CN114926177A - Digital mobile telephone transaction and payment system - Google Patents

Digital mobile telephone transaction and payment system Download PDF

Info

Publication number
CN114926177A
CN114926177A CN202210577000.2A CN202210577000A CN114926177A CN 114926177 A CN114926177 A CN 114926177A CN 202210577000 A CN202210577000 A CN 202210577000A CN 114926177 A CN114926177 A CN 114926177A
Authority
CN
China
Prior art keywords
payment
digital
rmb
amount
mobile phone
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
CN202210577000.2A
Other languages
Chinese (zh)
Inventor
邓晓斌
齐永奎
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.)
Shenzhen Shengbida Communication Co ltd
Original Assignee
Shenzhen Shengbida Communication Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Shengbida Communication Co ltd filed Critical Shenzhen Shengbida Communication Co ltd
Priority to CN202210577000.2A priority Critical patent/CN114926177A/en
Publication of CN114926177A publication Critical patent/CN114926177A/en
Withdrawn legal-status Critical Current

Links

Images

Classifications

    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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]
    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Landscapes

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

Abstract

The present application relates to a digital mobile phone transaction and payment system comprising: the digital RMB storage module is used as a safety carrier of the digital RMB and used for storing the digital RMB on line and/or off line; the limit setting module is used for setting the limit of the digital RMB paid from the security chip in the payment action, and one payment receiving activity comprises a payment action and a payment receiving action; the payment interface synchronization module is used for setting and storing a plurality of payment interfaces and automatically synchronizing the payment interfaces when the payment interfaces are different in the current receipt and payment activities; and the payment behavior verification module is used for setting the payment behavior of the digital RMB and verifying that the payment behavior is correct so as to carry out the payment of the digital RMB. The method and the device have the effect of facilitating the payment of the digital RMB by the digital mobile phone in an off-line state.

