于非结构化补充服务数据(USSD)或短消息服务(SMS)的交易支付、直接运营商计费、信用卡移动支付、在线钱包、QR码支付、非接触式近场通信、基于云的移动支付、基于音频信号的支付、蓝牙低功耗(BLE)信号信标支付、应用内支付、SDK支付、API支付、社交网络支付、以及直接运营商/银行合作。
非接触式近场通信(NFC)可用于接收支付请求的数据。例如,当选择单触支付模式时,用户可以在实体商店或运输服务中进行购买支付。移动和可穿戴设备可以配备有智能卡。当用户在雷达模块附近挥动移动和可穿戴设备时,进行支付。在某些情况下,支付可以要求认证。NFC支付可以从预支付账户中扣除,或直接更改为移动或银行账户。NFC支付可以包括在移动设备屏幕上显示用于移动支付的条形码。支付条形码可以包括以下各项中的一个或多个:线性条形码、二维条形码、三维条形码、机器可读代码等。
移动电话的音频通道可以是用于接收用于支付请求的数据的另一无线接口。移动和可穿戴设备的芯片、超声和声学特征可以支持移动支付。附近声音数据传输(NDST),通过语音和NFC的数据传送产生移动电话可以接收来实现电子交易的音频签名。
在一些实施例中,信标移动支付向具有移动应用的任何人或任何设备发送蓝牙低功耗(BLE)信号以传送支付数据并获得电子收据。当客户登记时,他们的照片和姓名可以在零售商的销售点系统上弹出,当商店的销售人员在收银机或读卡终端上计算帐单时,信标移动支付用户向销售人员进行口头确认,销售人员将客户与POS屏幕上的照片进行匹配,并结束交易。
在一些实施例中,系统300可以与以下各项中的一个或多个相关联:基于非结构化补充服务数据的交易支付、短消息服务、直接运营商计账、信用卡移动支付、在线钱包、QR码支付、非接触近场通信支付、基于云的移动支付、基于音频信号的支付、蓝牙低功耗信号信标支付、应用内支付、软件开发套件(SDK)支付、应用编程接口(API)支付、社交网络支付、以及直接运营商和银行合作,其中系统与第三方应用兼容,其中系统与API和SDK中的一个或多个相关联。此外,系统300可以与指纹触摸识别支付、指纹按压识别支付、手势记号支付、语音命令支付、和眨眼支付、指纹滑动识别支付、和点头支付相关联。
图4是示出了根据某些实施例的移动和可穿戴设备的屏幕上启动的集成界面400的框图。用户启动集成界面400。集成界面可以与移动和可穿戴设备上运行的移动应用重叠。因此,用户可以随时选择活动模式而不需要额外的动作。活动模式可以包括消息传递模式402、呼叫模式404、和单触支付模式。用户例如通过手408触摸可以选择活动模式之一。用户选择可以被传送到系统300,并且系统可以提供对应的界面来接收消息或呼叫请求,或者从移动和可穿戴设备上可见的页面提取数据以进行支付。
图5是示出根据某些实施例的消息传递、呼叫和单触支付系统的示例性屏幕500的框图。屏幕502示出向系统300提供用户的财务信息。用户可以获取信用卡或借记卡,提供银行账户、虚拟货币钱包等的详细信息。所提供的财务数据可以采用如屏幕502所示的编码形式存储和/或传送到数据库。用户可以将卡或钱包设置为默认支付账户。当选择单触支付时,可以使用默认支付账户。此外,诸如电话号码、电子邮件地址、支付名称等的用户信息可以存储在与系统300相关联的移动应用或在线资源中。
在一些实施例中,用户可以选择一个存储的支付账户来执行支付。当用户访问系统300时可以进行认证。认证可以包括密码认证,语音认证,生物特征认证等等。
此外,使用系统300,用户可以创建自动支付。例如,如屏幕504所示,用户可以给出在每周的一天的1:25PM将1$转移到特定账户的指令。系统300可以接收指令并根据指令自动执行支付。在预定义的时间段之后,例如,在一个月之后,或每周,或每年,系统300可以提示用户延长自动支付或取消支付。
