WO2012151896A1

WO2012151896A1 - Mobile terminal, transaction system and method

Info

Publication number: WO2012151896A1
Application number: PCT/CN2011/082152
Authority: WO
Inventors: 赵栋; 张芝萍; 傅启洪; 张弛
Original assignee: 中兴通讯股份有限公司
Priority date: 2011-09-07
Filing date: 2011-11-14
Publication date: 2012-11-15
Also published as: CN102982449A

Abstract

Disclosed are a mobile terminal, a transaction system and method. The mobile terminal comprises: an electronic wallet management module, configured to manage an electronic wallet of a user, a near field communication module, configured to perform near field communication of electronic wallet information and of user purchase information between the mobile terminal belonging to self and a transaction correspondent terminal, and a transaction management module, configured to exchange the electronic wallet information and the purchase information between the mobile terminal and a management server. The present invention allows for POS transactions having the mobile terminal acting as the buyer or as the seller, and avoids the portability inconvenience of moving a POS machine, thus ensuring improved convenience and flexibility for POS transactions.

Description

TECHNICAL FIELD The present invention relates to the field of communications, and in particular to a mobile terminal, a transaction system, and a method. BACKGROUND With the development of communication technologies, mobile phone products, especially smart phones, are increasingly popular in people's daily lives, and the uplink and downlink data rates supported by wireless networks are continuously increasing, new data service applications are constantly emerging, and mobile phones are in people's Life is playing an increasingly important role. Mobile applications are no longer limited to traditional applications such as telephone and SMS, and are also used in new areas such as access control and consumer payment. Near Field Communication (NFC) technology makes such applications safer and more feasible. . FC technology is a fusion of non-contact radio frequency identification (RFID) and interconnection technology. It is a short-range wireless communication technology standard. It integrates a contactless card reader, a contactless smart card and a point-to-point function on a single chip. It operates in the frequency range of 13.56MHz and can establish a connection between devices within a range of approximately 10cm. The data transfer rate can be 106, 212, 424 kbps, the future can be increased to 848 kbps or more. The FC terminal has three working modes: In active mode, it actively sends out its own RF field to identify and read/write other FC devices; in passive mode, FC can be simulated as a card being read/written, which is only sent by other devices. Passive response in the RF field; In the two-way mode, both parties actively send out the RF field to establish peer-to-peer communication. In the financial field, the current traditional payment methods are mainly carried out by magnetic stripe cards and Pos machines. For the seller, the place is required to be fixed, and it is only applicable to fixed places such as supermarkets and shopping malls; for buyers, it is necessary to carry a bank magnetic stripe card to conduct transactions. In response to this defect, a mobile Pos machine has emerged, but it is still inconvenient for ordinary users to carry. SUMMARY OF THE INVENTION The present invention provides a mobile terminal, a transaction system, and a method for solving at least the problem of inconvenience of a mobile Pos machine in the related art. In order to achieve the above object, according to an aspect of the present invention, a mobile terminal is provided. The mobile terminal according to the present invention includes an electronic wallet management module configured to manage the user's electronic wallet; the near field communication module is configured to perform information and use of the electronic wallet between the mobile terminal to which the user belongs and the transaction peer. Near field communication of the user's consumption information; the transaction management module is configured to perform interaction of the information of the electronic wallet and the consumption information between the mobile terminal and the management server. The near field communication module includes: a mode selection submodule, configured to select a communication mode of near field communication, wherein the communication mode includes a transmission mode and a reception mode; and a communication submodule configured to perform the user's electronic wallet information and the user using the selected communication mode Near field communication of consumer information. The near field communication module further includes: an application interaction submodule, configured to select interaction information of the near field communication, wherein the interaction information includes at least one of the following: a payment request from the transaction peer, account information from the transaction peer, and an account corresponding to the transaction peer User certificate, payment response sent to the transaction peer, billing information sent to the transaction peer. The transaction management module includes: a first sending submodule, configured to send the user's account information and consumption information to the management server; and the first receiving submodule is configured to receive the transaction success information from the management server. The transaction management module comprises: a second receiving submodule, configured to receive request information for printing an electronic bill from the transaction peer; a connection submodule, configured to establish a wireless connection with the printer; and a second sending submodule, set to the printer Send an electronic bill. In order to achieve the above object, according to another aspect of the present invention, a transaction system is provided. The transaction system according to the present invention includes: a mobile terminal, a management server, and a transaction peer, wherein the mobile terminal includes: an electronic wallet management module, configured to manage the user's electronic wallet; and a near field communication module, configured to be in the mobile terminal to which the user belongs Near field communication between the information of the electronic wallet and the consumption information of the user between the transaction peer; the transaction management module, configured to exchange the information of the electronic wallet and the consumption information between the mobile terminal and the management server; management server, setting In order to conduct transactions between the mobile terminal and the transaction peer according to the information and consumption information of the electronic wallet. The near field communication module includes: a mode selection submodule, configured to select a communication mode of near field communication, wherein the communication mode includes a transmission mode and a reception mode; and a communication submodule configured to perform the user's electronic