CN1804888A - RFID and mobile communication network based doit electronic payment method - Google Patents
RFID and mobile communication network based doit electronic payment method Download PDFInfo
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- CN1804888A CN1804888A CNA2005101319458A CN200510131945A CN1804888A CN 1804888 A CN1804888 A CN 1804888A CN A2005101319458 A CNA2005101319458 A CN A2005101319458A CN 200510131945 A CN200510131945 A CN 200510131945A CN 1804888 A CN1804888 A CN 1804888A
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Abstract
The invention provides a petty electron paying method based on RFID and mobile communication network, so that the consumer can combine the small type of RFID and the mobile end and uses the mobile communication network to buy. It comprises the following steps: consumer applies the petty electron paying server and stores some money, the card unit gives the RFID card to the consumer; the consumer can buy in the shop with special card reading machine or by mobile communication network; the shop management sends the sales data to the card unit; the shop applies the sales money to the card unit and the card unit pays to the shop; the consumer charges the RFID card.
Description
Technical field
The present invention relates generally to radio frequency identification (Radio Frequency Identification, hereinafter to be referred as RFID) system and mobile communications network, it is a kind of electric paying method that rfid system is combined with mobile communications network, especially a kind of small-sized rfid card and mobile phone of utilizing of finger integrated, and carries out the mechanism and the method for micropayment in conjunction with mobile communications network.
Background technology
The RFID technology is a kind of of automatic identification technology, promptly carries out the noncontact bidirectional data communication by wireless radio frequency mode, and target is discerned.Need not direct contact by having, need not optical visible at rfid system, swift to operate easy, have waterproof, antimagnetic, long service life, tag storage amount greatly, just in advantages such as encryptions, therefore can be widely used in fields such as production line monitoring automatically, commodity inventory control, logistics, commodity retail.
In the commodity retail field, use the noncash consumption mode very general and widely accepted.The most general noncash consumption mode that adopts both at home and abroad is to use plastic money such as credit card at present, and debit card etc. are consumed.But use the consumption of plastic moneys such as general credit card or debit card to have following shortcoming: plastic money volumes such as (1) credit or debit card are bigger than normal, and inconvenience is being carried, and unfavorablely combining with portable terminal device such as mobile phone; (2) use the credit card cost higher, general businessman need pay about 1%～3% the consumption amount of money to mechanisms such as Unionpay, this cost will inevitably change and adds to the consumer: (3) credit card adopts magnetic stripe to preserve information, security is relatively poor, easily by imitated, usurp: (4) adopt credit card purchase, need to send bills through the mail to the consumer by credit card issuer, this cost can change equally and adds to the consumer: the overdraw function of (5) credit card induces the consumer to surpass the consumer behavior of economic capability easily, and higher credit line also can make the stolen back of credit card bring bigger economic loss to the user simultaneously.
The invention provides a kind of doit electronic payment method, be used for solving the shortcoming that plastic money processes such as present use credit card, debit card exist based on RFID and mobile communications network.With the E-Payment form that the RFID technology combines with mobile communication technology and produces, be a kind of very promising consumption and payment form, can reduce transaction cost, improve the security of concluding the business, just carrying, thereby bringing how new facility to the consumer.
Summary of the invention
The purpose of this invention is to provide a kind of doit electronic payment method, make the consumer can utilize small-sized RFID to combine, and can do shopping by mobile communications network with portable terminal based on RFID and mobile communications network.
For reaching above-mentioned purpose, doit electronic payment method based on RFID and mobile communications network of the present invention, comprise the following steps: that mainly the consumer arrives the application doit electronic payment service of hair fastener unit, and after storing certain amount of money, this hair fastener unit authorizes rfid card and gives this consumer; The consumer holds this rfid card to the businessman's shopping with special card reader, perhaps does shopping by mobile communications network; Businessman returns the purchase transaction data to this hair fastener unit; To this hair fastener unit's application transaction fund, hair fastener unit pays the bill to businessman according to the purchase transaction form in businessman; The consumer supplements with money the account of this rfid card.
