WO2014106366A1 - Terminal de paiement dans un téléphone portable à base d'étiquette nfc, procédé de paiement et système de paiement - Google Patents

Terminal de paiement dans un téléphone portable à base d'étiquette nfc, procédé de paiement et système de paiement Download PDF

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Publication number
WO2014106366A1
WO2014106366A1 PCT/CN2013/075142 CN2013075142W WO2014106366A1 WO 2014106366 A1 WO2014106366 A1 WO 2014106366A1 CN 2013075142 W CN2013075142 W CN 2013075142W WO 2014106366 A1 WO2014106366 A1 WO 2014106366A1
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
transaction
nfc tag
information
mobile payment
Prior art date
Application number
PCT/CN2013/075142
Other languages
English (en)
Chinese (zh)
Inventor
颜志超
Original Assignee
深圳市华营数字商业有限公司
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 深圳市华营数字商业有限公司 filed Critical 深圳市华营数字商业有限公司
Publication of WO2014106366A1 publication Critical patent/WO2014106366A1/fr

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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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Definitions

  • the present invention relates to a wireless electronic payment method, and more particularly to an NFC tag based mobile payment method and system. Background technique
  • the object of the present invention is to effectively overcome the deficiencies of the above technologies, and provide an NFC tag-based mobile payment terminal, payment method and system with simple payment and low cost.
  • An NFC tag-based mobile payment method which includes the following steps:
  • the consumer obtains the transaction amount through the mobile payment terminal to the merchant NFC tag, and the consumer confirms the transaction amount; the merchant NFC tag has the merchant identity information;
  • the mobile payment terminal sends the transaction request information to the transaction system
  • the transaction system performs transaction processing according to the requested information
  • the transaction system After processing the transaction request, the transaction system, after determining the merchant according to the merchant information, sends a payment information notification to the merchant cash register system, so that the merchant knows that the consumer has paid the fee.
  • the method further includes the following steps:
  • the mobile payment terminal After S1K determines the transaction amount, the mobile payment terminal requests the consumer to swipe the merchant NFC tag to confirm the transaction; S12, the mobile payment terminal swipes the merchant NFC tag, and the transaction confirmation is completed.
  • the method further includes the following steps:
  • the S4K trading system feeds back the payment completion result to the mobile payment terminal.
  • the merchant information in the merchant NFC tag includes a merchant name, a merchant ID, a merchant authentication logo, a merchant transaction key, and a certificate.
  • the present invention also provides a mobile payment terminal, which includes:
  • a merchant information obtaining unit 201 configured to acquire merchant information and transaction information by using a merchant NFC tag
  • An information sending unit configured to send transaction request information by the transaction system
  • An information receiving unit configured to receive a payment completion result fed back by the operator transaction system.
  • the present invention further provides an NFC tag based mobile payment system, which includes:
  • the merchant NFC tag having a business name, a merchant ID, a merchant certification logo, a merchant transaction key, and a certificate;
  • a mobile payment terminal for transmitting transaction request information to the transaction system
  • a transaction system is configured to receive the transaction request information, perform transaction processing, and send the transaction processing result to the merchant cash register system and the mobile payment terminal.
  • a merchant cash register system for receiving the transaction processing result.
  • the transaction request information includes a payment amount, a transaction code, a payment party account number, and a payment party account password.
  • the invention has the beneficial effects that: the invention sets the NFC tag with the merchant information at the merchant business point, and then uses the mobile payment terminal to collect the merchant information and the transaction amount on the NFC tag, and sends the transaction request information to the transaction system through the operator.
  • the transaction system completes the transaction, and finally sends a payment information notification to the merchant cash register system, so that the merchant knows that the consumer has paid the fee, and at the same time, feeds the payment result to the mobile payment terminal, and determines that the payment is completed.
  • the payment method is convenient. Fast, improve the merchant's service ability and improve the consumer's shopping experience; on the other hand, it does not require POS investment, which greatly reduces the cost.
  • FIG. 1 is a flowchart of a mobile payment method based on an NFC tag according to the present invention
  • FIG. 2 is a block diagram of a mobile payment terminal in the present invention.
  • FIG. 3 is a structural diagram of a mobile payment system based on an NFC tag in the present invention.
  • merchant NFC tag 10 mobile payment terminal 20; merchant information acquisition unit 201; information transmission unit 202; information reception unit 203; transaction system 30; merchant cash register system 40.
  • the present invention discloses an NFC tag-based mobile payment method, in which a user can use an NFC-enabled mobile phone to quickly pay for a mobile phone payment payment on a NFC tag placed by a merchant, which includes the following steps:
  • the consumer pays the terminal through the mobile phone 20 to brush the merchant NFC tag 10 to obtain the transaction amount, the consumer confirms the transaction amount; the merchant NFC tag 10 has the merchant identity information;
  • the mobile payment terminal 20 sends the transaction request information to the operator transaction system;
  • the mobile payment terminal 20 After S12K determines the transaction amount, the mobile payment terminal 20 requests the consumer to swipe the merchant NFC tag 10 to confirm the transaction;
