WO2009129749A1 - 手机支付方法、系统及终端 - Google Patents

手机支付方法、系统及终端 Download PDF

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Publication number
WO2009129749A1
WO2009129749A1 PCT/CN2009/071449 CN2009071449W WO2009129749A1 WO 2009129749 A1 WO2009129749 A1 WO 2009129749A1 CN 2009071449 W CN2009071449 W CN 2009071449W WO 2009129749 A1 WO2009129749 A1 WO 2009129749A1
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WO
WIPO (PCT)
Prior art keywords
payment
mobile phone
terminal
wireless communication
short
Prior art date
Application number
PCT/CN2009/071449
Other languages
English (en)
French (fr)
Inventor
陈中
陈建勇
Original Assignee
北京爱奥时代信息科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from CNA2008101048799A external-priority patent/CN101290669A/zh
Priority claimed from CNA2008101048801A external-priority patent/CN101308559A/zh
Priority claimed from CNA2008101130736A external-priority patent/CN101339684A/zh
Priority claimed from CNA2008101130755A external-priority patent/CN101339685A/zh
Application filed by 北京爱奥时代信息科技有限公司 filed Critical 北京爱奥时代信息科技有限公司
Publication of WO2009129749A1 publication Critical patent/WO2009129749A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Definitions

  • the present invention relates to a wireless electronic payment method, system and terminal, and more particularly to a mobile payment method, system, mobile phone and POS terminal.
  • the existing short-range wireless communication technologies mainly include infrared (IRDA) technology, Bluetooth (Bluetooth) technology, Wi-Fi (Wires s Fidelity, wireless fidelity) technology, and NFC (Near Field Communication). Technology, etc.
  • IRDA infrared
  • Bluetooth Bluetooth
  • Wi-Fi Wireless s Fidelity, wireless fidelity
  • NFC Near Field Communication
  • CDMA2000 and other methods complement the public network long-distance communication.
  • the object of the present invention is to provide a mobile phone payment method, which can realize payment transfer between a person and an individual in a mobile phone-one mobile phone mode safely and conveniently, or use a mobile phone-P0S machine mode for consumer settlement between a consumer and a merchant. Using this payment method, you can protect the personal privacy of the payer and increase the efficiency of payment.
  • the mobile phone payment method provided by the invention comprises the following steps:
  • the payment party mobile phone or the P0S machine terminal sends a payment request to the paying party mobile terminal by short-range wireless communication;
  • the payment party mobile terminal sends a payment instruction to the bank network payment transfer server; the bank network payment transfer server respectively sends the payment party mobile phone terminal and the paid party mobile phone or
  • the P0S machine terminal sends a payment completion message.
  • Another object of the present invention is to provide a mobile payment system capable of safely and conveniently implementing payment transfer between a personal and an individual in a mobile phone mode, or in a mobile phone-P0S mode between a consumer and a merchant. Settlement.
  • the mobile payment system comprises: a payment party mobile phone terminal, a paid party mobile phone or a POS machine terminal, and a bank network payment transfer server;
  • the payee mobile phone or the POS machine terminal is configured to send a payment request to the paying party mobile terminal by short-range wireless communication;
  • the payment party mobile terminal is configured to receive the payment request, and send a payment instruction to the bank network payment transfer server according to the payment request;
  • the bank network payment transfer server receives the payment instruction, processes related accounting information, and transmits the operation result to the payee mobile phone or the POS terminal and the payer mobile terminal respectively.
  • Another object of the present invention is to provide a mobile phone terminal capable of safely and conveniently implementing payment transfer between a personal and an individual in a mobile phone mode, or in a mobile phone-P0S mode between a consumer and a merchant. Settlement.
  • the mobile phone terminal provided by the present invention comprises a payment request sending and receiving unit, a payment instruction sending unit, a payment result receiving unit and a processing unit;
  • a payment request sending and receiving unit configured with a short-range wireless communication module, configured for the mobile terminal to send or receive a payment request by short-range wireless communication;
  • the short-range wireless communication module is an infrared, bluetooth, Wi-Fi or NFC module, Short-range wireless communication methods are infrared, Bluetooth, Wi-Fi or NFC;
  • a payment instruction sending unit configured to send, by the paying party mobile terminal, a payment instruction to the bank network payment transfer server;
  • a payment result receiving unit configured to receive a payment processing result sent by the bank network payment transfer server;
  • a processing unit configured to process the information received by the payment request sending and receiving unit, and send the payment instruction through the payment instruction sending unit, and process the payment result receiving The payment result received by the unit.