屏幕506示出经由系统300进行的按请求支付。用户可以选择生成要从设备的屏幕扫描或者发送到支付接收者的条形码。或者,用户可以从他的联系人列表中选择另一个用户,以将一定金额转移给所选择的用户。此外,可以通过蓝牙进行货币转移。
图6示出了从用户的移动或可穿戴设备640扫描条形码。条形码可以由销售点终端630的条形码扫描器610扫描。条形码扫描器610可以被配置为加密扫描的条形码或通过销售点终端630刷的卡620的数据。另外,销售点终端630可被配置为向一个或多个社交网络发送消息。
在一些实施例中,可以通过指纹扫描来保护对条形码扫描器、销售点系统、以及移动和可穿戴设备的访问。
图7示出了根据某些实施例的在销售点终端处使用条形码发票。图7示出了条形码发票710、用于显示条形码750的条形码显示器730、销售点终端720、和经由网络110彼此通信的条形码服务器740。条形码750可以存储在条形码服务器740上。条形码发票710可以由销售点终端720在从移动和可穿戴设备(未示出)扫描条形码750时打印。
图8示出了可以在消息传递、呼叫和单触支付系统中使用的电子支付卡800。在示例性实施例中,电子支付卡800可以包括单触支付按钮810,诸如QR码的代码820,显示器830,键盘840,诸如EMV(欧陆卡、万事达卡和维萨)芯片的芯片850,以及用于非接触式NFC的NFC芯片880。电子支付卡800可以包括若干支付卡的数据,示出为支付卡855、860、865、870、和875。支付卡855、860、865、870、和875的数据可以存储在电子支付卡800上。因此,用户在购物时不需要携带多张支付卡。用户可以使用电子支付卡800,并选择在商店的销售点终端处读取支付卡855、860、865、870、和875中的哪一个。
图9示出了用于机器的采用计算机系统900的示例性电子形式的计算设备的图形表示,在计算设备中可以执行用于使机器执行本文讨论的任何一个或多个方法的一组指令。在各种示例性实施例中,机器作为独立设备操作或者可以连接(例如,联网)到其他机器。在联网部署中,机器可以作为服务器—客户端网络环境中的服务器或客户端机器操作,或作为对等(或分布式)网络环境中的对等机器操作。该机器可以是个人计算机(PC)、平板电脑、机顶盒(STB)、蜂窝电话、数字照相机、便携式音乐播放器(例如,便携式硬盘驱动器音频设备,如移动图像专家组音频第3层(MP3)播放器)、web装置、网络路由器、交换机、桥接器、或能够执行指定要由该机器采取的动作的一组指令(顺序或其他)的任何机器。此外,虽然仅示出了单个机器,但术语“机器”也应被视为包括单独或共同执行一组(或多组)指令以执行本文所讨论的任何一个或多个方法的机器集合。
示例性计算机系统900包括经由总线910彼此通信的处理器或多个处理器902、硬盘驱动器904、主存储器906和静态存储器908。计算机系统900还可以包括网络接口设备912。硬盘驱动器904可以包括计算机可读介质920,其存储由本文所述的任何一个或多个方法或功能体现或利用的一组或多组指令922。在由计算机系统900执行期间,指令922还可以完全地或至少部分地驻留在主存储器906和/或处理器902内。主存储器906和处理器902也构成机器可读介质。
虽然在示例性实施例中将计算机可读介质920示为单个介质,但是术语“计算机可读介质”应被认为包括单个介质或多个介质(例如,集中式或分布式数据库,和/或相关联的高速缓存和服务器),其存储一组或多组指令。术语“计算机可读介质”还应被视为包括能够存储、编码、或携带由机器执行的一组指令,并且引起机器执行本申请的任何一个或多个方法,或者能够存储、编码、或携带由这样的一组指令使用或与之相关联的数据结构的任何介质。因此,术语“计算机可读介质”应被视为包括但不限于固态存储器、光学和磁性介质。这样的介质也可以包括但不限于硬盘、软盘、NAND或NOR闪存、数字视频盘、RAM、ROM等。
