CN1641667A - Method for supporting mobile payment using barcode as medium - Google Patents

Abstract

The invention relates to a method that the mobile phone with the function of bar code scanning is used to do bar code scanning input for the payment information to support the mobile payment. In the operation of the mobile payment, because of the bar code of the payment information is outputted by the printing device, this can reduce the cost of the traditional payment terminal, print output bar code type, simplify the trading payment process between the customer and the tradesman, improve the service quality; through printing bar code and alternating with the mobile phone by many times, this can be easy to use or exchange complicated encipher certification method to improve the payment safety, and effectively prevent the short distance wireless communication signal from hostility eavesdropping made the secret leaked; the customer does not need to make own mobile phone close to the payment terminal to realize the payment function, this can extend the territorial scope of the mobile payment, prevent the inconvenience caused by the weak alternation ability and easy to submerge in the wireless information or forgetting of the payment information sent directly by the wireless channel, and easy to popularize the mobile payment in large scale.

Description

With the bar code is the method that media is supported mobile payment

Affiliated field

The present invention relates to a kind of consumer and use mobile phone on bar code, to scan the input payment information fast, thereby support the method for mobile payment process with bar code input capability.Information input element in mobile payment, utilize bar code scan equipment, payment information is imported consumer's mobile phone fast, and the consumer finishes the payment and settlement process by the mobile network again on mobile phone, and it is technical fields such as E-business applications and design of hardware and software.Specifically, this method is that a kind of bar code of utilizing is information media, makes dealer cheapness export and to transmit payment information neatly, the quick and convenient input payment information of consumer's energy, thus make the more fast safety of move transaction payment process and with low cost.

Background technology

Flourishing day by day and expand to more wide field along with business activity, contact and mode are complicated day by day, and it is outstanding all the more that the cost of conventional payment process seems, compares traditional bank card business, and mobile payment will become a kind of flexible and efficiently select cheaply.But under current technical conditions, mobile payment universal faces following challenge: payment amount difference, ageing, security requirement and difference, payment process complexity difference, Social Culture development level influence people to the acceptance of mobile payment etc.Because data payment and settlement technology and system be comparative maturity all, the end message input of mobile payment and the cost of mutual link become the bottleneck place in the whole payment link.Have only mode of doing business to have general adaptability, payment process could reduce cost rapidly, but individual process of exchange complicacy objectively makes conventional solution make slow progress on adaptability.Research according to the inventor is concluded, and obtain and the interactive means of current mobile payment information mainly contain following scheme:

---beneficiary directly utilizes mobile network system that payment request information is sent to the consumer.The consumer confirms payment again.Be typically bank and send short messages breath to particular consumer, the consumer imports payment affirmation information more by hand.

---adopt short-distance wireless communication technology payment request information to be sent to consumer's mobile phone.The consumer confirms payment again.Be typically on vending machine or the ATM (automatic teller machine), use infrared communication, bluetooth communication or radio frequency IC card-reading apparatus and mobile communication, the consumer confirms payment again.

In first kind of interactive mode, because there is advertisement in current existing mobile network even often for the negative information of consumer, the consumer is forced to seek payment information at once in big heapinfo and preserves and handle, and on the contrary the consumer is formed extra inconvenience to a certain extent; In case need the project of payment to increase, in the face of a large amount of skimble-scamble manual input instructions, the consumer must be pestered beyond endurance.Be adapted to consumption more at random and to price or the insensitive occasion of process of exchange second kind of interactive mode, but in order to handle regular consumption account, the consumer also must in fact still increase consumer's burden in person near payment terminal; In addition, owing to the short-distance wireless communication mode based on the cost reason in the security consideration a little less than, the monitoring of malice and destruction not only might be destroyed proper process of exchange, and mobile phone itself is exposed in unsafe environment, and for example mobile phone viruses spreads unchecked.Above two kinds of interactive meanses in fact also have some restrictions: can supermatic occasion thereby be only applicable to the fixing simple payment of payment process such as them; For vast medium and small retail dealer, if the equipment cost costliness, they just can't pay and afford to enjoy the facility of mobile payment, and will to face dealer's acceptance not high yet in mobile payment like this, is difficult to the situation that popularizes to more consumers.The occasion that need more link up more or consult in consumer and dealer, terms of trade may repeatedly change, this often takes place in than the payment of wholesale or more random process of consumption, if change the mobile phone that all must be delivered to the consumer by original communication path each time, its cost must rise significantly.

The inventor thinks based on above reason, unless new technological means can provide lower cost and adaptive faculty widely, just the mobile payment means might be popularized fast.

