WO2013078898A1

WO2013078898A1 - Online payment method and corresponding device

Info

Publication number: WO2013078898A1
Application number: PCT/CN2012/081231
Authority: WO
Inventors: 王亚辉
Original assignee: 惠州Tcl移动通信有限公司
Priority date: 2011-12-02
Filing date: 2012-09-11
Publication date: 2013-06-06
Also published as: CN102542443A

Abstract

Disclosed is an online payment method and further provided is a corresponding device. In the present invention, a corresponding price is acquired through bar code information of acquired goods, a total price which should be paid is calculated according to the price, and then the total price which should be paid, acquired customer account information and merchant account information are sent to a payment platform for payment. According to the method, the moving range of the payment device is greatly increased, consumption and payment can be realized anytime and anywhere, and no scanner is required to be externally arranged for scanning bar codes of goods, so that the payment is more convenient, flexible and intelligent.

Description

Online payment method and corresponding device

【技术领域】[Technical Field]

The present invention relates to the field of computer communications, and in particular, to an online payment method and corresponding device.

【背景技术】【Background technique】

The POS machine is the most common payment device, which popularizes card consumption, facilitates consumer payment, and increases consumer security. However, POS machines also have limitations. For example, they can only pay by manually entering the price, which is easy to make mistakes; the POS machine's mobile line is poor and cannot be used with it; these limitations of the POS machine also lead to payment methods and payment use. Limitations of scope.

More flexible and intelligent payment methods and payment devices are among the current major research and development directions in the industry.

【发明内容】 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide an online payment method, and also provide a corresponding device, which can make payment more convenient, flexible and intelligent.

In order to solve the above technical problem, a technical solution adopted by the present invention is:

An online payment method, which includes:

Update the commodity information table preset in the local;

Take picture information of the product barcode;

Decoding the bar code information of the product according to the picture information;

Obtaining a corresponding price from the commodity information table set in advance according to the barcode information, where the commodity information table includes barcode information and a corresponding price;

Calculate the total price payable based on price;

Obtaining customer account information;

The total price payable, the account information, and the preset local merchant account information are sent to the payment platform for payment.

Further, after the step of transmitting the total price, the account information, and the preset local merchant account information to the payment platform for payment, the method further includes:

Prompting to enter the password of the consumer's account;

Receiving a password for an account entered by the consumer;

Send the password to the payment platform for verification.

Further, after the step of sending the password to the payment platform for verification, the method further includes:

Receiving a message of payment success/payment failure returned by the payment platform.

Further, the item information table includes the item name, the lot number of the item, and/or the place of origin.

In order to solve the above technical problem, another technical solution adopted by the present invention is:

Provide an online payment method, including:

Obtain barcode information of the product;

Obtaining, according to the barcode information, a corresponding price from a commodity information table set in advance, wherein the commodity information table includes barcode information and a corresponding price;

Calculate the total price payable based on the price;

Obtaining customer account information;

Further, the step of obtaining barcode information of the commodity includes:

Take picture information of the product barcode;

The bar code information of the product is decoded according to the picture information.

Further, the step of obtaining bar code information of the product further includes:

Update the product information table preset in the local.

Prompting to enter the password of the consumer's account;

Receiving a password of the account entered by the consumer;

The password is sent to the payment platform for verification.

Further, the product information table includes the product name, the batch number of the product, and/or the place of origin.

Provide an online payment device that includes:

a first obtaining module, configured to obtain barcode information of the commodity;

a baseband processing chip, configured to acquire, according to barcode information acquired by the first obtaining module, a corresponding price from a commodity information table set in advance, where the commodity information table includes barcode information and a corresponding price, and according to the price Calculate the total price payable;

An NFC module for obtaining account information of a consumer;

The radio frequency module is configured to send the total price payable, the account information, and a preset local merchant account to the payment platform for payment.

Further, the first obtaining module includes:

a shooting unit for taking picture information of a product barcode;

And a decoding unit, configured to decode barcode information of the commodity according to the picture information captured by the shooting unit.

Further, the baseband processing chip is further used to update a commodity information table that is preset in the local.

Further, the device further includes:

a keyboard for receiving a password of the account entered by a consumer;

The radio frequency module is further configured to:

Sending the password received by the keyboard to the payment platform for verification.

Further, the device further includes:

LCD display for displaying the price corresponding to the barcode information.

Further, the NFC module is further configured to read the smart IC card information of the consumer and send the information to the baseband processing chip, where the smart IC card information includes at least the account information of the consumer.

Further, the baseband processing chip is further configured to receive the smart IC card information sent by the NFC module, and send the smart IC card information to the radio frequency module.

