CN202102499U - Mobile phone on-site payment terminal and system applying barcode technology - Google Patents
Mobile phone on-site payment terminal and system applying barcode technology Download PDFInfo
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- CN202102499U CN202102499U CN2010206715363U CN201020671536U CN202102499U CN 202102499 U CN202102499 U CN 202102499U CN 2010206715363 U CN2010206715363 U CN 2010206715363U CN 201020671536 U CN201020671536 U CN 201020671536U CN 202102499 U CN202102499 U CN 202102499U
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Abstract
The utility model relates to the technical field of on-site payment and discloses a mobile phone on-site payment terminal and system applying barcode technology. When on-site payment is required, barcodes in a mobile phone are scanned by the on-site payment terminal; the scanned barcodes are converted into corresponding numbers; passwords input by users are obtained; the numbers and the passwords are sent to a third-party payment platform so that payment operation can be executed by the third-party payment platform according to the numbers and the passwords; and an operation result returned by the third-party payment platform is received and displayed. By utilizing the utility model, users can simply and conveniently realize on-site payment through mobile phones without carrying cards and binding account numbers onto mobile phone cards.
Description
Technical field
The utility model relates to the on-site payment technology, is specifically related to a kind of mobile phone on-site payment terminal and system that uses barcode technology.
Background technology
E-Payment is meant the litigant of electronic transaction, comprises consumer, manufacturer and financial institution, E-Payment means safe in utilization, the monetary payoff or the fund flow that carry out through network.The type of service of paying by mails is divided into online payment, phone-payment, mobile payment, point of sales terminal (hereinafter to be referred as the POS machine) transaction, ATM transaction and other E-Payments by electronic payment instruction initiation mode.
At present, people use maximum modes of payments to remain the transaction of POS machine.The basic function of POS machine comprises: magnetic stripe card, IC-card, non-contact card read (or writing) function; Conclude the business and the communication function of information bidirectional such as management transmission through network and host computer; Stores processor function to relevant information, instruction; Be used for carrying out mutual authentication with card and host computer, the function of keeping secret that enciphering/deciphering communication and various key are deposited; Be used for keyboard input, screen display and bill printing function etc. with man-machine interaction.
In this modes of payments, need to rely on card (bank card, credit card, IC-card etc.) and accomplish transaction.Can make troubles to the user undoubtedly and go out to carry a large amount of cards.
For this reason, in the prior art, along with the development of mobile communication technology, mobile-phone payment a kind of new modes of payments appearred, i.e..In this modes of payments, need be to the mobile phone card with credit card or bank card binding, the technology of main flow is NFC (short-range communication) technology at present.Mobile phone terminal needs a kind of new SIM, and built-in NFC chip, implants information such as user profile, bank's card number; Can bring many potential safety hazards and the inconvenience of going through the formalities to the user, such as, in case mobile phone is lost or is stolen; Then payment accounts just might be had things stolen, and causes damage to the user; In addition, if the user has changed phone number, then need to contract again and could use this payment function.
The utility model content
The utility model embodiment provides a kind of mobile phone on-site payment terminal and system that uses barcode technology, need not to carry card, does not also need number of the account is tied on the mobile phone card, realizes on-site payment through mobile phone simply and easily.
For this reason, the utility model embodiment provides following technical scheme:
A kind of on-site payment terminal comprises:
Scanning element is used for when the needs on-site payment bar code in the scanning cell phone;
Converting unit is used for converting the bar code that said scanning element scans into corresponding number;
The password acquiring unit is used to obtain the password of user's input;
Transmitting element is used for said number and password are sent to third party's payment platform, so that said third party's payment platform is carried out delivery operation according to said number and password;
Receiving element is used to receive the operating result that third party's payment platform returns;
Display unit is used to the operating result that shows that said third party's payment platform returns.
A kind of on-site payment system comprises: the on-site payment terminal and the third party's payment platform that connect through network;
Said on-site payment terminal is used for when the needs on-site payment bar code in the scanning cell phone; Convert the bar code that scans into corresponding number; Obtain the password of user's input; Said number and password are sent to third party's payment platform; Reception also shows the operating result that third party's payment platform returns; Said bar code is when the user of said mobile phone registers, and said third party's payment platform is handed down to said mobile phone and is stored in the corresponding bar code of registering with said user in the said mobile phone of account number; Or request during on-site payment after the user lands said third party's payment platform through said mobile phone, said third party's payment platform is handed down to said mobile phone and the corresponding bar code of account number said user's registration;
Said third party's payment platform is used to receive number and the password that send at said on-site payment terminal, and accomplishes delivery operation according to said number and password, and to said on-site payment terminal return result.