Goal of the invention

The inventor's goal of the invention is: by bar codes technique is introduced mobile payment, can be under the condition that both keeps certain transactions velocity, improve the dirigibility of mobile payment activity, thereby enlarge the adaptability scope of mobile payment in business activity, promote popularizing of mobile payment.

For achieving the above object, the technical scheme that the inventor adopts is: payment information is with bar coding mode record, and the consumer uses mobile phone to read relevant payment information from bar code, thus the finishing of auxiliary moving payment.Because the bar code manufacturing system is with low cost, so retailer or service provider can use printing device to generate payment information according to self-demand at any time; Secondly, bar code is transported in a large number easily and is carried, and makes payment information can be delivered to more wide geographic range apace; And the consumer is owing to carry the equipment that can read in payment information rapidly, and the consumer also can independently determine the time place or the modes of payments of consuming at any time, for the consumer brings more facility; The 3rd, the mode of bar code input information has been eliminated a large amount of as old, the young or special population input obstacle to intelligent apparatus, has enlarged the suitable crowd of mobile payment.It is characterized in that: payment information is record with the bar code and transmits media, and the consumer is read in payment information by oneself mobile phone and carried out mobile payment.

The rule of this scheme and using method are:

A. in mobile-payment system, payment information is by bar code record and transmission.

B. the consumer uses mobile phone to read payment information from bar code, carries out the mobile payment activity.

In payment process, retail or serve manufacturer according to self payment characteristic can be at any time at low cost with bar code output or change payment information, bar code directly or brief introduction when passing to the consumer, time place or mode that the consumer uses the mobile phone of oneself can independently determine to carry out mobile payment.Therefore, this mobile payment has been simultaneously for consumer and retailer have brought more independence and dirigibility, thereby has been fit to the popularization of mobile payment.

Embodiment

Be further described as follows to concrete applicable characteristic of the present invention:

For example, at present bill such as water power coal telecommunication fee is sent every month, must pay to agency in the time of appointment after the consumer receives, and when if the consumer has the many places house property and is in the taxi state, and it is just more to pay the inconvenience that these expenses bring.So in the mobile payment scheme, the account information of these public utilities expenses can use bar code printing on bill fully simultaneously, the consumer only needs to read in paying information with mobile phone in any place in the qualification time limit after receiving bill, carries out account clearing paying by mobile phone and gets final product.And the consumer can receive the affirmation information of having paid at once, and need not specially arrange to go out festivals or holidays to pay, and also avoided a large amount of consumers to concentrate waiting in line the embarrassment of paying the fees at sales counter.Equally, in taxi, receipt printer comes out the paying bar code printing simultaneously, the consumer completes charge with the mobile telephone scanning bar code, taxi and consumer can receive the affirmation of payment center at once, thereby open car door, avoided a large amount of taxi drivers all to carry the trouble of a large amount of zero paper money and cash.Equally, take out in the express delivery industry, the courier only need carry the paying bar code of goods and logistics center printing directly to the destination, in payment process, the consumer just can be at once according to the payment of the content on the bar code, and the courier can receive the affirmation information that logistics center sends simultaneously on mobile phone, in the occasion of express delivery sensitivity, bigger such as the valuable cargo expense, it is convenient especially that clearing require when high.Read in the bar code payment procedure with mobile phone, also make and use the not high crowd of skill level also can grasp and use mobile payment rapidly as the elderly, child etc. to mobile phone in a large number, avoid resembling the complicated learning processes of input method such as SMS input, enlarged suitable crowd's quantity.

The consumer may more be willing to be intended to relatively and after bargaining make purchase decision in many ways fully, and this often takes place in many middle-size and small-size shops.Needs according to the consumer, the transaction situation of goods usually needs again to change, and only need discuss transaction value this moment when transaction, and paying list or the bill of sales of showing new bar code pricing information just can be printed at once in the shop, the new cost of extraneous expense has not made things convenient for consumer's consume activity.In more remote area, the shop need not have a large amount of zero paper money and cashes, and is convenient and safe.In the ordinary course of things, small-sized shop even can use equipment making bar code such as existing common computer printer, and accept the charges paid confirmation with regular handset, and need not resemble expensive POS machine equipment and the line cost of traditional approach investment.

Even adopt the ATM (automatic teller machine) of bar code also will have many advantages, owing to need not and need not adopt direct input equipment with display screen output information, and adopt bar code output, wireless messages to import, the ATM (automatic teller machine) cost is lower and more reliable, more save the energy, can be placed on bigger territorial scope.User's payment and withdraw the money and can finish in the drilling of individual's mobile phone also makes user's individual privacy obtain better protection, has avoided crowding and has operated the awkward scene that everybody surrounds and watches at traditional cash dispenser.

