CN201522726U - Credit card payment system using two-dimensional bar code and mobile phone techniques - Google Patents
Credit card payment system using two-dimensional bar code and mobile phone techniques Download PDFInfo
- Publication number
- CN201522726U CN201522726U CN2009202101942U CN200920210194U CN201522726U CN 201522726 U CN201522726 U CN 201522726U CN 2009202101942 U CN2009202101942 U CN 2009202101942U CN 200920210194 U CN200920210194 U CN 200920210194U CN 201522726 U CN201522726 U CN 201522726U
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- China
- Prior art keywords
- credit card
- mobile phone
- dimension code
- payment system
- recognizing apparatus
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Abstract
The utility model discloses a credit card payment system using two-dimensional bar code and mobile phone techniques, which comprises a mobile phone capable of receiving and storing two-dimensional bar codes, a reading device capable of reading the two-dimensional bar codes displayed on the mobile phone, a credit card identification device and a credit card server. The mobile phone is provided with a display component which is capable of completely displaying images of the two-dimensional bar codes and used for displaying the two-dimensional bar codes containing credit card information. The reading device communicated with the mobile phone is used for reading the two-dimensional bar codes displayed on the mobile phone and decoding and reducing read data into credit card information to be transferred to the credit card identification device. The credit card identification device connected with the reading device and communicated with the credit card server is used for receiving the credit card information and transferring the same to the credit card server. The credit card payment system is capable of realizing credit card payment just by mobile phone terminals.
Description
Technical field
The utility model relates to data identification, data representation, record carrier and treatment of record carrier, especially utilizes the credit card-based payment system of two-dimension code and mobile phone technology.
Background technology
Planar bar code technology is brand-new automatic identification and information carrier technology, have that capacity is big, strong security, the anti-damage and advantages such as error correcting capability is strong, be high capacity such as various certificates or card, high reliability information realize store, carry, with the Perfected process of automatically identifying and reading, progressively false proof etc. as check by financial world's employing.
Given this, the utility model provides a kind of credit card-based payment system that utilizes two-dimension code and mobile phone technology.
The utility model content
The technical matters that the utility model mainly solves is to provide a kind of credit card-based payment system that utilizes two-dimension code and mobile phone technology, will be presented at two-dimension code on the mobile phone as " virtual card ", realizes the pay down of credit card.
In order to solve the problems of the technologies described above, the utility model adopts following technical scheme:
A kind of credit card-based payment system that utilizes two-dimension code and mobile phone technology, this system comprises: have the mobile phone that can receive and store two-dimension code, can distinguish out the recognizing apparatus of the two-dimension code that shows on the mobile phone, Card Verification equipment and credit card server;
Described mobile phone has the complete display unit that demonstrates the two-dimension code figure of energy, is used to show the two-dimension code that comprises credit card information;
Described recognizing apparatus and described mobile phone communications are used to distinguish the two-dimension code that is presented on the mobile phone, and the data decryption after will distinguishing is reduced into credit card information, and are sent to Card Verification equipment;
Described Card Verification equipment links to each other with described recognizing apparatus, and communicates by letter with described credit card server, is used to receive credit card information and sends this information to credit card server.
Further, described credit card server and described mobile phone communications are used for credit card information is weaved into two-dimension code, send on the mobile phone after encrypting; Communication mode between described credit card server and the described mobile phone comprises: by data line transmission, wireless network transmissions, short message mode, multimedia message mode, network download.
Further, described mobile phone also comprises ROM module or the SIM card that can store two-dimension code.
Further, described recognizing apparatus is to link to each other with described Card Verification equipment by RS-232 mouth, infrared, bluetooth, 802.11 wireless networks.
Further, described recognizing apparatus can directly be made one with described Card Verification equipment.
Further, described Card Verification equipment comprise adopt have the RS-232 mouth, infrared, bluetooth or 802.11 radio network functions, traditional financial payment POS that can external recognizing apparatus.