wallet information and the user using the selected communication mode Near field communication of consumer information. The transaction management module includes: a first sending submodule, configured to send the user's account information and consumption information to the management server; and the first receiving submodule is configured to receive the transaction success information from the management server. In order to achieve the above object, according to still another aspect of the present invention, a transaction method is provided. The transaction method according to the present invention includes: the mobile terminal and the transaction peer perform near field communication of the user's electronic wallet information and the user's consumption information; and the mobile terminal and the management server perform interaction of the electronic wallet information and the consumption information. The near field communication of the mobile terminal and the transaction peer to perform the user's electronic wallet information and the user's consumption information includes: selecting a communication mode of the near field communication, wherein the communication mode includes a transmission mode and a reception mode; and using the selected communication mode to perform the user's electronic Near field communication of wallet information and user's consumption information. The interaction between the mobile terminal and the management server for the information of the electronic wallet and the consumption information comprises: the mobile terminal transmitting the account information and the consumption information of the user to the management server; the mobile terminal receiving the transaction success information from the management server. After the mobile terminal interacts with the management server for the information of the electronic wallet and the consumption information, the method further includes: the mobile terminal receives the request information for printing the electronic bill from the transaction peer; the mobile terminal establishes a wireless connection with the printer; The terminal sends an electronic bill to the printer. The invention integrates the electronic wallet management module, the near field communication module and the transaction management module into the mobile terminal, so that the mobile terminal can perform the Pos transaction as the buyer or the seller, and avoid the inconvenience of the mobile Pos, and ensure the Pos transaction is more convenient. flexible. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are set to illustrate,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 1 is a structural block diagram of a mobile terminal according to an embodiment of the present invention; FIG. 2 is a structural block diagram of a mobile terminal according to an embodiment of the present invention; FIG. 3 is a structural block diagram of a mobile terminal according to an embodiment of the present invention; 2 is a block diagram of a structure of a mobile terminal according to an embodiment of the present invention; FIG. 5 is a schematic diagram of a mobile terminal according to an embodiment of the present invention; FIG. 6 is a structural block diagram of a transaction system according to an embodiment of the present invention; A schematic diagram of a transaction system in accordance with an embodiment of the present invention; 8 is a flow chart of a transaction method in accordance with an embodiment of the present invention; and FIG. 9 is an interaction flow diagram of a transaction method in accordance with a preferred embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. The invention will be described in detail below with reference to the drawings in conjunction with the embodiments. The invention provides a mobile terminal. 1 is a structural block diagram of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 1, the electronic wallet management module 11, the near field communication module 12, and the transaction management module 13 are included. The structure is described in detail below. The electronic wallet management module 11 is configured to manage the user's electronic wallet; the near field communication module 12 is connected to the electronic wallet management module 11 and configured to be managed by the electronic wallet management module 11 between the mobile terminal to which the user belongs and the transaction peer. The near field communication of the information of the electronic wallet and the consumption information of the user; the transaction management module 13, connected to the near field communication module 12, configured to perform interaction of the information of the electronic wallet and the consumption information between the mobile terminal and the management server. In the related art, although there is a mobile Pos machine, it is inconvenient to carry. In the embodiment of the present invention, by integrating the electronic wallet management module, the near field communication module and the transaction management module into the mobile terminal, the mobile terminal can be used as a buyer or a seller to perform Pos transactions, and the inconvenience of the mobile Pos is avoided. Pos trading is more convenient and flexible. In order to more clearly describe the present invention, the electronic wallet management module 11, the near field communication module 12, and the transaction management module 13 will be described in detail below. (1) Near Field Communication Module 12 FIG. 2 is a structural block diagram 1 of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 2, the near field communication module 12 includes a mode selection submodule 122 and a communication submodule 124, wherein The selection sub-module 122 is configured to select a communication mode of near field communication, wherein the communication mode includes an active mode, a passive mode, and a bidirectional mode; the communication sub-module 124 is coupled to the mode selection sub-module 122, and is configured to be selected using the mode selection sub-module 122. The communication mode performs near field communication of the user's electronic wallet information and the user's consumption information. Considering that the near field communication terminal has three working modes, the setting mode selecting submodule in the preferred embodiment can conveniently select a desired working mode for the mobile terminal to communicate with the transaction peer. More preferably, the near field communication module 12 may further include an application interaction sub-module 126 coupled to the communication sub-module 124, configured to select the interaction information of the near field communication and perform near field communication by the communication sub-module 124, wherein the interaction information includes the following At least one: a payment request from the opposite end of the transaction, The account information from the transaction peer, the user certificate corresponding to the account of the transaction peer, the payment response sent to the transaction peer, and the bill information sent to the transaction peer.

