CN204856595U - Mobile payment system based on bluetooth - Google Patents
Mobile payment system based on bluetooth Download PDFInfo
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- CN204856595U CN204856595U CN201520607057.8U CN201520607057U CN204856595U CN 204856595 U CN204856595 U CN 204856595U CN 201520607057 U CN201520607057 U CN 201520607057U CN 204856595 U CN204856595 U CN 204856595U
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Abstract
The utility model relates to a mobile payment system based on bluetooth, including payment terminal, mobile terminal, mobile payment background system, authentication IC -card and financial cipher machine, single headtotail is received with the trade company to the payment terminal to with mobile terminal bluetooth wireless connection, in order requesting to send the payment to mobile terminal, the trade company identity information of its host system through reading the card module and read storage in the authentication IC -card, carry out the legitimacy and verify, mobile terminal is connected with the mobile payment background system communication through communication module and will pays through communication module and ask to forward to deliver to mobile payment background system, finance cipher machine and mobile payment background system turn -on connection decrypt so that mobile payment background system accomplishes the payment, withholds the payment request. The current mobile terminal who generally possesses bluetooth function be can be applicable to like this, mobile terminal and SIM card are need not to change, the expense of saving, the security is high, is accepted by user and trade company easily, and it is easier to popularize and apply.
Description
Technical field
The utility model belongs to mobile payment technical field, particularly a kind of mobile-payment system based on bluetooth.
Background technology
Mobile payment, allows user to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service exactly; Whole mobile payment value chain comprises mobile operator, payment services business (such as bank, Unionpay etc.), application provider's (public transport, campus, government utility etc.), equipment supplier's (manufacturer terminal, card vendor, chip supplier etc.), system integrator, businessman and terminal user.
At present, mobile-payment system on market is all the payment system based on NFC technology, frequency of operation due to NFC technology is 13.56MHz, the mobile terminal such as smart mobile phone with NFC technology is little, when therefore applying these mobile-payment systems existing, user must change special mobile terminal, need common SIM card to be replaced by SWP-SIM card simultaneously, not only increase cost, and apply very trouble, inconvenience, greatly reduce the experience sensation of user; Existing mobile payment is not to the process of payment terminal certification in addition, and cannot stop the use of illegal payment terminal, payment safety is lower.
Utility model content
In order to solve the above-mentioned technical matters existed in prior art, it is extremely wide that the utility model provides a kind of scope of application, without the need to being replaced by NFC mobile terminal and SWP-SIM card, save application cost, security is high, is easily accepted by user and trade company, and it is easier to apply, popularity rate is higher, is conducive to the mobile-payment system based on bluetooth of market development.
For solving the problems of the technologies described above, the utility model adopts following technical scheme:
Based on a mobile-payment system for bluetooth, include payment terminal, mobile terminal, mobile payment background system, certification IC-card and financial cipher machine; Wherein,
Described payment terminal and trade company receive single system and are connected, it being provided with main control module, the first bluetooth module, carrying out the security module of encryption and decryption and the card reading module for reading trade company's identity information in certification IC-card to data, described first bluetooth module, security module are all connected with main control module conducting with card reading module, described main control module by card reading module read store in certification IC-card merchant identification information, carry out legitimate verification;
Described mobile terminal is provided with the second bluetooth module, communication module and payment application module, and described second bluetooth module is all connected with application module conducting with communication module;
And described payment terminal is by the second bluetooth module wireless connections of the first bluetooth module and mobile terminal, so that payment request is sent to mobile terminal; Described mobile terminal is connected by communication between communication module with mobile payment background system and passes through to pay application module asks to forward through communication module by payment to deliver to mobile payment background system; Described financial cipher machine is connected with the conducting of mobile payment background system, carries out encryption and decryption so that mobile payment background system completes payment, withholds to payment request.
Further, described card reading module is Contact Type Ic Card card reader or Contactless IC Card Reader.
Further, described mobile payment background system is the system adopting B/S framework, and its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server.
Further, described mobile terminal is smart mobile phone or phone panel computer, and described communication module is GPRS module.
