WO2015106369A1 - 一种支持移动支付的离线引导与确认装置和方法 - Google Patents

一种支持移动支付的离线引导与确认装置和方法 Download PDF

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Publication number
WO2015106369A1
WO2015106369A1 PCT/CN2014/000200 CN2014000200W WO2015106369A1 WO 2015106369 A1 WO2015106369 A1 WO 2015106369A1 CN 2014000200 W CN2014000200 W CN 2014000200W WO 2015106369 A1 WO2015106369 A1 WO 2015106369A1
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WIPO (PCT)
Prior art keywords
payment
module
transaction
consumer
information
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PCT/CN2014/000200
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English (en)
French (fr)
Inventor
高鹏
张博文
庾良建
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上海睿响信息技术有限公司
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Application filed by 上海睿响信息技术有限公司 filed Critical 上海睿响信息技术有限公司
Priority to US14/892,583 priority Critical patent/US20160125388A1/en
Priority to SG11201601735WA priority patent/SG11201601735WA/en
Priority to AU2014378232A priority patent/AU2014378232A1/en
Priority to GB1600486.3A priority patent/GB2531665A/en
Publication of WO2015106369A1 publication Critical patent/WO2015106369A1/zh

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    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Definitions

  • the present invention relates to mobile internet technologies, and more particularly to an offline boot and acknowledgment apparatus and method for supporting mobile payments. Halo technology
  • Mobile payment also known as mobile payment, refers to a way of allowing mobile users to use their mobile terminals (usually mobile phones) to pay for goods or services they consume.
  • the basic principle of mobile payment is to establish a one-to-one correspondence between the payment software of the user's mobile phone and the user's own bank card account.
  • the user completes the transaction payment request under the guidance of the mobile payment software instruction through the network. Because the payment success information presented by the customer to the merchant may not be true, the merchant must independently receive the information of the user's payment success through the network and complete the sale.
  • the current mobile payment has the following drawbacks:
  • the transaction process must ensure that both devices simultaneously connect to the Internet online and confirm the payment transaction online. If the customer's payment is successful and the merchant device network fails, the final transaction confirmation cannot be completed, resulting in transaction rectification.
  • the online transaction information will contain the specific sales data of the merchant.
  • the outflow of the data will cause the business secrets of the merchant to leak, thus making the industry competitors profitable.
  • the object of the present invention is to provide an offline guidance and confirmation device and method for supporting mobile payment for various problems existing in current mobile payment.
  • the present invention provides an offline guidance and confirmation device for supporting mobile payment, which comprises: a display module, a storage module, a keyboard module, an encryption and decryption module, a power module, an input and output connected to the information processing module. (I/O) module, main panel, and battery module.
  • the encryption and decryption module may be multiple and replaceable.
  • the input/output (I O) module can be connected to the following external devices by wire and/or wireless: a two-dimensional code recognition device, a barcode recognition device, a printing device, a sound wave recognition device, and an NFC recognition device.
  • the information processing module, the display module, the storage module, the keyboard module, the encryption and decryption module, the power module, the input/output (I/O) module, the main panel, and the battery module described in the present invention may be used in the prior art.
  • the well-known technical solutions are known to those skilled in the art, and will not be further described herein.
  • the present invention also provides an offline guidance and confirmation method for supporting mobile payment, including the following steps -
  • the merchant After the consumer selects the product that needs to purchase the payment or accepts the labor service provided by the merchant, the merchant inputs the transaction ticket number and the transaction amount information through the keyboard module in the payment guiding and confirming device;
  • the information processing module receives the transaction order number and transaction amount information in step 101 input in the keyboard module, and other transaction information, where the other information specifically includes: a service service provider's boot string, a device identification number, and a merchant collection account. , transaction time, transaction confirmation code, transmitted to the encryption and decryption module for encryption;
  • the information processing module generates the two-dimensional code by using the prior art by using the prior art, and displays the two-dimensional code through the display module.
  • the consumer scans the two-dimensional code generated by the merchant payment guiding and confirming device by using the mobile intelligent terminal through the client software having the two-dimensional code scanning function, including the mobile client software of each payment service provider;
  • the client software with the QR code scanning function uploads the transaction information to the payment platform to request payment;
  • the payment platform processes the payment request, and decodes the transaction confirmation code, and requests the consumer to confirm the payment amount and the related information, and then input the password;
  • the consumer confirms the payment after confirming the payment amount and relevant information by the personal mobile client;
  • the payment platform verifies the password input by the consumer. If the verification is successful, go to step 109. Unsuccessful, remind the consumer to re-enter the password;
  • the mobile payment platform sends a successful electronic voucher to the consumer, and includes returning the decrypted transaction confirmation code