(2) The transaction management module 13 is a block diagram of the structure of the mobile terminal according to the embodiment of the present invention. As shown in FIG. 3, the transaction management module 13 includes a first transmission sub-module 132 and a first receiving sub-module 134, where The first sending sub-module 132 is configured to send the user's account information and consumption information to the management server; the first receiving sub-module 134 is connected to the first sending sub-module 132, and is configured to send the user's account information in the first sending sub-module 132. After the information is consumed, the transaction success information from the management server is received. 4 is a block diagram 3 of a structure of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 4, the transaction management module 13 includes a second receiving submodule 136 configured to receive request information for printing an electronic bill from a transaction peer; The connection sub-module 138, connected to the second receiving sub-module 136, is configured to establish a wireless connection with the printer; the second transmitting sub-module 139, coupled to the connection sub-module 138, is configured to send an electronic bill to the printer. In the preferred embodiment, when the transaction peer requests to print the electronic bill, the mobile terminal sends a request to the mobile terminal, and the mobile terminal communicates with the printer through the wireless connection, and prints the electronic bill, so that the user can understand the consumption situation and improve the user experience. The implementation process of the embodiment of the present invention will be described in detail below with reference to examples. FIG. 5 is a schematic diagram of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 5, the mobile terminal includes an electronic wallet management module 51 (corresponding to the electronic wallet management module 11 described above) and an NFC communication management module 52 (corresponding to the above The field communication module 12), the Pos application management module 53 (corresponding to the transaction management module 13 described above). The e-wallet management module is configured to manage the user e-wallet, and includes a SIM card management sub-module, a card communication sub-module, a UI interface sub-module, etc., and is configured to view and set account information, maintain a password, and the user on the mobile phone. The card communication management module is configured to manage the FC communication between the two mobile phones in the Pos transaction process of the buyer and the seller, including a mode switching sub-module, a data transceiver sub-module, and an application interaction sub-module. Using FC communication, the buyer can send a payment request, account information to the seller, and receive the payment response from the opposite end, the user certificate corresponding to the buyer account, etc.; the seller can receive the payment request, account information from the buyer, and send the consumption response to the buyer's mobile phone. , billing information, etc.; Pos application management module is set to the seller for Pos application management, including payment transaction sub-module, print management sub-module, service request sub-module. The Pos application management module is configured to synchronize payment information to the server, send electronic bills to the buyer's mobile phone, consumption amount and user certificate, and the like, and send a print request to the printer via a wireless device such as Bluetooth. The present invention provides a transaction system. FIG. 6 is a structural block diagram of a transaction system according to an embodiment of the present invention. As shown in FIG. 6, the method includes: a mobile terminal 61, a management server 63, and a transaction peer 65, wherein the mobile terminal 61 The electronic wallet management module 611 is configured to manage the user's electronic wallet; the near field communication module 612 is connected to the electronic wallet management module 611, and is configured to manage the electronic wallet management module 611 between the mobile terminal 61 and the transaction end 65. The near field communication of the information of the electronic wallet and the consumption information of the user; the transaction management module 613, connected to the near field communication module 612, and the electronic wallet configured to communicate with the near field communication module 612 between the mobile terminal 61 and the management server 63 The interaction between the information and the consumption information; the management server 63, connected to the transaction management module 613, is configured to perform the transaction between the mobile terminal and the transaction peer according to the information of the electronic wallet and the consumption information exchanged by the transaction management module 613. The implementation process of the embodiment of the present invention will be described in detail below with reference to examples. 7 is a schematic diagram of a transaction system according to an embodiment of the present invention. As shown in FIG. 7, the mobile terminal 71, the transaction peer 72, the management server 73, and the printer 74 are included, wherein both the mobile terminal 71 and the transaction peer 72 may include The electronic wallet management module 711 (721), the near field communication module 712 (722), and the transaction management module 713 (723). It should be noted that only the modules involved in the transaction process by the mobile terminal 71 and the transaction peer 72 are shown in FIG. The structure will be described in detail below with reference to FIG. Both the transaction management module 713 in the mobile terminal 71 and the electronic wallet management module 721 in the transaction peer 72 interact with the near field communication module 712 (722), and the mobile terminal 71 and the transaction partner 72 pass through the near field communication module 712. ( 722 ) to send and receive data. The management server 74, the transaction management module 713 connected to the mobile terminal 71, is arranged to perform transactions between the mobile terminal 71 and the transaction partner 72 based on the information of the electronic wallet and the consumption information. Only the mobile terminal 71 as the Pos machine needs to communicate with the management server 73 and the printer 74, so that the transaction terminal 72 as a consumer does not need to access the mobile network during the transaction, thus avoiding the network traffic fee of the consumer on the one hand. On the other hand, mobile phones that do not have access to the Internet can also make mobile payments. The mobile terminal 71 can issue a bill print request to the printer 74 by wireless communication means such as Bluetooth. The present invention provides a transaction method that can be used to implement the above described transaction system. FIG. 8 