Description

Digital mobile telephone transaction and payment system
Technical Field
The application relates to the technical field of digital payment, in particular to a digital mobile phone transaction and payment system.
Background
The digital RMB is legal currency in a digital form issued by China RMB, is equivalent to paper bank notes, is mainly positioned in currency and coins in circulation, and can coexist with physical RMB for a long time, thereby meeting the current demand of the public on the digital form.
With the progress of the popularization of the trial of the digital renminbi, the digital renminbi has already been tried in a plurality of trial cities and trial ranges, and because the payment form of the digital renminbi is the receiving and paying form like cash and the expression form of the digital renminbi is an encrypted character string, the digital renminbi can realize point-to-point distributed payment like cash.
However, since the digital rmb does not have the materialization property of the physical rmb, if the network connection is disconnected, it is inconvenient to perform the payment in an environment requiring network support, and although the point-to-point distributed payment can be performed, it is inconvenient to perform the payment due to different payment interfaces between different types of users.
Disclosure of Invention
To facilitate digital mobile payment between different types of users, the present application provides a digital mobile phone transaction and payment system.
The digital mobile phone transaction and payment system provided by the application adopts the following technical scheme:
a digital mobile phone transaction and payment system comprising:
the digital RMB storage module is used as a safety carrier of the digital RMB and used for storing the digital RMB on line and/or off line;
the amount setting module is used for setting the amount of the digital RMB paid from the security chip in the payment action, and one payment receiving activity comprises a payment action and a payment receiving action;
the payment interface synchronization module is used for setting and storing a plurality of payment interfaces and automatically synchronizing the payment interfaces when the payment interfaces are different in the current receipt and payment activities;
and the payment behavior verification module is used for setting the payment behavior of the digital RMB and verifying that the payment of the digital RMB can be carried out only when the payment behavior is correct.
By adopting the technical scheme, when the digital mobile phone is adopted to carry out transaction and payment of the digital RMB, the digital RMB storage module stores the digital RMB, the limit setting module sets the limit of the payment, the payment interface synchronization module stores a plurality of payment interfaces in advance, when the network connection of the digital mobile phone is in a disconnected state, the payment interface synchronization module carries out synchronization of the payment interfaces through the payment interfaces stored in advance, the payment behavior verification module verifies the payment behavior, when the payment behavior is verified to be correct, the payment of the digital RMB is carried out, thereby being convenient for the digital mobile phone to carry out the payment of the digital RMB in an offline state.
Optionally, the limit setting module includes:
the amount input unit is used for inputting the amount of the digital RMB needing to be paid in the payment behavior;
a limit comparison unit; comparing the inputted amount of the digital RMB with the amount stored in the safety chip, and sending out a corresponding excess prompt when the inputted amount of the digital RMB exceeds the amount limited by single input or when the inputted amount exceeds the upper limit of the amount existing in the safety chip.
By adopting the technical scheme, the amount input unit inputs the amount of the digital RMB in the current payment behavior, and the amount comparison unit compares the amount of the input digital RMB to judge whether the input amount exceeds the amount limit or judge whether the input amount exceeds the holding amount of the digital RMB.
Optionally, the amount setting module further includes:
a limit transferring unit for setting limit modes of the digital RMB, wherein the limit modes comprise a limit mode and an unlimited mode;
when the digital RMB is in the limit mode, the digital RMB paid for once is in the limit range; when in the unlimited amount mode, the amount of the digital RMB paid in a single time is not limited.
By adopting the technical scheme, the transfer limit module limits the limit of the digital RMB transferred out at a single time through the limit mode, reduces the influence caused by error transfer, reduces the limit on the payment of the digital RMB through the unlimited mode, and increases the efficiency of the payment circulation of the digital RMB.
Optionally, the amount input unit includes:
the action recognition subunit is used for recognizing a corresponding action numerical value according to the gesture made by the user;
the numerical value confirming subunit is used for confirming whether the action numerical value is a required numerical value or not to a user;
and the amount input subunit is used for inputting the amount of the digital RMB to be paid when the confirmation result of the numerical value confirmation subunit is positive.
By adopting the technical scheme, the amount of the digital RMB to be paid can be input according to the gesture made by the user.
Optionally, the payment interface synchronization module includes:
the payment interface identification unit is used for identifying whether the receiving and payment interfaces of the receiving and payment parties in the current receiving and payment activities are of the same type;
and the payment interface synchronization unit is used for automatically synchronizing the payment interfaces when the payment interfaces are different in the current receipt and payment activities.
By adopting the technical scheme, the payment interfaces are automatically synchronized when the payment interfaces are in different types.
Optionally, the payment interface synchronization module further includes:
and the payment interface setting unit is used for storing a plurality of payment interfaces corresponding to different payment accounts according to the payment requirements and setting the current payment interface, wherein the payment account is used when the user pays in different social roles.
Optionally, the payment behavior verification module includes:
