WO2014094577A1

WO2014094577A1 - Mobile payment system and connection device thereof

Info

Publication number: WO2014094577A1
Application number: PCT/CN2013/089476
Authority: WO
Inventors: 姜洪明
Original assignee: Jiang Hongming
Priority date: 2012-12-17
Filing date: 2013-12-16
Publication date: 2014-06-26
Also published as: CN103473675A

Abstract

A mobile payment system and a connection device thereof. The mobile payment system comprises a user cellphone, a merchant cash register, payment software on the user cellphone, a merchant server, a network and a payment mechanism, wherein the user cellphone is connected to the merchant cash register via a connecting line. One end of the connecting line is provided with an earphone connector, and the other end thereof is provided with an earphone connector, or the other end thereof is provided with a standard USB connector, or the other end thereof is provided with a mini-USB connector. The connecting line comprises a chip.

Description

Mobile payment system and its connected device

Technical field:

The invention belongs to the field of mobile payment.

Background technique:

Currently in the field of near-field payment, cash payment and credit card payment are still the most mainstream means of payment. With the development of the mobile Internet and the expansion of the traditional Internet, with the increasing number of users of smart phones, mobile payment is an emerging technology.

However, the current mobile payment needs to re-engineer the hardware of the mobile phone at the same time, and re-engineer the paid P0S machine, such as NFC, which is costly and requires too much hardware to be transformed in the entire industry chain. Either there is no need to re-engineer the phone's hardware, but it will need to re-engineer the paid P0S machine, such as ultrasonic payment. Redesigned NFC P0S machine, redesigned ultrasonic P0S machine, and various new technology P0S machines, the first is a hardware cost, then the new P0S machine shape, product form, use form, are new, For the user's learning costs, the habit of switching habits is huge.

The invention provides a mobile payment system and a device thereof without a POS machine. Summary of the invention:

The technical problem to be solved by the present invention is to address the deficiencies of the above prior art, and propose a mobile payment system and a connection device thereof:

A mobile phone payment system and a connection device thereof, the mobile phone payment system comprises a user mobile phone, a merchant payment device, a payment software on a user mobile phone, a merchant server, a network, a payment institution; wherein the user mobile phone and the merchant payment device Connected by a cable.

The above-mentioned mobile payment system and its connected device transmit the user's payment account name to the merchant collection device through the payment software in the user's mobile phone, and the merchant collection device will user account, consumer goods, price Forming a bill to be transmitted to the merchant's server. The merchant's server sends the bill to the payment institution through the network. After the payment institution completes the payment of the bill, the information is transmitted to the merchant and the user. The merchant collection device transmits the bill to the merchant. When the server is used, it can also be transmitted to the user's mobile phone through the connection line. The above-mentioned mobile payment system and its connected device transmit the user's payment account name to the merchant collection device through the payment software in the user's mobile phone, and the merchant collection device will user account, consumer goods, price Forming a bill and transmitting it to the user's mobile phone. After the user confirms the payment, the bill information is transmitted to the payment institution, and after the payment institution completes the payment of the bill, the information is transmitted to the merchant and the user; the merchant collection device transmits the bill to the bill. At the same time as the user's mobile phone, the bill can be transmitted to the merchant's server at the same time; the merchant can check the unpaid bill transmitted by the payment device and the paid bill transmitted by the payment institution.

The above-mentioned mobile payment system and its connected device, if the payment institution is a third-party payment institution, a third-party payment institution, after receiving the bill from the merchant or the mobile phone, the account balance of the user in the third-party payment system can be directly Transferred to the merchant, after the bill payment is completed, the information is transmitted to the merchant and the user; that is, the payment of the bill is completed without going through the bank.

The above-mentioned mobile payment system and its connection device may be the Internet or a financial private network.

The above-mentioned mobile payment system and its connection device, the payment institution is a bank, a UnionPay, a third-party payment institution, and an operator.