is a flowchart of a transaction method according to an embodiment of the present invention. As shown in FIG. 8, the following steps S802 to S804 are included. Step S802, the mobile terminal performs near field communication with the transaction peer on the electronic wallet information of the user and the consumption information of the user. Step S804, the mobile terminal and the management server perform interaction of the information of the electronic wallet and the consumption information. In the related art, although there is a mobile Pos machine, it is inconvenient to carry. In the embodiment of the present invention, by integrating the electronic wallet management module, the near field communication module and the transaction management module into the mobile terminal, the mobile terminal can be used as a buyer or a seller to perform Pos transactions, and the inconvenience of the mobile Pos is avoided. Pos trading is more convenient and flexible. Preferably, performing near field communication of the user's electronic wallet information and the user's consumption information with the transaction peer includes: selecting a communication mode of the near field communication, wherein the communication mode includes a sending mode and a receiving mode; using the selected communication mode Near field communication of the user's electronic wallet information and the user's consumption information. Preferably, the interaction between the mobile terminal and the management server for the information of the electronic wallet and the consumption information comprises: the mobile terminal transmitting the account information and the consumption information of the user to the management server; and the mobile terminal receiving the transaction success information from the management server. Preferably, after the mobile terminal interacts with the management server for the information of the electronic wallet and the consumption information, the method further includes: the mobile terminal receives the request information for printing the electronic bill from the transaction peer; the mobile terminal establishes the wireless with the printer Connection; The mobile terminal sends an electronic bill to the printer. In the preferred embodiment, when the transaction peer requests to print the electronic bill, the mobile terminal sends a request to the mobile terminal, and the mobile terminal communicates with the printer through the wireless connection, and prints the electronic bill, so that the user can understand the consumption situation and improve the user experience. The implementation process of the embodiment of the present invention will be described in detail below with reference to examples. FIG. 9 is an interaction flowchart of a transaction method according to a preferred embodiment of the present invention. As shown in FIG. 9, the following steps S901 to S918 are included. Step S901, starting a transaction management module in the mobile terminal, prompting to input the consumption amount information. Step S902, after inputting the amount, sending the consumption amount information to the near field communication module, the near field communication module starts the near field communication, and the mobile terminal is close to the transaction peer end, and the near field communication modules of the two establish a connection, and the consumption amount information is The near field communication module sent to the opposite end of the transaction is forwarded to the electronic wallet management module of the transaction peer. Step S903, the user interface of the transaction peer prompts the consumption amount. Step S904, the account information of the transaction peer is sent to the near field communication module of the mobile terminal, and after receiving the account information of the transaction peer end, the near field communication module of the mobile terminal forwards the account information to the transaction management module of the mobile terminal, and then passes the The mobile network is sent to the management server. Step S905: The management server generates a digital certificate of the account in the transaction peer. Step S906: Send the digital certificate to the transaction management module of the mobile terminal through the mobile network, and then send the digital certificate to the electronic wallet management module through the near field communication module. Step S907, the transaction peer electronic wallet management module prompts the user to input the password information. After correctly inputting the password and confirming, the digital certificate is used to encrypt the password information input by the user and then packaged into payment request information. Step S908, the payment request information is sent to the transaction management module of the mobile terminal through the near field communication module. Step S909, the transaction management module parses the ciphertext data, and then sends the ciphertext, the two accounts and the transaction amount together to the management server through the mobile network. Step S910, the management server decrypts the password of the consumption account by using the private key, and verifies, and passes the transfer transaction. Step S911, after the transaction is successful, send a transaction success message to the mobile terminal transaction management module through the mobile network, and then send the transaction success information to the transaction peer through the near field communication module. Step S912: After receiving the transaction success information, the transaction peer updates the electronic wallet information in the account through the SIM card management sub-module in the electronic wallet management module; after the update is successful, the UI interface sub-module prompts the user whether to print the electronic bill. Step S913, after the user selects to confirm the printing, the print request is sent by the near field communication module. Steps S914 to S918, the transaction management module of the mobile terminal processes the print request. If printing is required, a wireless connection such as Bluetooth with a nearby printer is established, and billing information is sent to the printer, the bill is printed, and the electronic billing information is sent to the transaction peer through the near field communication module. If you do not need to print, directly prompt the transaction to complete and exit. It should be noted that the steps shown in the flowchart of the accompanying drawings may be performed in a computer system such as a set of computer executable instructions, and, although the logical order is shown in the flowchart, in some cases, The steps shown or described may be performed in an order different than that herein. Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device, or they may be separately fabricated into individual integrated circuit modules, or they may be Multiple modules or steps are made into a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software. The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.