and the identity authentication unit is used for setting the identities of the receiving and paying parties, verifying the identities of users of the receiving and paying parties in the receiving and paying activities, and performing the payment behavior and the receiving behavior only when the identities are verified.
By adopting the technical scheme, the identity is verified, and the payment behavior and the collection behavior can be carried out only when the identity is verified.
Optionally, the payment verification module further includes:
and the voice verification unit is used for setting and storing the voice for payment, verifying the input voice for payment in the payment receiving activity, and performing the payment action of the digital RMB when the voice verification is passed.
By adopting the technical scheme, the receipt and payment verification can be carried out through the voice verification unit.
Optionally, the payment behavior verification module further includes:
and the gesture verification unit is used for storing and verifying the payment gesture, and the payment behavior of the digital RMB can be carried out when the payment gesture is carried out.
By adopting the technical scheme, the payment behavior can be verified through the payment gesture.
Optionally, the payment verification module further includes:
and the payment angle verification unit is used for storing the payment angle of the digital mobile phone, and the payment behavior of the digital RMB can be carried out when the digital mobile phone is at the payment angle within the specified time or frequency range.
By adopting the technical scheme, the payment behavior can be verified through the payment angle.
Drawings
Fig. 1 is a block diagram of a digital mobile phone transaction and payment system according to an embodiment of the present application.
Reference numerals: 1. a digital RMB saving module; 2. a limit setting module; 21. an amount input unit; 211. an action identification subunit; 212. a numerical value confirmation subunit; 213. a limit input subunit; 22. an amount comparison unit; 23. a transfer limit unit; 3. a payment interface synchronization module; 31. a payment interface identification unit; 32. a payment interface synchronization unit; 33. a payment interface setting unit; 4. a payment behavior verification module; 41. an identity authentication unit; 42. a voice verification unit; 43. a gesture verification unit; 44. a payment angle verification unit.
Detailed Description
The present application is described in further detail below with reference to the attached drawings.
To facilitate digital mobile payment between different types of uses, the present application provides a digital mobile phone transaction and payment system.
The embodiment of the application discloses a digital mobile phone transaction and payment system, referring to fig. 1, comprising:
the digital RMB storage module 1 is used as a safety carrier of the digital RMB to store the digital RMB on line and/or off line. The digital rmb saving module 1 may be a security chip, which is a trusted platform module, and is a device capable of independently generating, encrypting and decrypting a secret key, and has an independent processor and a storage unit inside. In this embodiment, the digital rmb is calculated and stored in the payment process through the security chip, thereby playing the role of a wallet.
Because the digital RMB and the entity RMB are hooked one to one, the payment of the digital RMB also supports point-to-point payment, the entity RMB can give the entity RMB with corresponding amount when in payment, so that the payment is relatively free, and in order to ensure that the amount payment of the digital RMB is consistent with that of the entity RMB, the embodiment is also provided with an amount setting module 2. The amount setting module 2 is used for setting the amount of the digital RMB paid from the security chip in the payment action, and one payment receiving activity comprises the payment action and the collection action. In this embodiment, the payment and collection behavior of the digital rmb is consistent with that of the physical rmb, and when the payment is performed in the physical rmb, the money counting action is performed to measure the payment amount, which is shown in the digital rmb, the payment amount is measured through the amount setting module 2.
The amount setting module 2 includes a plurality of different units, in this embodiment, the amount setting module 2 includes:
the amount input unit 21 is used for inputting the amount of the digital RMB needing to be paid in the current payment behavior. Although the digital RMB is hooked with the entity RMB, the metering unit does not realize the combination of various face values through different face values in the entity paper money due to the particularity of the digital RMB, so the amount of the digital RMB can be paid from the unit with the lowest amount, and the specific amount input needs to be combined with a corresponding use mode.
Therefore, the amount input unit 21 includes:
and the action recognition subunit 211 is configured to recognize a corresponding action value according to a gesture made by the user. In this embodiment, if a digital mobile phone is used to perform a transaction, it is necessary to input a credit in combination with a specific usage scenario of the digital mobile phone, for example, when the digital mobile phone in this embodiment is in a disconnected state, it is necessary to identify a gesture of a user in combination with an identification function of the digital mobile phone itself, for example, when the digital mobile terminal supports a nine-grid number matrix arrangement, the gesture is identified as identifying a number in a corresponding sequence, and when the digital mobile terminal only supports a keyboard input, the gesture is identified as identifying a sequence of a case on the corresponding keyboard, and here, the gesture is identified by an input mode carried by the digital mobile phone itself.
In another embodiment, if there are an acceleration sensor, a direction sensor and a gyroscope sensor in the digital mobile phone, the digital mobile phone may perform motion recognition by regularly moving in the space, for example, if the handheld digital mobile phone draws 7 in the space, it may recognize that the amount to be paid is 7 yuan. Therefore, the action recognition subunit 211 can perform recognition and sensing according to various sensors supported in the digital mobile phone, and can switch to different types of action recognition modes if necessary to recognize the credit value corresponding to the action performed by the user.