  • Still another object of the present invention is to provide a POS machine terminal that can safely and conveniently implement consumer settlement between a consumer and a merchant in a mobile phone-P0S product mode.
  • a POS terminal provided by the present invention includes:
  • a payment request sending unit configured with a short-range wireless communication module, configured to be used by the paying party POS terminal to send a payment request by short-range wireless communication
  • the short-range wireless communication module is an infrared, bluetooth, Wi-Fi or NFC module,
  • the short-range wireless communication mode is infrared, bluetooth, Wi-Fi or NFC
  • the payment result receiving unit is configured to receive a payment processing result sent by the bank network payment transfer server
  • a processing unit configured to process the information sent by the payment request sending unit, and process the payment result received by the payment result receiving unit.
  • the mobile phone payment method, system and terminal provided by the invention the payment party receives the payment request information transmitted by the payment party mobile phone or the POS machine terminal through the mobile terminal short-range wireless communication mode, and realizes payment transfer through the bank network; using short-range wireless communication
  • the method transmits the payment information data, and compared with the prior art, on the one hand, the payment request information can be automatically transmitted to the payment party mobile phone terminal, which reduces manual input of information, reduces the probability of error, and improves the payment efficiency;
  • the short-distance wireless communication method transmits information, and the payment parties do not need to provide a mobile phone number, thereby protecting personal privacy.
  • the invention is applicable to the consumer settlement between the mobile phone-mobile phone or the POS machine by the short-distance wireless communication method between the individual and the individual or the consumer and the merchant, the consumer does not need to carry the electronic payment card, and the function of the mobile phone and the mobile phone or the POS
  • the machine carries out the payment settlement information transmission, which on the one hand expands the scope of use of electronic payment, and on the other hand, better solves the security problem caused by the electronic payment card for consumer settlement.
  • FIG. 1 is a timing diagram of a mobile payment method of the present invention
  • FIG. 2 is a schematic structural diagram of a mobile payment system according to the present invention.
  • 3 is a schematic structural diagram of a mobile phone terminal according to the present invention
  • 4 is a schematic structural view of a POS terminal of the present invention.
  • an embodiment of a mobile phone payment method provided by the present invention includes the following steps:
  • the paying party mobile terminal establishes a connection with the payee mobile phone or the POS terminal through short-distance wireless communication;
  • the paying party mobile terminal establishes a connection with the payee mobile phone or the POS terminal through short-range wireless communication, such as infrared, Bluetooth, Wi-Fi or NFC.
  • short-range wireless communication such as infrared, Bluetooth, Wi-Fi or NFC.
  • S102 the payee mobile phone or the POS terminal sends a payment request to the paying mobile terminal via the short-distance wireless communication link;
  • the wireless link established by the payee mobile phone or the POS terminal through infrared, Bluetooth, Wi-Fi or NFC sends payment request information to the payer mobile phone, and the payment request information includes the payment amount, the account number of the payee, and the transaction code. , transaction details and other information.
  • the paying party sends a payment instruction to the bank network payment transfer server through the mobile terminal, and the payment instruction includes information such as the payment amount, the account of the paying party, the paying party account password, and the transaction code.
  • the bank network payment transfer server After processing the relevant accounting information, the bank network payment transfer server sends the payment completion information to the payer mobile phone terminal and the payee mobile phone or the POS terminal through the public network;
  • the bank network payment transfer server performs related accounting information processing according to the payment instruction, and if the processing is successful, sends payment success information to both terminals, and if the processing fails, the two parties
  • the terminal sends a payment failure message.
  • the bank network payment transfer server reads the mobile phone with the work information sent to the mobile phone number; in the case that the payee terminal is the POS machine terminal, the bank network payment transfer server receives the transaction code The unique identifier of the payee POS machine terminal is read, and the payment success information is transmitted to the POS machine terminal of the unique identifier.
  • the payment side mobile terminal and the payment party mobile phone or the POS terminal transmit the payment information through a link established by short-range wireless communication methods such as infrared, Bluetooth, Wi-Fi or NFC, and realize the payment through the bank network.
