WO2015051635A1 - 支持信息无障碍的手机银行支付交互关联系统 - Google Patents

支持信息无障碍的手机银行支付交互关联系统 Download PDF

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Publication number
WO2015051635A1
WO2015051635A1 PCT/CN2014/076729 CN2014076729W WO2015051635A1 WO 2015051635 A1 WO2015051635 A1 WO 2015051635A1 CN 2014076729 W CN2014076729 W CN 2014076729W WO 2015051635 A1 WO2015051635 A1 WO 2015051635A1
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WO
WIPO (PCT)
Prior art keywords
electronic
payment
data
associated data
media
Prior art date
Application number
PCT/CN2014/076729
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English (en)
French (fr)
Inventor
丘炎卫
Original Assignee
丘炎卫
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 丘炎卫 filed Critical 丘炎卫
Priority to CN201480052180.6A priority Critical patent/CN106416308A/zh
Priority to EP14851930.9A priority patent/EP3062275A4/en
Priority to US15/028,398 priority patent/US20160283932A1/en
Publication of WO2015051635A1 publication Critical patent/WO2015051635A1/zh
Priority to HK16106073.9A priority patent/HK1223442A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W76/00—Connection management
    • H04W76/10—Connection setup
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W84/00—Network topologies
    • H04W84/02—Hierarchically pre-organised networks, e.g. paging networks, cellular networks, WLAN [Wireless Local Area Network] or WLL [Wireless Local Loop]
    • H04W84/10—Small scale networks; Flat hierarchical networks
    • H04W84/12—WLAN [Wireless Local Area Networks]

Definitions

  • the invention relates to an information association technology of a cross-media product, in particular to a mobile banking payment interactive association system for supporting information without obstacles, and realizes electronic payment for information barrier-free.
  • the mobile Internet is not the mobilization of the Internet. It refers to the general term for the technologies, platforms, business models and applications of the Internet combined with mobile communication technologies.
  • Wi-Fi is a technology that wirelessly connects terminals such as personal computers and handheld devices (such as PDAs and mobile phones).
  • WIFI is a wireless networking technology. It used to connect computers through network cables. Now it is connected by radio waves. The effective range of radio coverage can be connected by WIFI connection.
  • the secondary positioning of WIFI technology, supplemented by cellular mobile communication, high-speed data transmission for special occasions must rely on WIFI, such as the internal wireless local area network proposed by Boeing, and the wireless LAN inside the high-speed train.
  • the related technology is a necessary condition that cannot be crossed.
  • the related technology and communication technology are the technical uses of two different concepts.
  • the market related technology takes the two-dimensional code pattern technology scheme as the mainstream.
  • the two-dimensional code pattern technology scheme has formed a mature product and industrial chain, there are many conditions for the use of technology in the actual operation... screen image of the video product
  • the webpage is embedded with a two-dimensional code pattern.
  • the time for displaying the two-dimensional code pattern on the electronic screen is very short, and the user operation is not easy.
  • the two-dimensional code pattern scheme is not able to solve the problem of broadcasting (audio information technology) with media information signals.
  • the present invention provides a mobile banking payment interaction association system that supports information accessibility, and the system includes a communication terminal product supporting the interaction association system technology, a guiding media product supporting the interaction association system, and an electronic payment system, wherein ;
  • the interaction association system is composed of a media information signal, an electronic reading device and an electronic transceiver device, wherein the media information signal is a combination of media information data and associated data.
  • the associated data includes electronic address data and a guide associated data combination instruction.
  • the electronic reading device is provided with a combined data receiving circuit, a combined data decomposition circuit and a transmitting circuit, and the combined data receiving circuit receives the media information signal, and the combined media data signal is decomposed into the media information data and the associated data by the combined data decomposition circuit, and the decomposed The associated data is transmitted to the electronic transceiver through the transmitting circuit.
  • the electronic transceiver device is provided with an associated data receiving circuit, an associated data transmitting circuit, and a central processing unit including a memory.
  • the associated data receiving circuit is provided with a short-distance signal transceiving circuit supported by a WIFI device, and the electronic payment system provides electronic payment services of different banks, and supports electronic payment operations of the payer and the payee.
  • the payer and the payee have to sign a mutual support electronic payment agreement with the electronic payment system, and the payment terminal and the communication terminal product used by the payee can set a plurality of account-oriented directories, and different account-oriented directory settings and Different bank associations.
  • the payment party obtains related information content that needs payment from the guiding media product supporting the interaction association system through the communication terminal product,
  • the paying party selects a suitable prompt to send a payment instruction to the electronic payment system to process the payment request according to the prompt of the relevant information content.
  • the electronic payment system After the electronic payment system receives the payment instruction of the payer, the electronic payment system returns the transaction password set by the payer to the communication terminal product of the payer.
  • the payer After receiving the transaction password returned by the electronic payment system, the payer continues to complete the operation procedures related to the electronic payment system of the electronic payment system, and confirms the procedure.
  • the electronic payment system completes the relevant payment settlement procedure according to the request content of the payer, and sends the transaction result to the payment terminal's communication terminal product and the payee.
  • a central processing unit of the memory embedded with an independently operated guided media product,
  • the guiding media product is provided with a guiding associated data combination program to support the storage and replacement of the code data and the WIFI device password data.
  • the guidance associated data combination instruction activates the guidance associated data combination program, and processes the associated data into the associated data, and transmits the data through the short-range signal transmitting and receiving circuit provided by the transmitting circuit.
  • the communication terminal product receives the guidance associated data processing into WIFI associated data, and transmits the WIFI device through the short-distance signal transmitting and receiving circuit set by the transmitting circuit.
  • the electronic reading device is provided with a combined data receiving circuit, a combined data decomposition circuit, a transmitting circuit and a CPU module, and embedded in a communication terminal product supporting the interactive association system.
  • the invention provides a bank mobile payment interaction association system for supporting information accessibility, which solves the interconnection of cross-media information products and realizes the goal of information accessibility;
  • the invention can effectively solve the technical problem of information congestion in the development of mobile information through a plurality of ways (all-media products), and the media products utilize the existing product resources of the market (including flat media products, multimedia electronic products, video). Electronic products and audio electronics, etc.).