The beneficial effects of the utility model are:
The utility model passes through technique scheme, namely the mobile terminal of existing general bluetooth enable is applicable to, the scope of application is extremely wide, without the need to being replaced by special NFC mobile terminal and SWP-SIM card, greatly saves the application cost of mobile payment, payment safety is high, easily accepted by user and trade company, it is easier to apply, and popularity rate is higher, be conducive to market development, thus obtain business success.
Accompanying drawing explanation
Below in conjunction with accompanying drawing and specific embodiment, the utility model is described in further detail:
Fig. 1 is the structural principle schematic block diagram of a kind of mobile-payment system embodiment based on bluetooth described in the utility model;
Fig. 2 is the schematic flow sheet of the method for mobile payment of a kind of mobile-payment system based on bluetooth described in the utility model.
Embodiment
In order to make the purpose of this utility model, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the utility model is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the utility model, and be not used in restriction the utility model.
As shown in Figures 1 and 2:
The utility model embodiment provides a kind of mobile-payment system based on bluetooth, include payment terminal 1, mobile terminal 2, mobile payment background system 3, (to certification IC-card 4 this certification IC-card 4 provide by mobile-payment system operator the card carrying out authentication to trade company, the key stored in it is identical with the key in financial cipher machine 5, and the mode by two-way authentication between payment terminal 1 confirms legitimacy mutually, to ensure that the user of payment terminal 1 is for legal.) and financial cipher machine 5 (this financial cipher machine 5 stores the key of financial payment systems, and inside is (SuSE) Linux OS, provides service, have data encrypting and deciphering function in TCP/IP mode.)。Wherein, described payment terminal 1 is wireless device, employing power module is powered, receive single system with trade company to be connected, it is provided with main control module 11, first bluetooth module 12, data are carried out to the security module 13 of encryption and decryption and (this main control module 11, first bluetooth module 12, security module 13 and card reading module 14 are prior art for the card reading module 14 that reads trade company's identity information in certification IC-card 4, its structure and principle of work are all identical with existing module, do not repeat them here.), described first bluetooth module 12, security module 13 are all connected with main control module 11 conducting with card reading module 14, described main control module 11 by card reading module 14 read store in certification IC-card 4 merchant identification information, carry out legitimate verification.Described mobile terminal 2 is provided with the second bluetooth module 21, communication module 22 and payment application module 23, and (this second bluetooth module 21, communication module 22 and payment application module 23 are prior art, structure and principle of work are all identical with existing module, do not repeat them here.), described second bluetooth module 21 is all connected with application module 23 conducting with communication module 22.Described payment terminal 1 by the first bluetooth module 12 with the second bluetooth module 21 wireless connections of mobile terminal 2, so that payment request is sent to mobile terminal 2; Described mobile terminal 2 can be smart mobile phone or phone panel computer, described communication module 22 can be GPRS module, and described mobile terminal 2 is connected by communication between communication module 22 with mobile payment background system 3 and passes through to pay application module 23 asks payment to forward through communication module 22 to deliver to mobile payment background system 3; Described mobile payment background system 3 comprises the functional modules such as data storage, account settlement business, data analysis, it is the system of B/S (client/server) framework adopting high level language (as Java) to write, its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server (as Tomcat application server).Described financial cipher machine 5 is connected with mobile payment background system 3 conducting, carries out encryption and decryption so that mobile payment background system 3 completes payment, withholds to payment request.
The method of mobile payment of the mobile-payment system based on bluetooth described in the utility model, includes following steps:
Steps A. payment terminal 1 receives the payment request sent by trade company's receipts single system.
The merchant information that step B. payment terminal 1 reads certification IC-card carry out checking legal after, send payment request through security module 13 encryption by the first bluetooth module 12 to mobile terminal 2; Wherein, described " merchant information that payment terminal 1 reads certification IC-card carry out verify legal " is specially: the main control module 11 of described payment terminal calls card reading module 14 and sends checking instruction, and described checking instruction will be read the merchant information stored in certification IC-card 4 and carry out legitimacy inspection.
The payment accounts (consumer bank's account information) of binding and payment ask to forward in the lump to deliver to mobile payment background system 3 by communication module 22 by the payment application module 23 of step C. mobile terminal 2.