本文描述的示例性实施例可以在包括安装计算机上的计算机可执行指令(例如,软件)的操作环境中,硬件中,或软件和硬件的组合中实现。计算机可执行指令可以用计算机编程语言编写,或者可以体现为固件逻辑。如果用符合公认标准的编程语言编写,则这些指令可以在各种硬件平台上执行并且用于与各种操作系统接口。虽然不限于此,但是用于实现本方法的计算机软件程序可以用任何数量的合适的编程语言来编写,例如C、C++、C#或其他编译器、汇编器、解释器或其他计算机语言或平台。
因此,已经描述了用于通过移动和可穿戴设备进行消息传递、呼叫和单触支付的各种系统和方法。虽然已经参照特定的示例性实施例描述了实施例,但显而易见的是,在不脱离本文描述的系统和方法的更广泛的精神和范围的情况下,可以对这些实施例进行各种修改和改变。因此,说明书和附图被认为是说明性的而不是限制性的。
Claims (10)
1.一种用于通过移动和可穿戴设备进行消息传递、呼叫、单触支付的方法,所述方法包括:
通过所述移动和可穿戴设备的处理器提供用于选择活动模式的集成界面,其中所述活动模式包括消息传递模式、呼叫模式、单触支付模式;
通过所述处理器经由所述集成界面从用户接收对所述活动模式的选择;
如果所述单触支付模式被选择,则向金融组织传送支付请求,其中使用移动和可穿戴设备上的实际页面的数据生成所述支付请求;
通过所述处理器加密与所述单触支付模式相关联的所述支付请求以获得加密的支付请求,其中所述加密的支付请求能够通过与接收者的移动和可穿戴设备相关联的短时消息传递、单触支付和多媒体应用来解密,所述加密的支付请求在被读取之后从所述接收者的移动和可穿戴设备移除;
其中所述短时消息传递、单触支付、多媒体应用与应用协议相关联,所述应用协议被集成到通信平台中;以及
通过所述处理器从所述用户接收在移动支付服务中注册所述用户的注册请求,其中所述用户经由与所述移动和可穿戴设备相关联的移动支付应用发送所述注册请求,所述移动支付应用至少提供免费网络通话VoIP服务和免费过顶OTT业务;
其中所述移动和可穿戴设备包括适于将所述移动和可穿戴设备固定在人体上的带子,其中,所述带子包括被配置成为所述移动和可穿戴设备供电的可再充电电池;
其中所述移动和可穿戴设备包括一个或多个触觉控制元件以控制所述移动和可穿戴设备的操作或功能,并且其中对所述移动和可穿戴设备的访问通过以下各项中的一个或多个来控制:密码、个人标识号代码、生物特征授权,所述生物特征授权包括指纹扫描、手掌扫描、脸部扫描、视网膜扫描,其中使用一个或多个生物测定传感器执行扫描,其中所述一个或多个生物测定传感器包括用于感测单触支付模式命令的传感器,所述感测显示在显示器上,所述移动和可穿戴设备还包括配置成扫描指纹的指纹读取器,扫描的指纹与一个或多个批准的指纹相匹配,其中基于所述匹配授予对所述移动和可穿戴设备的访问;
其中所述移动和可穿戴设备还包括被配置为捕获一个或多个代码的照相机,所述一个或多个代码包括电子密钥数据、到web资源的链接、支付请求、广告信息,其中所述一个或多个代码还包括条形码、线性维度码、二维码、快照标签码;
其中所述方法还包括扫描所述代码,所述代码呈现在单触QR码发票上,所述单触QR码发票存储发票数据、金额汇总、产品数据、服务数据、商家数据、发票号码、待支付金额中的一个或多个,所述单触QR码发票与实际发票、信用票据、借记票据、估价发票和预支付发票中的一个或多个相关联。
2.根据权利要求1所述的方法,其中所述集成界面和与所述移动和可穿戴设备相关联的至少一个移动应用集成到一起。
3.根据权利要求1所述的方法,其中所述消息包括文本、音频、视频、地理数据。
4.根据权利要求1所述的方法,其中经由VoIP服务执行数据网络呼叫。