  • FIG. 1A is a schematic diagram of a work of acquiring a single associated data by a communication terminal product
  • FIG. 1B is a schematic diagram of a principle for acquiring a single associated data of a communication terminal product
  • FIG. 1C is a schematic diagram of a work of acquiring a plurality of associated data by a communication terminal product
  • Figure ID is a schematic diagram of the principle of acquiring multiple associated data by a communication terminal product.
  • 2A is a schematic diagram of an information signal principle supporting an interactive association system
  • 2B is a schematic diagram of a technical application of an interaction correlation system
  • FIG. 3A is a schematic diagram of technical operation of an interactive association system
  • FIG. 3B is a schematic diagram of the technical operation of the inter-connected system and the wifi seamless connection.
  • FIG. 4A is a schematic diagram of an application of an interactive association system and a guiding media product
  • Figure 4B is a schematic diagram showing the effect of a public transportation facility that provides visual orientation to the visually impaired person.
  • FIG. 5A is a schematic diagram showing the effect of the gapless connection between the interactive association system and the WIFI.
  • FIG. 5B is a schematic diagram of a technical operation of an inter-connected system and a WIFI seamless connection.
  • the present invention provides a mobile banking payment interaction association system that supports information accessibility, and the system includes a communication terminal product 38 that supports the interactive association system technology. a guiding medium product 81 and an electronic payment system 83 supporting an interactive association system, characterized in that;
  • the interactive association system consists of a media information signal 01, an electronic reading device 02, and an electronic transceiver
  • the media information signal 01 is a combination of media information data and associated data 12,
  • the associated data includes electronic address data and a guide associated data combination instruction.
  • the electronic reading device is provided with a combined data receiving circuit 21, a combined data decomposition circuit 22 and a transmitting circuit 24, and the combined data receiving circuit receives the media information signal, and the combined information decomposition circuit 22 decomposes the media information signal into media information data and associated data. 12, the decomposed associated data is transmitted to the electronic transceiver through the transmitting circuit 24,
  • the electronic transceiver device is provided with an associated data receiving circuit 31, an associated data transmitting circuit 32, and a central processing unit including a memory.
  • the associated data receiving circuit 31 is provided with a short-distance signal transmitting and receiving circuit supported by the WIFI device 91.
  • the electronic payment system provides electronic payment services of different banks, and supports electronic payment operations of the payer and the payee.
  • the icon contains one piece of information content, and the information content only needs to have one associated data (that is, one electronic address data).
  • the associated data contains a directed associated data combination instruction, and the associated data is repeated and cyclically transmitted within the reading time of the media information data.
  • the electronic address data is electronic address data supporting connection to the Internet, or communication data supporting the connection to the telecommunication network.
  • the associated data is an associated data group 12X of more than one associated data combination, and different associated data sets different electronic address data.
  • the associated data sets the read electronic code 14, the different read electronic codes correspond to different associated data, and the different associated data respectively set different electronic address data.
  • the associated address data is associated mixed data 12M of content data such as text, image, audio, and video, and the associated mixed data 12M is decomposed into associated data by the associated mixed data decomposition circuit.
  • the illustration contains six pieces of information content, the six pieces of information content corresponding to six pieces of associated data (ie, six pieces of electronic address data), different electronic address data associated with different electronic files...
  • the electronic address data T01 corresponds to the information content 01.
  • the electronic address data T05 corresponds to the information content 05
  • the electronic address data TX corresponds to the information content X...
  • the different associated data is set to be repeated multiple times and cyclically during the reading time of the six different media information contents.
  • the payer and the payee have to sign a mutual support electronic payment agreement with the electronic payment system, and the payment terminal and the communication terminal product used by the payee can set a plurality of account-oriented directories, and different account-oriented directory settings and Different bank associations.
  • the payer obtains from the guiding media product supporting the interactive association system through the communication terminal product Relevant information content that requires payment,
  • the paying party selects a suitable prompt to send a payment instruction to the electronic payment system to process the payment request according to the prompt of the relevant information content.
  • the electronic payment system After the electronic payment system receives the payment instruction of the payer, the electronic payment system returns the transaction password set by the payer to the communication terminal product of the payer.
  • the transaction password set by the invention is equivalent to two-way authentication, which greatly improves the safety factor of electronic payment and promotes the development of electronic commerce.
  • the payer After receiving the transaction password returned by the electronic payment system, the payer continues to complete the operation procedures related to the electronic payment system of the electronic payment system, and confirms the procedure.
  • the electronic payment system completes the relevant payment settlement procedure according to the request content of the payer, and sends the transaction result to the payment terminal's communication terminal product and the payee.
  • the multimedia electronic product 71 plays the multimedia program, and is used for the user to log in to the website (or service center) of the related information content through the communication terminal product (smartphone), to perform a more detailed data search, or to learn about the related content through the telephone.
  • the program prompts the relevant web address, or phone number... because the data prompt is instantaneous;
  • QR code technology the multimedia electronic product plays the video program, the video program introduces a variety of different information content, and the window screen is embedded with the QR code.
  • Pattern Plant Information Technology
  • the electronic transceiver device is provided with an associated data receiving circuit, an associated data transmitting circuit and a module of a central processing unit including a memory, and is embedded in a guiding medium product with independent operation.
  • the guiding medium product is a flat media product, and the flat media product is provided with a guiding associated data combination program, the guiding associated data combination program can support placing the pair code data and the WIFI device password data, and supporting the pair code data and the WIFI device password data. Change,
  • the outer surface of the planar media product may be accompanied by a flat information content and an identification mark 44.
  • the electronic transceiver device is provided with an associated data receiving circuit, an associated data transmitting circuit and a module of a central processing unit including a memory, and is embedded in a guiding medium product with independent operation.
  • the guiding medium product is a multimedia electronic product, and the multimedia electronic product is provided with a guiding associated data combination program, which can support placing the code data and the WIFI device password data, and supporting the pair code data and the WIFI device password data. Change,
  • the multimedia electronic product can play multimedia information content.
  • the electronic transceiver device is provided with an associated data receiving circuit, an associated data transmitting circuit and a module of a central processing unit including a memory, and is embedded in a guiding medium product with independent operation.