When the value required to be reached by the payment is generated after the action recognition, it is further determined whether the input amount value is the required value, so as to reduce errors occurring in the recognition process, and therefore, the electronic payment system further includes a value confirmation subunit 212 for confirming to the user whether the action value is the required value. The numerical value confirmation subunit 212 displays the numerical value to be confirmed through voice prompt, screen display and the like after the action recognition subunit 211 performs the action recognition, so as to provide different applicable people for use, for example, when the user of the digital mobile phone is an blind person, the numerical value confirmation is performed through voice prompt.
An amount input subunit 213, for inputting the amount of the digital rmb to be paid when the result of the confirmation by the numeric value confirmation subunit 212 is yes.
When the payment of the entity RMB is carried out, whether the quantity of the entity RMB is enough to carry out the current payment needs to be checked, and when the payment is carried out through the digital RMB, whether the input amount is larger than the quantity of the digital RMB stored in the digital RMB storage module 1 needs to be judged after the amount is input, so that the payment processing device also comprises an amount comparison unit 22, the amount of the input digital RMB is compared with the amount stored in the safety chip through the amount comparison unit 22, and when the amount of the input digital RMB exceeds the amount limited by single input, or when the input amount exceeds the upper limit of the amount existing in the safety chip, a corresponding excess prompt is sent.
When the excess prompt happens, the user is proved to input the excess limit or the limit upper limit of the digital RMB existing in the safety chip, in order to avoid exceeding the limit upper limit during payment, the limit setting module 2 further comprises:
a transfer limit unit 23 for setting a limit mode of the digital RMB, wherein the limit mode includes a limit mode and an unlimited mode; when the digital RMB is in the limit mode, the digital RMB paid once is in the limit range; when in the unlimited mode, the amount of the digital RMB paid once is not limited. For example, when daily use is performed, when the digital rmb storage module 1 stores five ten thousand yuan worth of digital rmb, the limit mode may be two thousand yuan for each payment of the digital rmb per day, and if the amount input is two ten thousand yuan at a certain payment, the payment is limited, and a prompt is given to indicate that the current payment amount is exceeded.
And the payment interface synchronization module 3 is used for setting and storing a plurality of payment interfaces and automatically synchronizing the payment interfaces when the payment interfaces are different in the current payment and receipt activity. Different payment interfaces are used in different use scenes, the payment interfaces comprise a payment gateway interface, an NFC interface, a Bluetooth interface and the like, for example, when public transport means such as a bus are taken, card swiping operation can be conducted through the NFC interface in a close range to pay digital RMB, when online shopping is conducted, remote online payment can be conducted through the payment gateway interface, and when close-range payment is conducted, payment of the digital RMB can be conducted through Bluetooth.
The payment interface synchronization module 3 includes:
the payment interface identification unit 31 is configured to identify whether the receiving and payment interfaces of the receiving and payment parties in the current receiving and payment activity are of the same type. When the payment party initiates a payment action, the payment interfaces supported by the receiving party are retrieved, whether the receiving and payment interfaces of the receiving party and the payment parties are of the same type is judged, for example, when the receiving party and the payment parties are not subjected to NFC contact payment, the payment interfaces of the receiving party and the payment parties are the same, when the receiving party and the payment parties are in a disconnected state, the payment parties cannot pay through the payment gateway, near field payment is needed, and the near field payment comprises payment carried out by face-to-face NFC or payment carried out by middle-distance Bluetooth.
A payment interface synchronization unit 32, configured to automatically synchronize the payment interfaces when the payment interfaces are different in the current receipt and payment activity. When the mobile phone is in the off-network state, if the payment interface defaulted by one party is retrieved to be NFC payment, if the payment mode defaulted by the payee is to carry out incoming payment through Bluetooth or the like, the payment interface is paid according to the payment function started by both parties, for example, one party supports NFC and Bluetooth payment, the other party only supports Bluetooth payment, the payment interfaces of both parties are synchronized to be Bluetooth payment, if both parties support different payment modes, the payment is carried out according to the payment mode with stronger signals, and the payment mode which can be supported by the payer is taken as priority.
The payment interface synchronization module 3 further includes:
the payment interface setting unit 33 is configured to store a plurality of payment interfaces corresponding to different payment accounts according to payment requirements, and set a current payment interface, where the payment account is an account used when the user pays in different social roles. Different types of payment are required to be carried out in different scenes, so the payment interface is an interface capable of transferring the digital RMB between different platforms, for example, an individual and an enterprise belong to different social roles, different payment interfaces are required to be set according to the difference of the social roles, and different payment interfaces between enterprises and between the enterprise and the individual are respectively butted.
When the setting of the amount of the payer is finished and the payment interfaces of the payer and the receiver are also synchronous, the verification of the payment behavior is needed, so the payment behavior verification module 4 is also included in the application. And the payment behavior verification module 4 is used for setting the payment behavior of the digital RMB and verifying that the payment behavior is correct so as to carry out the payment of the digital RMB.
The payment behavior verification module 4 includes:
and the identity authentication unit 41 is used for setting the identities of the receiving and paying parties, verifying the identities of the users of the receiving and paying parties in the receiving and paying activities, and performing the payment behavior and the receiving behavior only when the identity verification is passed. The identity authentication unit 41 performs identity authentication in the payment behavior authentication, so that a user party who accords with the identity can pay and receive the digital rmb stored in the digital rmb storage module 1, errors occurring in the payment and receiving processes are avoided as much as possible, and the authentication mode can be fingerprint authentication, facial recognition authentication and the like. For example, when the user a pays the user b, the identity authentication unit 41 verifies the identities of the user a and the user b, and when the identity verification is passed, the user can pay and receive the digital rmb.
The identity authentication unit 41 includes:
and the identity storage subunit is used for setting and storing the identity of the owner of the digital RMB when the digital RMB is used for the first time. The same attribute as the payment attribute of the physical renminbi, the digital renminbi stored in the digital renminbi storage module 1 of any user can represent that the current user holds the digital renminbi, and the identity of the owner is changed after the payment of the digital renminbi is completed.
And the identity authentication subunit is used for authenticating the identity of the user paying the digital RMB in the payment and receipt activities, and the payment activities and the receipt activities can be carried out only when the identity authentication is passed.
Different digital mobile phones are provided with different functions and are applied to different user groups, so in order to enable the different user groups to use the digital rmb, the payment behavior verification module 4 further includes:
and a voice verification unit 42 for setting and storing a voice for payment, verifying the input receipt and payment voice during receipt and payment activities, and performing payment of the digital RMB only when the voice verification is passed. When the display function of the digital mobile phone is inconvenient, the verification can be carried out through the voice verification unit 42, the voice verification unit 42 verifies the voice information which is unique for payment of the user and is stored, for example, the preset voice information for payment is authorized transfer, the voice information is identified doubly according to different tone data of different users and the identified voice information content, but when the voice information is in a confidential state, the voice information can be replaced conveniently, and the confidentiality is increased.
When the user is in a public space and is not convenient to pass the authentication and the voice authentication, the payment behavior authentication can be performed in other authentication modes, and the payment behavior authentication module 4 further includes:
and a gesture verification unit 43 for saving and verifying the payment gesture, wherein the payment action of the digital RMB can be performed when the payment gesture is performed. Similar to the amount input unit 21, the gesture verification unit 43 verifies the identity of the user according to the gesture made by the user. In this embodiment, when the digital mobile phone is in the disconnected state, the gesture of the user needs to be recognized by combining the recognition function of the digital mobile phone itself, for example, when the digital mobile terminal supports the nine-grid digital matrix arrangement, the gesture is recognized as recognizing the number in the corresponding sequence, and when the digital mobile terminal supports only the keyboard input, the gesture is recognized as recognizing the sequence of the cases on the corresponding keyboard, which is recognized by the input mode of the digital mobile phone itself.
In another embodiment, if there are an acceleration sensor, a direction sensor and a gyroscope sensor in the digital mobile phone, the digital mobile phone may perform motion recognition by regularly moving in the space, for example, if the handheld digital mobile phone draws 7 in the space, it may recognize that the amount to be paid is 7 yuan. Therefore, the motion recognition subunit 211 can perform recognition and sensing according to various sensors supported in the digital mobile phone, and can switch to different motion recognition modes to perform gesture verification and further perform identity verification if necessary.
The payment behavior verification module 4 further includes:
and a payment angle verifying unit 44 for saving the payment angle of the digital mobile phone, so that the digital RMB can be paid when the digital mobile phone is at the payment angle within a specified time or number of times. For example, when the user performs payment behavior verification through the payment angle, within five seconds, the corresponding payment can be performed by deflecting the angle of the digital mobile phone to forty-five degrees, or within two seconds, the digital mobile phone is horizontally placed, and the direction of one end of the digital mobile phone faces the north or other specified directions. In this embodiment, a plurality of different sensors such as a gyroscope sensor are stored in the digital mobile terminal to commonly sense the digital mobile terminal.
The implementation principle of the digital mobile phone transaction and payment system in the embodiment of the application is as follows: when the transaction and payment of the digital RMB are carried out by adopting a digital mobile phone, the digital RMB is stored by a digital RMB storage module 1, the amount setting module 2 sets the amount of the payment, a plurality of payment interfaces are stored in advance by a payment interface synchronization module 3, when the network connection of the digital mobile phone is in a disconnected state, the payment interface synchronization module 3 carries out the synchronization of the payment interfaces through the pre-stored payment interfaces, a payment behavior verification module 4 verifies the payment behavior, and when the payment behavior is verified to be correct, the payment of the digital RMB is carried out, so that the digital RMB can be conveniently paid when the digital mobile phone is in an offline state.
The above embodiments are preferred embodiments of the present application, and the protection scope of the present application is not limited by the above embodiments, so: all equivalent changes made according to the structure, shape and principle of the present application shall be covered by the protection scope of the present application.