In the above mobile payment system and its connecting device, one end of the connecting line is a headphone jack, the other end is a earphone connector, or the other end is a standard USB connector, or the other end is a mini USB connector.

In the above mobile payment system and its connection device, the connection line includes a chip.

In the above mobile payment system and its connection device, the chip is a decoding chip, and the audio signal is converted into a digital signal, or the digital signal is converted into an audio signal.

The mobile payment system and the connected device thereof are the cash register, the merchant mobile phone, the merchant computer, and the merchant tablet computer. Compared with the prior art, the present invention has the following advantages:

1. Mobile payment does not need to re-engineer the mobile phone hardware, nor does it need to redesign the new P0S machine. It is a system that does not have a P0S machine and is directly connected to the cash register.

2. Solved the problem that the potential signal reception failure of various new mobile payment causes the payment to fail. Or mistakenly receiving a signal, causing a problem of incorrect payment.

3. Solved the potential security issues of various new mobile payments. BRIEF DESCRIPTION OF THE DRAWINGS:

The invention will be more clearly understood from the following detailed description taken in conjunction with the accompanying drawings.

Figure 1: Schematic diagram of mobile payment system 1

Figure 2: System diagram of mobile payment 2

Figure 3: Cable for mobile payment 10, both ends are headphone connectors

Figure 4: Cable for mobile payment 20, one end is a headphone connector, and the other end is a standard USB connector

Figure 5: Cable for mobile payment 30, one end is a headphone connector, and the other end is a mini USB connector

Figure 6: The connection line for mobile payment 40, one end is a headphone connector, and the - end is a standard USB connector.

Figure 7: Cable for mobile payment 50, both ends are headphone connectors, W

Figure 8: Schematic diagram of a user's mobile phone connecting to a merchant's mobile phone for payment

Figure 9: Schematic diagram of a user's mobile phone connecting to a user's mobile phone for payment

Figure 10: Schematic diagram of the user's mobile phone connecting to the merchant's computer for payment.

1 headphone connector

2 headphone connector

3 standard USB connector

4 mini USB connector

5 USB interface with chip

6 chips

10 cable, both ends are headphone connectors

20 cable, one end is a headphone connector, and one end is a standard USB connector

30 cable, one end is a headphone connector, and one end is a mini USB connector

40 cable, one end is a headphone connector, one end is a standard USB connector, with a chip

50 cable, both ends are headphone connectors, with chip detailed description:

As shown in the mobile payment system in FIG. 1, the user's mobile phone is connected to the merchant's cash register by a connection cable, and the user's payment account name is transmitted to the cash register through the payment software in the user's mobile phone, and the cash register will be User accounts, consumer goods, prices, forming a bill, transmitted to the merchant's server, the merchant's server sends the bill through the network (this network can be the Internet, or a variety of financial private networks), sent to the payment institution (the payment institution can It is a bank; it can be UnionPay; it can also be a third-party payment institution, such as Alipay, Tenpay, etc.; it can also be an operator, such as mobile, China Unicom, telecommunications, etc.). After the payment institution completes the payment of the bill, it transmits the information to The user's mobile phone informs the user that the bill has been paid. After the payment institution completes the payment of the bill, it transmits the information to the merchant's server through the network, and informs the merchant that the bill has been paid.

The mobile payment system in FIG. 1 can also connect the user's mobile phone to the merchant's cash register through the connection line, transmit the user's payment account name to the cash register through the payment software in the user's mobile phone, and receive the cash. The machine transfers the user account, the consumer goods, the price, and forms a bill to the merchant's server, and also transmits it to the user's mobile phone through the connection line. Let the user know the bill amount and details at the first moment. The other steps are as described above.