  • the guiding medium product is a video electronic product, and the video electronic product is provided with a guiding associated data combination program, the guiding associated data combination program can support placing the pair code data and the WIFI device password data, and supporting the pair code data and the WIFI device password data. Change,
  • the video electronic product can play video information content.
  • the associated data receiving circuit, the associated data transmitting circuit and the storage provided by the electronic transceiver a central processing unit of the memory, embedded with an independently operated guided media product,
  • the guiding medium product is an audio electronic product
  • the audio electronic product is provided with a guiding associated data combination program
  • the guiding associated data combination program can support placing the code data and the WIFI device password data, and supporting the pair code data and the WIFI device password data.
  • the audio electronic product can play audio information content.
  • E-banking and e-payment are the trends of social development. From traditional bank payment to diversified payment (including: counter terminal, electronic payment on computer network), adding smart phones to complete mobile electronic payment, there is no doubt that electronic can be greatly improved.
  • the efficiency of the payment system can be derived from other profitable business models, and the prospects are incalculable.
  • the series of interactive association system technologies of the present invention support information barrier-free interconnection, and obtain relevant information from different media products at any time, anywhere, and through a smart phone, and the media products include print media advertisements, multimedia media advertisements, video media advertisements, and audio media advertisements.
  • Etc. involving a wide range of applications, such as public service agencies, public entertainment venues, food service stores and stores, can be applied to integrate marketing techniques and product resources to meet the e-commerce "technology + platform + model" closed loop Develop demand and promote the development of global e-commerce.
  • the user uses the smart phone (equivalent to the communication terminal product of this article) to receive the associated data from the guided media products supporting the interactive association system and then send the same data to achieve a peer-to-peer effect.
  • the invention obtains the associated data and is basically divided into two operation methods.
  • the first method Smartphone (within the effective range), press the associated operation button 39 (initiate the interactive association system), and then press the associated operation button 39.
  • the electronic transceiver embedded in the smartphone can obtain the selected from the electronic reading device.
  • Linked data ie, electronic address data
  • the second method Smartphone (within the valid range) Feel free to press the associated operation button 39 (Start interaction Associated system), according to the number of information embedded (plane identification mark), enter the corresponding number
  • the electronic transceiver embedded in the smartphone can obtain the selected associated data (ie, the electronic address data) from the electronic reading device...
  • the electronic transceiver can obtain the selected associated data storage from the electronic reading device.
  • the electronic files associated with the settings can be quickly called up.
  • the associated data can be sent to the data storage center through the sending circuit, and the associated electronic files can be quickly transferred out to the smartphone for viewing (or listening). .
  • the electronic payment system is connected to the WIFI device 91.
  • the electronic transceiver device is provided with an associated data receiving circuit, an associated data transmitting circuit and a module of a central processing unit including a memory, and is embedded in a guiding medium product with independent operation.
  • the guiding media product is provided with a guiding associated data combination program to support the storage and replacement of the code data and the WIFI device password data.
  • the guidance associated data combination instruction activates the guidance associated data combination program, and processes the associated data as the leading associated data 12A, and transmits the short distance signal transmitting and receiving circuit provided by the transmitting circuit.
  • the communication terminal product receives the guidance associated data processing into the WIFI associated data 12B, and transmits the WIFI device through the short-distance signal transmitting and receiving circuit set by the transmitting circuit.
  • the electronic reading device is provided with a combined data receiving circuit, a combined data decomposition circuit, a transmitting circuit and a CPU module, and embedded in a communication terminal product supporting the interactive association system.
  • the combined data decomposition circuit of the electronic reading device decomposes the media information signal into media information data, and the media information data includes digital data 08, video data 10, audio data 11 and program data 15, and the like.
  • the digital data decomposed by the media information data is transmitted to a digital data system for processing, and then transmitted to the relevant configuration for use.
  • the video data after the media information data is decomposed is transmitted to the video system for processing, and then transmitted to the relevant configuration for use.
  • the audio data after the media information data is decomposed is sent to the audio system for processing, and then transferred to the relevant configuration for use.
  • the program data after the media information data is decomposed is transferred to the program system for processing, and then transferred to the relevant configuration for use.
  • the WIFI device 91 is connected to a dedicated data service center. After receiving the WIFI associated data, the WIFI device connects to a dedicated data service center via the Internet, and quickly calls up the electronic file associated with the information associated with the data.
  • the retrieved electronic files are accessed through products on the visual electronic screen, including electronic terminal products, computers and communication terminal products that support interactive technology.
  • the communication terminal product receives the associated data sent by the guided media product.
  • the associated data is electronic address data
  • Operation 12-02 after receiving the associated data by the communication terminal product, the communication terminal product is sent instantaneously.
  • the associated data includes group operation 12- 03 such as electronic address data and communication terminal product user identification data, and the network service platform is based on the association.
  • the data makes related services...
  • the associated data is the electronic address data of the Internet, the associated electronic file is called, and the communication terminal product that returns the relevant user identification data...
  • the associated data is the electronic address data of the telecommunication network, and the communication terminal product that connects the associated telephone and related user identification data...
  • connection transfer is completed, so that the communication terminal product and the network service platform directly perform deeper two-way interaction operation.
  • the large network service platforms referred to include the Internet, telecommunications networks and broadcasting networks.
  • the communication terminal product receives the guidance associated data 12A sent by the guiding media product.
  • the guiding associated data includes a combination of the default pair code data of the WIFI device, the password data of the WIFI device, and the associated data of the information content.
  • the WIFI associated data includes WIFI device password data, information content associated data, and communication terminal product user identification data.
  • the combination is sent to the WIFI setting 91 through the short-distance signal transceiving circuit of the communication terminal product...
  • WIFI setting 91 After receiving the WIFI related data sent by the communication terminal product, it will be forwarded to the Internet in an instant...
  • Operation 12-04 the Internet calls the associated electronic file based on the WIFI associated data, and sends it back to the WIFI setting 91...
  • WIFI Setting 91 will recall the associated electronic file and send it to the relevant communication terminal product based on the user identification data.
  • connection transfer is completed, so that the communication terminal product and the Internet directly perform deeper two-way interaction.