  • the mobile payment terminal 20 swipes the merchant NFC tag 10, and the transaction confirmation is completed.
  • the transaction system performs transaction processing according to the request information
  • the transaction system After processing the transaction request, the transaction system, after determining the merchant according to the merchant information, sends a payment information notification to the merchant cash register system 40, so that the merchant knows that the consumer has paid the fee.
  • the transaction system feeds back the payment completion result to the mobile payment terminal 20.
  • the merchant information in the merchant NFC tag 10 includes a merchant name, a merchant ID, a merchant certification logo, a merchant transaction key, and a certificate.
  • the method uses the mobile phone NFC function to identify the merchant information in the merchant NFC tag 10, and then sends the transaction request information such as the merchant information and the transaction amount to the transaction system 30 through the mobile payment terminal 20, and completes the transaction through the transaction system 30, which is for the merchant.
  • the transaction request information such as the merchant information and the transaction amount
  • the transaction system 30 through the mobile payment terminal 20, and completes the transaction through the transaction system 30, which is for the merchant.
  • the present invention further provides a mobile payment terminal 20, which includes:
  • a merchant information obtaining unit 201 configured to acquire merchant information and transaction information by brushing the merchant NFC tag 10
  • an information sending unit 202 configured to send the transaction request information by the transaction system 30;
  • An information receiving unit 203 is configured to receive a payment completion result fed back by the operator transaction system.
  • the mobile payment terminal 20 uses the mobile phone NFC function to realize data transmission and transmission, and saves a large amount of cost compared with the traditional POS machine, and is convenient to carry and use.
  • the present invention further provides an NFC tag-based mobile payment system, which includes: a merchant NFC tag 10, wherein the merchant NFC tag 10 refers to a key to writing a NFC tag to a merchant using security technology.
  • the information including the merchant name, the merchant ID, the merchant certification logo, the merchant transaction key and the certificate, is a merchant NFC tag 10 with merchant identity information, which can be placed at the merchant cashier, the merchant's guest can access the table, the wall, etc. , so that consumers can pay merchants NFC tag 10 at any time.
  • a mobile payment terminal 20 is configured to send transaction request information to the transaction system 30, that is, to transmit transaction request information through the NFC function of the mobile phone, and transfer the funds through the network of the transaction system 30 in real time.
  • a transaction system 30 configured to receive the transaction request information, perform transaction processing, and send the transaction processing result To the merchant cash register system 40 and the mobile payment terminal 20; the operator establishes a transaction bridge for the consumer and the merchant, and provides the merchant with the functions of transaction inquiry, clear settlement and the like, and uses the digital certificate to ensure the integrity and confidentiality of the transaction. Traceability.
  • a merchant cash register system 40 is configured to receive the transaction processing result, and the merchant cash register system 40 refers to the merchant for confirming that the consumer transaction is completed, and the payment has been confirmed.
  • the transaction request information includes a payment amount, a transaction code, a payment party account number, and a payment party account password.
  • the system uses the mobile payment terminal 20 to collect the merchant information and transaction amount on the NFC tag, sends the transaction request information to the transaction system 30, completes the transaction through the operator transaction system, and finally sends a payment information notification to the merchant cash register system 40 to enable the merchant to Knowing that the consumer has paid the fee, and at the same time, the payment result is fed back to the mobile payment terminal 20, and the payment is completed.
  • the payment method is convenient and quick, the merchant service capability is improved, and the consumer shopping experience is improved;
  • there is no need to invest in POS which greatly reduces the cost.
  • merchants can place NFC tags on the wall, at the desk, and at the checkout counter for consumer self-consumption settlement, saving money and convenience.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention concerne un terminal de paiement dans un téléphone portable à base d'étiquette NFC, un procédé et un système de paiement. Le procédé comprend les étapes suivantes : un consommateur fait glisser une étiquette NFC d'un marchand sur le terminal de paiement du téléphone portable pour obtenir un montant de transaction et des informations sur le marchand, et saisit le montant de la transaction ; l'étiquette NFC du marchand comporte des informations sur l'identité du marchand ; le terminal de paiement du téléphone portable envoie des informations de requête de transaction à un système de transaction d'opérateur ; le système de transaction traite la transaction en fonction des informations de requête ; et, après le traitement de la requête d'informations, le système de transaction détermine le marchand en fonction des informations sur le marchand et envoie ensuite une notification d'informations de paiement à un système d'encaissement du marchand pour permettre au marchand d'être informé du paiement par le consommateur. Le procédé est pratique et rapide, améliore la capacité de service du marchand et l'expérience du consommateur dans ses achats, et permet de réaliser des économies.
PCT/CN2013/075142 2013-01-04 2013-05-03 Terminal de paiement dans un téléphone portable à base d'étiquette nfc, procédé de paiement et système de paiement WO2014106366A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201210426430.0A CN103914770A (zh) 2013-01-04 2013-01-04 一种基于nfc标签的手机支付终端、支付方法及系统
CN201210426430.0 2013-01-04