In the mobile payment system of FIG. 1, it is also possible to connect the user's mobile phone to the merchant's cash register by using a connection cable, and transmit the user's payment account name to the cash register through the payment software in the user's mobile phone and through the connection line. The cash register transmits the user account, the consumer goods, the price, and forms a bill to the user's mobile phone. After the user confirms the payment, the bill information is transmitted to the payment institution, and after the payment institution completes the payment of the bill, the information is transmitted to the merchant through the network. server. In this payment process, the cash register can simultaneously transfer the bill to the merchant's server while transmitting the bill to the user's mobile phone. The merchant can check the unpaid bills transmitted by the cash register and the paid bills transmitted by the payment institution. In the mobile payment system of FIG. 1, if the payment institution is a third-party payment institution, the third-party payment institution, after receiving the bill from the merchant or the mobile phone, can directly deduct the money of the account balance of the user in the third-party payment system. The merchant (which can be directly transferred to the merchant's account on the third-party payment system), after the bill payment is completed, transmits the information to the merchant and the user. That is, the payment of the bill is completed without going through the bank. 2 is a further illustration of the mobile payment system of FIG. 1. The payment institution transfers the bill amount from the account of the user in the account bank of the user to the account of the merchant in the bank of the merchant's account through the payment gateway of the online banking. network After the silver payment gateway completes the transfer, it transmits the information to the payment institution. Figures 3 to 7 show the collection devices of the user's mobile phone and the merchant, such as a cash register, a merchant mobile phone, a merchant computer, a merchant tablet, and the like. The connection device can be connected to the cable 40 as shown in Fig. 6. One end is the earphone connector 1, usually a standard 3.5mm earphone connector, the other end is a standard USB connector 5, and the USB connector 5 contains a chip 6, which can be decoded. A chip that converts a sound signal into a digital signal or a digital signal into an audio signal. Or, in addition to the decoding chip, an encryption chip is included to encrypt the transmission information.

The connecting device may also be a connecting cable 20 as shown in FIG. 4, one end is a headphone jack 1 and the other end is a standard USB connector 3; or a connecting cable 30 as shown in FIG. 5, one end is a headphone jack 1 and the other end is a standard The mini USB connector 4; the cable 20 and the connector 30 have no chip 6. The decoding function is implemented by software on a computer or a mobile phone to perform soft decoding, converting an audio signal into a digital signal, or converting a digital signal into an audio signal. Encryption is also implemented by software on your computer or mobile phone.

The connecting device in the mobile payment system can also be a connecting cable 50 as shown in Fig. 7. Both ends are earphone connectors, and the connecting wires are provided with chips 6, including decoding chips. Or in addition to the decoding chip, an encryption chip is also included.

The connecting device in the mobile payment system can also be a connecting cable 10 as shown in Fig. 3. Both ends are earphone connectors, without chips, decoding, encryption, etc. are completed by software on a computer or a mobile phone. The above connecting device is usually a headphone connector inserted into the earphone interface of the mobile phone, and the other end is connected to the receiving device, and the receiving device may be a cash register, a merchant mobile phone, a merchant computer, a merchant tablet computer and the like. Sometimes it can be reversed, for example, the mini USB port is connected to the mobile phone, and the earphone connector is connected to the cash register device. In addition to the example of the drawing, a mini USB connector can be used at one end to connect the mobile phone, and the other end is a standard USB connector for receiving the device. It can also be a special connector, such as a special connector for some mobile phones at one end and a standard USB connector at the other end. The technology of the present invention can also be used for payment between a user's mobile phone and a merchant mobile phone. As shown in FIG. 8, the user's mobile phone and the merchant's mobile phone are connected by a connecting line with earphone connectors at both ends, and the user and the merchant can be connected. The account information is transmitted directly without input, and the transfer of bills can be completed, and payment, transfer, etc. between the user's mobile phone and the merchant's mobile phone can be performed.

The technology of the present invention can also be used to perform mobile payment between any two users, as shown in Figure 9 through both ends. The cable of the headphone connector connects the two users' mobile phones to complete the payment, transfer, etc. between the two users. The technology of the present invention can also be used for payment between a user's mobile phone and a merchant tablet computer. As shown in FIG. 10, the user's mobile phone and the merchant tablet computer are connected through a connection line with earphone connectors at both ends, and the user and the user can be completed. Payments, transfers, etc. between merchants. The user's mobile phone in the present invention can be replaced with a user's tablet computer for mobile payment.