  • Blind people are the most vulnerable group of disabled people. To enable blind people to participate in social life on an equal footing, education must be used to improve the cultural level of the blind. Although we cannot give blind people a look at the eyes of the outside world, we can use our love to let The blind man feels the light of life in his heart.
  • the special contribution of the present invention is to enable the visually impaired person to seamlessly connect with the WIFI through the communication terminal product, and can obtain the related prompt voice information service (including clothing, food, letter, and line) at any time, anywhere, and effectively solve the global information.
  • the related prompt voice information service including clothing, food, letter, and line
  • Example 02 The combination of the interactive association system technology of the present invention and the WIFI device can fully utilize existing social resources (such as public stations, public bus shelter billboards and public transportation signs);
  • the front side of the guiding medium product is provided with a concave and convex mark and a reflective mark.
  • the left side of the figure is a deep pit (999), and the right side is an exit ladder (123).
  • the back is...
  • the visually impaired person recovers the reflective light source of the reflective mark of the guiding medium product through the photosensitive device of the communication terminal product. , activate the interactive association system operation of the communication terminal product...
  • the purpose is to enable visually impaired people to have a clear orientation, combined with the electronic information content (voice prompts) provided by the interactive association system...
  • the front side of the guiding medium product is provided with a blind traffic sign 48 for the visually impaired person.
  • the visually impaired person can obtain (listen to) more information about the product (including product details, prices, etc.) through the electronic file set by the associated data.
  • a media information signal based on importance (or value) is encrypted and synthesized.
  • the decryption program of the interactive association system can be decomposed to achieve protection.
  • the media information data and the associated data adopt a cryptographic synthesis method.
  • the media information signal is transmitted through a signal transmitting station and a signal transmitting relay device.
  • the associated data received by the electronic transceiver is from a plurality of transmission channels and is received by an electronic storage device that supports a media information signal supporting the interlinking system, and the electronic storage device includes an electronic data storage device and an optical disk.
  • the present invention is compared with the operation of acquiring the associated data by the two-dimensional code pattern
  • the smartphone needs to be embedded in the interactive association system to support the same as the QR code pattern.
