WO2012097520A1 - Système de paiement et procédé de paiement à courte distance basés sur une image - Google Patents

Système de paiement et procédé de paiement à courte distance basés sur une image Download PDF

Info

Publication number
WO2012097520A1
WO2012097520A1 PCT/CN2011/070466 CN2011070466W WO2012097520A1 WO 2012097520 A1 WO2012097520 A1 WO 2012097520A1 CN 2011070466 W CN2011070466 W CN 2011070466W WO 2012097520 A1 WO2012097520 A1 WO 2012097520A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
graphic code
payment terminal
terminal
information
Prior art date
Application number
PCT/CN2011/070466
Other languages
English (en)
Chinese (zh)
Inventor
杨华
Original Assignee
深圳市年年卡网络科技有限公司
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
Application filed by 深圳市年年卡网络科技有限公司 filed Critical 深圳市年年卡网络科技有限公司
Priority to CN2011800023968A priority Critical patent/CN102449651A/zh
Priority to PCT/CN2011/070466 priority patent/WO2012097520A1/fr
Publication of WO2012097520A1 publication Critical patent/WO2012097520A1/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
    • H04M17/307—Code type, e.g. alphanumeric code, bar code

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a graphics-based short-distance payment system and a payment method.
  • Traditional transaction payments are mainly cash, which requires users to carry sufficient cash at the time of the transaction.
  • cash transactions are disadvantageous in that they cannot be carried in large quantities and have poor security. Therefore, with the development of the financial industry and technology, non-cash trading methods have gradually been invented.
  • the most widely used non-cash trading method is bank card trading, using bank cards provided by banks for banks and POSs provided by banks for merchants.
  • the terminal, the P0S terminal obtains the user account related information through the user swipe card, and uploads it to the bank's transaction system together with the current merchant information and the transaction amount information, and the bank transaction system transfers the transaction according to the information.
  • Bank card credit card consumption makes up for the lack of cash consumption, but there are still some inconveniences. For example, a bank card must be carried, and the bank card is lost or copied to bring certain risks.
  • RF technology such as common bus cards
  • RF card and card reading devices are not universal devices in life, so the promotion is difficult.
  • the present invention discloses a graphics-based short-distance payment system, which can use a mobile terminal such as a mobile phone as a payment device to complete transaction payment.
  • a graphics-based short-range payment system includes a payment terminal and a payment terminal.
  • the payment terminal includes:
  • An order generating module configured to generate a corresponding order according to the product or service information selected by the user
  • a first graphic code conversion module configured to convert the order information into a graphic code image containing the graphic code, or identify the order information from the graphic code image
  • a first display module configured to display a graphic code image generated by the graphic code conversion module
  • a first imaging device configured to capture a graphic code image displayed by the second display module
  • a communication module configured to communicate with the payment settlement system
  • the payment terminal includes:
  • a second camera device configured to capture a graphic code image displayed by the first display module; and a second graphic code conversion module, configured to convert the related payment information into a graphic code image including the graphic code, or identify an order from the graphic code image Information
  • a second display module configured to display the graphic code image generated by the second graphic code conversion module or the order information recognized from the graphic code image.
  • the payment terminal is a mobile phone with a camera, a PDA or a tablet.
  • the payment terminal further includes a first signature verification module for signing the order using the private key of the user; the order information includes signature information;
  • the payment terminal includes a second signature verification module for verifying the signature information in the order information recognized by the second graphic code conversion module from the graphic code image, and signing the order with the private key of the user.
  • the graphic code is a barcode or a two-dimensional code.
  • the invention also provides a graphics-based short-distance payment method, comprising the following steps: 1) a user selects a product or service to be purchased, and the collection terminal selects according to the user .
  • the payment terminal converts the order information into a graphic code, and displays a graphic code image including the graphic code on the display screen of the receiving terminal;
  • the payment terminal picks up the graphic code image displayed on the first display screen, identifies the order information from the payment terminal, and displays it on the display screen of the payment terminal for the user to confirm;
  • the payment terminal converts the order information confirmed by the user into a graphic code, and displays a graphic code image including the graphic code on the display screen of the payment terminal;
  • the receiving terminal ingests the graphic code image displayed on the display screen of the payment terminal, and identifies the order information therein;
  • the payment terminal sends the order information obtained in step 5) to the payment clearing system, and the payment clearing system performs fund transfer clearing.
  • Step 1) and step 2) further include the step of the payment terminal transmitting the order information to the payment clearing system for confirmation.
