WO2015165426A1 - 支付方法及支付系统 - Google Patents

支付方法及支付系统 Download PDF

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Publication number
WO2015165426A1
WO2015165426A1 PCT/CN2015/082854 CN2015082854W WO2015165426A1 WO 2015165426 A1 WO2015165426 A1 WO 2015165426A1 CN 2015082854 W CN2015082854 W CN 2015082854W WO 2015165426 A1 WO2015165426 A1 WO 2015165426A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
account
platform
identity information
Prior art date
Application number
PCT/CN2015/082854
Other languages
English (en)
French (fr)
Inventor
刘若鹏
许伟成
王旭东
黄薇子
Original Assignee
深圳光启智能光子技术有限公司
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
Priority claimed from CN201410182845.7A external-priority patent/CN104166916B/zh
Priority claimed from CN201410183194.3A external-priority patent/CN104166911B/zh
Priority claimed from CN201410182949.8A external-priority patent/CN104166908B/zh
Priority claimed from CN201410183195.8A external-priority patent/CN104166912B/zh
Priority claimed from CN201410183908.0A external-priority patent/CN104166913B/zh
Priority claimed from CN201410182947.9A external-priority patent/CN104182868B/zh
Application filed by 深圳光启智能光子技术有限公司 filed Critical 深圳光启智能光子技术有限公司
Publication of WO2015165426A1 publication Critical patent/WO2015165426A1/zh
Priority to US15/336,830 priority Critical patent/US20170046705A1/en

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/30—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B10/00—Transmission systems employing electromagnetic waves other than radio-waves, e.g. infrared, visible or ultraviolet light, or employing corpuscular radiation, e.g. quantum communication
    • H04B10/11—Arrangements specific to free-space transmission, i.e. transmission through air or vacuum
    • H04B10/114—Indoor or close-range type systems
    • H04B10/116—Visible light communication
    • 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 payment technologies, and in particular, to a payment method and system.
  • consumers can use the payment account (for example, a credit or debit card or a third-party payment account, a prepaid card issued by a merchant, a card, etc.) to make a card settlement on the POS side when making a transaction payment.
  • a payment account for example, a credit or debit card or a third-party payment account, a prepaid card issued by a merchant, a card, etc.
  • this traditional "swipe-in" payment method allows consumers to avoid carrying large amounts of cash with them, consumers still have to carry or remember payment accounts for credit card payments, which limits transaction payments.
  • With the popularity of mobile communication technology people often carry mobile terminals with them.
  • the multimedia functions of mobile terminals are already standard equipment. For example, many mobile terminals have signal transmission functions. Therefore, it would be extremely convenient to be able to implement transaction payment using a mobile terminal.
  • Visible light communication technology is a new type of wireless optical communication technology developed on LED technology. Communication is carried out by high-frequency flickering of the LED light source, with light representing 1, no light representing 0, and visible light communication having a transmission rate of up to Gigabits per second. Visible light communication has a very rich spectrum of resources, which is unmatched by general wireless communication including microwave communication. At the same time, visible light communication can be applied to any communication protocol, suitable for any environment, and the device for visible light communication is flexible and convenient to install, and low in cost, and is suitable for mass popularization applications.
  • the visible light communication system uses visible light for short-range communication, and the visible light has high directivity and cannot penetrate obstacles, and has higher security than wireless communication. In the case where the mobile terminal has a flash function, it would be extremely convenient to be able to utilize the visible light communication of the mobile terminal to implement transaction payment.
  • a payment method comprising: a payment terminal transmitting identity information to a receiving terminal in the form of a transmission signal; the receiving terminal transmitting transaction information to the acquiring platform, the transaction information including the identity information; The acquiring platform obtains the first payment account for payment based on the identity information Paying account information and transmitting a payment request to the settlement platform; and the settlement platform performs settlement in response to the payment request, the payment request including the payment account information of the first payment account.
  • a payment method including: a payment terminal transmitting identity information to a receiving terminal in the form of a transmission signal; the receiving terminal transmitting transaction information to the acquiring platform, the transaction information including the identity information; The settlement platform obtains payment account information of the first payment account for payment based on the identity information from the acquiring platform; and the settlement platform performs settlement in response to obtaining the payment account information of the first payment account.
  • a payment system comprising: a payment terminal for transmitting identity information in the form of a transmission signal; and a receiving terminal for receiving the identity information and transmitting the transaction information
  • the transaction information includes the identity information; the acquiring platform, the acquiring platform is configured to receive the transaction information, obtain payment account information of the first payment account for payment based on the identity information, and send a payment request; and a settlement platform
  • the settlement platform is configured to perform settlement in response to receiving the payment request, the payment request including the payment account information of the first payment account.
  • a payment system comprising: a payment terminal for transmitting identity information in the form of a transmission signal; and a receiving terminal for receiving the identity information and transmitting the transaction information,
  • the transaction information includes the identity information; an acquiring platform for uploading the identity information received from the receiving terminal; and a settlement platform for obtaining the identity information based on the identity information from the acquiring platform
  • the payment account information of the first payment account of the payment is settled in response to the payment account information of the first payment account.
  • a payment method comprising: a payment terminal transmitting payment identity information to a receiving terminal in the form of a transmission signal; the receiving terminal transmitting a transaction request to the settlement platform, the transaction request including the payment identity information And the settlement platform performs settlement based on the verification of the payment identity information.
  • a payment system comprising: a payment terminal for transmitting payment identity information in the form of a transmission signal; and a receiving terminal for receiving the payment identity information and transmitting a transaction request, the transaction request including the payment identity information; and a settlement platform for receiving the transaction request and performing settlement based on the verification of the payment identity information.
  • Figure 1a is a block diagram showing a payment system in accordance with a first embodiment of the present invention
  • 1b is a block diagram showing a payment terminal in accordance with an aspect of the present invention.
  • Figure 1c is a block diagram showing a receiving terminal in accordance with an aspect of the present invention.
  • Figure 1d is a block diagram showing a user management platform in accordance with an aspect of the present invention.
  • FIG. 2 is a block diagram showing a payment system in accordance with a second embodiment of the present invention.
  • FIG. 3 is a flow chart showing a payment method in accordance with an aspect of the present invention.
  • FIG. 4 is a block diagram showing a payment system in accordance with a third embodiment of the present invention.
  • FIG. 5 is a block diagram showing a payment system in accordance with a fourth embodiment of the present invention.
  • FIG. 6 is a block diagram showing a payment system in accordance with a fifth embodiment of the present invention.
  • FIG. 7 is a flow chart showing a payment method in accordance with another aspect of the present invention.
  • Figure 8 is a block diagram showing a payment system in accordance with a sixth embodiment of the present invention.
  • FIG. 9 is a flow chart showing a payment method in accordance with still another aspect of the present invention.
  • FIG. 1a is a block diagram showing a payment system 100 in accordance with a first embodiment of the present invention.
  • Payment system 100 can include payment terminal 110.
  • the payment terminal 110 can be any suitable portable terminal including a signal transmitting unit 116, such as a cellular telephone, a satellite telephone, a cordless telephone, a personal digital assistant (PDA), a handheld device with wireless connectivity, computing Device, or other processing device connected to a wireless modem, and so on.
  • the payment terminal 110 can communicate with the signal transmitting unit 116 with other devices having signal receiving capabilities.
  • the signal transmitting unit 116 may be a visible light emitting unit, a sound wave unit, an infrared unit, a WiFi unit, a radio frequency unit, or the like.
  • the payment terminal 110 may be referred to as a photonic payment terminal, so that the visible light emitting unit 116 can be utilized for optical communication with other devices having optical communication capabilities.
  • the light emitting unit 116 can convey a meaningful signal with a regular high frequency flashing illumination using, for example, a light emitting diode (LED).
  • LED light emitting diode
  • Payment system 100 can include a user management platform 140 to enable management of user information.
  • the payment terminal 110 can access the user management platform 140 through a wireless communication system.
  • the wireless communication system herein may be, for example, CDMA, TDMA, FDMA, OFDMA, SC-FDMA, and other systems.
  • a CDMA system can implement radio technologies such as Universal Terrestrial Radio Access (UTRA), cdma2000, and the like.
  • UTRA includes Wideband CDMA (W-CDMA) and other CDMA variants.
  • cdma2000 covers the IS-2000, IS-95, and IS-856 standards.
  • a TDMA system can implement a radio technology such as the Global System for Mobile Communications (GSM).
  • An OFDMA system can implement such as Evolved UTRA (E-UTRA), Ultra Mobile Broadband (UMB), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, Radio technology such as the same.
  • E-UTRA Evolved U
  • the user can request registration from the user management platform 140 through the payment terminal 110.
  • the user management platform 140 can include a registration unit 141 for registering an account.
  • the registration unit 141 may register an account for the payment terminal 110 and assign an identity information to the account, for example, may include an identity ID.
  • the identity ID can be stored at the user management platform 140, such as in the database 143 of the user management platform 140.
  • the payment terminal 110 is a photonic payment terminal
  • the account may be referred to as a light account
  • the identity information may be referred to as photon identity information
  • the identity ID may be referred to as an optical ID.
  • the user After registering the account, the user can set a corresponding login password and can log in to the account using the payment terminal 110. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • a request to bind the payment account to the account and the identity ID can be submitted.
  • Users can bind multiple payment accounts to the account and identity ID.
  • the payment account here may be a bank card, a third party payment account, a prepaid card, a credit card, and the like.
  • the user can submit the payment account verification information of the payment account, such as the card number, the bank or card issuer, the cardholder name, the ID number, the mobile phone number, etc. to the user management platform 140.
  • the user management platform 140 may indirectly send the payment account verification information submitted by the user to the payment account issuing institution directly or through the acquiring platform 130 or the settlement platform 150 described below, such as a payment transaction system (also referred to as a payment transaction server).
  • a payment transaction system also referred to as a payment transaction server
  • the payment account issuing institution such as a payment account bank, a third-party payment institution, a credit card issuing institution, a prepaid card issuing institution, a city card issuing institution, etc. perform verification.
  • the user management platform 140 may submit the information packaged by the user to the acquiring platform corresponding to the payment account according to the specified interface and the communication protocol, such as the acquiring platform 130-n, and the acquiring platform 130-n according to the payment transaction.
  • the interface and the communication protocol provided by the system report the information to the settlement platform 150, and receive feedback prompts from the payment account issuing institution such as a bank, a third-party payment institution, a prepaid card issuing institution, and a city card issuing institution.