Compare original Credit Card Payments, the bar code media has higher security advantages in conjunction with mobile payment:

At first, Credit Card Payments adopts the signature payment at present, and payment terminal is subjected to man's activity bigger to the affirmation of signing; When existing sales slip is paid, credit card and I.D. may be given the salesman and pay to POS machine place, card number and identification card number may leak, and cause potential risks, such as steal credit card number and I.D. SSN (social security number) just can in current shopping online process, use.The method that private mobile phone adopts the password payment then safety many because following mobile phone may install locating device additional, even mobile phone is stolen, it is also much higher that the user can win the possibility of retrieving a loss, in case and mobile phone power-on, just find the position of mobile phone easily.On the net in the shopping process, use passes to the consumer with paying information, print the paying bar code by the consumer, read in bar code by the consumer with mobile phone again and carry out mobile payment, avoided present internet payment directly to import the pay risk of the leakage of information that brings of credit number and relevant information by the consumer.

Secondly, the mobile phone that can read bar code can combine with multiple communication and cryptographic means and carry out reciprocal process, to realize higher encryption and security performance.Such as the user when cash dispenser is other, the bar code of scanning cash dispenser sends to settlement center earlier, which platform cash dispenser request of withdrawing the money settlement center just knows at once, send the mobile phone of password to this cash dispenser and remittee then, cash dispenser is printed bar code information after the encryption at once and can be read corresponding information with the mobile phone that guarantees to have only the remittee and prevented that also the personation equipment of withdrawing the money from extracting user profile.The remittee is once more with mobile telephone scanning and the bar code after utilizing secret key decryption to encrypt, and inputs the password affirmation of withdrawing the money then.If the wrong input number of times that surpasses user preset of password input repeatedly, settlement center can make this cash dispenser or all cash dispensers stop to this user's payment at once, suspects simultaneously that the user is coerced and near this cash dispenser of police office or user's the position notice immediately.

Moreover, because bar code can be carried more information except that bar code, be convenient to the dealer and carry out other payments and business flexibly.For example, the bar code that different dealers print may contain the information that other have nothing in common with each other, what have can be direct price payment information, what have may be the site information of WAP payment, the kind of having plenty of acceptable credit card, whether what have then can use telecommunications pre-payment or credit payment information, have in addition can be one section payment program code.Except that the direct printing type in traditional shop, can also transmit bar code by fax, and print the paying bar code by internet transmission information to the consumer and realize teleshopping by mobile payment again.Therefore a large amount of dealers can use the payment process that has nothing in common with each other and means to meet the needs of cost and security separately according to self needs, also can download to mobile phone from wireless network with the flow process of bar code coupling separately simultaneously.So compared with fixing Credit Card Payments flow process, the bar code payment is fit to also support simultaneously complicated more commercial payment process and requirement very much, and in case the leak of finding to conclude the business is remedied also very easy.Because bar code printing can be by software control, payment program also can dynamically be downloaded, and is so the conversion stripes coding mode makes things convenient for manyly than changing all credits card, also more flexible than other short-distance wireless input modes.

Definition of the present invention and rule:

1. in the method, the payment information of mobile-payment system writes down and passes to the consumer by bar code.

2. the consumer carries out the mobile payment activity by the mobile phone that bar code information is read in oneself.

In sum, the inventor passes through as above scheme, has reached the inventor's purpose.

Claims (4)

1. one kind is transmitted the method that mobile payment information is supported mobile payment in mobile-payment system: it is characterized in that in the method, payment related information is by the bar code record and pass to the consumer, and the consumer carries out the mobile payment activity by the mobile phone that bar code information is read in oneself.

2. the method for a safe transfer mobile payment information is characterized in that the security of the payment information that transmits to both parties relies on the bar code information that prints to carry out the mutual affirmation mutually of single or multiple with mobile phone via the information of other communication encryption means transmission.

3. the internet payment method of a safety is characterized in that relevant payment information sends particular consumer to by the internet, is printed the bar code that contains payment information and is read in mobile phone by the consumer and carry out mobile payment, has finished the online payment process.

4. as the method as described in the claim 3, it is characterized in that passing to bar code information that particular consumer prints and this consumer by the internet can pass through the safety that the mutual validation-cross of single or multiple is guaranteed payment by the information that oneself mobile phone receives.