  • Step 2) further includes the step of the payment terminal signing the order with the private key of the party, wherein the graphic code includes the signature information of the payment terminal;
  • step 3 the payment terminal verifies the signature information of the payment terminal, and after the user confirms, the original private key of the order is also signed.
  • step 6 the payment terminal verifies the signature of the collection terminal and the payment terminal signature in the order information, and then performs fund allocation and clearing after the verification is passed.
  • the method further includes the following steps: 7)
  • the payment clearing system transmits the payment result information to the payment terminal, and displays the payment result information on the display screen of the payment terminal.
  • the graphic code is a barcode or a two-dimensional code.
  • the beneficial effects of the present invention are as follows: the existing mobile phone with camera function can be used as the payment terminal, the hardware of the mobile phone is not required to be modified, the promotion cost is low, and the promotion is convenient; the mobile phone does not need to communicate with the payment terminal, and is safe and reliable, and No communication costs are generated, and an encryption verification algorithm can be used to ensure the security of transaction payment.
  • BRIEF DESCRIPTION OF THE DRAWINGS In order to make the objects, technical solutions and advantages of the present invention more clear, the present invention will be further described in detail below with reference to the accompanying drawings: 2 is a schematic flow chart of a graphics-based short-range payment method. BEST MODE FOR CARRYING OUT THE INVENTION
  • preferred embodiments of the present invention will be described in detail.
  • the graphics-based short-range payment system of the present embodiment includes a payment terminal 1 and a payment terminal 2.
  • the payment terminal 1 includes:
  • the order generating module 11 is configured to generate a corresponding order according to the product or service information selected by the user;
  • the graphic code conversion module 12 is configured to convert the order information into a graphic code image containing the graphic code, or identify the order information from the graphic code image;
  • the display module 13 is configured to display a graphic code image generated by the graphic code conversion module 12, and can also be used to display order payment result information and the like;
  • the signature verification module 14 is configured to use the private key of the payment terminal to sign the order;
  • the camera device 15 is configured to capture the graphic code image displayed by the display module 23 of the payment terminal;
  • the communication module 16 is configured to communicate with the payment settlement system 3;
  • the payment terminal 2 includes:
  • the image capturing device 21 is configured to capture a graphic code image displayed by the display module 13 of the payment terminal;
  • the graphic code conversion module 22 is configured to convert the related payment information into a graphic code image containing the graphic code, or identify the order information from the graphic code image;
  • the display module 23 is configured to display the graphic code image generated by the own graphic code conversion module or the order information recognized in the graphic code image obtained from the self-imaging device.
  • the signature verification module 24 is configured to verify the signature information in the order information recognized by the graphic code conversion module 22 from the graphic code image, and sign the order with the private key of the user.
  • the payment terminal 2 is a mobile phone with a camera, a PDA, a tablet, or the like.
  • the graphic code may be a two-dimensional code, a barcode or other graphic code.
  • the graphics-based short-distance payment method of this embodiment includes the following steps:
  • the payment terminal 1 sends the order information to the payment clearing system 3 for confirmation. After confirming, the payment terminal 1 signs the order with the private key of the owner;
  • the payment terminal 1 converts the order information into a graphic code, and displays a graphic code image including a graphic code on the display module 13 of the receiving terminal 1, the order information including signature information;
  • the payment terminal 2 ingests the graphic code image displayed on the display module 13 of the payment terminal, from which the order information is identified, and the payment terminal 2 verifies the signature information of the collection terminal 1 therein, and is displayed on the display module 23 of the payment terminal 2.
  • the order information is displayed on the user for confirmation; after the user confirms, the order is also signed with the private key of the party;
  • the payment terminal 2 converts the order information confirmed by the user into a graphic code, and displays a graphic code image including a graphic code on the display screen 23 of the payment terminal 2, wherein the order information includes signature information;
  • the payment terminal 1 ingests the graphic code image displayed on the display screen 23 of the payment terminal 2, and identifies the order information therein;
  • the payment terminal 1 sends the order information obtained in step 6) to the payment clearing system 3, and the collection terminal 1 verifies the signature of the collection terminal and the signature of the payment terminal in the order information, and after the verification is passed, the payment clearing system 3 Carry out fund allocation and liquidation.
  • the payment clearing system 3 transmits the payment result information to the payment terminal 2, and displays the payment result information on the display module 13 of the payment terminal 2.
  • the signature encryption algorithm in this embodiment may use an existing signature encryption algorithm such as a PKI algorithm or a CPK algorithm.