  • the merchant enters the decrypted transaction confirmation code returned by the payment success electronic receipt received by the customer through the keyboard module in the payment guiding and confirming device;
  • the information processing module confirms whether the decrypted verification check code is correctly decrypted. If it is correct, the transaction is successfully displayed; if not, prompts to re-enter the transaction confirmation code.
  • the transaction process does not have to ensure that the devices of both parties to the transaction are simultaneously connected to the Internet at the same time, and only the customer's mobile terminal is connected to the Internet to complete the payment, and the returned decrypted verification verification code is obtained, and the transaction can be completed on the offline mobile terminal of the merchant. Successfully confirmed that the problem of disputes could not be solved due to the failure of the merchant equipment network.
  • the transaction request information obtained by the customer from the merchant mobile terminal is encrypted data, and the online network transmission is more secure and reliable, and the security of the offline transaction confirmation is ensured.
  • the online transaction information does not need to include the specific sales data of the merchant, and only the verification of the merchant and the transaction number is performed, thereby avoiding the loss caused by the leakage of the trade secret of the merchant.
  • the invention can solve the problem that the queue waiting for the merchants to collect cash in the queue is too long, and the centralized cash register of the merchant can be changed into the decentralized cash register.
  • FIG. 1 is a schematic diagram of a hardware structure of the present invention
  • FIG. 3 is a schematic diagram of a main panel circuit of the present invention.
  • Embodiment 1 The present invention is applied to a counter store Alipay mobile wallet to pay checkout in a department store, without the need for a checkout queue. 101. In a department store in Beijing (supporting mobile phone Alipay wallet payment), Consumer A went to a clothing counter, picked a Y500 yuan shirt, and asked to use Alipay mobile wallet to checkout, the salesperson entered through the payment guide and confirmation device. Trading order number 001 and payment amount ⁇ 500;
  • the payment guiding and confirming device internally inputs the input single number 001 and the payment amount Y500 together with the pre-set information including the device identification number, the merchant Alipay account number, the transaction time, and the transaction confirmation code;
  • a two-dimensional code is displayed on the screen of the payment guidance and confirmation device, and the payment amount Y500;
  • Consumer A takes out his own smartphone, opens the QR code scanning function of Alipay mobile wallet in the mobile phone, scans the payment guide and confirms the actual QR code on the screen of the device;
  • the Alipay platform processes the payment request, and decodes, returns the information to the Alipay mobile wallet client on the consumer's mobile phone, the amount of the payment to be paid on the page, Y500, and the payment location, transaction number, payment time, etc. Information, and ask for the payment password of the Alipay platform;
  • the Alipay platform verifies the payment password xxxxxx submitted by the consumer;
  • the sales clerk verifies the transaction confirmation code returned to the consumer's mobile phone in step 109 by the payment guidance and confirmation device input.
  • Embodiment 2 The present invention is applied to complete mobile wallet payment in a general retail store.
  • the payment guiding and confirming device internally encrypts the input order number 002 and the payment amount ⁇ 2500 together with the pre-set information including the device identification number, the merchant WeChat account number, the transaction time, and the transaction confirmation code; 103.
  • a QR code is displayed on the screen of the payment guidance and confirmation device, and the payment amount is
  • Consumer B takes out his own smartphone, opens the QR code scanning function of the WeChat client in the mobile phone, scans the payment guide and confirms the actual QR code on the screen of the device;
  • WeChat (Tianfutong) processes the payment request and decodes it, it returns the information to the consumer on the WeChat payment page on the mobile phone to pay the amount of Y2500, as well as the payment location, transaction number, payment time and other information. And ask for a payment password;
  • the sales clerk verifies the transaction confirmation code returned to the consumer's mobile phone in step 109 by the payment guidance and confirmation device input;
  • the payment success information is returned on the screen, and the salesperson hands the ski equipment to the consumer.
  • Example 3 The present invention is applied to the application of a restaurant, and the checkout is performed on a dining table.
  • the payment guidance and confirmation device internally inputs the input number 011029 and the payment amount of ⁇ 680, together with the pre-set information including the device identification number, the merchant quick money account, the transaction time, and the transaction confirmation code for encryption processing;
  • a two-dimensional code is displayed on the screen of the payment guidance and confirmation device, and the payment amount Y680;
  • Consumer C takes out his own smartphone, opens the QR code scanning function of the fast money client in the mobile phone, scans the payment guide and confirms the actual QR code on the screen of the device;
  • the information obtained after scanning the code is sent back to the fast money payment platform via Consumer C's mobile phone for payment;
  • the fast money payment platform verifies the payment password xxxxxx submitted by the consumer;
  • the sales clerk verifies the transaction confirmation code returned to the consumer's mobile phone as mentioned in 109 by the payment guidance and confirmation device input;