Claims

A mobile terminal, comprising:

An electronic wallet management module, configured to manage a user's electronic wallet;

a near field communication module, configured to perform near field communication between the information of the electronic wallet and the consumption information of the user between the mobile terminal to which the user belongs and the transaction peer;

The transaction management module is configured to perform interaction between the electronic money package information and the consumption information between the mobile terminal and the management server.

2. The mobile terminal according to claim 1, wherein the near field communication module comprises:

a mode selection submodule, configured to select a communication mode of near field communication, wherein the communication mode comprises one of: an active mode, a passive mode, and a bidirectional mode;

The communication sub-module is configured to perform near field communication of the user's electronic wallet information and the user's consumption information using the selected communication mode.

The mobile terminal according to claim 2, wherein the near field communication module further comprises: an application interaction submodule, configured to select interaction information of the near field communication, wherein the interaction information comprises at least one of the following: The payment request of the transaction peer, the account information from the opposite end of the transaction, the user certificate corresponding to the account of the transaction peer, the payment response sent to the transaction peer, and the bill information sent to the opposite end of the transaction.

The mobile terminal according to claim 1, wherein the transaction management module comprises:

a first sending submodule, configured to send the account information and the consumption information of the user to the management server;

The first receiving submodule is configured to receive transaction success information from the management server.

a second receiving submodule, configured to receive request information for printing an electronic bill from the opposite end of the transaction;

a connection submodule, set to establish a wireless connection with the printer;

A second transmitting submodule is arranged to send the electronic bill to the printer. A transaction system, comprising: a mobile terminal, a management server, and a transaction peer, wherein

The mobile terminal includes:

a near field communication module, configured to perform near field communication between the information of the electronic wallet and the consumption information of the user between the mobile terminal and the transaction peer;

a transaction management module, configured to perform interaction between the information of the electronic wallet and the consumption information between the mobile terminal and the management server;

The management server is configured to perform a transaction between the mobile terminal and the transaction peer according to the information of the electronic wallet and the consumption information. A trading method, including:

The mobile terminal and the transaction peer perform near field communication of the user's electronic wallet information and the user's consumption information;

The mobile terminal and the management server perform the interaction of the information of the electronic wallet and the consumption information. The method according to claim 7, wherein the near-field communication between the mobile terminal and the transaction peer for the user's electronic wallet information and the user's consumption information comprises:

A communication mode of near field communication is selected, wherein the communication mode includes a transmission mode and a reception mode; and the near communication communication of the user's electronic wallet information and the user's consumption information is performed using the selected communication mode. The method according to claim 7, wherein the interaction between the mobile terminal and the management server to perform the information of the electronic wallet and the consumption information comprises:

The mobile terminal transmits account information and consumption information of the user to the management server; the mobile terminal receives transaction success information from the management server. The method according to claim 7, wherein after the mobile terminal and the management server perform the interaction between the information of the electronic wallet and the consumption information, the method further includes:

Receiving, by the mobile terminal, request information for printing an electronic bill from the transaction peer; the mobile terminal establishes a wireless connection with the printer;

The mobile terminal transmits the electronic bill to the printer.