  • the registration unit 141 can bind the account to the payment account, for example, the account
  • the identity ID corresponding to the user is associated with the payment account.
  • the user can bind multiple payment accounts to the account, and can set a default payment account, or select a corresponding payment account to pay when paying.
  • the identity information may also include an identity password (which may be referred to as a payment password) for verification of the identity information.
  • the payment password can be set by the registration unit 141 in response to the user's selection. Meanwhile, when the user forgets the payment password, the payment password can be retrieved or reset by the payment account association information or the personally associated identity information.
  • the payment password may include a numeric password, a gesture password, fingerprint information, and the like.
  • the account, the corresponding identity ID, the payment password, and the payment account information of the bundled at least one payment account may be stored in the database 143. In an example, multiple payment accounts bound to a particular account and identity ID may be numbered 1 through N, which are stored in association with the account, identity ID, and payment password, as shown in Table 1. Shown.
  • the payment terminal 110 can implement the registration request, the password setting, and the binding operation of the payment account of the above account through corresponding payment software.
  • the payment software can be installed on the payment terminal 110.
  • the user can open the payment software on the payment terminal 110, through which the account registration, management, and binding of the payment account, the setting of the default payment account, and the binding of the payment account are released.
  • the receiving terminal 120-n may be a simple receiving device having a communication function set at the merchant, or may be a POS (Point of Sales) machine or a computer having a communication function and a function of placing a password and inputting a password.
  • the receiving terminal 120-n may be associated with a financial institution, and the different receiving terminals belong to different financial institutions. For example, the receiving terminal 120-1 is affiliated with the first financial institution, the receiving terminal 120-2 is affiliated with the second financial institution, and the like. These financial institutions issue their own payment accounts.
  • the acquiring platform 130-n Corresponding to the acquiring platform 120-n is the acquiring platform 130-n. Similar to the receiving terminal, the acquiring platform 130-n may also be related to a financial institution, and different acquiring platforms belong to different financial institutions. For example, the acquiring platform 130-1 is affiliated with the first financial institution, the acquiring platform 130-2 is affiliated with the second financial institution, and the like. The acquirer platform 130-n is communicatively coupled to a common user management platform 140.
  • Payment system 100 can also include a corresponding payment transaction system 160-n.
  • payment transaction systems 160-n are associated with financial institutions, and different payment transaction systems are affiliated with different financial institutions. example For example, the payment transaction system 160-1 is affiliated with the first financial institution, the payment transaction system 160-2 is affiliated with the second financial institution, and the like.
  • the receiving terminal 120-n may be an all-in-one POS machine including a signal receiving unit.
  • the receiving terminal may also be a conventional POS machine connected to a single signal receiving module.
  • the conventional POS machine can communicate with the signal receiving module via a communication interface, such as an RS232, USB interface, or with the signal receiving module via a wireless network.
  • the receiving terminal 120 may include a signal receiving unit 122 and a POS unit 124 that performs a conventional POS function.
  • the signal receiving unit 122 of the receiving terminal 120 is a light receiving unit.
  • the receiving terminal 120 may also be referred to as a photon receiving end.
  • the receiving terminal 120-n can implement communication with the payment terminal 110 through the signal receiving unit 122.
  • the payment terminal 110 can include an encoding unit 112 that can generally encode communication data to be communicated.
  • the communication data may be any information data that the payment terminal 110 is to communicate to the receiving terminal 120-n, such as identity information.
  • the encoding unit 112 may encode communication data to be communicated, for example, photon identity information. Common codes can include RZ pulse count coding.
  • the payment terminal 110 may further include an encryption unit 114.
  • the encryption unit 114 may first encrypt the communication data, and then perform the above encoding on the encrypted communication data by the encoding unit 112.
  • the signal transmitting unit 116 can transmit it, for example, in the form of a transmission signal.
  • the signal transmitting unit 116 is a light emitting unit
  • the light emitting unit 116 may transmit the received encoded signal as visible light, for example, by indicating a high level signal with light and a low level with no light. .
  • the signal receiving unit 122 of the receiving terminal 120-n can be used to receive and process the transmission signal transmitted by the signal transmitting unit 116 to obtain an electrical signal, for example, to obtain communication data in the form of an electrical signal.
  • the signal receiving unit 122 can perform processing such as converting, amplifying, filtering, etc. on the received transmission signal.
  • the light receiving unit 122 of the photon receiving end 120-n can be used to receive the visible light signal emitted by the light emitting unit 116 and convert the visible light signal into an electrical signal. For example, to obtain communication data in the form of an electrical signal.
  • the resulting high frequency flicker with light representing a high level, no light representing a low level, or vice versa, thereby converting the received visible light signal into a digital signal.
  • the light receiving unit 122 may include a photosensitive device such as a photodiode, a phototransistor, or the like.
  • the electrical pulse signal is formed by photoelectric conversion using the characteristics of the electrical signal and the optical signal of the photosensitive device.
  • the relative positions of the photon payment terminal 110 and the photon receiving end 120-n are different, that is, the optical signal intensity of each photon payment terminal 110 transmitted to the photon receiving end 120-n is different, so the electrical signal strength is weak.
  • the photoelectric conversion circuit adjusts the output voltage level to a high level; when the current value through the photodiode is lower than a certain threshold, the photoelectric conversion The circuit adjusts the output voltage level to a low level.
  • the threshold value is set according to different environments through a mathematical model. If the distance is long, the threshold value may decrease; the distance near threshold may be relatively increased. Through the above process, the level can be adjusted to a certain range to ensure the correct pulse shape to ensure the accuracy of sampling as much as possible.
  • the user may send the identity information to the receiving terminal 120-n through the payment terminal 110 in the form of a transmission signal, such as an optical signal, for example, including an identity ID and a payment password.
  • a transmission signal such as an optical signal, for example, including an identity ID and a payment password.
  • encoding unit 112 may encode the identity information.
  • the encryption unit 114 may also encrypt the identity information and then encode the encrypted identity information by the encoding unit 112.
  • Signal transmitting unit 116 can transmit a transmission signal indicative of the encoded identity information.
  • the user may also select a payment account for payment from the plurality of bundled payment accounts.
  • the identity information may also be accompanied by an identifier indicating the payment account selected for payment, for example, the identifier may indicate the number of the payment account when it is bound.
  • the user can initiate the transmission of the identity information, the selection of the payment account, and the like by the payment software on the payment terminal 110.
  • the user can enter a payment password before initiating the payment function.
  • the payment software performs the payment operation after the initial verification of the payment password is passed.
  • the signal receiving unit 122 of the receiving terminal 120-n can receive and process the transmission signal sent by the payment terminal 110 to obtain identity information in the form of an electrical signal.
  • the receiving terminal 120-n can include a decoding unit to decode the electrical signal to recover the identity information.
  • the receiving terminal 120-n does not decode the electrical signal, but rather the POS unit 124 directly forwards the encoded identity information in the form of an electrical signal.
  • the account verification information of the payment account can be input as needed. The account verification information of the payment account is verified by the issuing authority of the payment account (for example, the payment transaction system) in the subsequent payment process.
  • Receiving terminal 120-n can be packaged An input unit 126 such as a keyboard, a handwriting disk, a fingerprint recognition module, an iris recognition module, a voice recognition module, and the like are included.
  • the user can input account verification information such as a password, a signature, a fingerprint, an iris, a voice, a signature board, and the like through the input unit 126.
  • the receiving terminal 120-n may upload the transaction information to the corresponding acquiring platform 130-n.
  • the transaction information can include the identity information.
  • the transaction information may also include the account verification information.
  • the receiving terminal 110 is generally bound to the merchant account, so the transaction information may also include information such as the merchant identification number and the payment amount.
  • the acquiring platform 130-n can be used to implement interaction between the receiving terminal 120-n, the user management platform 140, and the settlement platform 150.
  • the receiving terminal 120-n can upload the transaction information to the acquiring platform 130-n through a dedicated line.
  • the acquiring platform 130-n may obtain payment account information of the payment account for payment based on the identity information.
  • the billing platform 130-n can then transmit a payment request, which can include payment account information for the payment account for payment.
  • the acquiring platform 130-n can forward the identity information to the user management platform 140, which is verified by the user management platform 140.
  • the user management platform 140 can include a verification unit 142 to perform the verification.
  • the account of the user of payment terminal 110 and associated identity information eg, identity ID and payment password
  • the verification unit 142 may retrieve the identity ID received from the database platform 143 from the acquiring platform 130-n. If the identity ID is not retrieved, the identity information is an illegal identity, and the verification fails. ; If the identity ID is retrieved, the verification is successful.
  • the identity information further includes the payment password
  • the identity ID if the identity ID can be retrieved, the payment password associated with the identity ID is further obtained, and the payment password is compared with the payment password received from the acquiring platform 130-n. If the two are consistent, the verification is successful, otherwise the verification fails.
  • the identity information received by the user management platform 140 is encrypted and encoded.
  • the user management platform 140 can include a decoding unit 144 and a decryption unit 145.
  • Decoding unit 144 may first decode the identity information and then decrypt by decryption unit 145 to recover the identity information.
  • the user management platform 140 may retrieve the payment account information associated with the identity information associated with the payment account from the database 143 and transmit the payment for the payment account to the acquiring platform 130-n. account information.
  • the user management platform 140 can be associated with a plurality of financial institutions to store payment account information for payment accounts issued by the plurality of financial institutions.
  • the user sets a payment account that is defaulted for payment.
  • the user management platform 140 can directly retrieve the payment account information of the payment account defaulted for payment associated with the identity information in response to the verification success. .
  • the user does not set a default payment account, but selects a payment account for payment at the time of payment, as described above.
  • the user identity information may be accompanied by an identifier indicating the payment account for payment, such as the number when the payment account is bound.
  • the user management platform 140 can retrieve the payment account information of the payment account for payment based on the identifier.
  • the user management platform 140 can transmit the retrieved payment account information of the payment account to the acquiring platform 130-n.
  • the payment account information for the payment account may be stored at the acquiring platform 130-n.
  • the user management platform 140 does not store payment account information as described above, but instead stores account associated information, such as account index information, that can be used to obtain payment account information.
  • the user management platform 140 may send only the account association information for acquiring the payment account information to the acquiring platform 130-n.
  • the acquiring platform 130-n can find the payment account information of the payment account from its own database according to the account association information.
  • the user management platform 140 can transmit a verification failure message to the acquiring platform 130-n.