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

Abstract

本发明公开了一种支持移动支付的离线引导与确认装置，其特征在于：包括与信息处理模块连接的显示模块、存储模块、键盘模块、加密解密模块、电源模块、输入输出（I/O）模块、主面板以及电池模块。所述的加密解密模块可有多个，且可更换。所述的输入输出（I/O）模块可以通过有线和/或无线连接如下外部设备：二维码识别装置、条形码识别装置、打印装置、声波识别装置、以及NFC识别装置。本发明同时公开了一种支持移动支付的离线引导与确认方法。本发明解决了传统交易过程必须保证双方设备同时在线联入互联网的弊端，成本低、安全便捷。

Description

一种支持移动支付的离线引导与确认装置和方法 技术领域
本发明涉及移动互联网络技术， 尤其是涉及一种支持移动支付的离线引导与确认装 置和方法。 背暈技术
手机支付也称为移动支付， 是指允许移动用户使用其移动终端 （通常是手机）对所 消费的商品或服务进行账务支付的一种服务方式。手机支付的基本原理是将用户手机的支 付软件与用户本人的银行卡账号建立一种一一对应的关系，用户通过网络，在手机支付软 件指令的引导下完成交易支付请求。因为客户给商家出示的支付成功信息有可能是不真实 的，所以商家必须独立通过网络接收到用户支付成功的信息，完成销售。 目前的手机支付 存在以下弊端：
1、 交易过程必须保证双方设备同时在线联入互联网， 在线确认支付交易， 如果 出现顾客支付成功而商家设备网络出现故障，则无法完成最终交易确认，从而造成交易纠 纷。
2、 交易信息在互联网上在线流转， 数据安全性差， 没有必要的保护措施， 易被 获取。
3、 在线交易信息会包含商家的具体销售数据， 该数据的流出导致商家的商业秘 密外泄， 从而使行业竞争对手获利。
4、 对顾客只能在收银台完成交易的情况， 容易在消费高峰期造成结帐排队等候 时间过长问题， 使顾客的消费体验受到影响。 发明内容 本发明的目的就是针对目前手机支付存在的各种问题， 提供的一种支持移动支付的 离线引导与确认装置和方法。
为实现上述目的，本发明提供了一种支持移动支付的离线引导与确认装置，其特征在 于： 包括与信息处理模块连接的显示模块、存储模块、 键盘模块、加密解密模块、 电源模 块、 输入输出 (I/O)模块、 主面板以及电池模块。
所述的加密解密模块可有多个， 且可更换。
所述的输入输出 (I O)模块可以通过有线和 /或无线连接如下外部设备： 二维码识别装 置、 条形码识别装置、 打印装置、 声波识别装置、 以及 NFC识别装置。
具体的， 本发明中所述的信息处理模块、 显示模块、 存储模块、 键盘模块、 加密解 密模块、 电源模块、输入输出 (I/O)模块、主面板以及电池模块可采用现有技术中的公知方 案， 有关上述公知技术方案， 本领域的技术人员均已了解， 在此不再赘述。
基于上述的一种支持移动支付的离线引导与确认装置,本发明同时提供了一种支持移 动支付的离线引导与确认方法， 包括以下步骤-
101、 消费者在选择需要采购付款的商品或接受商家提供的劳务以后， 商家在支付引 导与确认装置中通过键盘模块输入本次交易单号与交易金额信息；
102、 信息处理模块收到键盘模块中输入的步骤 101中的交易单号与交易金额信息连 同其它交易信息， 其他信息具体包括： 支付服务提供商的引导字符串、设备识别号、商家 收款帐号、 交易时间、 交易确认码， 传输至加密解密模块进行加密；
103、 信息处理模块利用现有技术将该加密后的信息生成二维码， 并将该二维码通过 显示模块进行显示；