The hand set paying method of the application barcode technology that the utility model embodiment provides, on-site payment terminal and system; The electronic form that payment account is converted to bar code is presented on the mobile phone; And be applied to on-site payment; Thereby eliminated the dependence of payment account, made that to handle mobile-phone payment more simple the mobile phone card; The user goes out shopping and also need not to carry all kinds of payment cards; And, carry out on-site payment with the form of bar code, promptly can read bar code information through general scanning device, operation and realization are simple, user-friendly.
Description of drawings
Fig. 1 is the process flow diagram that the utility model embodiment uses the hand set paying method of barcode technology;
Fig. 2 is a kind of structural representation at the utility model embodiment on-site payment terminal;
Fig. 3 is a kind of networking synoptic diagram of the utility model embodiment on-site payment system;
Fig. 4 is a kind of structural representation of third party's payment platform in the utility model embodiment on-site payment system;
Fig. 5 is the another kind of structural representation of third party's payment platform in the utility model embodiment on-site payment system.
Embodiment
Two-dimensional bar code (2-dimensional bar code) is to use certain specific geometric figure chequered with black and white graphic recording data symbol information that (on the two-dimensional directional) distributes on the plane according to certain rules; On coding, utilize " 0 ", the notion of " 1 " bit stream that constitutes the computer-internal logical foundations dexterously; Use several and the corresponding geometrical body of scale-of-two to represent the literal numerical information, handle automatically with realization information through image input device or photoelectric scanning device automatically identifying and reading: it has some general character of barcode technology: every kind of code system has its specific character set; Each character occupies certain width; Has certain verifying function etc.Also have simultaneously the automatic recognition function of the information of different rows, and characteristics such as processing graphics rotation change.At present, 2D bar code technology has been widely used in aspects such as electronic bill, evidence, electronic coupons, electronics delivery of cargo certificate.
Bar code (barcode) is a plurality of secret notes and the blank that width is not waited, and arranges according to certain coding rule, in order to express the graphical identifier of one group of information.Common bar code is the pattern of parallel lines that the secret note (abbreviation bar) that differed greatly by reflectivity and informal voucher (being called for short empty) are lined up.Bar code can mark many information such as producing country, manufacturing firm, trade name, date of manufacture, book classification number, mail start-stop place, classification, the date of article, thereby has all obtained using widely in many fields such as circulation of commodities, taking care of books, postal management, banking systems.
The utility model embodiment provides a kind of mobile phone on-site payment terminal and system that uses barcode technology; In order to satisfy the convenience and the security of people's shopping; In conjunction with above-mentioned two-dimensional bar code or bar codes technique, convert payment accounts the electronic information of bar code form into, be applied to on-site payment.
As shown in Figure 1, be the process flow diagram that the utility model embodiment uses the hand set paying method of barcode technology, may further comprise the steps:
Said bar code can be to be stored in advance in the mobile phone, also can be that user's said third party's payment platform when the request on-site payment is handed down to said mobile phone.
Such as, when the user of said mobile phone registers, said third party's payment platform will be issued to said mobile phone with the corresponding bar code of account number of said user registration, and mobile phone is received after the said bar code it in local internal memory.
For another example; For the further security of the said bar code of assurance, and save phone memory, when the user registers; Said third party's payment platform generates the bar code corresponding with the account number of said user's registration and it is kept on third party's payment platform, is not handed down to said mobile phone.When the user need carry out on-site payment through mobile phone; Land said third party's payment platform request on-site payment; After said third party's payment platform is received request, will be handed down to said mobile phone with the corresponding bar code of account number of said user's registration, said mobile phone is stored in this bar code in the scratchpad area (SPA); Behind the on-site payment terminal scanning, can it be deleted.
The form of said bar code can be: bar code or two-dimensional bar code, and specifically select for use which kind of bar code form to be provided with by payment system as required; Certainly payment system also can be supported the on-site payment of these two kinds of forms simultaneously, and when the user registered, account number corresponding strip sign indicating number and two-dimensional bar code that the user is registered all were handed down to said mobile phone, were selected for use according to the needs of own or system in use by the user.
Said third party's payment platform can be provided with all kinds of payment account and corresponding bar code in advance; When the user registers; Generate and this corresponding bar code of account number user's registration; And the corresponding relation of this number (registered number of the account) and bar code is synchronized on intrasystem all on-site payment terminals, so that each on-site payment terminal supports this user to use the electronic information of bar code form to accomplish on-site payment.Under this mode, if there is new account number to be registered, then needs are synchronized to the corresponding relation of this number and bar code on each on-site payment terminal in real time.