  • the acquiring platform 130-n may upload a payment request.
  • the acquiring platform 130-n can send the payment request to the settlement platform 150.
  • the payment request may include payment account information, payment amount, and merchant identification number.
  • the payment request may further include account verification information.
  • the acquiring platform 130-n may forward the verification failure message to the receiving terminal 120-n to notify the merchant and the user that the payment has failed.
  • the settlement platform 150 can settle in response to receiving a payment request from the acquiring platform 130-n.
  • the settlement platform 150 can submit a settlement request to the corresponding payment transaction system 160-n based on the payment account information.
  • the settlement request may include payment account information and a payment amount.
  • the settlement request may further include account verification information.
  • the payment transaction system 160-n is a transaction system corresponding to the payment account for payment. For example, taking the payment account as a bank card issued by a bank, the payment transaction system correspondingly acts as a bank payment transaction system for the bank. Based on the different payment accounts, the settlement platform 150 can transmit settlement requests to different payment transaction systems.
  • the settlement platform 150 is a public settlement platform and is provided separately from each payment transaction server 160-n.
  • the settlement platform 150 can also be a plurality of settlement platforms each associated with a different financial institution. In this case, each settlement platform can be integrated into an associated payment transaction server.
  • the payment transaction server 160-n may perform the payment transaction based on the settlement request from the settlement platform 150 and the confirmation information from the payment terminal 110.
  • the confirmation information can include a payment transaction password for the payment account. If the payment transaction password is correct, the payment transaction is executed by the payment transaction server 160-n, otherwise the failure notification message is fed back to the settlement platform 150 and the payment terminal 110.
  • the payment request is sent by the payment transaction server 160-n to the payment terminal 110, and the payment terminal 110 can transmit the confirmation information to the payment transaction server 160-n in response to the confirmation request.
  • the payment transaction system 160-n may deduct the payment amount from the corresponding payment account after verifying the payment account information, for example, after confirmation by the confirmation information. In instances where the settlement request includes account verification information, the payment transaction system 160-n may verify the validity of the payment account information by the account verification information. Note that the payment transaction system 160-n does not directly directly credit the deducted payment amount to the merchant account, but instead enters the settlement platform 150 in the transaction account set up by the bank. The settlement platform 150 will periodically settle with the merchant. Therefore, the settlement platform 150 receives the payment amount transferred by the payment transaction system 160-n and can be regarded as a payment success. The payment transaction system 160-n may report payment settlement information, such as a payment account number, a debit amount, and the like, to the settlement platform 150 after the transfer.
  • payment settlement information such as a payment account number, a debit amount, and the like
  • the settlement platform 150 may forward the payment settlement information to the acquiring platform 130-n, and further transmit the payment settlement information to the user management platform 140 and the receiving terminal 120-n by the acquiring platform 130-n.
  • the user management platform 140 can feed back the payment settlement information to the payment terminal 110.
  • the receiving terminal 120-n can print the payment settlement information.
  • the user can complete the transaction payment through the payment terminal 110.
  • FIG. 2 shows a payment system 200 in accordance with a second embodiment of the present invention.
  • the receiving terminal 220-n may be associated with a financial institution, and the different receiving terminals are affiliated with different financial institutions.
  • the acquiring platform 230-n may also be related to a financial institution, and different acquiring platforms belong to different financial institutions.
  • the payment transaction system 260-n is associated with financial institutions, and different payment transaction systems are affiliated with different financial institutions.
  • each user management platform 240-n is associated with a different financial institution.
  • Account information of a payment account issued by a financial institution associated therewith may be stored in each user management platform 240-n.
  • the receiving terminal 220-1 and the acquiring platform 230-1 are associated with the first financial institution, such as the first financial institution.
  • the corresponding user management platform 240-1 is also associated with the first financial institution.
  • the user management platform 240-1 can store the payment account information of the payment account issued by the first financial institution.
  • the receiving terminal 220-2 receives an order
  • the station 230-2 and the user management platform 240-2 may be associated with the second financial institution, and the user management platform 240-2 may store the payment account information of the payment account issued by the second financial institution.
  • the receiving terminal 220-1 is the receiving terminal of the first financial institution.
  • the acquiring platform 230-1 can obtain payment account information of the payment account from the user management platform 240-1.
  • the identity information is transmitted by the acquiring platform 230-1 to the user management platform 240-1, and the payment account information of the payment account is obtained accordingly.
  • the determination may be made by the receiving terminal 220-1 or the acquiring platform 230-1 based on the financial institution identification information transmitted from the payment terminal 210 along with the identity information.
  • the user can complete the payment by, for example, a mobile phone having a function of a signal transmission function such as sound wave transmission without carrying various names of various payment accounts.
  • the security of payment is reliably guaranteed compared to by means of online payment, because according to the solution of the invention, the payment process is entered into the payment transaction system via the secure POS end.
  • the track information of the payment account can be easily stolen compared to traditional offline credit card payment.
  • the POS side does not pay the account information of the account, so the security is significantly improved.
  • the solution of the present invention can be used for payment by any financial institution, such as a payment account issued by a bank or a third party payment institution.
  • a payment account issued by a bank
  • the solution of the present invention is particularly applicable to the payment process in the case where there is a balance in the payment account, although the solution of the present invention is not limited thereto.
  • FIG. 3 is a flow chart showing a payment method 300 in accordance with an aspect of the present invention.
  • identity information is transmitted from the payment terminal to the receiving terminal in the form of a transmission signal.
  • the payment terminal may encode the identity information and transmit the encoded identity information to the receiving terminal in the form of a transmission signal, such as an optical signal.
  • the payment terminal may encrypt the identity information and then encode the encrypted identity information.
  • the receiving terminal receives and processes the transmission signal to obtain an electrical signal, for example, performing photoelectric conversion in the case where the transmission signal is an optical signal, thereby obtaining identity information in the form of an electrical signal.
  • the identity information can include an identity ID.
  • the identity information may also include a payment password.
  • transaction information is transmitted from the receiving terminal to the acquiring platform, and the transaction information may include the identity information.
  • the acquiring platform may obtain a payment account for payment based on the identity information, such as payment account information for the first payment account, and send a payment request to the settlement platform.
  • the acquiring platform may forward the identity information to a user management platform, and the user management platform may verify the received identity information.
  • the identity information includes an identity ID.
  • the user management platform may retrieve the received identity ID from its own database. If the identity ID is not retrieved, the identity information is an illegal identity, and the verification fails. If the identity ID can be retrieved, the verification is successful.
  • the user management platform may further obtain a payment password associated with the identity ID, and compare the payment password with the received payment password, if the two are consistent, The verification is successful, otherwise the verification fails.
  • the identity information received by the user management platform is encrypted and encoded.
  • the user management platform may first decode the identity information and then decrypt it to recover the identity information.
  • the user management platform may transmit the payment account information of the first payment account to the acquiring platform.
  • the user management platform may also transmit account association information for the payment account information for the billing platform to find the payment account information.
  • the first payment account is a payment account defaulted for payment, and at this time, the user management platform may directly retrieve the default payment account associated with the identity information and used for payment in response to the verification success.
  • Payment account information is a payment account defaulted for payment, and at this time, the user management platform may directly retrieve the default payment account associated with the identity information and used for payment in response to the verification success.
  • Payment account information is a payment account defaulted for payment, and at this time, the user management platform may directly retrieve the default payment account associated with the identity information and used for payment in response to the verification success.
  • Payment account information is a payment account defaulted for payment, and at this time, the user management platform may directly retrieve the default payment account associated with the identity information and used for payment in response to the verification success.
  • Payment account information is a payment account defaulte
  • the user management platform may transmit a verification failure message to the acquirer platform.
  • the acquiring platform may forward the verification failure message to the receiving terminal.
  • the acquiring platform and the user management platform are associated with a first financial institution, wherein the user management platform stores payment account information of a payment account issued by the first financial institution, in this example, the response And determining, by the acquiring platform, the identity information to the user management platform that the first payment account is a payment account issued by the first financial institution.
  • step 308 settlement is performed by the settlement platform in response to the payment request, the payment request including payment account information for the first payment account.
  • the settlement platform may transmit a settlement request to a payment transaction server corresponding to the first payment account in response to the payment request, the settlement request may include payment account information of the first payment account.
  • the settlement request may also include a payment amount.
  • the payment transaction system can transfer the payment amount to the trading account of the settlement platform and feed back the payment settlement information to the settlement platform.
  • the settlement platform may forward the payment settlement information to the acquiring platform, and the acquiring platform transmits the received payment settlement information to the user management platform and the receiving terminal. Further, the user management platform can feed back the payment settlement information to the payment terminal.
  • the settlement platform may transmit a settlement request to the payment transaction server corresponding to the first payment account in response to the payment request, performed by the payment transaction server based on the settlement request from the settlement platform and the confirmation information from the payment terminal A payment transaction, the settlement request may include payment account information of the first payment account.
  • the confirmation information can include a payment transaction password for the first payment account. If the payment transaction password is correct, the payment transaction server executes the payment transaction, otherwise the failure notification message is fed back to the settlement platform and the payment terminal.
  • the payment transaction server sends an acknowledgment request to the payment terminal, and the payment terminal can transmit the acknowledgment information to the payment transaction server in response to the confirmation request.
  • the payment transaction server may transfer the payment amount to the trading account of the settlement platform and feed back the payment settlement information to the settlement platform.
  • the settlement platform may forward the payment settlement information to the acquiring platform, and the acquiring platform transmits the received payment settlement information to the receiving terminal.
  • FIG. 4 is a block diagram showing a payment system 400 in accordance with a third embodiment of the present invention.
  • the payment system 400 differs from the payment system 100 in that the user management platform 440 can be communicatively coupled to the settlement platform 450.
  • the user when the user needs to pay at the merchant's consumption, the user can send the identity information to the receiving terminal 420-n through the payment terminal 410 in the form of a transmission signal, for example, including the identity ID and the payment password.
  • encoding unit 112 may encode the identity information.
  • the encryption unit 114 may also encrypt the identity information and then encode the encrypted identity information by the encoding unit 112.
  • Signal transmitting unit 116 can transmit a transmission signal indicative of the encoded identity information.
  • the user may also select a payment account for payment from the plurality of bundled payment accounts.
  • the identity information may also be accompanied by an identifier indicating the payment account selected for payment, for example, the identifier may indicate the number of the payment account when it is bound.
  • the user can initiate the transmission of the identity information, the selection of the payment account, and the like by the payment software on the payment terminal 410.