Claims (10)

1. A digital mobile telephone transaction and payment system, comprising:
the digital RMB storage module (1) is used as a safety carrier of the digital RMB to store the digital RMB on line and/or off line;
the amount setting module (2) is used for setting the amount of the digital RMB paid from the security chip in the payment action, and one payment receiving activity comprises a payment action and a payment receiving action;
the payment interface synchronization module (3) is used for setting and storing a plurality of payment interfaces and automatically synchronizing the payment interfaces when the payment interfaces are different in the current receipt and payment activities;
and the payment behavior verification module (4) is used for setting the payment behavior of the digital RMB and verifying that the payment behavior is correct so as to carry out the payment of the digital RMB.
2. The digital mobile phone transaction and payment system of claim 1, wherein the credit setting module (2) comprises:
an amount input unit (21) for inputting the amount of the digital RMB to be paid in the current payment behavior;
a quota comparison unit (22); comparing the inputted amount of the digital RMB with the amount stored in the safety chip, and sending out a corresponding excess prompt when the inputted amount of the digital RMB exceeds the amount limited by single input or when the inputted amount exceeds the upper limit of the amount existing in the safety chip.
3. The digital mobile phone transaction and payment system of claim 2 wherein the credit setting module (2) further comprises:
a transfer limit unit (23) for setting the limit mode of the digital RMB, wherein the limit mode comprises a limit mode and an unlimited mode;
when the digital RMB is in the limit mode, the digital RMB paid for once is in the limit range; when in the unlimited mode, the amount of the digital RMB paid in a single payment is not limited.
4. The digital mobile phone transaction and payment system of claim 2, wherein the credit input unit (21) comprises:
the action recognition subunit (211) is used for recognizing a corresponding action numerical value according to a gesture made by a user;
a value confirmation subunit (212) for confirming to a user whether the action value is a required value;
an amount unit (213) for inputting the amount of the digital RMB to be paid out when the result of the confirmation by the value confirming subunit (212) is yes.
5. Digital mobile phone transaction and payment system according to claim 1, wherein said payment interface synchronization module (3) comprises:
a payment interface identification unit (31) for identifying whether the receiving and payment interfaces of the receiving and payment parties in the current receiving and payment activities are of the same type;
a payment interface synchronization unit (32) for automatically synchronizing the payment interfaces when they are different in a current payment receipt activity.
6. Digital mobile phone transaction and payment system according to claim 1, characterized in that said payment interface synchronization module (3) further comprises:
and the payment interface setting unit (33) is used for storing a plurality of payment interfaces corresponding to different payment accounts according to the payment requirements and setting the current payment interface, wherein the payment account is used when the user pays in different social roles.
7. The digital mobile phone transaction and payment system of claim 1, wherein the payment behavior verification module (4) comprises:
and the identity authentication unit (41) is used for setting the identities of the receiving and paying parties, verifying the identities of the users of the receiving and paying parties in the receiving and paying activities, and performing the payment behavior and the receiving behavior only when the identity verification is passed.
8. The digital mobile phone transaction and payment system of claim 1, wherein the payment behavior verification module (4) further comprises:
and a voice verification unit (42) for setting and storing the voice for payment and verifying the input receipt and payment of the voice in the receipt and payment activity, and performing the payment of the digital RMB when the voice verification is passed.
9. The digital mobile phone transaction and payment system of claim 8 wherein said payment behavior verification module (4) further comprises:
and the gesture verification unit (43) is used for saving and verifying the payment gesture, and the payment behavior of the digital RMB can be carried out when the gesture is in the payment gesture.
10. The digital mobile phone transaction and payment system of claim 1, wherein the payment behavior verification module (4) further comprises:
and a payment angle verification unit (44) for saving a payment angle of the digital mobile phone, wherein the payment of the digital RMB can be performed by a party when the digital mobile phone is at the payment angle within a specified time or number of times.
CN202210577000.2A 2022-05-25 2022-05-25 Digital mobile telephone transaction and payment system Withdrawn CN114926177A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210577000.2A CN114926177A (en) 2022-05-25 2022-05-25 Digital mobile telephone transaction and payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210577000.2A CN114926177A (en) 2022-05-25 2022-05-25 Digital mobile telephone transaction and payment system