The beneficial effects of the present invention are: different from the prior art, the present invention obtains the corresponding price by the bar code information of the obtained commodity, and calculates the total price payable according to the price, and then the total price payable, the obtained consumer account information, and The merchant account information is sent to the payment platform for payment; the method greatly increases the mobile device's mobile range, realizes payment at any time and any place, and does not need a peripheral peripheral scanner to scan the commodity barcode, so that the payment is more convenient and flexible. And smart.

【附图说明】 [Description of the Drawings]

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work. among them:

1 is a data flow diagram of an embodiment of an online payment method of the present invention;

2 is a schematic diagram showing the logical structure of an embodiment of an online payment device of the present invention.

【具体实施方式】【detailed description】

The invention will now be described in detail in conjunction with the drawings and embodiments.

Referring to FIG. 1, an embodiment of the online payment method of the present invention includes the following steps:

101. Obtain barcode information of the commodity;

An online payment device, such as a mobile terminal such as a mobile phone or a PDA, first obtains bar code information of the product, and the specific information can be obtained by a photographing device or a scanning device, and no limitation is imposed here;

For example, after the image information of the product barcode is captured by the imaging device, the barcode information of the product is decoded according to the image information;

102. Obtain a corresponding price from a commodity information table preset in the local according to the barcode information;

A product information table is preset in the device, and the product information table includes bar code information and a corresponding price, and may also include information such as a product name, a batch number of the product, a place of origin, and the like, and is not limited herein;

The commodity information table can be as shown in Table 1:

Table 1

Bar code	name	Price (yuan)
111234	Molar biscuit	4.5
256333	Ham sausage	1
......	......	......
256451	egg	1

Finding the corresponding price from the commodity information table according to the obtained barcode information. Specifically, if the acquired barcode information is 256333, the corresponding price is 1 yuan from the commodity information table;

103. Calculate the total price payable based on the price;

After obtaining the price of the commodity in step 102, calculating the total price payable according to the price of each commodity;

104. Obtaining account information of the consumer;

After calculating the total price payable, the account information of the consumer is obtained. Specifically, the smart IC card information of the consumer can be read through the near field communication module built in the device, or the bank magnetic card built in the device is used. The card swipe module reads the consumer's bank card information, and there is no restriction here;

105. Send the total price payable, the account information, and the preset local account information to the payment platform for payment;

The calculated total price payable, the account information of the consumer, and the merchant account information preset in the local are sent to the payment platform for payment.

Further, if the account of the consumer is provided with a password, the online payment method of the present invention further includes the following steps:

106. prompting to input a password of the consumer's account;

After the payment platform confirms the account of the consumer and the merchant, the payment platform returns a message that needs to input the password of the account of the consumer, and after receiving the message, the online payment device prompts to input the password of the account of the consumer;

107. Receive a password of an account input by a consumer;

108. Send the password to the payment platform for verification;

After receiving the password of the account entered by the consumer, the online payment device sends the password to the payment platform for password verification. If the password verification is successful, the message that the payment is successful is returned. If the password is incorrect or an error occurs during the payment process, the payment is not caused. If successful, return the message that the payment failed;

109. Receive a message that the payment platform returns a payment success/payment failure;

In this embodiment, the corresponding price is obtained by the barcode information of the obtained commodity, and the total price payable is calculated according to the price, and then the total price payable, the obtained consumer account information, and the merchant account information are sent to the payment platform for payment; the method is increased. The mobile device's mobile range enables consumer payment anywhere, anytime, and eliminates the need for a peripheral scanner to scan commodity barcodes, making payments more convenient, flexible, and intelligent.

Referring to FIG. 2, an embodiment of the online payment device of the present invention includes:

The first obtaining module includes:

The camera 201 is used to capture the picture information of the product barcode, and then sent to the baseband processing chip 204;

The decoding unit 202 is configured to decode the picture information of the commodity barcode sent by the baseband processing chip 204, obtain the barcode information of the commodity, and then return to the baseband processing chip 204;

The baseband processing chip 204 is configured to send the picture information of the commodity barcode sent by the camera 201 to the decoding unit 202 for processing; and receive the barcode information of the commodity returned by the decoding unit 202, according to the barcode information in the preset commodity information table. Obtain the corresponding price;

The NFC module 206 is configured to read the smart IC card information of the consumer, and send the information to the baseband processing chip 204, where the smart IC card information includes at least account information;

The baseband processing chip 204 is further configured to receive the smart IC card information of the consumer sent by the NFC module 206, and send the smart IC card information and the account information of the preset local merchant to the radio frequency module 205;