Certainly, said third party's payment platform also can be synchronized to the corresponding relation of all numbers that are provided with in advance (comprising registered number of the account and unregistered number of the account) with bar code on intrasystem all on-site payment terminals.Under this mode,, then need not to carry out in real time synchronously if there is new account number to be registered.But this mode does not have above-mentioned in real time synchronous mode more flexible.
The number that said on-site payment terminal issues the third party's payment platform that receives and the corresponding relation of bar code are stored in this locality, and convert the bar code that scans into corresponding number according to said number with the corresponding relation of bar code.
Need to prove that the method for the utility model embodiment does not limit above-mentioned these implementations, in practical application, also have more distortion.Such as, in order to save the storage resources at on-site payment terminal, said third party's payment platform can not be synchronized to said corresponding relation on each on-site payment terminal yet; But be kept at this locality; When the user carried out on-site payment, the on-site payment terminal scanning was not changed after obtaining the bar code in the user mobile phone; But directly said bar code information is sent to said third party's payment platform, by third party's payment platform it is changed.In addition, said third party's payment platform can not be synchronized to said corresponding relation on each on-site payment terminal yet, but is kept in the database, when needing at said on-site payment terminal, from this database, obtains corresponding information.
For the security of guaranteeing payment, can all need the user to input corresponding password to each Payment Request.
It is thus clear that; The utility model embodiment uses the hand set paying method of barcode technology, in conjunction with above-mentioned two-dimensional bar code or bar codes technique, payment accounts is converted into the electronic information of bar code form; Be applied to on-site payment; The user is done shopping need not to carry various payment cards, and need not user account number and mobile phone card are bound, satisfied the convenience and the security of people's shopping.
In the utility model embodiment, can directly accomplish delivery operation by said third party's payment platform, when be third party's payment accounts such as the account number of said user registration, said third party's payment platform receives the number and the password of said on-site payment terminal transmission; If the number of the account of said number and user registration is complementary, and the account number cipher of said password and user's setting is complementary, and then carries out delivery operation; After operation is accomplished, to said on-site payment terminal return result.
In addition; Can also offer the interface with each bank and other consumption clearing mechanisms, make the user pass through bank account (account number such as user's registration is an account No.) or other message settlement accounts (such as the number of the account of user's registration for supporting member's card number of this modes of payments) and carry out on-site payment.
The account number of registering with the user below is that the situation of account No. describes.
In this case, after said third party's payment platform receives the number and password that sends at said on-site payment terminal; Need said number and password be sent to the bank settlement system, so that the bank settlement system carries out settlement operations; Receive the operating result that the bank settlement system returns then, and said operating result is sent to said on-site payment terminal.
Need to prove; Carry out number and password between said on-site payment terminal and the said third party's payment platform and between said third party's payment platform and the said bank settlement system when transmitting; Can adopt cipher mode, with the security of information in the abundant assurance network transmission process.
Correspondingly, the utility model embodiment also provides a kind of on-site payment terminal, and is as shown in Figure 2, is a kind of structural representation at this on-site payment terminal.
Said on-site payment terminal 200 comprises:
Converting unit 202 is used for converting the bar code that said scanning element 201 scans into corresponding number;
Transmitting element 204 is used for said number and password are sent to third party's payment platform, so that said third party's payment platform is carried out delivery operation according to said number and password;
Receiving element 205 is used to receive the operating result that third party's payment platform returns;
Need to prove that said scanning element 201 can be a scanning device independently, also can integrate with other unit.
In said on-site payment terminal, said receiving element 205 also can be further used for receiving the number that said third party's payment platform issues and the corresponding relation of bar code.
Correspondingly, said on-site payment terminal 200 also can further comprise: storage unit (not shown) is used to store the number that said third party's payment platform issues and the corresponding relation of bar code.Said converting unit 202 specifically is used for converting the bar code that scans into corresponding number according to said corresponding relation.
Need to prove that said bar code can be when the user of said mobile phone registers, said third party's payment platform is handed down to said mobile phone and is stored in the corresponding bar code of registering with said user in the said mobile phone of account number; Can also be request during on-site payment after the user lands said third party's payment platform through said mobile phone, said third party's payment platform be handed down to said mobile phone and the corresponding bar code of account number said user's registration.Its concrete form can be bar code and/or two-dimensional bar code.The number of the account of user's registration can be third party's payment accounts, account No. etc.