  • the distance for obtaining the associated data can be set as needed within a few tens of meters, and it is very stable, and the technical scheme of the two-dimensional code pattern is about 1 meter under normal conditions.
  • the present invention is compared with the market related technical solutions and product solutions, and the development of the present invention will affect all links of the business chain and creation, regardless of the operation, production cost, and propagation effect.

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Abstract

本发明涉及跨媒体产品的信息关联技术，特别是涉及一种支持信息无障碍的手机银行支付交互关联系统，系统包括支持交互关联系统技术的通信终端产品、支持交互关联系统的导向媒介产品及电子支付系统，其特征在于：所述交互关联系统由媒体信息信号、电子读数装置及电子收发装置构成，所述媒体信息信号是媒体信息数据与关联数据的组合，所述关联数据含有电子地址数据及导向关联数据组合指令，所述关联数据接收电路设有WIFI装置支持的短距离信号收发电路，所述电子支付系统提供不同银行的电子支付服务，支持付款方与受款方的电子支付操作。

Description

支持信息无障碍的手机银行支付交互关联系统
【技术领域】
本发明涉及跨媒体产品的信息关联技术， 特别是涉及一种支持信息无障 碍的手机银行支付交互关联系统， 实现信息无障碍的电子支付。
【背景技术】
随着电子与通信技术的快速发展， 利用智能手机进行电子支付将是社会 发展的必然趋向。 银行网络服务系统的推广， 消费者在安装银行终端的商场 进行购物结算， 提供了极大的方便， 消费者不必携带大量现金。 然而， 由于 银行终端只能普及到较大的商场、 饭店等公共消费场所， 而不能普及到所有 公共消费场所， 因此当消费者在这些公共消费场所消费后， 进行结算仍然比 较麻烦。
但是， 虽然市场已有各种不同类型的智能手机支付模式， 由于仍存在很 多技术性的问题， 特别是移动电子支付服务发展并不理想。
随着宽带无线接入技术和移动终端技术的飞速发展， 人们迫切希望能够 随时、 随地在移动过程中， 能够方便地随意从互联网获取信息和服务。
但是移动互联网并不是互联网的移动化， 是指互联网的技术、 平台、 商 业模式和应用与移动通信技术结合并实践的活动的总称。
未来移动端将更加网络化、 社交化， 因为智能手机和其他智能终端离人 最近， 它可以被看作是人的一个组成部分， 使得人们真正进入了人机交互的 信息化时代。
实际情况如何？ 电子媒体发展仍存严重的缺陷和不足， 由于缺乏解决跨 媒体信息互联的相关技术支持， 所谓的全媒体， 只是把平面媒体信息内容制 成电子版， 同时提供给用户选择而已。
虽然传统媒体广告产品的传播能力明显落后于电子媒体， 但绝不像某些 人推崇的那样是 "终极的传媒形式， 可以取代传统平面纸媒、 传统广播、 传 统电视及传统互联网等任何一种媒体"。
Wi-Fi是一种可以将个人电脑、 手持设备 （如 PDA、 手机） 等终端以无线 方式互相连接的技术。 WIFI就是一种无线联网的技术， 以前通过网线连接电 脑， 而现在则是通过无线电波来连网， 电波覆盖的有效范围都可以采用 WIFI 连接方式进行联网。 WIFI技术的次要定位， 蜂窝移动通信的补充， 一些特殊 场合的高速数据传输必须借助于 WIFI , 如波音公司提出的飞机内部无线局域 网、 高速列车内部的无线局域网等。
但是， 智能手机需要登录跨媒体产品信息的相关电子互联网， 外延获取 更丰富的相关资料， 关联技术是不可跨越的必需条件， 关联技术与传播技术 是二种不同概念的技术用途。
目前市场关联技术以二维码图案技术方案为主流， 虽然二维码图案技术 方案已形成了成熟的产品和产业链， 但实际操作中存在很多技术使用的条件 限制……在视频产品的屏幕画面、 网页植入二维码图案……实际操作时， 电 子屏幕显示二维码图案的时间非常短暂， 用户操作并不容易。
另外， 二维码图案方案对于解决与媒体信息信号的播音 （音频信息技术) 关联， 更是力不从心……
更加简便、 快捷及高效果的互联技术， 实现随时、 随地、 随意的需求， 因此， 解决与 WIFI 装置无隙连接 （信息无障碍）， 才可更有效地促进移动电 子支付发展， 需要四大要点支持；
1、 智能手机的通用性。
2、 使用不受网络的限制。
3、 同机可使用多间银行的支付。
4、 服务及国际保安标准。
【发明内容】
为实现上述目的， 本发明提供一种支持信息无障碍的手机银行支付交互 关联系统， 系统包括支持交互关联系统技术的通信终端产品、 支持交互关联 系统的导向媒介产品及电子支付系统， 其特征在于； 所述交互关联系统由媒体信息信号、 电子读数装置及电子收发装置构成， 所述媒体信息信号是媒体信息数据与关联数据的组合，
所述关联数据含有电子地址数据及导向关联数据组合指令，
所述电子读数装置设有组合数据接收电路、 组合数据分解电路及发送电 路， 组合数据接收电路接收媒体信息信号， 通过组合数据分解电路把媒体信 息信号分解为媒体信息数据及关联数据， 分解后的关联数据通过发送电路传 送至电子收发装置，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器，
所述关联数据接收电路设有 WIFI装置支持的短距离信号收发电路， 所述电子支付系统提供不同银行的电子支付服务， 支持付款方与受款方 的电子支付操作。
所述付款方与受款方要与电子支付系统签订相互支持的电子支付协议， 所述付款方与受款方使用的通信终端产品可设置多个帐户导向目录， 不 同的帐户导向目录设定与不同的银行关联。
所述付款方通过通信终端产品从支持交互关联系统的导向媒介产品获取 需要付款的相关信息内容，
所述付款方根据相关信息内容的提示， 选择适合的提示发送付款指令到 电子支付系统办理付款请求。
所述电子支付系统收到付款方的付款指令后， 该电子支付系统回传付款 方之前所设定交易密码到付款方的通信终端产品。
所述付款方收到电子支付系统回传的交易密码后， 继续完成电子支付系 统电子支付协议相关的操作程序， 并作确认手续。
所述电子支付系统根据付款方的请求内容， 完成相关款项交收手续后， 并把交易结果发送到付款方的通信终端产品和受款方。 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品设有导向关联数据组合程式支持对码数据及 WIFI装置 密码数据储存及更换，
所述导向关联数据组合指令激活导向关联数据组合程式， 把关联数据处 理为导向关联数据， 通过发送电路设置的短距离信号收发电路传送。
所述通信终端产品接收导向关联数据处理为 WIFI关联数据， 通过发送电 路设置的短距离信号收发电路传送 WIFI装置。