In addition to completing the mobile phone payment, the connection line in the present invention can also perform functions such as file transmission and data transmission. The specific layout and operation mode according to the idea of the present invention are all within the protection scope of the present invention, and the replacement and displacement of the position, the quantity, the kind, the size, the shape and the like in the specific example of the present invention are all protected in the present invention. Within the scope.

For example, changes to the specific payment flow in the present invention are included in the scope of the present invention.

The merchant's collection equipment has various collection devices such as cash register, merchant mobile phone, merchant computer, merchant tablet computer, etc. The cash register is only exemplified in Figures 1 and 2, but it can be any other type. Receiving equipment. It is to be understood by those skilled in the art that the present invention is not limited to the preferred embodiments of the present invention, and the present invention is described in detail with reference to the foregoing embodiments. It is still possible to modify the technical solutions described in the foregoing embodiments, or to replace some of the technical features. 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

claims

1. A mobile phone payment system and its connection equipment, which is characterized by including a user's mobile phone, a merchant's payment equipment, payment software on the user's mobile phone, a merchant server, a network, and a payment institution; wherein the user's mobile phone and the merchant's payment equipment are connected through line connection.

2. The mobile phone payment system and its connection equipment according to claim 1, characterized in that the user's payment account name is transmitted to the merchant's payment equipment through the payment software in the user's mobile phone and through the connection line, and the merchant collects the payment. The payment device forms a bill from the user account, consumer goods, and prices and transmits it to the merchant's server. The merchant's server sends the bill to the payment institution through the network. After the payment institution completes the payment of the bill, it transmits the information to the merchant and the user. ; When the merchant's payment equipment transmits the bill to the merchant's server, it can also transmit it to the user's mobile phone through the connection line at the same time.

3. The mobile payment system and its connection equipment according to claim 1, characterized in that the user's payment account name is transmitted to the merchant's payment equipment through the payment software in the user's mobile phone and through the connection line, and the merchant collects the payment. The device forms a bill with the user account, consumer goods, and price, and transmits it to the user's mobile phone. After the user confirms the payment, the bill information is transmitted to the payment institution. After the payment institution completes the payment of the bill, it transmits the information to the merchant and the user. ; While the merchant's collection equipment transmits the bill to the user's mobile phone, it can also transmit the bill to the merchant's server at the same time; The merchant can check the unpaid bill transmitted by the collection equipment and the paid bill transmitted by the payment institution.

4. The mobile phone payment system and its connecting equipment according to claim 1, characterized in that if the payment institution is a third-party payment institution, the third-party payment institution, after receiving the bill from the merchant or mobile phone, can directly transfer the payment to the user. The account balance in the third-party payment system is transferred to the merchant, and after the bill payment is completed, the information is transmitted to the merchant and the user; that is, the bill payment is completed without going through the bank.

5. The mobile payment system and its connection equipment according to claim 1, characterized in that the network can be the Internet or a financial private network.

6. The mobile payment system and its connection equipment according to claim 4, characterized in that the payment institution is a bank, UnionPay, a third-party payment institution, or an operator.

7. The mobile phone payment system and its connection device according to claim 1, characterized in that one end of the connection cable is a headphone connector, the other end is a headphone connector, or the other end is a standard USB connector, or the other end is a Mini USB connector.

8. The mobile phone payment system and its connecting device according to claim 1, characterized in that the connecting line contains a chip.

9. The mobile phone payment system and its connecting device according to claim 8, characterized in that the chip is a decoding chip that converts audio signals into digital signals, or converts digital signals into audio signals. . The mobile phone payment system and its connection equipment according to claim 7, characterized in that the merchant's payment equipment is a cash register, a merchant's mobile phone, a merchant's computer, and a merchant's tablet computer.