It is thus clear that; The on-site payment terminal of the utility model embodiment in conjunction with above-mentioned two-dimensional bar code or bar codes technique, converts payment accounts into the electronic information of bar code form; Be applied to on-site payment; The user is done shopping need not to carry various payment cards, and need not user account number and mobile phone card are bound, satisfied the convenience and the security of people's shopping.
The on-site payment terminal of the utility model embodiment can be applied in various consumption clearing place, can utilize existing P OS machine, and dispose corresponding scanning device and application system, realizes simple, flexible and convenient to use.
Correspondingly, the utility model embodiment also provides a kind of on-site payment system, and is as shown in Figure 3, is a kind of networking synoptic diagram of this system.
In this system, comprise the on-site payment terminal 301 and third party's payment platform 302 that connect through network.Wherein:
Said on-site payment terminal 301 is used for when the needs on-site payment bar code in the scanning cell phone; Convert the bar code that scans into corresponding number; Obtain the password of user's input; Said number and password are sent to third party's payment platform 302; Reception also shows the operating result that third party's payment platform 302 returns; Said bar code is when the user of said mobile phone registers, and said third party's payment platform is handed down to said mobile phone and is stored in the corresponding bar code of registering with said user in the said mobile phone of account number; Or request during on-site payment after the user lands said third party's payment platform through said mobile phone, said third party's payment platform is handed down to said mobile phone and the corresponding bar code of account number said user's registration;
Said third party's payment platform 302 is used to receive number and the password that send at said on-site payment terminal 301, and accomplishes delivery operation according to said number and password, and to said on-site payment terminal 301 return results.
The concrete structure at said on-site payment terminal 301 can repeat no more at this with reference to the description of front.
The utility model embodiment on-site payment system can independently accomplish customer consumption clearing, also can with bank or other settlement systems networking, realize the payment of user bank or other balance account, to lifting the row explanation respectively below this.
As shown in Figure 4, be a kind of structural representation of third party's payment platform in the utility model embodiment on-site payment system.
In this embodiment, suppose that the account number that the user registers is third party's payment accounts.
Said third party's payment platform 400 comprises:
First judging unit 402 be used to judge whether the number of the account of said number and user's registration is complementary, and whether the account number cipher of said password and user's setting is complementary;
Transmitting element 404 as a result, are used for after said performance element 403 is carried out the delivery operation completion, to said on-site payment terminal return result.
As shown in Figure 5, be the another kind of structural representation of third party's payment platform in the utility model embodiment on-site payment system.
In this embodiment, suppose that the account number that the user registers is a Bank Account Number.
Said third party's payment platform 500 comprises:
Information transmitting unit is used for after said second judging unit 502 judges that the number of the account of said number and user's registration is complementary, said number and password being sent to the bank settlement system, so that the bank settlement system carries out settlement operations;
Receiving element 503 as a result, are used to receive the operating result that the bank settlement system returns;
Transmitting element 504 as a result, are used for said operating result is sent to said on-site payment terminal.
Certainly, among the utility model embodiment, said third party's payment platform is not limited in the structure shown in above-mentioned, in practical application, other distortion can also be arranged, such as, support native system account clearing and bank account clearing simultaneously.Correspondingly, each unit shown in above-mentioned Fig. 4 and Fig. 5 is the division on the logic function, and in reality realized, each unit can physically separate, and also can integrate, and embodiment does not do qualification to this utility model.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and identical similar part is mutually referring to getting final product between each embodiment, and each embodiment stresses all is the difference with other embodiment.Especially, for system embodiment, because it is basically similar in appearance to method embodiment, so describe fairly simplely, relevant part gets final product referring to the part explanation of method embodiment.System embodiment described above only is schematic; Wherein said unit as the separating component explanation can or can not be physically to separate also; The parts that show as the unit can be or can not be physical locations also; Promptly can be positioned at a place, perhaps also can be distributed on a plurality of NEs.Can realize the purpose of present embodiment scheme according to the needs selection some or all of module wherein of reality.Those of ordinary skills promptly can understand and implement under the situation of not paying creative work.
More than the utility model embodiment has been carried out detailed introduction, used embodiment among this paper the utility model set forth, the explanation of above embodiment just is used to help to understand the method and apparatus of the utility model; Simultaneously, for one of ordinary skill in the art, according to the thought of the utility model, the part that on embodiment and range of application, all can change, in sum, this description should not be construed as the restriction to the utility model.
Claims (4)
1. an on-site payment terminal is characterized in that, comprising:
Scanning element is used for when the needs on-site payment bar code in the scanning cell phone;
Converting unit is used for converting the bar code that said scanning element scans into corresponding number;
The password acquiring unit is used to obtain the password of user's input;
Transmitting element is used for said number and password are sent to third party's payment platform, so that said third party's payment platform is carried out delivery operation according to said number and password;
Receiving element is used to receive the operating result that third party's payment platform returns;
Display unit is used to the operating result that shows that said third party's payment platform returns.