5.根据权利要求4所述的方法,其中所述VoIP服务经由Wi-Fi、3G网络、4G网络、5G网络或更新的网络提供。
6.根据权利要求1所述的方法,还包括:通过所述处理器根据来自所述用户的请求启动所述集成界面。
7.根据权利要求1所述的方法,其中所述移动和可穿戴设备可操作以获得关于所述用户的支付系统的信息,其中所述移动和可穿戴设备可操作以生成和显示对用户支付信息编码的条形码,所述条形码在结账台处被扫描并被处理以从支付处理系统的数据库检索所述用户支付信息,所述用户支付信息用于在所述用户和商家之间转移资金;
其中所述移动和可穿戴设备与电子支付卡相关联,所述电子支付卡被配置为充当智能卡、感应卡、集成电路卡和磁条卡中的一个或多个卡相关联,所述电子支付卡存储一个或多个借记卡、信用卡、礼品卡、忠诚卡、预付卡、身份证和会员卡的卡数据,其中所述电子支付卡被配置为附加到所述移动和可穿戴设备;
其中单触支付信息被存储在与所述用户相关联的移动和可穿戴设备中,其中所述用户通过将所述移动和可穿戴设备保持在非接触式读取器附近来激活所述移动和可穿戴设备上的单触支付图标来激活所述单触支付模式。
8.根据权利要求2所述的方法,其中所述支付请求包括支付接收者、支付金额和与所述用户相关联的用户财务信息,其中从所述至少一个移动支付应用接收所述支付接收者和所述支付金额,并且所述用户财务信息存储在所述移动和可穿戴设备上。
9.一种消息传递、呼叫和单触支付系统,包括:
处理器,所述处理器被配置为:
提供用于选择活动模式的集成界面,其中所述活动模式包括单触支付模式;
经由所述集成界面从用户接收对所述活动模式的选择;
如果所述单触支付模式被选择,则向金融组织传送支付请求,其中使用移动和可穿戴设备上的实际页面的数据生成所述支付请求;以及
加密与所述单触支付模式相关联的所述支付请求以获得加密的支付请求,其中所述加密的支付请求能够通过与接收者的移动和可穿戴设备相关联的短时消息传递、单触支付、多媒体应用来解密,所述加密的支付请求在读取之后从所述接收者的移动和可穿戴设备移除;
其中所述短时消息传递、单触支付、多媒体应用与应用协议相关联,所述应用协议被集成到通信平台中;以及
从所述用户接收在移动支付服务中注册用户的注册请求,其中所述用户经由与所述移动和可穿戴设备相关联的移动支付应用发送所述注册请求,所述移动支付应用至少提供免费VoIP服务和免费过顶OTT业务;
其中所述移动和可穿戴设备包括适于将所述移动和可穿戴设备固定在人体上的带子,其中所述带子包括被配置成为所述移动和可穿戴设备供电的可充电电池;以及
与所述处理器通信的数据库,所述数据库被配置为至少存储用户财务信息;
其中所述移动和可穿戴设备包括一个或多个触觉控制元件以控制所述移动和可穿戴设备的操作或功能,并且其中对所述移动和可穿戴设备的访问通过以下各项中的一个或多个来控制:密码、个人标识号代码、生物特征授权,所述生物特征授权包括指纹扫描、手掌扫描、脸部扫描、视网膜扫描,其中使用一个或多个生物测定传感器执行扫描,其中所述一个或多个生物测定传感器包括用于感测单触支付模式命令的传感器,所述感测显示在显示器上,所述移动和可穿戴设备还包括配置成扫描指纹的指纹读取器,扫描的指纹与一个或多个批准的指纹相匹配,其中基于所述匹配授予对所述移动和可穿戴设备的访问;
其中所述移动和可穿戴设备还包括被配置为捕获一个或多个代码的照相机,所述一个或多个代码包括电子密钥数据、到web资源的链接、支付请求、广告信息,其中所述一个或多个代码还包括条形码、线性维度码、二维码、快照标签码;
其中所述移动和可穿戴设备还扫描所述代码,所述代码呈现在单触QR码发票上,所述单触QR码发票存储发票数据、金额汇总、产品数据、服务数据、商家数据、发票号码、待支付金额中的一个或多个,所述单触QR码发票与实际发票、信用票据、借记票据、估价发票和预支付发票中的一个或多个相关联。