  • the user can enter a payment password before initiating the payment function.
  • the payment software performs the payment operation after the initial verification of the payment password is passed.
  • the signal receiving unit 122 of the receiving terminal 420-n can receive and process the transmission signal sent by the payment terminal 410 to obtain identity information in the form of an electrical signal.
  • the receiving terminal 420-n can include a decoding unit to decode the electrical signal to recover the identity information.
  • the receiving terminal 420-n does not decode the electrical signal, but rather the POS unit 124 directly forwards the encoded identity information in the form of an electrical signal.
  • the account verification information of the payment account can be input as needed. The account verification information of the payment account is verified by the issuing authority of the payment account (for example, the payment transaction system) in the subsequent payment process.
  • the receiving terminal 420-n may include an input unit 126 such as a keyboard, a handwriting disk, a fingerprint recognition module, an iris recognition module, a voice recognition module, and the like.
  • the user can input account verification information such as a password, a signature, a fingerprint, an iris, a sound, and the like through the input unit 126.
  • the receiving terminal 420-n may upload the transaction information to the corresponding acquiring platform 430-n.
  • the transaction information can include the identity information.
  • the transaction information may also include the account verification information.
  • the receiving terminal 410 is generally bound to the merchant account, so the transaction information may also include information such as the merchant identification number and the payment amount.
  • the acquiring platform 430-n can implement the interaction between the receiving terminal 420-n and the settlement platform 450.
  • the receiving terminal 420-n can upload the transaction information to the acquiring platform 430-n through a dedicated line.
  • the acquiring platform 430-n can upload the identity information.
  • the acquiring platform 430-n can transmit a payment request, which can include the identity information.
  • the payment request may also include a payment amount and a merchant identification number.
  • the payment request may further include account verification information.
  • the settlement platform 450 can receive the payment request to obtain payment account information for the payment account for payment based on the identity information from the acquiring platform 430-n.
  • the settlement platform 450 can forward the identity information to the user management platform 440, which is verified by the user management platform 440.
  • the user management platform 440 can include a verification unit 142 to perform the verification.
  • the account of the user of payment terminal 410 and associated identity information eg, identity ID and payment password
  • the verification unit 142 may retrieve the identity ID received from the settlement platform 450 from the database 143. If the identity ID is not retrieved, the identity information is an illegal identity, and the verification fails; Upon the identity ID, the verification is successful.
  • the identity information further includes the payment password
  • the identity ID if the identity ID can be retrieved, the payment password associated with the identity ID is further obtained, and the payment password is compared with the payment password received from the settlement platform 450, if If the two are consistent, the verification is successful, otherwise the verification fails.
  • the identity information received by the user management platform 440 is encrypted and encoded.
  • the user management platform 440 can include a decoding unit 144 and a decryption unit 145.
  • Decoding unit 144 may first decode the identity information and then decrypt by decryption unit 145 to recover the identity information.
  • the user management platform 440 can retrieve the payment account information associated with the identity information associated with the payment account from the database 143 and transmit the payment account information for the payment account to the settlement platform 450.
  • the user management platform 440 can be associated with a plurality of financial institutions to store payment account information for payment accounts issued by the plurality of financial institutions.
  • the user sets a payment account that is defaulted for payment.
  • the user management platform 440 can directly retrieve the payment account information of the payment account defaulted for payment associated with the identity information in response to the verification success. .
  • the user does not set a default payment account, but instead selects a payment account for payment at the time of payment, as described above.
  • the user identity information may be accompanied by an identifier indicating the payment account for payment, such as the number when the payment account is bound.
  • the user management platform 440 can retrieve the payment account information for the payment account for payment based on the identifier.
  • the user management platform 440 can transmit the retrieved payment account information of the payment account to the settlement platform 450.
  • the payment account information for the payment account may be stored at the settlement platform 450.
  • the user management platform 440 does not store payment account information as described above, but instead stores account associated information, such as account index information, that can be used to obtain payment account information.
  • the user management platform 440 may send only the account associated information for obtaining the payment account information to the settlement platform 450.
  • the settlement platform 450 can find the payment account information of the payment account from its own database according to the account association information.
  • the user management platform 440 can transmit a verification failure message to the settlement platform 450. If the verification failure message is received, the settlement platform 450 may forward the verification failure message to the acquiring platform 430-n, and the latter feeds back to the receiving terminal 420-n to notify the merchant and the user that the payment has failed.
  • the settlement platform 450 can settle in response to obtaining payment account information for the payment account.
  • the settlement platform 450 can submit a settlement request to the corresponding payment transaction system 460-n based on the payment account information.
  • the settlement request may include payment account information and a payment amount.
  • the settlement request may further include account verification information.
  • the payment transaction system 460-n is a transaction system corresponding to the payment account for payment. For example, taking the payment account as a bank card issued by a bank, the payment transaction system correspondingly acts as a bank payment transaction system for the bank. Based on the different payment accounts, the settlement platform 450 can transmit settlement requests to different payment transaction systems.
  • the payment transaction system 460-n may deduct the payment account information from the corresponding payment account after verifying the payment account information. The amount paid. In instances where the settlement request includes account verification information, the payment transaction system 460-n may verify the legitimacy of the payment account information via the account verification information. Note that the payment transaction system 460-n does not directly transfer the deducted payment amount directly to the merchant account, but instead enters the settlement platform 450 in the transaction account set up by the bank. The settlement platform 450 will periodically settle with the merchant. Therefore, the settlement platform 450 receives the payment amount transferred by the payment transaction system 460-n and can be considered as a payment success. The payment transaction system 460-n may, after the transfer, feed back to the settlement platform 450 payment settlement information, such as a payment account number, a debit amount, and the like.
  • the settlement platform 450 can forward the payment settlement information to the acquiring platform 430-n, and the payment settlement information is further transmitted by the acquiring platform 430-n to the user management platform 440 and the receiving terminal 420-n.
  • the user management platform 440 can feed back the payment settlement information to the payment terminal 410.
  • the receiving terminal 420-n can print the payment settlement information.
  • the user can complete the transaction payment through the payment terminal 410.
  • FIG. 5 is a block diagram showing a payment system 500 in accordance with a fourth embodiment of the present invention.
  • the receiving terminal 520-n may be associated with a financial institution, and the different receiving terminals are affiliated with different financial institutions.
  • the acquiring platform 530-n may also be related to a financial institution, and different acquiring platforms belong to different financial institutions.
  • the payment transaction system 560-n is associated with financial institutions, and different payment transaction systems are affiliated with different financial institutions.
  • each user management platform 540-n is associated with a different financial institution.
  • Account information of a payment account issued by a financial institution associated therewith may be stored in each user management platform 540-n.
  • the receiving terminal 520-1 and the acquiring platform 530-1 are associated with the first financial institution, such as the first financial institution.
  • the corresponding user management platform 540-1 is also associated with the first financial institution.
  • the user management platform 540-1 can store the payment account information of the payment account issued by the first financial institution.
  • the receiving terminal 520-2, the acquiring platform 530-2, and the user management platform 540-2 may be associated with the second financial institution, and the user management platform 540-2 may store the issued by the second financial institution.
  • Payment account information for the payment account may be associated with the first financial institution.
  • the user management platform 440-n to which the identity information is forwarded may be a user management platform associated with the financial institution that issues the payment account. Where the payment account information or account associated information of the payment account issued by the financial institution is stored.
  • FIG. 6 is a block diagram showing a payment system 600 in accordance with a fifth embodiment of the present invention.
  • Payment system 600 is similar to payment system 400. The difference is that, in addition to the public user management platform 640, each receipt
  • the platform 230-n also has a user management platform 670-n that is only communicatively coupled to the acquiring platform.
  • the receiving terminal 220-n may be associated with a financial institution, and the different receiving terminals are affiliated with different financial institutions.
  • the acquiring platform 230-n may also be related to a financial institution, and different acquiring platforms belong to different financial institutions.
  • the payment transaction system 260-n is associated with financial institutions, and different payment transaction systems are affiliated with different financial institutions.
  • each user management platform 670-n is associated with a different financial institution.
  • Account information of a payment account issued by a financial institution associated therewith may be stored in each user management platform 670-n.
  • the receiving terminal 620-1 and the acquiring platform 630-1 are associated with the first financial institution, such as the first financial institution.
  • the corresponding user management platform 670-1 is also associated with the first financial institution.
  • the user management platform 670-1 can store the payment account information of the payment account issued by the first financial institution.
  • the receiving terminal 620-2, the acquiring platform 630-2, and the user management platform 670-2 may be associated with the second financial institution, and the user management platform 670-2 may store the issued by the second financial institution.
  • Payment account information for the payment account may be associated with the user management platform 670-n, the user management platform 640 can be associated with a plurality of financial institutions to store payment account information for payment accounts issued by the plurality of financial institutions.
  • the receiving terminal 620-2 is the receiving terminal of the second financial institution.
  • the payment account selected by the user for payment may be a payment account issued by the second financial institution (ie, an in-house payment), or may not be a payment account issued by the second financial institution (ie, an inter-agency payment).
  • the payment platform 630-2 can transmit the identity information to the settlement platform 650, which obtains the payment account information of the first payment account from the public user management platform 640.
  • the payment platform 630-2 may transmit a payment request to the settlement platform 650, which may include the identity information.
  • the determination may be made by the receiving terminal 620-2 or the acquiring platform 630-2 based on the financial institution identification information transmitted from the payment terminal 610 along with the identity information.
  • FIG. 7 is a flow chart showing a payment method 700 in accordance with another aspect of the present invention.
  • identity information is transmitted from the payment terminal to the receiving terminal in the form of a transmission signal.
  • the payment terminal may encode the identity information and transmit the encoded identity information to the receiving terminal in the form of a transmission signal, such as an optical signal.
  • a transmission signal such as an optical signal.
  • the payment terminal can first identify the identity The information is encrypted and then the encrypted identity information is encoded.
  • the receiving terminal receives and processes the transmission signal to obtain an electrical signal, thereby obtaining identity information in the form of an electrical signal.
  • the identity information can include an identity ID.
  • the identity information may also include a payment password.
  • transaction information is transmitted from the receiving terminal to the acquiring platform, and the transaction information may include the identity information.
  • the acquiring platform may transmit a payment request to the settlement platform, and the payment request may include the identity information. Additionally, the payment request may also include a merchant identification number and a payment amount.