Abstract

La présente invention se rapporte au domaine technique du paiement mobile et porte sur un système de paiement à courte distance basé sur une image, le système comprenant un terminal de vérification et un terminal de paiement. Le terminal de vérification comprend : un module de génération de commande, qui est utilisé pour générer la commande correspondante selon les informations des biens ou du service sélectionnés par un utilisateur; un premier module de conversion en code à barres, qui est utilisé pour convertir les informations de commande en une image de codes à barres comprenant le code à barres ou identifier les informations de commande à partir d'une image de codes à barres; un premier module d'affichage, qui est utilisé pour afficher l'image de code à barres générée par le module de conversion en code à barres; un premier appareil de caméra, qui est utilisé pour capturer l'image de code à barres affichée par un second module d'affichage; et un module de communication, qui est utilisé pour communiquer avec un système de paiement et de règlement. Le terminal de paiement comprend un second appareil de caméra, un second module de conversion en code à barres et le second module d'affichage. La présente invention porte également sur un procédé de paiement à courte distance basé sur une image. La présente invention n'a pas besoin de modifier le matériel d'un téléphone mobile et permet la communication entre le téléphone mobile et le terminal de vérification par photographie de l'un et de l'autre sans autre communication, qui est sûre et fiable, ne produit aucun frais de communication et peut assurer la sécurité d'un paiement de transaction.
PCT/CN2011/070466 2011-01-21 2011-01-21 Système de paiement et procédé de paiement à courte distance basés sur une image WO2012097520A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN2011800023968A CN102449651A (zh) 2011-01-21 2011-01-21 基于图形的近距离支付系统及支付方法
PCT/CN2011/070466 WO2012097520A1 (fr) 2011-01-21 2011-01-21 Système de paiement et procédé de paiement à courte distance basés sur une image

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2011/070466 WO2012097520A1 (fr) 2011-01-21 2011-01-21 Système de paiement et procédé de paiement à courte distance basés sur une image

Publications (1)

Publication Number Publication Date
WO2012097520A1 true WO2012097520A1 (fr) 2012-07-26

Family

ID=46010199

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2011/070466 WO2012097520A1 (fr) 2011-01-21 2011-01-21 Système de paiement et procédé de paiement à courte distance basés sur une image

Country Status (2)

Country Link
CN (1) CN102449651A (fr)
WO (1) WO2012097520A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10607211B2 (en) * 2013-01-23 2020-03-31 Bundesdruckerei Gmbh Method for authenticating a user to a machine

Families Citing this family (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130132672A (ko) * 2012-05-21 2013-12-05 김주한 결제 단말기 애플리케이션, asp 시스템 및 결제 방법
CN103577981A (zh) * 2012-07-31 2014-02-12 黄金富 采用二维条码的手机支付系统和相应方法
CN103577979A (zh) * 2012-07-31 2014-02-12 黄金富 利用二维条码的手机支付系统和相应方法
CN103218884B (zh) * 2012-11-29 2017-08-11 彭超 一种应用手机二维码技术的公交刷卡系统
CN103208064A (zh) * 2012-12-06 2013-07-17 浙江大学 一种线上近程支付方法
CN103269328A (zh) * 2013-03-08 2013-08-28 陈景辉 一种基于图形信息交换的认证系统和方法
CN104166909B (zh) * 2013-05-17 2019-12-20 北京百度网讯科技有限公司 移动终端自动支付系统和方法
CN104281948A (zh) * 2013-07-09 2015-01-14 航天信息股份有限公司 基于二维码的移动支付方法和系统
CN103716331B (zh) * 2014-01-07 2015-06-10 腾讯科技（深圳）有限公司 一种数值转移的方法、终端、服务器及系统
CN103856640B (zh) * 2014-01-07 2015-07-01 腾讯科技（深圳）有限公司 一种对用户资源信息进行处理的方法及系统
CN103729765B (zh) 2014-01-15 2016-02-17 腾讯科技（深圳）有限公司 一种验证控制方法、终端、服务器、终端设备及系统
CN103996116A (zh) * 2014-04-21 2014-08-20 北京邮电大学 一种基于可见光通信技术的移动支付系统及方法
CN103942897B (zh) * 2014-04-23 2016-11-09 杭州电子科技大学 一种在atm机上实现无卡取款的方法
TWI621081B (zh) 2015-09-18 2018-04-11 財團法人工業技術研究院 產生與解碼具有驗證資料的影像串流的方法與裝置
CN105118191B (zh) * 2015-10-15 2017-07-14 李云祥 具有加密功能的自动存取款机及该自动存取款机的存取款方法
CN106682899A (zh) * 2015-11-10 2017-05-17 国民技术股份有限公司 一种通过手机确认网上交易安全的方法及其系统
CN108711049A (zh) * 2018-07-11 2018-10-26 深圳市华士精成科技有限公司 一种图形码支付系统和支付方法
CN112651727B (zh) * 2020-12-21 2024-03-29 中国工商银行股份有限公司 现场购物的代付方法、收单行服务器及系统