  • short-range wireless communication methods such as infrared, Bluetooth, Wi-Fi or NFC
  • the payment request information can be automatically transmitted to the paying party mobile phone terminal, thereby reducing manual input of information and reducing the probability of error.
  • the payment efficiency is improved; on the other hand, information is transmitted by means of infrared, Bluetooth, Wi-Fi or NFC, and the payment parties do not need to provide a mobile phone number to protect personal privacy.
  • the mobile phone payment system comprises: a payer mobile phone terminal, a payee mobile phone or a POS machine terminal, and a bank network payment transfer server; wherein, the payer mobile phone terminal, the payee mobile phone or A short-range wireless communication module is disposed in the P0S machine terminal.
  • the payee mobile phone or the POS machine terminal is configured to send a payment request to the paying party mobile terminal by using a link established by the short-range wireless communication manner;
  • the payment party mobile phone terminal is configured to receive the payment request, and send a payment instruction to the bank network payment transfer server according to the payment request;
  • the bank network payment transfer server receives the payment instruction, processes the related account information, and sends the processing result to the payee mobile phone or the POS terminal and the payer mobile terminal respectively.
  • the short-range wireless communication module is a module such as infrared, Bluetooth, Wi-Fi or NFC, and the short-range wireless communication mode is infrared, Bluetooth, Wi-Fi or NFC.
  • the payment party mobile phone terminal establishes a connection with the payment party mobile phone or the POS machine terminal through infrared, Bluetooth, Wi-Fi or NFC, and the payment party mobile phone or the POS machine terminal sends the payment to the payment party mobile phone.
  • the terminal sends a payment request by means of infrared, Bluetooth, Wi-Fi or NFC, and the payment request includes payment amount, account number of the payee, transaction code, transaction details, etc.;
  • the payment party mobile terminal receives the payment request, and according to the payment Requesting to send a payment instruction to the bank network payment transfer server by means of public network wireless communication, the payment instruction includes payment amount, account of the payment party, payment party account password, transaction code and the like;
  • the bank network payment transfer server receives the payment instruction, and processes Relevant accounting information, and the operation result is separately sent to the payee mobile phone or the POS machine terminal and the payer mobile phone terminal.
  • the mobile payment system receives the payment request information of the payment party mobile phone or the POS machine terminal through the wireless link established by the infrared, Bluetooth, Wi-Fi or NFC, and realizes the payment transfer through the bank network;
  • the payment information data is transmitted by means of Bluetooth, Wi-Fi or NFC.
  • the payment request information can be automatically transmitted to the payment party mobile terminal, which reduces manual input of information and reduces the probability of error. , to improve the efficiency of payment;
  • using infrared, Bluetooth, Wi-Fi or NFC to transmit information the payment parties do not need to provide a mobile phone number to protect personal privacy.
  • the present invention provides an embodiment of a mobile phone terminal, where the mobile phone terminal includes a payment request sending and receiving unit, a payment instruction sending unit, a payment result receiving unit, and a processing unit;
  • the payment request sending and receiving unit is provided with a short-range wireless communication module for the mobile terminal to send or receive a payment request by short-range wireless communication;
  • the short-range wireless communication module is an infrared, bluetooth, Wi-Fi or NFC module.
  • the short-range wireless communication method is infrared, Bluetooth, Wi-Fi or NFC;
  • a payment instruction sending unit configured to send, by the paying party mobile terminal, a payment instruction to the bank network payment transfer server
  • a payment result receiving unit configured to receive a payment processing result sent by the bank network payment transfer server
  • a processing unit configured to process the information sent or received by the payment request sending and receiving unit, and send the payment instruction by the payment instruction sending unit, and process the payment result received by the payment result receiving unit.
  • the mobile phone terminal provided by the embodiment of the present invention can be used for both the paying party mobile phone terminal and the payee mobile phone terminal.
  • the present invention further provides an embodiment of a POS terminal, where the POS terminal includes:
  • the payment request sending unit is provided with a short-range wireless communication module, and is configured to send a payment request by the paying party POS terminal by short-range wireless communication;
  • the short-range wireless communication module is an infrared, Bluetooth, Wi-Fi or NFC module.
  • the short-range wireless communication method is infrared, Bluetooth, Wi_Fi or NFC;
  • a payment result receiving unit configured to receive a payment processing result sent by the bank network payment transfer server
  • a processing unit configured to process the information sent by the payment request sending unit, and process the payment result received by the payment result receiving unit.