  • a payment account for payment such as payment account information for the first payment account, is obtained by the settlement platform based on the identity information from the acquiring platform.
  • the settlement platform can forward the identity information to a first user management platform, and the first user management platform can verify the received identity information.
  • the identity information includes an identity ID.
  • the first user management platform may retrieve the received identity ID from its own database. If the identity ID is not retrieved, the identity information is an illegal identity, and the verification fails. If the identity ID can be retrieved, the verification is successful.
  • the first user management platform may further obtain a payment password associated with the identity ID, and compare the payment password with the received payment password, if both If they are consistent, the verification is successful, otherwise the verification fails.
  • the identity information received by the first user management platform is encrypted and encoded.
  • the first user management platform may first decode the identity information and then decrypt it to recover the identity information.
  • the first user management platform may transmit the payment account information of the first payment account to the settlement platform.
  • the user management platform may also transmit account association information for the payment account information for the settlement platform to find the payment account information.
  • the first payment account is a payment account that is defaulted for payment.
  • the first user management platform may directly retrieve the first default for payment associated with the identity information in response to the verification success.
  • Payment account information for the payment account is a payment account that is defaulted for payment.
  • the user does not set a default payment account, at which point the identity information may also be accompanied by an identifier indicating the first payment account.
  • the first user management platform may retrieve the payment account information of the first payment account associated with the identity information based on the identifier.
  • the first user management platform may transmit a verification failure message to the settlement platform.
  • the settlement platform may forward the verification failure message to the acquiring platform and feed back to the receiving terminal.
  • the first user management platform may be associated with a first financial institution that issues the first payment account, wherein the first user management platform stores payment account information of a payment account issued by the first financial institution.
  • the first user management platform is associated with a plurality of financial institutions including a first financial institution that issues the first payment account, wherein the first user management platform stores the payment issued by the plurality of financial institutions. Payment account information for the account.
  • the acquiring platform can also be communicatively coupled to a second user management platform, wherein the acquiring platform and the second user management platform are associated with a second financial institution, wherein the second user management platform is The payment account information of the payment account issued by the second financial institution is stored.
  • the payment platform in response to determining that the first payment account is not a payment account issued by the second financial institution, transmits a payment request to the settlement platform, the payment request including the identity information.
  • step 708 settlement is performed by the settlement platform in response to obtaining the payment account information for the first payment account.
  • the settlement platform may transmit a settlement request to a payment transaction system corresponding to the first payment account, the settlement request may include payment account information of the first payment account.
  • the settlement request may also include a payment amount.
  • the payment transaction system can transfer the payment amount to the trading account of the settlement platform and feed back the payment settlement information to the settlement platform.
  • the settlement platform may forward the payment settlement information to the acquiring platform, and the acquiring platform transmits the received payment settlement information to the receiving terminal.
  • FIG. 8 is a block diagram showing a payment system in accordance with a sixth embodiment of the present invention.
  • Payment system 800 can include payment terminal 110.
  • payment terminal 110 can be any suitable portable terminal including signal transmitting unit 116, such as a cellular telephone, a satellite telephone, a cordless telephone, a personal digital assistant (PDA), a handheld device with wireless connectivity, computing Device, or other processing device connected to a wireless modem, and so on.
  • the payment terminal 110 can communicate with the signal transmitting unit 116 with other devices having signal receiving capabilities.
  • the signal transmitting unit 116 may be a light emitting unit, a sound wave unit, an infrared unit, a WiFi unit, a radio frequency unit, or the like.
  • the payment terminal 110 may be referred to as a photonic payment terminal, so that the light emitting unit 116 can perform optical communication with other devices having optical communication capabilities.
  • the light emitting unit 116 can convey a meaningful signal with a regular high frequency flashing illumination using, for example, a light emitting diode (LED).
  • LED light emitting diode
  • Payment system 800 can include a user management platform 140 to enable management of user information.
  • Payment terminal 110 can access user management platform 140 via a wireless communication system.
  • the wireless communication system herein may be, for example, CDMA, TDMA, FDMA, OFDMA, SC-FDMA, and other systems.
  • a CDMA system can implement radio technologies such as Universal Terrestrial Radio Access (UTRA), cdma2000, and the like.
  • UTRA includes Wideband CDMA (W-CDMA) and other CDMA variants.
  • cdma2000 covers the IS-2000, IS-95, and IS-856 standards.
  • a TDMA system can implement a radio technology such as the Global System for Mobile Communications (GSM).
  • An OFDMA system can implement such as Evolved UTRA (E-UTRA), Ultra Mobile Broadband (UMB), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, Radio technology such as the same.
  • E-UTRA Evolved UTRA
  • the user can request registration from the user management platform 140 through the payment terminal 110.
  • the user management platform 140 can include a registration unit 141 for registering an account.
  • the registration unit 141 may register an account for the payment terminal 110 and assign a payment identity information to the account, for example, may include a payment ID.
  • the payment ID can be stored at the user management platform 140, such as in the database 143 of the user management platform 140.
  • the payment terminal 110 is a photonic payment terminal
  • the account may be referred to as a light account
  • the identity information may be referred to as photon identity information
  • the identity ID may be referred to as an optical ID.
  • the user After registering the account, the user can set a corresponding login password and can log in to the account using the payment terminal 110. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • a request to bind the payment account to the account and the payment ID can be submitted.
  • the user can bind multiple payment accounts to the account and payment ID.
  • the payment account here can be a prepaid card, a card, and the like.
  • the user can submit the payment account verification information of the payment account, such as the card number, the bank or card issuer, the cardholder name, the ID number, the mobile phone number, etc. to the user management platform 140.
  • the user management platform 140 may send the payment account verification information submitted by the user directly or indirectly to the payment account issuing authority, such as the transaction server 850, for verification, such as a payment account bank, by the following description of the settlement platform 830 or the like.
  • the user management platform 140 may submit the information packaged by the user to the settlement platform 830 according to the specified interface and the communication protocol, and receive feedback prompts from the payment account issuing institution, such as a prepaid card issuing institution, a city card issuing institution, and the like.
  • the payment account can be either money or points, such as member points.
  • the registration unit 141 can bind the account to the payment account, for example, associate the payment ID corresponding to the account with the payment account. Users can bind multiple payment accounts to the account, the same You can set the default payment account or choose the corresponding payment account to pay when you pay.
  • the payment identity information may also include an identity code (also referred to as a payment password) for verification of the payment identity information.
  • the payment password can be set by the registration unit 141 in response to the user's selection. Meanwhile, when the user forgets the payment password, the payment password can be retrieved or reset by the payment account association information or the personally associated identity information.
  • the payment password may include a numeric password, a gesture password, fingerprint information, and the like.
  • the account, the corresponding payment ID, the payment password, and the payment account information of the bundled at least one payment account may be stored in the database 143. In an example, multiple payment accounts bound to a particular account and payment ID may be numbered 1 through N, which are stored in association with the account, payment ID, and payment password, as shown in Table 2 Shown.
  • the payment terminal 110 can implement the registration request, the password setting, and the binding operation of the payment account of the above account through corresponding payment software.
  • the payment software can be installed on the payment terminal 110.
  • the user can open the payment software on the payment terminal 110, through which the account registration, management, and binding of the payment account, the setting of the default payment account, and the binding of the payment account are released.
  • Payment system 800 can also include receiving terminal 120.
  • the receiving terminal 120 may be a simple receiving device with a signal receiving function installed at a merchant, or may be a POS (Point of Sales) machine having a function of receiving signals and placing a password, inputting a password, and the like. Although only one receiving terminal 120 is shown in FIG. 8, those skilled in the art understand that a plurality of receiving terminals may be included.
  • the receiving terminal 120 may be associated with a payment account issuing authority, and the different receiving terminals are affiliated with different payment account issuing organizations. For example, the first receiving terminal is affiliated with the first payment account issuing authority, the second receiving terminal is affiliated with the second payment account issuing authority, and the like. These payment account issuers issue their own payment accounts.
  • the receiving terminal 120 may be an all-in-one POS machine including a signal receiving unit. Alternatively, the receiving terminal may also be a conventional POS machine connected to a single signal receiving module. For example, the conventional POS machine can communicate with the signal receiving module via a communication interface, such as an RS232, USB interface, or with the signal receiving module via a wireless network.
  • the receiving terminal 120 may include a signal receiving unit 122 and a POS unit 124 that performs a conventional POS function.
  • the payment terminal 110 is a photonic payment terminal
  • the receiving terminal 120 The signal receiving unit 122 is a light receiving unit. At this time, the receiving terminal 120 may also be referred to as a photon receiving end.
  • the receiving terminal 120 can implement communication with the payment terminal 110 through the signal receiving unit 122.
  • the payment terminal 110 can include an encoding unit 112 that can generally encode communication data to be communicated.
  • the communication data may be any information data that the payment terminal 110 is to communicate to the receiving terminal 120, such as payment identity information.
  • the encoding unit 112 may encode communication data to be communicated, for example, photon identity information.
  • Common codes can include RZ pulse count coding.
  • Common encodings may also include PPM encoding.
  • the payment terminal 110 may further include an encryption unit 114.
  • the encryption unit 114 may first encrypt the communication data, and then perform the above encoding on the encrypted communication data by the encoding unit 112.
  • the signal transmitting unit 116 can transmit it, for example, in the form of a transmission signal.
  • the signal transmitting unit 116 is a light emitting unit
  • the light emitting unit 116 may transmit the received encoded signal as visible light, for example, by indicating a high level signal with light and a low level with no light. .
  • the signal receiving unit 122 of the receiving terminal 120 can be configured to receive and process the transmitted signal transmitted by the signal transmitting unit 116 to obtain an electrical signal, such as to obtain communication data in the form of an electrical signal.
  • the signal receiving unit 122 can perform processing such as converting, amplifying, filtering, etc. on the received transmission signal.
  • the light receiving unit 122 of the photon receiving end 120 can be configured to receive the visible light signal emitted by the light emitting unit 116 and convert the visible light signal into an electrical signal, for example, To obtain communication data in the form of electrical signals.
  • the light receiving unit 122 may include a photosensitive device such as a photodiode, a phototransistor, or the like.
  • the electrical pulse signal is formed by photoelectric conversion using the characteristics of the electrical signal and the optical signal of the photosensitive device.
  • the relative positions of the photon payment terminal 110 and the photon receiving end 120 are different, that is, the optical signal intensity transmitted by each photon payment terminal 110 to the photon receiving end 120 is different, so the electric signal strength is also different. Therefore, it is necessary to rectify the current formed by the photodiode.