For reaching above-mentioned purpose, doit electronic payment method based on RFID and mobile communications network of the present invention, its application system mainly comprises following components: hair fastener unit, after the consumer can arrive these hair fastener unit's applying for electronic payment services and store certain amount of money, this hair fastener unit authorizes RFID and gives this consumer, carries out purchase and consumption for this consumer; Portable equipment can adhere to for rfid card, and the user can be browsed the purchase transaction data on this portable equipment; Rfid card, storage consumer identity information, the consumer relies on this to stick into capable purchase and consumption; Mobile communications network, the consumer can use portable equipment to do shopping by this network, and businessman can send information such as bill to consumer's portable equipment by this network simultaneously; Data transmission network, the special card reader of connection hair fastener unit and businessman is used in and transmits consumer account's information so that allow it to conclude the business, and the purchase transaction data is returned to hair fastener unit, so that businessman is to this hair fastener unit's application transaction fund; Special card reader is arranged in the shop, and the consumer can hold rfid card to the shop with special card reader, treats this special card reader identification and confirms this rfid card for effective card and when having enough remaining sums to consume, and the consumer can carry out purchase and consumption; Contractor is provided with special card reader, and the consumer holds rfid card consumption such as can do shopping; Can supplement the place with money, the consumer can supplement with money its RFID account in this place.
Adopt the inventive method, rfid card and portable equipment are integrated, easy to carry and use; The consumer can browse the purchase transaction data by portable equipment, receive the transaction bill, has reduced and has sent the cost that bill is brought; The consumer can do shopping by portable equipment and mobile communications network, has improved the convenience of shopping; Consumer's the account amount of money that prestores is generally not too big, and can be set to and can not overdraw, thereby has reduced the stolen financial risks of bringing of account.Therefore the inventive method has a lot of new advantage and practical values.
Description of drawings
Fig. 1 is based on the synoptic diagram of the doit electronic payment method of RFID and mobile communications network.The each several part of letter sign is among the figure: A represents hair fastener unit, and B represents portable equipment, and C represents rfid card, and D represents mobile communications network, and E represents data transmission network, and F represents special card reader, and G represents contractor, and H represents to supplement the place with money.
Fig. 2 is based on the transaction flow figure of the doit electronic payment method of RFID and mobile communications network.
Embodiment
Please refer to Fig. 1, a kind of examples of implementation preferably of its expression the inventive method.As shown in the figure, the present invention is based on the doit electronic payment method of RFID and mobile communications network, it comprises: the A of hair fastener unit, and portable equipment B, rfid card C, mobile communications network D, data transmission network E, special card reader F, the G of contractor can supplement place H with money.The consumer can use small-sized rfid card C to combine with portable equipment B, and pays by mobile communications network.
Wherein, the A of this hair fastener unit can be bank and other financial mechanism, but be not confined to these financial institutions, after the consumer can arrive the A of this hair fastener unit application doit electronic payment service and store certain amount of money (for example Renminbi is 3000 yuan), the A of this hair fastener unit promptly authorizes a rfid card C and gives this consumer, carry out purchase and consumption for this consumer, the hair fastener program of credits card such as similar general VISA of this process or MASTER, wherein this rfid card C inside has special radio frequency chip, (this is a general technology for controller and storer, so do not draw among the figure), but storage accounts remaining sum, password is with information such as consumer's identity, and can carry out information transmission by mobile communications network and the A of this hair fastener unit.
Special card reader F, be to be installed among the G of contractor, content in can wireless or wired mode identification rfid card C, the consumer holds rfid card C behind the shop with this special card reader F, need to discern this rfid card C for effectively blocking through this special card reader F, and after enough remaining sums were arranged, this consumer just can carry out purchase and consumption.