Description

手机支付方法、 系统及终端
技术领域：
本发明涉及一种无线电子支付方法、 系统及终端， 尤其涉及一种手 机支付方法、 系统、 手机和 P0S机终端。
背景技术：
随着银行网络服务系统的推广， 借记卡和货记卡等电子支付卡在消 费结算中已得到了越来越广泛的应用， 消费者只需使用借记卡或货记卡 就能在安装有 P0S机 ( oint of sa le termina l )终端的商场进行购物 结算， 为用户消费结算提供了方便， 消费者出行购物不必携带大量现金， 降低了携带现金的风险。 然而， 现有银行 P0S机终端消费结算存在着安 全隐患。 消费者在消费结算过程中， 需要将电子支付卡号码提供给商家， 因此经常出现银行卡账号和密码被盗的现象。
另外， 在没有安装 P0S机的场合， 消费者无法使用电子支付卡进行 支付， 也会带来不便。 个人与个人之间的支付转账， 通常也不能通过电 子支付卡进行。
随着电子与通信技术的快速发展， 利用手机进行电子支付已经成为 可能。 目前， 已开发出多种手机支付模式， 但都因存在设计缺陷而未能 得到推广应用， 其主要问题在于： 1、 未能充分保护个人隐私， 例如有的 支付模式需要支付方或者被支付方提供手机号码， 而电话号码一般属于 个人隐私， 大多数人不愿随意公开自己的手机号码。 2、 在支付双方交换 信息时需要人工输入冗长的账号信息等， 使得在输入信息时不但容易出 现错误， 而且交易时间长、 效率低。 3、 只适用于小额支付， 如用于交通、 停车等费用的支付。 目前， 现有短距离无线通信技术主要有红外 （ IrDA )技术、 蓝牙 ( Bluetooth )技术、 Wi-Fi ( Wireles s Fidel i ty, 无线保真）技术和 NFC ( Near Field Communicat ion, 近距离通信）技术等。 这些短距离无线 通信技术在手机中都已有应用， 成为手机通过 GPRS、 WCDMA, TD-SCDMA和
CDMA2000等方式进行公网远距离通信的补充。
发明内容：
本发明的目的是提供一种手机支付方法， 该方法能够安全、 方便地 实现个人与个人之间以手机一手机模式进行支付转账， 或消费者与商家 之间以手机一 P0S机模式进行消费结算； 运用本支付方法， 可以保护支付 方个人隐私， 同时提高支付效率。
为实现上述目的， 本发明釆用如下技术方案：
本发明提供的手机支付方法， 包括如下步骤：
被支付方手机或 P0S机终端向支付方手机终端通过短距离无线通信 方式发送支付请求；
支付方手机终端向银行网络支付转账服务器发送支付指令； 银行网络支付转账服务器分别向支付方手机终端和被支付方手机或
P0S机终端发送支付完成信息。
本发明的另一目的是提供一种手机支付系统， 该系统能够安全、 方 便实现个人与个人之间以手机一手机模式进行支付转账、 或消费者与商 家之间以手机一 P0S机模式进行消费结算。
为完成上述目的， 本发明釆用如下技术方案：
本发明提供的手机支付系统， 包括： 支付方手机终端、 被支付方手 机或 P0S机终端及银行网络支付转账服务器；
所述被支付方手机或 P0S机终端， 用于向支付方手机终端通过短距 离无线通信方式发送支付请求； 所述支付方手机终端， 用于接收所述支付请求， 并根据支付请求向 银行网络支付转账服务器发送支付指令；
所述银行网络支付转账服务器， 接收所述支付指令， 处理相关账务 信息， 并将操作结果分别发送给所述被支付方手机或 P0S机终端和支付 方手机终端。
本发明的又一目的是提供一种手机终端， 该终端能够安全、 方便地 实现个人与个人之间以手机一手机模式进行支付转账、 或消费者与商家 之间以手机一 P0S机模式进行消费结算。
为完成上述目的， 本发明釆用如下技术方案：
本发明提供的手机终端， 包括支付请求发送和接收单元、 支付指令 发送单元、 支付结果接收单元及处理单元；
支付请求发送和接收单元， 设置有短距离无线通信模块， 用于手机 终端通过短距离无线通信方式发送或接收支付请求； 该短距离无线通信 模块为红外、 蓝牙、 Wi-Fi或 NFC模块， 该短距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC;
支付指令发送单元， 用于支付方手机终端向银行网络支付转账服务 器发送支付指令；