  • the photoelectric conversion circuit adjusts the output voltage level to a high level; when the current value through the photodiode is lower than a certain threshold, the photoelectric conversion Circuit Adjust the output voltage level to a low level.
  • the threshold value is set according to different environments through a mathematical model. If the distance is long, the threshold value may decrease; the distance near threshold may be relatively increased. Through the above process, the level can be adjusted to a certain range to ensure the correct pulse shape to ensure the accuracy of sampling as much as possible.
  • the user may send the payment identity information to the receiving terminal 120 through the payment terminal 110 in the form of a transmission signal, such as an optical signal, for example, including a payment ID and a payment password.
  • a transmission signal such as an optical signal, for example, including a payment ID and a payment password.
  • encoding unit 112 may encode payment identity information.
  • the encryption unit 114 may also encrypt the payment identity information, and then encode the encrypted payment identity information by the encoding unit 112.
  • Signal transmitting unit 116 may transmit a transmission signal indicating the encoded payment identity information.
  • the user may also select a payment account for payment from among the plurality of bundled payment accounts.
  • the payment identity information may also be accompanied by an identifier indicating the payment account selected for payment, for example, the identifier may indicate the number of the payment account when it is bound.
  • the user can initiate the transmission of the payment identity information, the selection of the payment account, and the like by the payment software on the payment terminal 110.
  • the user can enter a payment password before initiating the payment function.
  • the payment software performs the payment operation after the initial verification of the payment password is passed.
  • the signal receiving unit 122 of the receiving terminal 120 can receive and process the transmission signal sent by the payment terminal 110 to obtain payment identity information in the form of an electrical signal.
  • receiving terminal 120 can include a decoding unit to decode the electrical signal to recover payment identity information.
  • the receiving terminal 120 does not decode the electrical signal, but rather the POS unit 124 directly forwards the encoded payment identity information in the form of an electrical signal.
  • the account verification information of the payment account can be input as needed. The account verification information of the payment account is verified by the issuing authority of the payment account (for example, the transaction server) in the subsequent payment process.
  • the receiving terminal 120 may include an input unit 126 such as a keyboard, a handwriting disk, a fingerprint recognition module, an iris recognition module, a voice recognition module, and the like.
  • the user can input account verification information such as a password, a signature, a fingerprint, an iris, a sound, and the like through the input unit 126.
  • the receiving terminal 120 may upload a transaction request to the settlement platform 830, and the transaction request may include the payment identity information.
  • the transaction request may also include account verification information.
  • the receiving terminal 110 is generally bound to the merchant account, so the transaction request may also include information such as the merchant identification number and the payment amount.
  • the payment system 800 can also include a settlement platform 830 to implement the receiving terminal 120 and the user management platform.
  • the receiving terminal 120 can upload the transaction request to the settlement platform 830 through a dedicated line.
  • the settlement platform 830 may perform settlement based on the verification of the payment identity information.
  • the settlement platform 830 can forward the payment identity information to the user management platform 140, which is verified by the user management platform 140.
  • the user management platform 140 can include a verification unit 142 to perform the verification.
  • the account of the user of payment terminal 110 and associated payment identity information eg, payment ID and payment password
  • the verification unit 142 may retrieve the payment ID received from the settlement platform 830 from the database 143, and if the payment ID is not retrieved, the payment identity information is an illegal identity, and the verification fails; If the payment ID is retrieved, the verification is successful.
  • the payment identity information further includes a payment password
  • the payment password associated with the payment ID is further acquired, and the payment password is compared with the payment password received from the settlement platform 830. If the two are consistent, the verification is successful, otherwise the verification fails.
  • the payment identity information received by the user management platform 140 is encrypted and encoded.
  • the user management platform 140 can include a decoding unit 144 and a decryption unit 145.
  • the decoding unit 144 may first decode the payment identity information and then decrypt it by the decryption unit 145 to recover the payment identity information.
  • the user management platform 140 may retrieve the payment account information of the payment account associated with the payment identity information associated with the payment identity information from the database 143 and transmit the payment account information for the payment account to the settlement platform 830. .
  • the user management platform 140 can be associated with a plurality of payment account issuers to store payment account information for payment accounts issued by the plurality of payment account issuers.
  • the user sets a payment account that is defaulted for payment.
  • the user management platform 140 can directly retrieve the payment account of the payment account defaulted for payment associated with the payment identity information in response to the verification success. information.
  • the user does not set a default payment account, but instead selects a payment account for payment at the time of payment, as described above.
  • the user payment identity information may be accompanied by an identifier indicating the payment account for payment, such as the number when the payment account is bound.
  • the user management platform 140 can retrieve the payment account information of the payment account for payment based on the identifier.
  • the user management platform 140 can transmit the retrieved payment account information of the payment account to the settlement platform 830.
  • the payment account information for the payment account may be stored at the settlement platform 830.
  • the user management platform 140 does not store payment account information as described above, but instead stores account associated information, such as account index information, that can be used to obtain payment account information. at this time, The user management platform 140 may send only the account associated information for obtaining payment account information to the settlement platform 830.
  • the settlement platform 830 can find the payment account information of the payment account from its own database according to the account association information.
  • the user management platform 140 may transmit a verification failure message to the settlement platform 830.
  • the settlement platform 830 can perform the settlement.
  • the settlement platform 830 can send a settlement request to the corresponding transaction server 850, which can include the payment account information for the payment account.
  • the payment request may also include a payment amount and a merchant identification number.
  • the settlement request may further include account verification information.
  • the settlement platform 830 can transmit the settlement request to the transaction server 850 corresponding to the payment account. For example, taking the prepaid card issued by the payment account for a commercial institution as an example, the transaction server 850 is correspondingly the transaction server of the commercial institution. The settlement platform 830 can transmit settlement requests to different transaction servers 850 based on payment accounts issued by different agencies.
  • the settlement platform 830 may forward the verification failure message to the receiving terminal 120 to notify the merchant and the user that the payment has failed.
  • the transaction server 850 may debit the corresponding payment account according to the payment amount, and transfer the deducted money to the transaction account of the settlement platform 830.
  • the transaction server 850 can verify the validity of the payment account information by the account verification information. Note that the transaction server 850 does not directly directly transfer the deducted payment amount to the merchant account, but instead enters the settlement platform 830 in the transaction account set up by the bank. The billing platform 830 will periodically settle with the merchant. Therefore, the settlement platform 830 receives the payment amount transferred by the transaction server 850 and can be considered as a payment success.
  • the transaction server 850 can feed back payment settlement information, such as a payment account number, a debit amount, and the like, to the settlement platform 830 after the transfer.
  • the settlement platform 830 can forward the payment settlement information to the receiving terminal 120.
  • the user can complete the transaction payment through the payment terminal 110.
  • the user can complete the payment by, for example, a mobile phone with a signal transmitting function without carrying a variety of payment cards of various names.
  • a mobile phone with a signal transmitting function without carrying a variety of payment cards of various names.
  • some payment cards do not have an account password, if the loss is easily stolen, in the present invention, by binding the payment account and the account and setting the payment password, the payment account can be effectively prevented from being stolen.
  • the user even if some payment accounts have a payment account password, in order to prevent the payment account from being lost, the user often needs to modify the payment account password. At this time, the user needs to log in to the webpage of the merchant who issued the payment account, and then register and then modify the payment account password, which is very cumbersome.
  • the user only needs to bind the payment account to the account after being verified by the card issuing institution once. Thereafter, when the payment account is used, it is possible to pass the verification and make the corresponding payment as long as the unified payment password set by the user for the account. Users no longer need to modify the payment account password for each payment account, just remember to pay the password.
  • account information for payment accounts can be easily stolen compared to traditional offline credit card payments.
  • the POS side does not pay the account information of the account, so the security is significantly improved.
  • FIG. 9 is a flow chart showing a payment method 900 in accordance with an aspect of the present invention.
  • step 902 payment identity information is transmitted from the payment terminal to the receiving terminal in the form of a transmission signal.
  • the payment terminal may encode the payment identity information and transmit the encoded payment identity information to the receiving terminal in the form of a transmission signal.
  • the payment terminal may encrypt the payment identity information and then encode the encrypted payment identity information.
  • the receiving terminal receives and processes the transmission signal to obtain an electrical signal, thereby obtaining payment identity information in the form of an electrical signal.
  • the payment identity information can include a payment ID.
  • the payment identity information may also include a payment password.
  • a transaction request is sent from the receiving terminal to the settlement platform, the transaction request including the payment identity information.
  • the transaction request may also include account verification information.
  • the receiving terminal is generally bound to the merchant account, so the transaction request may also include information such as the merchant identification number and the payment amount.
  • the settlement platform may perform settlement based on the verification of the payment identity information.
  • the settlement platform may forward the payment identity information to a user management platform, and the user management platform may verify the received payment identity information.
  • the payment identity information includes a payment ID.
  • the user management platform may retrieve the received payment ID from its own database. If the payment ID is not retrieved, the payment identity information is an illegal identity, and the verification fails. If the payment ID can be retrieved, the verification is successful.
  • the user management platform may further obtain the payment password associated with the payment ID, and compare the payment password with the received payment password. The verification is successful, otherwise the verification fails.
  • the payment identity information received by the user management platform is encrypted and encoded.
  • the user management platform may first decode the payment identity information and then decrypt it to recover the payment identity information.
  • the user management platform may transmit a payment account for payment, such as payment account information for the first payment account, to the settlement platform.
  • the user management platform may also transmit account association information for the payment account information for the settlement platform to find the payment account information.
  • the first payment account is a payment account defaulted for payment, and at this time, the user management platform can directly retrieve the default payment for payment corresponding to the payment identity information in response to the verification success.
  • Payment account information for the account is a payment account defaulted for payment, and at this time, the user management platform can directly retrieve the default payment for payment corresponding to the payment identity information in response to the verification success.
  • Payment account information for the account In another example, the user does not set a default payment account, at which point the payment identity information may also be accompanied by an identifier indicating the first payment account.
  • the user management platform may retrieve the payment account information of the first payment account associated with the payment identity information based on the identifier.
  • the settlement platform may perform settlement.
  • the user management platform may transmit a verification failure message to the settlement platform.
  • the settlement platform may forward the verification failure message to the receiving terminal.
  • the settlement platform may transmit a settlement request to a transaction server corresponding to the first payment account, the settlement request may include payment account information of the first payment account.