This portable equipment B, for example can be a mobile phone or palm PC or the like, can adhere to for this rfid card C and (for example rfid card can be sticked on a side of mobile phone, read and writing information with convenient special card reader F), and an application program (not drawing among the figure) can be set up in its inside, the consumer can use mobile phone B to start this application program, thereby can browse the purchase transaction data by this mobile phone B, and can receive the transaction bill by this mobile phone B, immediately check the transaction bill, can save postage and human cost that the A of hair fastener unit sends bills through the mail like this, reduce the cost that the G of contractor need pay the A of hair fastener unit.In addition, the consumer account can be set to and can not overdraw, when rfid card loss then of the present invention or stolen brush, consumer loss be exactly at most the remaining sum of this RFID account, and because the consumer account generally belongs in the small amount account, avail is not too large, is very little for consumer's economic loss risk therefore, and is little more than general credit or debit card.
This data transmission network E, be to connect special card reader F and the A of hair fastener unit, be used to inquire about consumer's identity information, accounts information, confirm to conclude the business and to carry out, and the purchase transaction data that returns this consumer is to the A of hair fastener unit, so that shop G applies for the transaction fund according to the purchase transaction data to the A of hair fastener unit.
This mobile communications network D can be general mobile communications network, and portable equipment B can carry out the information transmission by this network and the G of contractor, does shopping from the G of contractor with this mobile network D thereby can make the consumer pass through portable equipment B.Simultaneously, the G of contractor also can send the consumption bill to consumer's portable equipment B by this mobile communications network D.
This can supplement place H with money, and the consumer can give its RFID account charging at this place.This place can be the A of hair fastener unit, also can be the place that the G of contractor, ATM (Automatic Teller Machine) etc. have the function of supplementing with money.
With reference to Fig. 2, provided the process flow diagram of the doit electronic payment method that the present invention is based on RFID and mobile communications network among the figure.As shown in the figure, doit electronic payment method based on RFID and mobile communications network of the present invention comprises the following steps: that mainly the consumer arrives the applying for electronic payment services of hair fastener unit, and after storing certain amount of money, this hair fastener unit authorizes rfid card and gives this consumer's (step 1); The consumer holds this rfid card to the businessman shopping with special card reader, perhaps by mobile communications network do shopping (step 2); Businessman returns the (step 3) to this hair fastener unit with the purchase transaction data; Businessman according to the purchase transaction form to this hair fastener unit application transaction fund (step 4); Hair fastener unit pays the bill to businessman's (step 5); The consumer supplements (step 6) with money to the account of this rfid card.
Wherein, in step 1, the consumer can arrive the A of hair fastener unit (bank and other financial mechanism for example, or other have the mechanism of hair fastener qualification) application doit electronic payment service and store certain amount of money (for example Renminbi is 3000 yuan) after, the A of this hair fastener unit promptly authorizes a rfid card C and gives this consumer, carry out purchase and consumption for this consumer, the hair fastener program of credits card such as similar general VISA of this process or Master, wherein this rfid card C inside has special radio frequency chip, (this is a general technology for controller and storer, so do not draw among the figure), but storage accounts remaining sum, password is with information such as consumer's identity, and can carry out information transmission by mobile communications network and the A of this hair fastener unit.In addition, in this step 1, this portable unit B is preferably a mobile phone, an and built-in application program (not drawing among the figure) on this mobile phone, after the consumer starts this application program, can on this mobile phone B, browse the purchase transaction data, can check the transaction bill immediately like this, also can save postage and human cost that the A of hair fastener unit sends bills through the mail.
In this step 2, this special card reader F is installed among the G of contractor, can wireless or wired mode discern the content among this rfid card C, the consumer holds this rfid card C behind the shop that this special card reader F is housed, need to discern this rfid card for effectively blocking through special card reader F, and after enough remaining sums were arranged, this consumer just can begin to carry out purchase and consumption.
In this step 3, the G of this contractor can return the A to this hair fastener unit with the transaction data of every day by data transmission network E; And in step 4, the G of this contractor can be according to this purchase transaction form to the A of this hair fastener unit application consumption fund.
In addition, the doit electronic payment method based on RFID and mobile communications network of the present invention comprises that further the consumer gives the step (step 6) of its RFID account charging.In this step 6, the consumer can arrive ground such as contractor, refuelling station, ATM (Automatic Teller Machine) or hair fastener unit and give the RFID account charging.