所述电子读数装置设有组合数据接收电路、 组合数据分解电路、 发送电 路及 CPU模块， 嵌入支持交互关联系统的通信终端产品。
本发明提供一种支持信息无障碍的银行手机支付交互关联系统， 解决 跨媒体信息产品的互联， 实现信息无障碍的目标；
1、 通过通信终端产品从不同类别支持交互关联系统导向媒介产品的信息 内容获取对应的导向关联数据， 处理为 WIFI关联数据同歩转发送至 WIFI设 置， 通过 WIFI设置进入互联网获取 WIFI关联数据所关联的电子档案…… 满足随时、 随地、 随意获取信息的技术支持。
2、 交互关联系统的技术结合特点， 原有产品的功能没有改变， 结合后的 功能可以彼此支持， 取得明显的技术效果， 以最简单的点对点关联技术实现 跨媒体产品的信息无障碍互联， 其互联能力明显优于市场现有 QR码及其他的 关联技术解决方案。
本发明可通过多种途径 （全媒体产品） 结合应用， 有效解决移动信息发 展面对信息挤塞的技术问题， 导向媒介产品利用市场现有的产品资源 （包括 平面媒体产品、 多媒体电子产品、 视频电子产品及音频电子产品等）。
【附图说明】
图 1A为通信终端产品获取单一关联数据的工作示意图，
图 1B为通信终端产品获取单个关联数据的原理示意图，
图 1C为通信终端产品获取多个关联数据的工作示意图， 图 ID为通信终端产品获取多个关联数据的原理示意图，
图 2A为支持交互关联系统的信息信号原理示意图，
图 2B为交互关联系统的技术应用示意图，
图 3A为交互关联系统的技术操作示意图，
图 3B为交互关联系统与 wifi无隙连接的技术操作示意图，
图 4A为交互关联系统与导向媒介产品的应用示意图，
图 4B为视障人仕提供方向定位的公共交通设施的效果示意图，
图 5A为交互关联系统与 WIFI无隙连接的效果示意图，
图 5B为交互关联系统与 WIFI无隙连接的技术操作示意图。
【实施方式】
下列实施例是对本发明的进一歩解释和说明， 对本发明不构成任何限制； 本发明提供一种支持信息无障碍的手机银行支付交互关联系统， 系统包 括支持交互关联系统技术的通信终端产品 38、 支持交互关联系统的导向媒介 产品 81及电子支付系统 83， 其特征在于；
所述交互关联系统由媒体信息信号 01、电子读数装置 02及电子收发装置
03构成，
所述媒体信息信号 01是媒体信息数据与关联数据 12的组合，
所述关联数据含有电子地址数据及导向关联数据组合指令，
如图 1A所示，
所述电子读数装置设有组合数据接收电路 21、组合数据分解电路 22及发 送电路 24， 组合数据接收电路接收媒体信息信号， 通过组合数据分解电路 22 把媒体信息信号分解为媒体信息数据及关联数据 12， 分解后的关联数据通过 发送电路 24传送至电子收发装置，
所述电子收发装置设有的关联数据接收电路 31、关联数据发送电路 32及 含储存器的中央处理器，
所述关联数据接收电路 31设有 WIFI装置 91支持的短距离信号收发电路， 所述电子支付系统提供不同银行的电子支付服务， 支持付款方与受款方 的电子支付操作。
如图 1B所示，
图示含有 1个信息内容， 该信息内容只需设有 1个关联数据 （即是 1个 电子地址数据），
所述关联数据含有导向关联数据组合指令， 关联数据在媒体信息数据的 读数时间内重复及循环发送。
所述电子地址数据是支持连接互联网的电子地址数据， 也可是支持连接 电信网的通信数据。
如图 1C所示，
所述关联数据是多于一个关联数据组合的关联数据群 12X,不同的关联数 据分别设定不同的电子地址数据。
所述关联数据设定读取电子代号 14， 不同读取电子代号对应不同的关联 数据， 不同的关联数据分别设定不同的电子地址数据。
所述关联地址数据是可混合文字、 图像、 音频及视频等内容数据的关联 混合数据 12M,关联混合数据 12M通过关联混合数据分解电路分解为关联数据。
如图 1D所示，
图示含有 6个信息内容， 该 6个信息内容对应 6个关联数据 （即是 6个 电子地址数据）， 不同的电子地址数据关联不同的电子档案……电子地址数据 T01对应着信息内容 01 ··· ···电子地址数据 T05对应着信息内容 05 ······电子地 址数据 TX对应着信息内容 X……
所述不同的关联数据在 6个不同媒体信息内容的读数时间内， 设置多次 重复及循环发送。
所述付款方与受款方要与电子支付系统签订相互支持的电子支付协议， 所述付款方与受款方使用的通信终端产品可设置多个帐户导向目录， 不 同的帐户导向目录设定与不同的银行关联。
所述付款方通过通信终端产品从支持交互关联系统的导向媒介产品获取 需要付款的相关信息内容，
所述付款方根据相关信息内容的提示， 选择适合的提示发送付款指令到 电子支付系统办理付款请求。
所述电子支付系统收到付款方的付款指令后， 该电子支付系统回传付款 方之前所设定交易密码到付款方的通信终端产品。
为防止假的电子支付系统， 本发明设定的交易密码， 相当是双向认证， 大大提升电子支付的安全系数， 促进电子商务的发展。
所述付款方收到电子支付系统回传的交易密码后， 继续完成电子支付系 统电子支付协议相关的操作程序， 并作确认手续。
所述电子支付系统根据付款方的请求内容， 完成相关款项交收手续后， 并把交易结果发送到付款方的通信终端产品和受款方。
市场现有跨媒体信息的技术方案存在很多不足。
实施例 01
多媒体电子产品 71播放多媒体节目， 为方便用家通过通信终端产品 （智 能手机）登录到相关信息内容的网站（或服务中心），进行更详细的资料搜索， 或通过电话进一歩了解相关内容， 该节目提示相关的网址， 或电话号码…… 由于资料提示是瞬间发生；
1、 绝大部分的用户都是来不及记录。
2、 视障人仕进行相关的操作也是非常困难。
为提升传播效果， 市场经有多种不同技术解决方案， 其一是二维码技术 解决方案， 多媒体电子产品播放视频节目， 该视频节目介绍多种不同的信息 内容， 视窗屏幕植入二维码图案 （平面信息技术）， 方便用家通过通信终端产 品 （智能手机） 登录到相关信息内容的网站 （或服务中心）， 进行更详细的资 料搜索， 操作歩骤；
1、 通过智能手机拍摄二维码图案， 处理转为电子地址数据……
2、 登录到相关电子地址数据的网页……
3、 再进行传统式的网页搜索操作…实际操作是相关繁琐和困难。 本发明技术特点， 原有产品的功能没有改变， 通过彼此的交互结合使用， 其功能可以彼此支持， 取得明显的技术效果， 以最简单的点对点关联技术实 现跨媒体产品的信息无障碍连接。
以下是本发明的相关实施例，
支持平面媒体产品，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品是平面媒体产品， 该平面媒体产品设有导向关联数据 组合程式， 该导向关联数据组合程式可支持放置对码数据及 WIFI装置密码数 据， 及支持对码数据及 WIFI装置密码数据的变更，
所述平面媒体产品外表面可附有平面信息内容及识别标志 44。
支持多媒体产品，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品是多媒体电子产品， 该多媒体电子产品设有导向关联 数据组合程式， 该导向关联数据组合程式可支持放置对码数据及 WIFI装置密 码数据， 及支持对码数据及 WIFI装置密码数据的变更，
所述多媒体电子产品可播放多媒体信息内容。