  • the settlement request may also include a payment amount.
  • the transaction server may debit the first payment account according to the payment amount and transfer the deducted money to the transaction account of the settlement platform, and feed back the payment settlement information to the settlement platform.
  • the settlement platform may forward the payment settlement information to the receiving terminal.
  • DSP digital signal processor
  • ASIC application specific integrated circuit
  • FPGA field programmable gate array
  • a general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine.
  • the processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other such configuration.
  • a software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
  • An exemplary storage medium is coupled to the processor to enable the processor to read and write information to/from the storage medium.
  • the storage medium can be integrated into the processor.
  • the processor and the storage medium can reside in an ASIC.
  • the ASIC can reside in the user terminal.
  • the processor and the storage medium may reside as a discrete component in the user terminal.
  • the functions described may be implemented in hardware, software, firmware, or any combination thereof. If implemented as a computer program product in software, the functions may be stored on or transmitted as one or more instructions or code on a computer readable medium.
  • Computer readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another.
  • a storage medium may be any available media that can be accessed by a computer.
  • such computer readable media may comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage, disk storage or other magnetic storage device, or can be used to carry or store instructions or data structures. Any other medium that is desirable for program code and that can be accessed by a computer.
  • any connection is also properly referred to as a computer readable medium.
  • the software is transmitted from a web site, server, or other remote source using coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or wireless technologies such as infrared, radio, and microwave.
  • the coaxial cable, fiber optic cable, twisted pair cable, DSL, or wireless technologies such as infrared, radio, and microwave are included in the definition of the medium.
  • Disks and discs as used herein include compact discs (CDs), laser discs, optical discs, digital versatile discs (DVDs), floppy discs, and Blu-ray discs, in which disks are often reproduced magnetically. Data, and discs optically reproduce data with a laser. Combinations of the above should also be included within the scope of computer readable media.

Abstract

一种支付方法，包括：支付终端以传输信号的形式向接收终端发送身份信息（302）；所述接收终端向收单平台发送交易信息，所述交易信息包括所述身份信息（304）；所述收单平台基于所述身份信息获得用于支付的第一支付账户的支付账户信息，并向结算平台发送支付请求（306）；以及所述结算平台响应所述支付请求进行结算，所述支付请求包括所述第一支付账户的所述支付账户信息（308）。

Description

支付方法及支付系统 技术领域
本发明涉及支付技术，尤其涉及一种支付方法及系统。
背景技术
目前，消费者在作交易支付时可通过支付账户(例如，信用卡或借记卡或第三方支付账户、商家发行的预付费卡、一卡通等)在POS端上刷卡结算。这种传统的“刷卡式”支付方法虽然可以让消费者避免随身携带大量现金，但是消费者仍然必需携带或记住支付账户以进行刷卡支付，这使得交易支付受到限制。随着移动通信技术的普及，人们往往都会随身携带移动终端。移动终端的多媒体功能已经是标准配备，例如很多移动终端都具有信号发射功能。因此，如果能够利用移动终端实现交易支付将是极其便捷的。
可见光通信技术是一种在LED技术上发展起来的新型无线光通信技术。通过LED光源的高频率闪烁来进行通信，有光代表1，无光代表0，可见光通信的传输速率最高达每秒千兆。可见光通信有着相当丰富的频谱资源，这是包括微波通信在内的一般无线通信无法比拟的。同时，可见光通信可以适用任何通信协议、适用于任何环境，并且可见光通信的设备架设灵活便捷、成本低廉，适合大规模普及应用。可见光通信系统利用可见光进行近距离通信，可见光的指向性高，不能穿透障碍物，比使用无线通信方式具有更高的安全性。在移动终端具有闪光灯功能的情况下，如果能够利用移动终端的可见光通信实现交易支付将是极其便捷的。
发明内容
以下给出一个或多个方面的简要概述以提供对这些方面的基本理解。此概述不是所有构想到的方面的详尽综览，并且既非旨在指认出所有方面的关键性或决定性要素亦非试图界定任何或所有方面的范围。其唯一的目的是要以简化形式给出一个或多个方面的一些概念以为稍后给出的更加详细的描述之序。
根据本发明的一方面，提供了一种支付方法，包括：支付终端以传输信号的形式向接收终端发送身份信息；该接收终端向收单平台发送交易信息，该交易信息包括该身份信息；该收单平台基于该身份信息获得用于支付的第一支付账户的 支付账户信息，并向结算平台发送支付请求；以及该结算平台响应该支付请求进行结算，该支付请求包括该第一支付账户的该支付账户信息。
根据本发明的另一方面，提供了一种支付方法，包括：支付终端以传输信号的形式向接收终端发送身份信息；该接收终端向收单平台发送交易信息，该交易信息包括该身份信息；结算平台基于来自该收单平台的该身份信息获得用于支付的第一支付账户的支付账户信息；以及该结算平台响应于获得该第一支付账户的该支付账户信息进行结算。
根据本发明的另一方面，提供了一种支付系统，包括：支付终端，该支付终端用于以传输信号的形式发送身份信息；接收终端，该接收终端用于接收该身份信息并发送交易信息，该交易信息包括该身份信息；收单平台，该收单平台用于接收该交易信息并基于该身份信息获得用于支付的第一支付账户的支付账户信息，并发送支付请求；以及结算平台，该结算平台用于响应于收到该支付请求进行结算，该支付请求包括该第一支付账户的该支付账户信息。
根据本发明另一方面，提供了一种支付系统，包括：支付终端，该支付终端用于以传输信号的形式发送身份信息；接收终端，该接收终端用于接收该身份信息并发送交易信息，该交易信息包括该身份信息；收单平台，该收单平台用于上传接收自该接收终端的该身份信息；以及结算平台，该结算平台用于基于来自该收单平台的该身份信息获得用于支付的第一支付账户的支付账户信息并响应于获得该第一支付账户的该支付账户信息进行结算。
根据本发明的另一方面，提供了一种支付方法，包括：支付终端以传输信号的形式向接收终端发送支付身份信息；该接收终端向结算平台发送交易请求，该交易请求包括该支付身份信息；以及该结算平台基于对该支付身份信息的验证执行结算。
根据本发明的另一方面，提供了一种支付系统，包括：支付终端，该支付终端用于以传输信号的形式发送支付身份信息；接收终端，该接收终端用于接收该支付身份信息并发送交易请求，该交易请求包括该支付身份信息；以及结算平台，该结算平台用于接收该交易请求并且基于对该支付身份信息的验证执行结算。
附图说明
在结合以下附图阅读本公开的实施例的详细描述之后，能够更好地理解本发明的上述特征和优点。在附图中，各组件不一定是按比例绘制，并且具有类似的 相关特性或特征的组件可能具有相同或相近的附图标记。
图1a是示出了根据本发明的第一实施例的支付系统的框图；
图1b是示出了根据本发明的一方面的支付终端的框图；
图1c是示出了根据本发明的一方面的接收终端的框图；
图1d是示出了根据本发明的一方面的用户管理平台的框图；
图2是示出了根据本发明的第二实施例的支付系统的框图；
图3是示出了根据本发明的一方面的支付方法的流程图。
图4是示出了根据本发明的第三实施例的支付系统的框图；
图5是示出了根据本发明的第四实施例的支付系统的框图；
图6是示出了根据本发明的第五实施例的支付系统的框图；
图7是示出了根据本发明的另一方面的支付方法的流程图；
图8是示出了根据本发明的第六实施例的支付系统的框图；以及
图9是示出了根据本发明的再一方面的支付方法的流程图。
具体实施方式
以下结合附图和具体实施例对本发明作详细描述。注意，以下结合附图和具体实施例描述的诸方面仅是示例性的，而不应被理解为对本发明的保护范围进行任何限制。
图1a是示出了根据本发明的第一实施例的支付系统100的框图。支付系统100可包括支付终端110。如图1b所示，支付终端110可以是包括信号发射单元116的任何合适的便携式终端，例如蜂窝电话、卫星电话、无绳电话、个人数字助理(PDA)、具有无线连接能力的手持式设备、计算设备、或连接到无线调制解调器的其他处理设备等。支付终端110可利信号发射单元116与其他具有信号接收能力的设备进行通信。例如，信号发射单元116可以是可见光发射单元、声波单元、红外单元、WiFi单元、射频单元等。在发射单元116为可见光发射单元的情况下，支付终端110可被称为光子支付终端，从而可利用可见光发射单元116与其他具有光通信能力的设备进行光通信。例如，通过以有光代表高电平，无光代表低电平，光发射单元116可利用例如发光二极管(LED)以一定规律高频闪烁发光来传达有意义的信号。