2. on-site payment according to claim 1 terminal is characterized in that,
Said receiving element also is used to receive the number that said third party's payment platform issues and the corresponding relation of bar code;
Said on-site payment terminal also comprises:
Storage unit is used to store the number that said third party's payment platform issues and the corresponding relation of bar code;
Said converting unit specifically is used for converting the bar code that scans into corresponding number according to said corresponding relation.
3. an on-site payment system is characterized in that, comprising: through on-site payment terminal and third party's payment platform of network connection;
Said on-site payment terminal is used for when the needs on-site payment bar code in the scanning cell phone; Convert the bar code that scans into corresponding number; Obtain the password of user's input; Said number and password are sent to third party's payment platform; Reception also shows the operating result that third party's payment platform returns;
Said third party's payment platform is used to receive number and the password that send at said on-site payment terminal, and accomplishes delivery operation according to said number and password, and to said on-site payment terminal return result.
4. on-site payment according to claim 3 system is characterized in that, the account number of said user's registration is third party's payment accounts; Said third party's payment platform comprises:
Information receiving unit is used to receive number and the password that send at said on-site payment terminal;
First judging unit be used to judge whether the number of the account of said number and user's registration is complementary, and whether the account number cipher of said password and user's setting is complementary;
Performance element is used for being complementary in the number of the account of the said number of said first judgment unit judges and user registration, and after the account number cipher that is provided with of said password and user is complementary, the execution delivery operation;
Transmitting element is used for after said performance element is carried out the delivery operation completion, to said on-site payment terminal return result as a result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010206715363U CN202102499U (en) | 2010-12-21 | 2010-12-21 | Mobile phone on-site payment terminal and system applying barcode technology |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010206715363U CN202102499U (en) | 2010-12-21 | 2010-12-21 | Mobile phone on-site payment terminal and system applying barcode technology |
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| CN202102499U true CN202102499U (en) | 2012-01-04 |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104951939A (en) * | 2015-06-09 | 2015-09-30 | 深圳速度技术有限公司 | Electronic bank card system and application method thereof as well as electronic method of bank card |
| CN106127471A (en) * | 2016-06-27 | 2016-11-16 | 上海佳昊新能源科技有限公司 | Intelligent self-service mobile payment management method and device thereof |
| WO2018091001A1 (en) * | 2016-11-21 | 2018-05-24 | 深圳付贝科技有限公司 | Payment method and device, electronic device, and payment system |
-
2010
- 2010-12-21 CN CN2010206715363U patent/CN202102499U/en not_active Expired - Fee Related
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104951939A (en) * | 2015-06-09 | 2015-09-30 | 深圳速度技术有限公司 | Electronic bank card system and application method thereof as well as electronic method of bank card |
| CN106127471A (en) * | 2016-06-27 | 2016-11-16 | 上海佳昊新能源科技有限公司 | Intelligent self-service mobile payment management method and device thereof |
| WO2018091001A1 (en) * | 2016-11-21 | 2018-05-24 | 深圳付贝科技有限公司 | Payment method and device, electronic device, and payment system |
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Address after: 510300, Guangdong, Guangzhou, Yuexiu District, Wuyang Metro temple, 174 new right road, 5 floor, B Patentee after: GOLDSIGN ELECTRONIC DATA SERVICE CO.,LTD. Address before: 510300 A101, No. 80, martyrs Middle Road, Guangzhou, Guangdong, Yuexiu District Patentee before: GOLDSIGN ELECTRONIC DATA SERVICE Co.,Ltd. |
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Effective date of registration: 20170919 Address after: 510095, room 6, No. 401, compound 333, Ring East Road, Yuexiu District, Guangdong, Guangzhou Patentee after: Tan Ning Address before: 510300, Guangdong, Guangzhou, Yuexiu District, Wuyang Metro temple, 174 new right road, 5 floor, B Patentee before: GOLDSIGN ELECTRONIC DATA SERVICE CO.,LTD. |
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Effective date of registration: 20180619 Address after: 510000 B, 5 / F, 174 new road, Wuyang Xincheng temple, Yuexiu District, Guangzhou, Guangdong. Patentee after: GOLDSIGN ELECTRONIC DATA SERVICE CO.,LTD. Address before: 510095 401, room 6, 333 East Ring Road, Yuexiu District, Guangzhou, Guangdong. Patentee before: Tan Ning |
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