The radio frequency module 205 is configured to receive the smart IC card information sent by the baseband processing chip 204 and the account information of the preset local merchant, and send the information to the relevant payment platform for payment;

The liquid crystal display 203 is configured to display the price corresponding to the barcode information, and can also display other information that needs to be displayed, and is not limited herein;

The keyboard 207 is used for inputting the account password of the consumer, and can also input other necessary information, and there is no limitation here;

The radio frequency module 205 is further configured to send the password received by the keyboard 207 to the payment platform for verification;

Battery 208 for powering;

The online payment device in this embodiment may be a portable mobile terminal such as a mobile phone or a PDA;

In this embodiment, the barcode is obtained by acquiring barcode information of the commodity, and the price, the obtained consumer account information, and the merchant account information are sent to the payment platform for payment; the method greatly increases the movement range of the payment device. Realize payment anywhere, anytime, and no longer need a peripheral scanner to scan commodity barcodes, making payment more convenient, flexible and intelligent.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformation of the present invention and the contents of the drawings may be directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims

An online payment method, which includes:

Update the commodity information table preset in the local;

Take picture information of the product barcode;

Decoding the barcode information of the commodity according to the picture information;

Obtaining, according to the barcode information, a corresponding price from a commodity information table set in advance, the commodity information table including barcode information and a corresponding price;

Calculating the total price payable based on the price;

Obtaining customer account information;

The total price payable, the account information, and the preset local account information are sent to the payment platform for payment.
The method of claim 1, wherein the step of transmitting the total price payable, the account information, and the preset local merchant account information to the payment platform for payment further comprises:

Prompting to enter the password of the consumer's account;

Receiving a password of the account entered by a consumer;

The password is sent to the payment platform for verification.
The method of claim 2, wherein the step of transmitting the password to the payment platform for verification further comprises:

Receiving a message of payment success/payment failure returned by the payment platform.
The method of claim 1, wherein the item information table includes a product name, a lot number of the item, and/or a place of origin.
An online payment method, which includes:

Obtain barcode information of the product;

Obtaining, according to the barcode information, a corresponding price from a commodity information table set in advance, the commodity information table including barcode information and a corresponding price;

Calculating the total price payable based on the price;

Obtaining customer account information;

The total price payable, the account information, and the preset local account information are sent to the payment platform for payment.
The method of claim 5, wherein the step of obtaining barcode information of the commodity comprises:

Take picture information of the product barcode;

The barcode information of the commodity is decoded according to the picture information.
The method according to claim 5, wherein the step of obtaining the barcode information of the commodity further comprises:

Update the product information table preset in the local.
The method of claim 5, wherein the step of transmitting the total price payable, the account information, and the preset local merchant account information to the payment platform for payment further comprises:

Prompting to enter the password of the consumer's account;

Receiving a password of the account entered by a consumer;

The password is sent to the payment platform for verification.
The method according to claim 8, wherein the step of transmitting the password to the payment platform for verification further comprises:

Receiving a message of payment success/payment failure returned by the payment platform.
The method of claim 5, wherein the item information table includes a product name, a lot number and/or a place of origin of the item.
An online payment device, comprising:

a first obtaining module, configured to obtain barcode information of the commodity;

a baseband processing chip, configured to acquire, according to barcode information acquired by the first obtaining module, a corresponding price from a commodity information table set in advance, where the commodity information table includes barcode information and a corresponding price, and according to the price Calculate the total price payable;

An NFC module for obtaining account information of a consumer;

The radio frequency module is configured to send the total price payable, the account information, and a preset local merchant account to the payment platform for payment.
The device according to claim 11, wherein the first obtaining module comprises:

a shooting unit for taking picture information of a product barcode;

And a decoding unit, configured to decode barcode information of the commodity according to the picture information captured by the shooting unit.
The apparatus according to claim 11, wherein said baseband processing chip is further for updating a commodity information table set in advance locally.
The device of claim 11, wherein the device further comprises:

a keyboard for receiving a password of the account entered by a consumer;

The radio frequency module is further configured to:

Sending the password received by the keyboard to the payment platform for verification.
The device of claim 14, wherein the device further comprises:

LCD display for displaying the price corresponding to the barcode information.
The apparatus according to claim 11, wherein said item information table includes a item name, a lot number of the item, and/or a place of origin.
The device according to claim 11, wherein the NFC module is further configured to read the smart IC card information of the consumer and send the information to the baseband processing chip, the smart IC card information including at least the consumer account information.
The device according to claim 17, wherein the baseband processing chip is further configured to receive the smart IC card information sent by the NFC module, and send the smart IC card information to the radio frequency module.