Further, described recognizing apparatus is the recognizing apparatus with CCD, CMOS.
Compared to prior art, the beneficial effects of the utility model are:
1, only needs to realize Credit Card Payments by mobile telephone terminal.Native system is with reception on the mobile phone and show the two-dimension code that comprises credit card information, promptly " virtual card " substitutes traditional entity magnetic stripe card, swipe the card so that the recognition of two-dimension code is alternative, thereby realize the payment of credit card, avoided carrying the inconvenience that many credits card bring, and credit card is lost and stolen trouble of bringing and loss in the past.2, make mobile phone have the function the same with credit card, the consumer only need carry this medium of mobile phone and can realize paying by mails; 3, need not original access is done big change, only need the recognizing apparatus of an additional two-dimension code, can realize above application, so native system is very economical in actual applications.
Description of drawings
Fig. 1 is the synoptic diagram of the utility model system.
Description of symbols among the figure:
1 credit card server, 2 Card Verification equipment, 3 recognizing apparatus
4 mobile phones, 41 display units
Embodiment
Further describe specific embodiment of the utility model below in conjunction with accompanying drawing:
Referring to Fig. 1, a kind of credit card-based payment system that utilizes two-dimension code and mobile phone technology, this system comprises: have the mobile phone 4 that can receive and store two-dimension code, can distinguish out the recognizing apparatus 3 of the two-dimension code that shows on the mobile phone, Card Verification equipment 2 and credit card server 1;
Described mobile phone 4 has the complete display unit 41 that demonstrates the two-dimension code figure of energy, is used to show the two-dimension code that comprises credit card information, and described display unit 41 can be widely used LCD LCDs, TFT LCDs etc.;
Described recognizing apparatus 3 is communicated by letter with described mobile phone 4, is used for the two-dimension code that is presented on the mobile phone 4 is distinguished, and the data decryption after the recognition is reduced into credit card information, and is sent to Card Verification equipment 2;
Described Card Verification equipment 2 links to each other with described recognizing apparatus 4, and communicates by letter with described credit card server 1, is used to receive credit card information and sends this information to credit card server 1.
Further, described credit card server 1 is communicated by letter with described mobile phone 4, is used for credit card information is weaved into two-dimension code, sends on the mobile phone 4 after encrypting; Communication mode between described credit card server 1 and the described mobile phone 4 comprises: by data line transmission, wireless network transmissions, short message mode, multimedia message mode, network download.
Further, described mobile phone 4 also comprises ROM module or the SIM card that can store two-dimension code.
Further, described recognizing apparatus 3 is to link to each other with described Card Verification equipment 2 by RS-232 mouth, infrared, bluetooth, 802.11 wireless networks.
Further, described recognizing apparatus 3 can directly be made one with described Card Verification equipment 2.
Further, described Card Verification equipment 2 comprise adopt have the RS-232 mouth, infrared, bluetooth or 802.11 radio network functions, traditional financial payment POS that can external recognizing apparatus.
Further, described recognizing apparatus 3 is for having the recognizing apparatus of CCD, CMOS.Be the traditional equipment that can support two dimension code reading.
When using native system:
To the corresponding with it two-dimension code of credit card issue mechanism application, application process need be by confirming according to concrete credit card information for the user, and application way can comprise voice, written, network or other modes.The user can also be according to concrete a plurality of credit card informations to the corresponding with it a plurality of two-dimension codes of credit card issue mechanism application, and application process need be by confirming, application way can comprise voice, written, network or other modes.