104、 消费者利用移动智能终端通过具有二维码扫描功能的客户端软件， 包括各支付 服务提供商的移动客户端软件扫描商家支付引导与确认装置生成的二维码；
105、 具有二维码扫描功能的客户端软件将交易信息上传到支付平台请求支付；
106、 支付平台处理支付请求， 并进行交易确认码的解码， 请求消费者确认支付金额 以及相关信息后输入密码；
107、消费者在个人移动客户端确认支付金额以及相关信息后输入交易密码确认支付；
108、 支付平台对消费者输入的密码进行验证， 如果验证成功， 执行步骤 109， 如果 不成功， 提醒消费者重新输入密码；
109、 移动支付平台给消费者发送交易成功电子凭证， 并包括返回解密后的交易确认 码；
110、 商家在支付引导与确认装置中通过键盘模块输入顾客收到的支付成功电子凭证 返回的解密后的交易确认码；
111、 信息处理模块确认该解密后的确认校验码是否正确解密， 如果正确， 显示交易 成功； 如果不正确， 提示重新输入交易确认码。
与现有技术相比， 本发明的效果是积极明显的：
首先， 交易过程不必保证交易双方设备同时在线联入互联网， 只须顾客的移动终端 在线联入互联网完成支付，并获取返回的解密后的确认校验码，即可在商家的离线移动终 端完成交易成功确认，解决由于商家设备网络出现故障，无法完成最终交易确认，而造成 纠纷的问题。
其次， 顾客从商家移动终端获得的交易请求信息为加密数据， 在线网络传输时更安 全可靠，保证了离线交易确认的安全性。同时在线交易信息不用包含商家的具体销售数据， 只进行商家和交易单号的核销， 避免了商家的商业秘密外泄而造成的损失。
最后， 本发明可以解决商家集中收银的排队等候吋间过长问题， 可使商家的集中收 银改变为分散式收银。
附图说明
图 1为本发明的硬件结构示意图；
图 2为本发明的外观示意图；
图 3为本发明的主面板电路示意图；
图 4为本发明的方法流程图。 具体实施方式
下面结合附图 4和具体实施例对本发明迸行详细说明。
实施例 1 : 本发明应用在百货商场实现柜台支付宝手机钱包支付结账， 无需收银台排 队。 101. 北京的一家百货商场中 （支持手机支付宝钱包付款)， 消费者 A到了一个服 装柜台， 挑中了一件 Y500元的上衣， 并要求使用支付宝手机钱包结账， 售货员通过支付 引导与确认装置输入交易单号 001以及支付金额 ¥500;
102. 支付引导与确认装置在内部把输入的单号 001以及支付金额 Y500连同提前 设定好的信息包括设备识别号， 商家支付宝账号， 交易时间， 交易确认码进行加密处理；
103. 支付引导与确认装置的屏幕上显示出一个二维码， 以及此次支付金额 Y500;
104. 消费者 A拿出自己的智能手机,打开手机中的支付宝手机钱包的二维码扫码 功能， 扫描支付导引与确认装置屏幕上现实的二维码；
105. 扫码后获的信息经由消费者 A的手机传回给支付宝平台请求支付；
106. 支付宝平台处理支付请求后， 并解码后， 返回信息给消费者手机上的支付宝 手机钱包客户端， 在页面上此次消费要支付的金额 Y500, 以及支付地点， 交易单号， 支 付时间等信息， 并要求输入支付宝平台的支付密码；
107. 消费者手机上核对需支付金额后， 输入支付密码 xxxxxx并点击确认提交；
108. 支付宝平台对消费者提交的回复支付密码 xxxxxx进行验证；
109. 验证成功后， 将支付成功的电子凭证返回给消费者的手机， 显示支付成功信 息， 以及解码后的数字交易确认码；
110. 售货员将步骤 109中返回给消费者手机上的交易确认码通过支付引导与确认 装置输入进行验证。