Step D. mobile payment background system 3 asks to be decrypted and to carry out payment from the payment accounts received to withhold to payment by financial cipher machine 5, and payment result is fed back to mobile terminal 2, then send to payment terminal 1 by the payment application module 23 of mobile terminal 2 by the second bluetooth module 21.
Like this, mobile-payment system based on bluetooth described in the utility model and method of payment, namely the mobile terminal of existing general bluetooth enable is applicable to, the scope of application is extremely wide, without the need to being replaced by special NFC mobile terminal and SWP-SIM card, greatly save the application cost of mobile payment, and adopt the dual safety certification authority be made up of security module 13 and certification IC-card 4, effectively stop illegal payment terminal to use, payment safety is high; Therefore, easily accepted by user's (existing mobile phone users) and trade company, it is easier to apply, and popularity rate is higher, is conducive to market development, thus obtains business success.
The above is preferred implementation of the present utility model; it should be pointed out that for those skilled in the art, under the prerequisite not departing from the utility model principle; can also make some improvements and modifications, these improvements and modifications are also considered as protection domain of the present utility model.
Claims (4)
1. the mobile-payment system based on bluetooth, it is characterized in that, include payment terminal (1), mobile terminal (2), mobile payment background system (3), certification IC-card (4) and financial cipher machine (5); Wherein,
Described payment terminal (1) and trade company receive single system and are connected, it is provided with main control module (11), first bluetooth module (12), the security module (13) of encryption and decryption and the card reading module (14) for reading certification IC-card (4) interior trade company identity information are carried out to data, described first bluetooth module (12), security module (13) is all connected with main control module (11) conducting with card reading module (14), described main control module (11) reads the merchant identification information stored in certification IC-card (4) by card reading module (14), carry out legitimate verification,
Described mobile terminal (2) is provided with the second bluetooth module (21), communication module (22) and pays application module (23), and described second bluetooth module (21) is all connected with application module (23) conducting with communication module (22);
And described payment terminal (1) is by the second bluetooth module (21) wireless connections of the first bluetooth module (12) and mobile terminal (2), so that payment request is sent to mobile terminal (2); Described mobile terminal (2) is connected by communication between communication module (22) with mobile payment background system (3) and passes through to pay application module (23) asks to forward through communication module (22) by payment to deliver to mobile payment background system (3); Described financial cipher machine (5) is connected with mobile payment background system (3) conducting, carries out encryption and decryption so that mobile payment background system (3) completes payment, withholds to payment request.
2. the mobile-payment system based on bluetooth according to claim 1, is characterized in that, described card reading module (14) is Contact Type Ic Card card reader or Contactless IC Card Reader.
3. the mobile-payment system based on bluetooth according to claim 1 and 2, it is characterized in that, described mobile payment background system (3) is the system adopting B/S framework, and its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server.
4. the mobile-payment system based on bluetooth according to claim 1 and 2, is characterized in that, described mobile terminal (2) is smart mobile phone or phone panel computer, and described communication module (22) is GPRS module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520607057.8U CN204856595U (en) | 2015-08-12 | 2015-08-12 | Mobile payment system based on bluetooth |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201520607057.8U CN204856595U (en) | 2015-08-12 | 2015-08-12 | Mobile payment system based on bluetooth |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105184556A (en) * | 2015-08-12 | 2015-12-23 | 珠海保税区星汉智能卡股份有限公司 | Bluetooth-based mobile payment system and payment method |
| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
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2015
- 2015-08-12 CN CN201520607057.8U patent/CN204856595U/en active Active
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105184556A (en) * | 2015-08-12 | 2015-12-23 | 珠海保税区星汉智能卡股份有限公司 | Bluetooth-based mobile payment system and payment method |
| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
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Address after: Lianfeng road Hengli Industrial Park in Guangdong Province, Zhuhai bonded area 519000 building 6 Patentee after: Astland intelligent Polytron Technologies Inc Address before: Lianfeng road Hengli Industrial Park in Guangdong Province, Zhuhai bonded area 519000 building 6 Patentee before: ZHUHAI XH SMARTCARD CO., LTD. |
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| CP01 | Change in the name or title of a patent holder |