支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果； 处理单元， 用于处理支付请求发送和接收单元接收的信息， 并通过 支付指令发送单元发送支付指令， 并处理支付结果接收单元接收的支付 结果。
本发明的再一目的是提供一种 P0S机终端， 该终端能够安全、 方便 地实现消费者与商家之间以手机一 P0S积模式进行消费结算。
为完成上述目的， 本发明釆用如下技术方案： 本发明提供的一种 POS机终端， 包括：
支付请求发送单元，设置有短距离无线通信模块， 用于被支付方 P0S 机终端通过短距离无线通信方式发送支付请求； 该短距离无线通信模块 为红外、蓝牙、 Wi-Fi或 NFC模块，该短距离无线通信方式为红外、蓝牙、 Wi-Fi或 NFC; 支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果；
处理单元， 用于处理支付请求发送单元发送的信息， 并处理支付结 果接收单元接收的支付结果。
本发明提供的手机支付方法、 系统及终端， 支付方通过手机终端短 距离无线通信方式接收被支付方手机或 P0S机终端传送的支付请求信息， 并通过银行网络实现支付转账； 利用短距离无线通信方式传送支付信息 数据， 与现有技术相比， 一方面， 支付请求信息可以自动传输到支付方 手机终端中， 减少了人工输入信息、 降低了出错概率， 提高了支付效率； 另一方面， 利用短距离无线通信方式传送信息， 支付双方不需要提供手 机号码， 保护了个人隐私。
本发明适用于个人与个人或消费者与商家之间利用短距离无线通信 方式在手机-手机或 P0S机之间进行消费结算， 消费者不需要携带电子支 付卡， 通过手机的功能与手机或 P0S机进行消费结算信息传递， 一方面 扩大了电子支付的使用范围， 另一方面更好解决了以电子支付卡进行消 费结算而带来的安全问题。
附图说明：
图 1为本发明手机支付方法的时序图；
图 2为本发明手机支付系统的结构示意图；
图 3为本发明手机终端的结构示意图； 图 4为本发明 POS机终端的结构示意图。
具体实施方式：
为了使本技术领域的人员更好地理解本发明的技术方案， 并使本发 明的上述目的、 特征和优点能够更加明显易懂， 下面结合附图和实施例 对本发明作进一步详细的说明。
如图 1 所示， 本发明提供的一种手机支付方法的实施例， 包括如下 步骤：
S101 : 支付方手机终端与被支付方手机或 P0S机终端通过短距离无 线通信方式建立连接；
支付方手机终端与被支付方手机或 P0S机终端通过短距离无线通信 方式建立连接， 该短距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC等。
S102: 被支付方手机或 P0S机终端向支付方手机终端通过短距离无 线通信链路发送支付请求；
被支付方手机或 P0S机终端通过红外、蓝牙、 Wi-Fi或 NFC等方式建 立起的无线链路向支付方手机发送支付请求信息， 支付请求信息包括支 付金额、 被支付方的账号、 交易代码、 交易明细等信息。
付指令；
支付方通过手机终端向银行网络支付转账服务器发送支付指令， 支 付指令包括支付金额、 支付双方的账号、 支付方账号密码、 交易代码等 信息。
S104 : 银行网络支付转账服务器处理相关账务信息后， 通过公网向 支付方手机终端和被支付方手机或 P0S机终端发送支付完成信息；
银行网络支付转账服务器根据所述支付指令， 进行相关账务信息处 理， 若处理成功， 向双方终端发送支付成功信息， 若处理失败， 向双方 终端发送支付失败信息。
在被支付方终端是手机的情况下， 银行网络支付转账服务器读出与 功信息发送给该手机号码的手机； 在被支付方终端是 P0S机终端的情况 下， 银行网络支付转账服务器从交易代码读出被支付方 P0S机终端的唯 一标识符， 将支付成功信息发送给该唯一标识符的 P0S机终端。
本发明提供的手机支付方法，支付方手机终端与被支付方手机或 P0S 机终端通过红外、蓝牙、 Wi-Fi或 NFC等短距离无线通信方式建立的链路 传送支付信息， 并通过银行网络实现支付转账； 利用短距离无线通信方 式传送支付信息数据， 与现有手机支付模式相比， 一方面， 支付请求信 息可以自动传输到支付方手机终端中， 减少了人工输入信息、 降低了出 错概率， 提高了支付效率； 另一方面， 利用红外、 蓝牙、 Wi-Fi或 NFC等 方式传送信息， 支付双方不需要提供手机号码， 保护了个人隐私。