After native system was weaved into credit card information two-dimension code and encrypted, the mode that can directly store when making mobile phone was stored on the mobile phone.This mode is the use of standard two-dimension code preferably, makes every mobile phone that a two-dimension code that independently comprises credit card information based on credit card issue mechanism and mobile phone manufacturer agreement all be arranged.For example, two-dimension code is stored in the ROM module of placing the mobile phone built-in system, the user buys mobile phone and just has been equivalent to apply for a two-dimension code that comprises credit card information like this, just can enter application by mobile phone, authenticates the credit card program in case buy immediately.In addition, credit card information is weaved into behind the two-dimension code mode that can also directly be stored on the SIM card when buying the mobile phone SIM card or changing the SIN card and is embedded on the mobile phone.
When the user includes the two-dimension code of credit card information by the mobile phone use, need to add user's authentication program, this authentication procedure can be password, fingerprint, IC-card or other modes.Specifically, when the user obtains to include the two-dimension code of credit card information by mobile phone, can open card and confirm authenticating user identification, this authentication procedure can be password, fingerprint, IC-card or other modes, and sends to the affirmation of credit card issue mechanism by voice, network or other modes.In daily use, when the user includes the two-dimension code of credit card information by the mobile phone use, need to add the authenticating user identification program, this authentication procedure can be password, fingerprint, IC-card or other modes.
When the two-dimension code that comprises credit card information in user's mobile phone is being lost, when stolen, should be in time notified credit card issue mechanism to handle with voice, written, network or other modes and report the loss.When the two-dimension code that comprises credit card information in user's mobile phone damage, mistake is deleted or during fault, should be in time applies for corresponding two-dimension code with voice, written, network or other modes again to credit card issue mechanism.
In the native system, the mobile phone user obtains to comprise the embodiment of the two-dimension code (being virtual card) of credit card information by the mode of wireless network, and its concrete steps are as follows:
The mobile phone user is connected to credit card server by wireless Internet access modes such as written, note, call voice, WAP online, internets, carry out the application of two-dimension code virtual card, credit card server carries out identity validation by connecting credit card issue mechanism to the user.
If confirming this user is the holder, credit card server will be received an instruction that comprises credit card information and agree to provide the two-dimension code virtual card from credit card issue mechanism, at this moment, credit card server is weaved into two-dimension code with this information, encrypts the back and sends on user's the mobile phone with forms such as note, multimedia messages.The user is kept at this two-dimension code on the mobile phone, just can access two-dimension code, and has carried out the use of the credit card corresponding with this two-dimension code.
Native system, the mobile phone user can also obtain to comprise the two-dimension code of credit card information under the mode of customization, and embodiment is as follows:
Mode by customization on the mobile phone ROM module just embeds the two-dimension code credit card information when making, the mobile phone user just obtains corresponding credit card information when buying, and accesses two-dimension code in use and uses and get final product.
The mobile phone user is when buying or changing the mobile phone SIM card, telecommunication department has stored the two-dimension code that contains credit card information on user's mobile phone SIM, it comprises credit number etc., like this, when user's mobile phone is changed, also can use the two-dimension code that contained credit card information originally.Similar present mobile STK business.
Description of the present utility model and application are illustrative, are not to want with scope restriction of the present utility model in the above-described embodiments.Here the distortion of disclosed embodiment and change are possible, and the various parts of the replacement of embodiment and equivalence are known for those those of ordinary skill in the art.Those skilled in the art are noted that under the situation that does not break away from spirit of the present utility model or essential characteristic the utility model can be realized with other forms.Under the situation that does not break away from the utility model scope and spirit, can carry out other distortion and change here to disclosed embodiment.
Claims (8)
1. credit card-based payment system that utilizes two-dimension code and mobile phone technology, it is characterized in that, this system comprises: have the mobile phone (4) that can receive and store two-dimension code, mobile phone (4) be can distinguish out and the recognizing apparatus (3) of the two-dimension code that shows, Card Verification equipment (2) and credit card server (1) gone up;
Described mobile phone (4) has the complete display unit (41) that demonstrates the two-dimension code figure of energy, is used to show the two-dimension code that comprises credit card information;
Described recognizing apparatus (3) is communicated by letter with described mobile phone (4), be used for recognition and be presented at two-dimension code on the mobile phone (4), and the data decryption after will distinguishing is reduced into credit card information, and be sent to Card Verification equipment (2);
Described Card Verification equipment (2) links to each other with described recognizing apparatus (3), and communicates by letter with described credit card server (1), is used to receive credit card information and sends this information to credit card server (1).
2. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1, it is characterized in that: described credit card server (1) is communicated by letter with described mobile phone (4), be used for credit card information is weaved into two-dimension code, after encrypting, send on the mobile phone (4).
3. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 2 is characterized in that: the communication mode between described credit card server (1) and the described mobile phone (4) comprises: by data line transmission, wireless network transmissions, short message mode, multimedia message mode, network download.
4. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1 is characterized in that: described mobile phone (4) also comprises ROM module or the SIM card that can store two-dimension code.
5. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1 is characterized in that: described recognizing apparatus (3) is to link to each other with described Card Verification equipment (2) by RS-232 mouth, infrared, bluetooth, 802.11 wireless networks.
6. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1 is characterized in that: described recognizing apparatus (3) is directly made one with described Card Verification equipment (2).
7. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1, it is characterized in that: described Card Verification equipment (2) comprise adopt have the RS-232 mouth, infrared, bluetooth or 802.11 radio network functions, traditional financial payment POS that can external recognizing apparatus (3).
8. the credit card-based payment system that utilizes two-dimension code and mobile phone technology according to claim 1 is characterized in that: described recognizing apparatus (3) is for having the recognizing apparatus of CCD, CMOS.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202101942U CN201522726U (en) | 2009-09-25 | 2009-09-25 | Credit card payment system using two-dimensional bar code and mobile phone techniques |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202101942U CN201522726U (en) | 2009-09-25 | 2009-09-25 | Credit card payment system using two-dimensional bar code and mobile phone techniques |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201522726U true CN201522726U (en) | 2010-07-07 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009202101942U Expired - Lifetime CN201522726U (en) | 2009-09-25 | 2009-09-25 | Credit card payment system using two-dimensional bar code and mobile phone techniques |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104700262A (en) * | 2013-12-10 | 2015-06-10 | 中国银联股份有限公司 | NFC (near field communication) mobile terminal and POS (point of sale) terminal based payment system |
| CN107194688A (en) * | 2017-05-16 | 2017-09-22 | 冯汉江 | In payment system and its method of the offline scenario based on Quick Response Code |
-
2009
- 2009-09-25 CN CN2009202101942U patent/CN201522726U/en not_active Expired - Lifetime
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104700262A (en) * | 2013-12-10 | 2015-06-10 | 中国银联股份有限公司 | NFC (near field communication) mobile terminal and POS (point of sale) terminal based payment system |
| CN104700262B (en) * | 2013-12-10 | 2019-01-18 | 中国银联股份有限公司 | A kind of payment system based on NFC mobile terminal and POS terminal |
| CN107194688A (en) * | 2017-05-16 | 2017-09-22 | 冯汉江 | In payment system and its method of the offline scenario based on Quick Response Code |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| C56 | Change in the name or address of the patentee |
Owner name: SHANGHAI XINDALU YIMA INFORMATION TECHNOLOGY CO., Free format text: FORMER NAME: SHANGHAI IMAGECO INFORMATION TECHNOLOGY CO., LTD. |
|
| CP03 | Change of name, title or address |
Address after: 200050, room 3, 2253 Xuanhua Road, Shanghai, Changning District Patentee after: Shanghai New World Wing Code Information Technology Co.,Ltd. Address before: 200050, room 1, building fourth, building 1232, No. 318 Dingxi Road, Shanghai, Changning District Patentee before: Shanghai New World Wing Code Information Technology Co.,Ltd. |
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| CX01 | Expiry of patent term |
Granted publication date: 20100707 |
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| CX01 | Expiry of patent term |