111. 经支付引导与确认装置验证后， 在屏幕上返回支付成功信息， 售货员将上衣 交给消费者， 购买成功。 实施例 2: 本发明应用在普通零售店内的完成手机钱包支付。
101.一家体育用品连锁店内 （支持微信支付)， 消费者 B购买了一套价值 Y2500 的滑雪装备， 并要求使用微信支付， 售货员通过支付导引与确认装置输入交易单号 002 以及支付金额 Y2500;
102. 支付引导与确认装置在内部把输入的单号 002 以及支付金额 ¥2500连同提 前设定好的信息包括设备识别号， 商家微信账号， 交易时间， 交易确认码进行加密处理； 103. 支付引导与确认装置的屏幕上显示出一个二维码， 以及此次支付金额
¥2500；
104. 消费者 B拿出自己的智能手机， 打开手机中微信客户端的二维码扫码功能， 扫描支付导引与确认装置屏幕上现实的二维码；
105. 扫码后获的信息经由消费者 B的手机传回给微信 （财付通） 平台请求支付；
106. 微信（财付通）处理支付请求后， 并解码后， 返回信息给消费者手机上的微 信支付页面上此次消费要支付的金额 Y2500,以及支付地点，交易单号，支付时间等信息， 并要求输入支付密码；
107. 消费者手机上核对需支付金额后， 输入支付密码 xxxxxx并点击确认提交；
108. 微信 （财付通） 平台对消费者提交的回复支付密码 xxxxxx进行验证；
109. 验证成功后， 将支付成功的电子凭证返回给消费者的手机， 显示支付成功信 息， 以及解码后的数字交易确认码；
110. 售货员将步骤 109中返回给消费者手机上的交易确认码通过支付引导与确认 装置输入进行验证；
111. 经支付引导与确认装置验证后， 在屏幕上返回支付成功信息， 售货员将滑雪 装备交给消费者。
实施例 3 : 本发明应用在餐厅的应用， 餐台上结账。
101. 连锁牛排西餐店（支持快钱支付），消费者 C消费了 ¥680，结账时要求快钱， 售货员通过支付引导与确认装置输入交易单号 011029以及支付金额 Y680;
102. 支付引导与确认装置在内部把输入的单号 011029以及支付金额 ¥680,连同 提前设定好的信息包括设备识别号，商家快钱账号，交易时间，交易确认码进行加密处理;
103. 支付引导与确认装置的屏幕上显示出一个二维码， 以及此次支付金额 Y680;
104. 消费者 C拿出自己的智能手机， 打开手机中快钱客户端的二维码扫码功能， 扫描支付导引与确认装置屏幕上现实的二维码；
105. 扫码后获的信息经由消费者 C的手机传回给快钱支付平台请求支付；
106. 快钱处理支付请求后， 并解码后， 返回信息给消费者手机上的快钱支付页面 上此次消费要支付的金额 Y680, 以及支付地点， 交易单号， 支付时间等信息， 并要求输 入支付密码；
107. 消费者手机上核对需支付金额后， 输入支付密码 xxxxxx并点击确认提交；
108. 快钱支付平台对消费者提交的回复支付密码 xxxxxx进行验证；
109. 验证成功后， 将支付成功的电子凭证返回给消费者的手机， 显示支付成功信 息， 以及解码后的数字交易确认码；
110.售货员将 109中提到的返回给消费者手机上的交易确认码通过支付引导与确 认装置输入进行验证；
111. 经支付引导与确认装置验证后， 在屏幕上返回支付成功信息， 支付结束。 当然， 上述说明并非是对本发明的限制， 本发明也并不仅限于上述举例， 本技术领 域的普通技术人员在本发明的实质范围内做出的变化、改型、添加或替换， 也应属于本发 明的保护范围。