支持视频媒体产品，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品是视频电子产品， 该视频电子产品设有导向关联数据 组合程式， 该导向关联数据组合程式可支持放置对码数据及 WIFI装置密码数 据， 及支持对码数据及 WIFI装置密码数据的变更，
所述视频电子产品可播放视频信息内容。
支持音频媒体产品，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品是音频电子产品， 该音频电子产品设有导向关联数据 组合程式， 该导向关联数据组合程式可支持放置对码数据及 WIFI装置密码数 据， 及支持对码数据及 WIFI装置密码数据的变更，
所述音频电子产品可播放音频信息内容。
电子银行、 电子付款是社会发展的趋势， 从传统银行支付， 到多元化支 付（包括： 柜元终端机、 电脑网上电子支付）， 增加智能手机完成移动电子支 付， 毫无疑义能够大幅度提升电子支付系统的使用效率， 同时可衍生其它盈 利的商业模式， 前景无可估量。
本发明的交互关联系统系列技术支持信息无障碍互联， 通过智能手机随 时、 随地、 随意获取从不同媒体产品的相关信息， 导向媒介产品包括平面媒 体广告、 多媒体媒体广告、 视频媒体广告及音频媒体广告等， 涉及应用范围 非常广泛， 如公共服务机构、 公众娱乐场所、 饮食服务店及商店等均可应用， 把营销手法与产品资源整合发挥到淋漓尽致， 满足电子商务 "技术 +平台 +模 式" 闭环的发展需求， 促进全球电子商务的发展。
满足电子支付发展所需的四大要点；
1、 智能手机的通用性。
2、 使用不受网络的限制。
3、 同机可使用多间银行的支付。
4、 服务及国际保安标准。
用家通过智能手机 （相等于本文的通信终端产品） 从支持交互关联系统 的导向媒介产品收取关联数据后同歩发送， 达到点对点的效果。
本发明获取关联数据基本分为 2种操作方法，
第 1种方法： 智能手机（有效范围内）， 随意按关联操作键 39 (启动交互 关联系统）， 再重按关联操作键 39， 嵌入智能手机的电子收发装置就可从 电子读数装置获取选择的关联数据 （即是电子地址数据）；
第 2种方法： 智能手机 （有效范围内） 随意按关联操作键 39 (启动交互 关联系统）， 再依据信息内容植入的数字 （平面识别标志） 输入对应数字
(读取电子代号）， 嵌入智能手机的电子收发装置就可从电子读数装置获取选 择的关联数据 （即是电子地址数据） ……
另一种使用方法， 完成以上第 1种方法或是第 2种方法相关歩骤后， 用 户按动确认键后， 电子收发装置可从电子读数装置获得所选择的关联数据储 存。
事后， 可随时把其所设定关联的电子档案快速调出， 该关联数据可通 过发送电路发送到数据储存中心， 把其所设定关联的电子档案快速调出在智 能手机阅览 （或聆听）。
为解决交互关联系统与 wif i装置的无隙连接，
所述电子支付系统连接 WIFI装置 91。
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含储 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品，
所述导向媒介产品设有导向关联数据组合程式支持对码数据及 WIFI装置 密码数据储存及更换，
所述导向关联数据组合指令激活导向关联数据组合程式， 把关联数据处 理为导向关联数据 12A, 通过发送电路设置的短距离信号收发电路传送。
所述通信终端产品接收导向关联数据处理为 WIFI关联数据 12B, 通过发 送电路设置的短距离信号收发电路传送 WIFI装置。
所述电子读数装置设有组合数据接收电路、 组合数据分解电路、 发送电 路及 CPU模块， 嵌入支持交互关联系统的通信终端产品。
如图 2A所示，
所述电子读数装置的组合数据分解电路把媒体信息信号分解为媒体 信息数据， 媒体信息数据包括数字数据 08、 视频数据 10、 音频数据 11及程 式数据 15等，
所述媒体信息数据分解后的数字数据传送至数字数据系统处理后， 传送 到相关配置使用， 所述媒体信息数据分解后的视频数据传送至视频系统处理后， 传送到相 关配置使用，
所述媒体信息数据分解后的音频数据传送至音频系统处理后， 传送到相 关配置使用，
所述媒体信息数据分解后的程式数据传送至程式系统处理后， 传送到相 关配置使用。
WIFI装置 91连接专用的数据服务中心， WIFI装置接收 WIFI关联数据后， 通过互联网连接专用的数据服务中心， 把信息内容关联数据所关联的电子档 案快速调出。
调出的电子档案通过可视电子屏幕的产品浏阅， 包括支持交互关联技术 的电子终端产品、 电脑及通信终端产品等。
交互关联系统的操作途径；
如图 3A所示，
操作 12— 01， 通信终端产品收到导向媒介产品发送的关联数据 12， 理论 上该关联数据是电子地址数据……
操作 12— 02， 通信终端产品收到该关联数据通过程式处理后， 瞬间发出， 理论上该关联数据含有电子地址数据及通信终端产品用户识别数据等组 操作 12— 03， 网络服务平台依据该关联数据作出相关的服务…… 关联数据是互联网的电子地址数据， 调出所关联的电子档案， 回传相关 用户识别数据的通信终端产品……
关联数据是电信网的电子地址数据， 接通所关联的电话与相关用户识别 数据的通信终端产品……
完成连接转移， 使通信终端产品与网络服务平台直接进行更深层的双向 互动操作。
虽然操作 01与操作 03的过程中， 存有操作 02的时差， 由于现代信息数 据传送速度非常快， 理论上使用者应用时是没有任何异常感觉。 所指的大网络服务平台包括互联网、 电信网及广播网等。
交互关联系统与 WIFI无隙连接的操作途径；
如图 3B所示，
操作 12— 01， 通信终端产品收到导向媒介产品发送的导向关联数据 12A, 理论上该导向关联数据含有 WIFI装置默认对码数据、 WIFI装置密码数据、信 息内容关联数据等组合……
操作 12— 02， 通信终端产品收到该导向关联数据通过程式处理后， 产生 另一个 WIFI关联数据 12B,理论上该 WIFI关联数据含有 WIFI装置密码数据、 信息内容关联数据、 通信终端产品用户识别数据等组合， 通过通信终端产品 的短距离信号收发电路发送到 WIFI设置 91处理……
操作 12— 03，WIFI设置 91收到通信终端产品发出的该 WIFI关联数据后， 瞬间转发送到互联网……
操作 12— 04， 互联网依据 WIFI关联数据调出所关联的电子档案， 回传到 WIFI设置 91……
操作 12— 05， WIFI设置 91把调出所关联的电子档案， 依据用户识别数 据发送到相关的通信终端产品。
完成连接转移， 使通信终端产品与互联网直接进行更深层的双向互动操 作。
虽然操作 01与操作 05的过程中， 存有操作 02〜操作 04的时差， 由于现 代信息数据传送速度非常快， 理论上使用者应用时是没有任何异常感觉。
盲人是残疾人中最为弱势的群体， 要使盲人平等地参与社会生活， 就必 须通过教育来提高盲人的文化水平， 虽然我们不能给盲人一双看到外面世界 的眼睛， 但可用我们的爱心， 让盲人内心感受到人生的光明。
本发明的特别贡献是使视障人仕通过通信终端产品与 WIFI无隙连接， 可 随时、 随地、 随意获得相关提示的声音信息服务 （包括衣、 食、 信、 行）， 有 效解决了全球信息无障碍发展的技术盲点。