In sum, the doit electronic payment method based on RFID and mobile communications network of the present invention, have easy to carry and use, conclude the business into This is lower, use more flexibly, security advantages of higher more, is suitable for the use in the middle of actual.
Claims (8)
1. the doit electronic payment method based on RFID and mobile communications network comprises the following steps: that mainly the consumer arrives the application doit electronic payment service of hair fastener unit, and after storing certain amount of money, this hair fastener unit authorizes rfid card and gives this consumer; The consumer holds this rfid card to the businessman's shopping with special card reader, perhaps does shopping by mobile communications network; Businessman returns the purchase transaction data to this hair fastener unit; To this hair fastener unit's application transaction fund, hair fastener unit pays the bill to businessman according to the purchase transaction form in businessman; The consumer supplements with money the account of this rfid card.
2. according to claim 1 described a kind of doit electronic payment method based on RFID and mobile communications network, it is characterized in that: this card RFID preferably can be attached on the portable equipment.
3. according to claim 2 described a kind of doit electronic payment methods based on RFID and mobile communications network, it is characterized in that: this portable equipment is preferably a mobile phone.
4. according to claim 3 described a kind of doit electronic payment methods based on RFID and mobile communications network, it is characterized in that: a further built-in application program in this mobile phone, the consumer can browse the purchase transaction data by this application program on mobile phone.
5. according to claim 3 described a kind of doit electronic payment methods based on RFID and mobile communications network, it is characterized in that: the consumer can receive information such as transaction bill by mobile phone.
6. according to claim 1 described a kind of doit electronic payment method based on RFID and mobile communications network, it is characterized in that: this special card reader can read the data in this rfid card.
7. according to claim 1 described a kind of doit electronic payment method based on RFID and mobile communications network, it is characterized in that: the consumer can utilize this rfid card and portable equipment, does shopping by mobile communications network.
8. according to claim 1 described a kind of doit electronic payment method based on RFID and mobile communications network, it is characterized in that: the consumer can arrive contractor, ATM (Automatic Teller Machine) or hair fastener unit etc. and locate to its RFID account charging.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101319458A CN1804888A (en) | 2005-12-22 | 2005-12-22 | RFID and mobile communication network based doit electronic payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101319458A CN1804888A (en) | 2005-12-22 | 2005-12-22 | RFID and mobile communication network based doit electronic payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1804888A true CN1804888A (en) | 2006-07-19 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005101319458A Pending CN1804888A (en) | 2005-12-22 | 2005-12-22 | RFID and mobile communication network based doit electronic payment method |
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| Country | Link |
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| CN (1) | CN1804888A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101719249A (en) * | 2009-12-01 | 2010-06-02 | 青岛海信移动通信技术股份有限公司 | Mobile terminal charge/pay system and method based on FRID technology |
| CN101882344A (en) * | 2010-06-23 | 2010-11-10 | 北京天地融科技有限公司 | Method for realizing small payment |
| CN103136697A (en) * | 2011-11-30 | 2013-06-05 | 尹亮 | Handling method, device and system of consumption data |
-
2005
- 2005-12-22 CN CNA2005101319458A patent/CN1804888A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101719249A (en) * | 2009-12-01 | 2010-06-02 | 青岛海信移动通信技术股份有限公司 | Mobile terminal charge/pay system and method based on FRID technology |
| CN101719249B (en) * | 2009-12-01 | 2014-04-16 | 青岛海信移动通信技术股份有限公司 | Mobile terminal charge/pay system and method based on FRID technology |
| CN101882344A (en) * | 2010-06-23 | 2010-11-10 | 北京天地融科技有限公司 | Method for realizing small payment |
| CN101882344B (en) * | 2010-06-23 | 2013-04-03 | 天地融科技股份有限公司 | Method for realizing small payment |
| CN103136697A (en) * | 2011-11-30 | 2013-06-05 | 尹亮 | Handling method, device and system of consumption data |
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Open date: 20060719 |