Publications (1)

Publication Number Publication Date
CN114926177A true CN114926177A (en) 2022-08-19

Family

ID=82809899

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210577000.2A Withdrawn CN114926177A (en) 2022-05-25 2022-05-25 Digital mobile telephone transaction and payment system

Country Status (1)

Country Link
CN (1) CN114926177A (en)

Similar Documents

Publication Publication Date Title
CN101496344B (en) Method and system having self-setting authentication formula for webs bank payment and identification confirmation
KR101699897B1 (en) A personalized multifunctional access device possessing an individualized form of authenticating and controlling data exchange
US8275714B2 (en) Method for performing a digital cash transaction
US6990586B1 (en) Secure data transmission from unsecured input environments
US20060032905A1 (en) Smart card network interface device
AU2020284171A1 (en) Method, device and system for transferring data
CN102411817B (en) Method and system for identifying bank self-service machine
CN103376896A (en) Method for electronic code drawing by eyes and electronic payment verification method
CN103873244A (en) Identity authentication method and system in mobile payment based on fingerprint identification
CN101794479A (en) Bank card making system and card exchanging system
JPH11345264A (en) Payment system and paying method
CN101308557A (en) Method for implementing secured electronic charging
JP6904571B2 (en) Payment systems, user terminals and methods executed by them, payment devices and methods executed by them, and programs
CN110494878A (en) It is remitted money by telecom operators via the digital properties of telephone number
CN109087091B (en) Account transaction safety system and method
CN102184497A (en) Electronic transaction system and payment method with telegraph number as account number
CN108431848A (en) The commission of transaction
CN201629005U (en) Bank card making system and bank card changing system
CN101127954B (en) A method for transmitting data via mobile phone dialing communication or GRPS packet communication technology
CN104574691B (en) A kind of method for processing business and system based on automatic teller machine
CN101443722A (en) Wireless telecommunication device with output control function and transaction authentication system using the same
JPWO2005062219A1 (en) Personal information storage device and portable terminal
CN202210325U (en) System for identifying bank self-service device
CN114926177A (en) Digital mobile telephone transaction and payment system
US20140074725A1 (en) Financial transactions with a varying pin

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
WW01 Invention patent application withdrawn after publication
WW01 Invention patent application withdrawn after publication

Application publication date: 20220819