实施例 02 本发明的交互关联系统技术与 WIFI装置的结合， 可充分利用现有的社会 资源 （如公共车站、 公共候车亭广告板及公共交通指示牌）；
所述导向媒介产品的正面装设凹凸标志及反光标志。
如图 4A所示，
视障人仕通过凹凸标志 （盲文）， 可以获取相关导向媒介产品的资料， 也 通过支持交互关联系统的智能手机获取相关的交通信息和服务。
方向定位对于视障人仕来讲是非常困难的事， 视障人仕站在任何角色 (360度）， 智能手机获取的电子信息介绍环境都是一样……
如图 4B所示，
图中的左方是一个深坑（999)，右方是一条出路的歩梯（123 )，背后是…… 视障人仕通过通信终端产品的感光装置， 回收导向媒介产品反光标志的反射 光源， 激活通信终端产品的交互关联系统操作……
目的是让视障人仕能够有一个明确的方向定位， 结合交互关联系统提供 的电子信息内容 （语音提示） 使用……
所述导向媒介产品的正面装设供视障人仕的盲道交通标志 48。
也可协助视障人仕能够明确的方向定位， 结合交互关联系统提供的电子 信息内容 （语音提示） 使用……
实施例 03
智能手机是普遍视障人仕使用的智能终端产品， 如果在多媒体节目可增 设专门为视障人仕需求的广播节目， 该广播节目的音频内容是介绍多种不同 适合视障人仕需求的产品， 当视障人仕在聆听播音过程中需要 （或兴 趣）， 视障人仕通过支持智能手机与 WIFI 无隙连接的交互关联系统启动关联 操作键 （即是本发明技术的第 1种方法） ……
视障人仕可通过该关联数据所设定的电子档案， 获取 （聆听） 产品更 多的相关资料内容 （包括产品详细介绍、 价格等） ……
或者进行进一歩的认购手续 （包括选购、 支付等） ……
基于重要性 （或是具价值） 的媒体信息信号采用加密合成方法， 通过支 持交互关联系统的解密程式才可分解， 达到保护作用。
所述媒体信息数据与关联数据采用加密合成方法。
如图 2B所示，
所述媒体信息信号通过信号发射台及信号发射中转装置发送。
所述电子收发装置收取的关联数据来自多种传送途径， 通过连接支持交 互关联系统的媒体信息信号电子储存装置收取， 所述电子储存装置包括电子 数据储存器及光盘等。
本发明与二维码图案获取关联数据的操作相比；
1、 智能手机需要嵌入交互关联系统支持与二维码图案相同。
2、 获取关联数据远比二维码图案摄像的灵敏及准确。
3、 获取关联数据不需要受光线条件影响。
4、 获取关联数据的距离可在数十米范围内按需设定， 而且非常稳定， 而 二维码图案技术方案在正常条件下， 可操作范围大约在 1米左右。
5、 采用数字代替二维码图案， 可把影响广告板的外观美感减低。
参阅上述相关实施例的效果， 本发明与市场相关技术解决方案及产品 方案对比， 无论使用操作、 制作成本及传播效果都明显优越其他， 本发明 的发展将会影响商业链条的所有环节， 及创造出全新形态的商业模式和价值 链。
尽管通过以上实施例对本发明进行了揭示， 但是本发明的范围并不局限 于此， 在不偏离本发明构思的条件下， 以上各构件可用所属技术领域人员了

Claims

权利要求书
1、 一种支持信息无障碍的手机银行支付交互关联系统， 系统包括支持交 互关联系统技术的通信终端产品 （38)、 支持交互关联系统的导向媒介产品
(81) 及电子支付系统 （83)， 其特征在于；
所述交互关联系统由媒体信息信号 （01)、 电子读数装置 （02)及电子收 发装置 （03) 构成，
所述媒体信息信号 （01) 是媒体信息数据与关联数据 （12) 的组合， 所 述关联数据含有电子地址数据及导向关联数据组合指令，
所述电子读数装置设有组合数据接收电路 （21)、 组合数据分解电路
(22) 及发送电路 （24)， 组合数据接收电路接收媒体信息信号， 通过组合数 据分解电路 （22) 把媒体信息信号分解为媒体信息数据及关联数据 （12)， 分 解后的关联数据通过发送电路 （24) 传送至电子收发装置，
所述电子收发装置设有的关联数据接收电路 （31)、 关联数据发送电路 (32) 及含储存器的中央处理器，
所述关联数据接收电路 （31) 设有 WIFI装置 （91) 支持的短距离信号收 发电路，
所述电子支付系统提供不同银行的电子支付服务， 支持付款方与受款方 的电子支付操作。
2、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统， 其特征在于，
所述付款方与受款方要与电子支付系统签订相互支持的电子支付协议， 所述付款方与受款方使用的通信终端产品可设置多个帐户导向目录， 不 同的帐户导向目录设定与不同的银行关联。
3、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统， 其特征在于，
所述付款方通过通信终端产品从支持交互关联系统的导向媒介产品获取 需要付款的相关信息内容，
所述付款方根据相关信息内容的提示， 选择适合的提示发送付款指令 电子支付系统办理付款请求。
4、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统 其特征在于，
所述电子支付系统收到付款方的付款指令后， 该电子支付系统回传付 方之前所设定交易密码到付款方的通信终端产品。
5、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统 其特征在于，
所述付款方收到电子支付系统回传的交易密码后， 继续完成电子支付 统电子支付协议相关的操作程序， 并作确认手续。
6、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统 其特征在于，
所述电子支付系统根据付款方的请求内容， 完成相关款项交收手续后， 并把交易结果发送到付款方的通信终端产品和受款方。
7、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统 其特征在于，
所述电子支付系统连接 WIFI装置 （91 )。
8、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统 其特征在于，
所述电子收发装置设有的关联数据接收电路、 关联数据发送电路及含 存器的中央处理器的模块， 嵌入具独立操作的导向媒介产品， 所述导向媒介产品设有导向关联数据组合程式支持对码数据及 WIFI装置 密码数据储存及更换，
所述导向关联数据组合指令激活导向关联数据组合程式， 把关联数据处 理为导向关联数据 （12A), 通过发送电路设置的短距离信号收发电路传送。
9、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统， 其特征在于，
所述通信终端产品接收导向关联数据处理为 WIFI关联数据 （12B), 通过 发送电路设置的短距离信号收发电路传送 WIFI装置。
10、 如权利要求 1所述的支持信息无障碍的手机银行支付交互关联系统， 其特征在于，
所述电子读数装置设有组合数据接收电路、 组合数据分解电路、 发送电 路及 CPU模块， 嵌入支持交互关联系统的通信终端产品。
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