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1841425A (zh) * 2005-03-31 2006-10-04 华为技术有限公司 移动终端购物方法及其系统
CN101083011A (zh) * 2007-07-12 2007-12-05 高翔 基于条码识别的自动售货系统及其操作方法
JP2008009642A (ja) * 2006-06-28 2008-01-17 Toshiba Corp 情報処理装置
KR20090060712A (ko) * 2007-12-10 2009-06-15 한국전자통신연구원 파일에 삽입된 악성 코드 제거 장치 및 방법

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1725243A (zh) * 2004-08-25 2006-01-25 严刚 利用条形码识别商品真伪的方法和安全终端装置
CN101454795A (zh) * 2006-03-30 2009-06-10 奥博佩公司 移动的个人之间支付系统
CN1928907A (zh) * 2006-10-13 2007-03-14 钟杨 一种利用移动终端设备进行交易支付方法、系统及装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1841425A (zh) * 2005-03-31 2006-10-04 华为技术有限公司 移动终端购物方法及其系统
JP2008009642A (ja) * 2006-06-28 2008-01-17 Toshiba Corp 情報処理装置
CN101083011A (zh) * 2007-07-12 2007-12-05 高翔 基于条码识别的自动售货系统及其操作方法
KR20090060712A (ko) * 2007-12-10 2009-06-15 한국전자통신연구원 파일에 삽입된 악성 코드 제거 장치 및 방법

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10607211B2 (en) * 2013-01-23 2020-03-31 Bundesdruckerei Gmbh Method for authenticating a user to a machine

Also Published As

Publication number Publication date
CN102449651A (zh) 2012-05-09

Similar Documents

Publication Publication Date Title
WO2012097520A1 (fr) Système de paiement et procédé de paiement à courte distance basés sur une image
US20190073678A1 (en) Systems, methods, and computer program products providing payment in cooperation with emv card readers
US9519900B2 (en) Secure two party matching transaction system
US20110202465A1 (en) System and method for facilitating point of sale transactions with minimal transfer of sensitive data
EP1555638A1 (fr) Système de transaction électronique et terminal de transaction adapté
WO2013074859A1 (fr) Utilisation de représentations optiques communiquées à ou à partir d'un dispositif mobile
JP2013541106A5 (fr)
WO2015014202A1 (fr) Terminal financier mobile sécurisé et procédé d'opérations financières
JP2014513825A5 (fr)
CN103366272A (zh) 使用智能手机和平板电脑进行便捷支付的方法
CN104268744A (zh) 一种移动支付实现方法及系统
CN107194695A (zh) 交易码生成及扫描终端、交易码生成及交易方法
WO2014106366A1 (fr) Terminal de paiement dans un téléphone portable à base d'étiquette nfc, procédé de paiement et système de paiement
CN103886463A (zh) 一种电子商务系统及其相应配送服务验证收货人身份方法
CN103955828A (zh) 一种点对点支付系统及方法
CN110766397B (zh) 基于数据识别模型的近场支付方法
EP2584514A1 (fr) Système de transaction par carte de crédit en nuage et son procédé de transaction
CN102592370A (zh) 一种防止盗刷银行卡的方法
TWM560068U (zh) 臨櫃二維條碼掃碼繳費之系統
KR101547553B1 (ko) 선불형 결재 수단의 잔액 전환 방법 및 그를 이용하는 서버 장치
WO2013181882A1 (fr) Stylet, terminal mobile et procédé de traitement d'informations
KR101474706B1 (ko) 잔액 표시가 가능한 현금 결제카드
US20150348033A1 (en) Secure Payments Using Portable Communication Devices and Two Dimensional Codes
CN101515350A (zh) 一种通过移动电话实现安全支付的系统和方法
EP2575096A1 (fr) Transaction

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 201180002396.8

Country of ref document: CN

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11856606

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205 DATED 27/11/2013)

122 Ep: pct application non-entry in european phase

Ref document number: 11856606

Country of ref document: EP

Kind code of ref document: A1