如图 2 所示， 本发明提供的一种手机支付系统， 包括： 支付方手机 终端、 被支付方手机或 P0S机终端及银行网络支付转账服务器； 其中， 支付方手机终端、 被支付方手机或 P0S机终端中设置有短距离无线通信 模块。
所述被支付方手机或 P0S机终端， 用于向支付方手机终端通过短距 离无线通信方式建立的链路发送支付请求；
所述支付方手机终端， 用于接收所述支付请求， 并根据支付请求向 银行网络支付转账服务器发送支付指令；
所述银行网络支付转账服务器， 接收所述支付指令， 处理相关账务 信息， 并将处理结果分别发送给所述被支付方手机或 P0S机终端和支付 方手机终端。
所述短距离无线通信模块为红外、 蓝牙、 Wi-Fi或 NFC等模块， 所述 短距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC等。 本发明提供的手机支付系统， 所述支付方手机终端与被支付方手机 或 P0S机终端通过红外、 蓝牙、 Wi-Fi或 NFC等方式建立连接， 被支付方 手机或 P0S机终端向支付方手机终端通过红外、蓝牙、 Wi-Fi或 NFC等方 式发送支付请求， 支付请求包括支付金额、 被支付方的账号、 交易代码、 交易明细等信息； 支付方手机终端接收所述支付请求， 并根据支付请求 通过公网无线通信方式向银行网络支付转账服务器发送支付指令， 支付 指令包括支付金额、 支付双方的账号、 支付方账号密码、 交易代码等信 息； 银行网络支付转账服务器接收所述支付指令， 处理相关账务信息， 并将操作结果分别发送给所述被支付方手机或 P0S机终端和支付方手机 终端。
本发明提供的手机支付系统， 支付方通过红外、 蓝牙、 Wi-Fi或 NFC 等方式建立的无线链路接收被支付方手机或 P0S机终端支付请求信息， 并通过银行网络实现支付转账； 利用红外、 蓝牙、 Wi-Fi或 NFC等方式传 送支付信息数据， 与现有手机支付模式相比， 一方面， 支付请求信息可 以自动传输到支付方手机终端中， 减少了人工输入信息、 降低了出错概 率， 提高了支付效率； 另一方面， 利用红外、 蓝牙、 Wi-Fi或 NFC等方式 传送信息， 支付双方不需要提供手机号码， 保护了个人隐私。
如图 3 所示， 本发明提供的一种手机终端的实施例， 所述手机终端 包括支付请求发送和接收单元、 支付指令发送单元、 支付结果接收单元 及处理单元；
支付请求发送和接收单元， 设置有短距离无线通信模块， 用于手机 终端通过短距离无线通信方式发送或接收支付请求； 该短距离无线通信 模块为红外、蓝牙、 Wi-Fi或 NFC等模块，该短距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC等；
支付指令发送单元， 用于支付方手机终端向银行网络支付转账服务 器发送支付指令； 支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果；
处理单元， 用于处理支付请求发送和接收单元发送或接收的信息， 并通过支付指令发送单元发送支付指令， 并处理支付结果接收单元接收 的支付结果。
本发明实施例提供的手机终端， 既可以用于支付方手机终端， 也可 以用于被支付方手机终端。
如图 4所示， 本发明还提供一种 P0S机终端的实施例， 所述 P0S机 终端包括：
支付请求发送单元，设置有短距离无线通信模块， 用于被支付方 P0S 机终端通过短距离无线通信方式发送支付请求； 该短距离无线通信模块 为红外、 蓝牙、 Wi-Fi或 NFC等模块， 该短距离无线通信方式为红外、 蓝 牙、 Wi_Fi或 NFC等；
支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果；
处理单元， 用于处理支付请求发送单元发送的信息， 并处理支付结 果接收单元接收的支付结果。 以上所述， 仅为本发明的具体实施方式， 但本发明的保护 范围并不局限于此， 任何熟悉本技术领域的技术人员在本发明 揭露的技术范围内， 可轻易想到的变化或替换， 都应涵盖在本 发明的保护范围之内。 因此， 本发明的保护范围应该以权利要 求所界定的保护范围为准。

Claims

权利要求