Claims

权 利 要 求 书
1. 一种支持移动支付的离线引导与确认装置， 其特征在于： 包括与信息处理模块连 接的显示模块、 存储模块、键盘模块、 加密解密模块、 电源模块、 输入输出 (I/O)模块、 主 面板以及电池模块。
2. 根据权力要求 1所述的一种支持移动支付的离线引导与确认装置， 其特征在于： 所述的加密解密模块可有多个， 且可更换。
3. 根据权力要求 1所述的一种支持移动支付的离线引导与确认装置， 其特征在于： 所述的输入输出 (I/O)模块可以通过有线和 /或无线连接如下外部设备： 二维码识别装置、 条形码识别装置、 打印装置、 声波识别装置、 以及 NFC识别装置。
4. 一种支持移动支付的离线引导与确认方法， 其特征在于： 包括以下步骤：
101、 消费者在选择需要采购付款的商品或接受商家提供的劳务以后， 商家在支付引 导与确认装置中通过键盘模块输入本次交易单号与交易金额信息；
102、 信息处理模块收到键盘模块中输入的步骤 101中的交易单号与交易金额信息连 同其它交易信息， 其他信息具体包括： 支付服务提供商的引导字符串、设备识别号、商家 收款帐号、 交易时间、 交易确认码， 传输至加密解密模块进行加密；
103、 信息处理模块利用现有技术将该加密后的信息生成二维码， 并将该二维码通过 显示模块进行显示；
104、 消费者利用移动智能终端通过具有二维码扫描功能的客户端软件， 包括各支付 服务提供商的移动客户端软件扫描商家支付引导与确认装置生成的二维码；
105、 具有二维码扫描功能的客户端软件将交易信息上传到支付平台请求支付；
106、 支付平台处理支付请求， 并进行交易确认码的解码， 请求消费者确认支付金额 以及相关信息后输入密码；
107、消费者在个人移动客户端确认支付金额以及相关信息后输入交易密码确认支付;
108、 支付平台对消费者输入的密码进行验证， 如果验证成功， 执行步骤 109， 如果 不成功， 提醒消费者重新输入密码；
109、 移动支付平台给消费者发送交易成功电子凭证， 并包括返回解密后的交易确认 码；
110、 商家在支付引导与确认装置中通过键盘模块输入顾客收到的支付成功电子凭证 返回的解密后的交易确认码； 111、 信息处理模块确认该解密后的确认校验码是否正确解密， 如果正确， 显示交易 成功； 如果不正确， 提示重新输入交易确认码。
PCT/CN2014/000200 2014-01-20 2014-03-05 一种支持移动支付的离线引导与确认装置和方法 WO2015106369A1 (zh)

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