Publications (1)

Publication Number Publication Date
WO2014106366A1 true WO2014106366A1 (fr) 2014-07-10

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PCT/CN2013/075142 WO2014106366A1 (fr) 2013-01-04 2013-05-03 Terminal de paiement dans un téléphone portable à base d'étiquette nfc, procédé de paiement et système de paiement

Country Status (2)

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CN (1) CN103914770A (fr)
WO (1) WO2014106366A1 (fr)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104751385A (zh) * 2015-03-20 2015-07-01 陈布东 一种智能桌面系统
CN106156108A (zh) * 2015-04-05 2016-11-23 腾讯科技（深圳）有限公司 一种虚拟资源的转移方法、装置和系统
CN106570689A (zh) * 2015-10-10 2017-04-19 阿里巴巴集团控股有限公司 一种权限验证方法和设备
WO2017084013A1 (fr) * 2015-11-16 2017-05-26 华为技术有限公司 Procédé d'authentification de transaction, dispositif, terminal mobile, terminal de pos et serveur
EP3444765A4 (fr) * 2016-04-29 2019-04-24 Huawei Technologies Co., Ltd. Procédé et dispositif de transaction basés sur la communication en champ proche (nfc)
CN106096950A (zh) * 2016-06-13 2016-11-09 珠海市微半导体有限公司 一种基于nfc电子标签的支付系统及方法
CN106709710A (zh) * 2016-11-18 2017-05-24 广东乐源数字技术有限公司 一种虚拟货币兑换消费系统
CN108701303A (zh) 2017-06-30 2018-10-23 华为技术有限公司 Nfc支付方法及终端
CN108055293A (zh) 2017-11-10 2018-05-18 阿里巴巴集团控股有限公司 应用程序中业务快速启动方法及装置和电子设备
CN110298652B (zh) 2018-03-22 2023-09-29 中国银联股份有限公司 基于nfc标签的数据处理方法及其系统、服务器
CN109359968A (zh) * 2018-09-28 2019-02-19 中国工商银行股份有限公司 一种支付方法、装置、电子设备及支付标签
CN111582847A (zh) * 2020-04-30 2020-08-25 福州吉诺网络科技有限公司 一种支付方法及系统

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CN101567108A (zh) * 2008-04-24 2009-10-28 北京爱奥时代信息科技有限公司 Nfc手机-pos机支付方法及系统
CN202306641U (zh) * 2012-01-13 2012-07-04 广州华迅网络科技有限公司 一种电子商务购物终端
CN102663630A (zh) * 2012-05-09 2012-09-12 北京普罗信科技有限公司 一种采用nfc标签的零售促销系统和方法
CN102810190A (zh) * 2011-05-31 2012-12-05 中兴通讯股份有限公司 远程支付方法、装置及系统
CN102855560A (zh) * 2011-06-29 2013-01-02 国民技术股份有限公司 一种移动支付方法及系统

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CN102810190A (zh) * 2011-05-31 2012-12-05 中兴通讯股份有限公司 远程支付方法、装置及系统
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CN202306641U (zh) * 2012-01-13 2012-07-04 广州华迅网络科技有限公司 一种电子商务购物终端
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