1、 一种手机支付方法， 其特征在于， 包括如下步骤：
被支付方手机或 P0S机终端向支付方手机终端通过短距离无线通信 方式发送支付请求；
支付方手机终端向银行网络支付转账服务器发送支付指令； 银行网络支付转账服务器向支付方手机终端和被支付方手机或 P0S 机终端分别发送支付完成信息。
2、 根据权利要求 1所述的手机支付方法， 其特征在于， 所述被支付 方手机或 P0S机终端向支付方手机终端发送支付请求步骤之前， 还包括 如下步骤：
支付方手机终端与被支付方手机或 P0S机终端通过短距离无线通信 方式建立连接。
3、 根据权利要求 1或 2所述的手机支付方法， 其特征在于， 所述短 距离无线通信方式包括红外、 蓝牙、 Wi-Fi或 NFC。
4、 根据权利要求 1所述的手机支付方法， 其特征在于， 所述支付请 求包括支付金额、 被支付方的账号、 交易代码、 交易明细； 所述支付指 令包括支付金额、 支付双方的账号、 支付方账号密码、 交易代码。
5、 一种手机支付系统， 其特征在于， 包括： 支付方手机终端、 被支 付方手机或 P0S机终端及银行网络支付转账服务器；
所述被支付方手机或 P0S机终端， 用于向支付方手机终端通过短距 离无线通信方式发送支付请求；
所述支付方手机终端， 用于接收所述支付请求， 并根据支付请求向 银行网络支付转账服务器发送支付指令； 所述银行网络支付转账服务器， 接收所述支付指令， 处理相关账务 信息， 并将操作结果分别发送给所述被支付方手机或 P0S机终端和支付 方手机终端。
6、 根据权利要求 5所述的手机支付系统， 其特征在于， 所述支付方 手机终端、 被支付方手机或 P0S机终端设置有短距离无线通信模块； 所 述支付方手机终端与被支付方手机或 P0S机终端通过短距离无线通信方 式建立连接。
7、 根据权利要求 5或 6所述的手机支付系统， 其特征在于， 所述短 距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC, 所述短距离无线通信模 块为红外、 蓝牙、 Wi-Fi或 NFC模块。
8、 一种手机终端， 其特征在于， 包括支付请求发送和接收单元、 支 付指令发送单元、 支付结果接收单元及处理单元；
支付请求发送和接收单元， 设置有短距离无线通信模块， 用于手机 终端通过短距离无线通信方式发送或接收支付请求； 该短距离无线通信 模块为红外、 蓝牙、 Wi-Fi或 NFC模块， 该短距离无线通信方式为红外、 蓝牙、 Wi-Fi或 NFC;
支付指令发送单元， 用于支付方手机终端向银行网络支付转账服务 器发送支付指令；
支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果；
处理单元， 用于处理支付请求发送和接收单元接收的信息， 并通过 支付指令发送单元发送支付指令， 并处理支付结果接收单元接收的支付 结果。
9、 一种 P0S机终端， 其特征在于， 包括：
支付请求发送单元，设置有短距离无线通信模块， 用于被支付方 P0S 机终端通过短距离无线通信方式发送支付请求； 该短距离无线通信模块 为红外、蓝牙、 Wi-Fi或 NFC模块，该短距离无线通信方式为红外、蓝牙、 Wi-Fi或 NFC;
支付结果接收单元， 用于接收银行网络支付转账服务器发送的支付 处理结果；
处理单元， 用于处理支付请求发送单元发送的信息， 并处理支付结 果接收单元接收的支付结果。
PCT/CN2009/071449 2008-04-24 2009-04-24 手机支付方法、系统及终端 WO2009129749A1 (zh)

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CNA2008101048801A CN101308559A (zh) 2008-04-24 2008-04-24 Wifi手机支付终端、支付方法及系统
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CNA2008101130736A CN101339684A (zh) 2008-05-27 2008-05-27 红外线手机支付终端、支付方法及系统
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