10.一种用于通过移动和可穿戴设备促进移动设备支付、呼叫和消息收发的方法,所述方法包括:
所述移动和可穿戴设备的处理器在所述移动和可穿戴设备的显示器上提供支付、呼叫和消息收发界面,其中,所述支付、呼叫和消息收发界面包括被配置为感测用户的触觉输入的触觉控件,其中,所述支付、呼叫和消息收发界面还被配置为从预设操作列表接收选择;
所述移动和可穿戴设备的感测单元通过所述触觉控件感测所述触觉输入,其中,所述触觉输入包括用户对所述触觉控件的触摸;
响应于选择的所述支付操作:
所述处理器接收用户将所述移动和可穿戴设备携带到与商家关联的商家设备附近以向商家进行支付的指示,其中,基于感测到所述移动和可穿戴设备与所述商家设备的交互来接收指示,其中,所述交互至少包括近场通信NFC,其中,所述NFC用于在将所述移动和可穿戴设备携带到所述商家设备附近后将所述移动和可穿戴设备与所述商家设备配对,其中,在所述将移动和可穿戴设备与所述商家设备配对后,在所述移动和可穿戴设备与所述商家设备之间至少建立蓝牙连接;
所述处理器基于所述交互接收产品数据和商家数据,所述产品数据和所述商家数据由所述商家设备提供,所述产品数据至少包括与所述支付关联的产品的价格;
所述处理器提示用户提供认证信息,所述提示至少包括在所述移动和可穿戴设备的显示器上显示认证按钮;
所述处理器认证用户的身份,所述认证至少包括生物特征认证,其中,所述生物特征认证包括指纹认证、虹膜图案认证其中,所述指纹认证包括:
当用户触摸以下当中的一者或多者时扫描用户的至少一根手指的指纹:所述移动和可穿戴设备的显示器、所述移动和可穿戴设备的按钮、以及所述移动和可穿戴设备的后面板;以及
将所述指纹与一个或多个批准的指纹进行匹配;
指纹匹配后,所述处理器对与所述支付操作关联的支付请求进行加密以获得加密的支付请求,所述处理器将所述加密的支付请求传输给金融机构;
所述处理器从所述金融机构接收由所述金融机构执行的从用户到商家的所述支付的确认;以及
所述处理器将与所述支付关联的信息存储到与用户关联的所述移动和可穿戴设备的数据库中;
其中,当在选择所述支付操作时由所述移动和可穿戴设备确定的地理位置与商家的地理位置匹配时,部分授权所述支付操作;
响应于选择的所述呼叫操作:
所述处理器在所述移动和可穿戴设备的显示器上提供呼叫界面,以使用户能够通过所述呼叫界面提供呼叫接收者;以及
在接收到所述呼叫接收者后,所述处理器通过数据网络对所述呼叫接收者进行呼叫;
响应于选择的所述消息收发操作:
所述处理器在所述移动和可穿戴设备的显示器上提供消息收发界面,以使用户能够通过所述消息收发界面提供消息和对消息接收者的选择;以及
在接收到所述消息和对所述消息接收者的选择后,所述处理器通过所述数据网络将所述消息发送给所述消息接收者。
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CN201580074650.3A CN107851247B (zh) | 2014-11-27 | 2015-05-31 | 通过移动和可穿戴设备进行消息传递、呼叫、单触支付的方法、系统及计算机可读介质 |
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CN113596715A (zh) | 2021-11-02 |
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CN107851247B (zh) | 2021-08-17 |
CN107851247A (zh) | 2018-03-27 |
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