支付系统100可包括用户管理平台140，以实现用户信息的管理。支付终端110可通过无线通信系统访问用户管理平台140。这里的无线通信系统可以是诸如 CDMA、TDMA、FDMA、OFDMA、SC-FDMA和其他系统。CDMA系统可实现诸如通用地面无线电接入(UTRA)、cdma2000等无线电技术。UTRA包括宽带CDMA(W-CDMA)和其他CDMA变体。此外，cdma2000涵盖IS-2000、IS-95和IS-856标准。TDMA系统可实现诸如全球移动通信系统(GSM)等无线电技术。OFDMA系统可实现诸如演进型UTRA(E-UTRA)、超移动宽带(UMB)、IEEE802.11(Wi-Fi)、IEEE 802.16(WiMAX)、IEEE 802.20、
Figure PCTCN2015082854-appb-000001
等之类的无线电技术。
用户可通过支付终端110向用户管理平台140请求注册。如图1d所示，用户管理平台140可包括注册单元141以用于注册账户。响应于支付终端110的注册请求，注册单元141可为支付终端110注册一账户，并且为该账户分配一个身份信息，例如可包括身份ID。该身份ID可以存储于用户管理平台140处，例如存储在用户管理平台140的数据库143中。在支付终端110为光子支付终端的情况下，该账户可称之为光账户，该身份信息可称之为光子身份信息，相应地该身份ID可称之为光ID。
注册账户后，用户可设置相应的登录密码，并可使用支付终端110登录该账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
用户登录该账户后，可以提交将支付账户与该账户和身份ID绑定的请求。用户可以将多个支付账户与该账户和身份ID进行绑定。这里的支付账户可以是银行卡、第三方支付账户、预付卡、信用卡等等。用户可提交支付账户的支付账户验证信息，例如卡号、开户行或发卡商、持卡人姓名、身份证号、手机号等到用户管理平台140。用户管理平台140可将用户提交的支付账户验证信息直接地或者通过下文描述的收单平台130或结算平台150等间接地发送至支付账户发放机构，例如支付交易系统(也可称为支付交易服务器)160，支付账户发放机构诸如有支付账户银行、第三方支付机构、信用卡发放机构、预付卡发放机构、城市一卡通发放机构等进行验证。例如，用户管理平台140可将用户打包的信息按照指定接口与通信协议将信息提交到该支付账户所对应的收单平台，例如收单平台130-n，该收单平台130-n根据支付交易系统提供的接口与通信协议将信息上报结算平台150，并接收支付账户发放机构例如银行、第三方支付机构、预付卡发放机构、城市一卡通发放机构等反馈的验证提示。
若验证成功，则注册单元141可将该账户与该支付账户相绑定，例如将该账 户对应的身份ID与该支付账户相关联。用户可以为该账户绑定多个支付账户，同时可以设置默认的支付账户，或者在支付时选择相应的支付账户进行支付。
较优地，身份信息还可包括身份密码(可以称为支付密码)以作身份信息的验证之用。该支付密码可由注册单元141响应于用户的选择来设置。同时，当用户忘记该支付密码时，可通过支付账户关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码、手势密码、指纹信息等。该账户、对应的身份ID、支付密码、以及绑定的至少一张支付账户的支付账户信息可被存储在数据库143中。在一实例中，与特定账户和身份ID绑定的多张支付账户可被编号为1至N，这多张支付账户与该账户、身份ID以及支付密码被关联地存储在一起，如表1所示。
Figure PCTCN2015082854-appb-000002
表1
支付终端110可以通过相应的支付软件来实现上述账户的注册请求、密码设置、支付账户的绑定操作。该支付软件可以安装在支付终端110上。例如，用户可以在支付终端110上打开该支付软件，通过该支付软件进行账户的注册、管理，以及支付账户的绑定、默认支付账户的设定、以及支付账户的绑定解除等等。
支付系统100还可包括接收终端120-n(n＝1,2,…N)，合起来统称为接收终端120。接收终端120-n可以是设置在商户处的具有通信功能的简单的接收设备，也可以是具有通信功能和打单、输入密码等功能的POS(Point of Sales)机或计算机。接收终端120-n可以是与金融机构相关的，不同的接收终端隶属于不同的金融机构。例如，接收终端120-1隶属于第一金融机构，接收终端120-2隶属于第二金融机构等等。这些金融机构发放各自的支付账户。
与收单平台120-n相对应的是收单平台130-n。类似于接收终端，收单平台130-n也可以是与金融机构相关的，不同的收单平台隶属于不同的金融机构。例如，收单平台130-1隶属于第一金融机构，收单平台130-2隶属于第二金融机构等等。收单平台130-n与一公共的用户管理平台140通信地耦合。
支付系统100还可包括相对应的支付交易系统160-n。类似地，支付交易系统160-n是与金融机构相关的，不同的支付交易系统隶属于不同的金融机构。例 如，支付交易系统160-1隶属于第一金融机构，支付交易系统160-2隶属于第二金融机构等等。
接收终端120-n可以是包括信号接收单元的一体式POS机。或者，接收终端也可以是与一单立的信号接收模块相连接的常规POS机。例如，该常规POS机可通过通信接口，诸如RS232、USB接口，与该信号接收模块通信，或者通过无线网络与该信号接收模块通信。下文以一体式POS机架构为例对接收终端进行描述，如图1c所示。接收终端120可包括信号接收单元122和执行常规POS功能的POS单元124。在支付终端110为光子支付终端的情况下，相应地，该接收终端120的信号接收单元122为光接收单元。此时，此接收终端120也可被称为光子接收端。
接收终端120-n可通过信号接收单元122与支付终端110实现通信。支付终端110可包括编码单元112，一般地，编码单元112可对要传达的通信数据进行编码。通信数据可以是支付终端110要传达给接收终端120-n的任何信息数据，例如，身份信息。在支付终端110为光子支付终端以及接收终端120为光子接收端的情况下，编码单元112可对要传达的通信数据例如，光子身份信息进行编码。常见的编码可包括RZ脉冲计数编码。RZ脉冲计数编码是将原始信息以n个比特为一组，相邻两组信号之间设有组间时间间隔，每组内以脉冲的个数表示该组信号中的n个比特的信息。例如当n＝2，即以两个比特为一组时，分别用1、2、3和4个脉冲代表00、01、10和11。常见的编码还可包括PPM编码。
较优地，支付终端110还可包括加密单元114。加密单元114可先对通信数据进行加密，然后再由编码单元112对经加密的通信数据进行上述编码。
在对通信数据进行编码后，信号发射单元116可以例如通过传输信号的形式发送出去。在信号发射单元116为光发射单元的情况下，光发射单元116可以例如通过以发光表示高电平信号、而以不发光表示低电平来将接收到的经编码信号以可见光的形式发送出去。
接收终端120-n的信号接收单元122可用于接收并处理信号发射单元116发射的传输信号以获得电信号，例如以获得电信号形式的通信数据。在一实例中，信号接收单元122可对收到的传输信号进行转换、放大、滤波等处理。在支付终端110为光子支付终端以及接收终端120为光子接收端的情况下，光子接收端120-n的光接收单元122可用于接收光发射单元116发射的可见光信号、并将可见光信号转换为电信号，例如以获得电信号形式的通信数据。例如，对于LED灯 产生的高频率闪烁，有光可代表高电平，无光可代表低电平，或反之，从而可将接收的可见光信号转换为数字信号。光接收单元122可包括光敏器件，例如光电二极管、光电三极管等。利用光敏器件的电信号与光信号的特性，通过光电转换将形成电脉冲信号。实践中由于光子支付终端110与光子接收端120-n的相对位置不一样，即每个光子支付终端110发射到光子接收端120-n的光信号强度是不一样的，所以其电信号强弱也是不一样的，所以需要对光电二极管所形成的电流进行整流比较。如当二极管通过的电流值高于某一定门限值时，光电转换电路将输出的电压电平值调整为高电平；当通过光电二极管的电流值低于某一门限值时，光电转换电路将输出的电压电平值调整为低电平。该门限值的设定是通过一个数学模型根据不同的环境来设定的，如距离较远时，门限值可能会降低；距离近时门限值可能会相对升高。通过以上过程，可以将电平调整到一定范围内，以此保证正确的脉冲形状，以尽可能保证采样的准确性。
当用户在商户消费需要付款时，用户可通过支付终端110以传输信号，例如光信号的形式向接收终端120-n发送身份信息，例如包括身份ID和支付密码。具体地，编码单元112可对身份信息进行编码。较优地，加密单元114还可先对身份信息进行加密，然后再由编码单元112对经加密的身份信息进行编码。信号发射单元116可发送指示该经编码的身份信息的传输信号。
在用户为该身份信息绑定了多个支付账户且未设置默认用于支付的支付账户的情形中，用户还可从所绑定的这多张支付账户中选择用于支付的支付账户。此时，身份信息还可附带有指示被选择用于支付的该支付账户的标识符，例如，该标识符可以指示该支付账户在被绑定时的编号。
用户可以通过支付终端110上的支付软件来启动身份信息的发送、支付账户的选择等等。在启动支付功能前，用户可以输入支付密码。较优地，支付软件对支付密码初步验证通过后再进行支付操作。
接收终端120-n的信号接收单元122可接收并处理支付终端110发出的传输信号，以获得电信号形式的身份信息。在一实例中，接收终端120-n可包括解码单元以解码该电信号，从而恢复出身份信息。在较优的另一实例中，接收终端120-n并不对该电信号进行解码，而是由POS单元124直接转发电信号形式的经编码的身份信息。在一实例中，用户在通过支付终端110发出身份信息后，可以根据需要输入支付账户的账户验证信息。该支付账户的账户验证信息在后续支付流程中由支付账户的发放机构(例如，支付交易系统)进行验证。接收终端120-n可包 括输入单元126，例如键盘、手写盘、指纹识别模块、虹膜识别模块、声音识别模块等。用户可通过该输入单元126输入账户验证信息，如密码、签名、指纹、虹膜、声音、签字板等。
接收终端120-n在收到身份信息后，可向对应的收单平台130-n上传交易信息。该交易信息可包括该身份信息。在用户需要输入支付账户的账户验证信息的实例中，该交易信息还可包括该账户验证信息。另外，接收终端110一般与商户账户相绑定，因此交易信息还可包括商户身份识别号码和支付金额等信息。
收单平台130-n可用于实现接收终端120-n、用户管理平台140和结算平台150之间的交互。接收终端120-n可通过专用线路将交易信息上传至收单平台130-n。收单平台130-n接收到该交易信息之后，可基于该身份信息获得用于支付的支付账户的支付账户信息。然后，收单平台130-n可传送支付请求，该支付请求可包括用于支付的该支付账户的支付账户信息。
在一实例中，收单平台130-n可将该身份信息转发给用户管理平台140，由用户管理平台140对该身份信息进行验证。用户管理平台140可包括验证单元142以执行该验证。例如，支付终端110的用户的账户和相关联的身份信息(例如，身份ID和支付密码)都被存储在用户管理平台140的数据库143中。在身份信息包括身份ID的实例中，验证单元142可从数据库143中检索接收自收单平台130-n的该身份ID，若未检索到该身份ID，则该身份信息为非法身份，验证失败；若检索到该身份ID，则验证成功。
在身份信息还包括支付密码的实例中，若能够检索到该身份ID，则进一步获取与该身份ID相关联的支付密码，并将该支付密码与接收自收单平台130-n的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，用户管理平台140收到的身份信息是经加密和编码的。在此实例中，用户管理平台140可包括解码单元144和解密单元145。解码单元144可先对身份信息进行解码，然后再由解密单元145进行解密以恢复出身份信息。
响应于验证成功，用户管理平台140可从数据库143中检索出与该身份信息相关联的被用于支付的支付账户的支付账户信息，并向收单平台130-n传送该支付账户的该支付账户信息。用户管理平台140可以与多个金融机构相关联，从而存储这多个金融机构发行的支付账户的支付账户信息。在一实例中，用户设置了默认用于支付的支付账户，此时，用户管理平台140可响应于验证成功直接检索出与该身份信息相关联的该默认用于支付的支付账户的支付账户信息。在另一示 例中，用户并未设置默认的支付账户，而是在支付时选择用于支付的支付账户，如前文所述。此时，用户身份信息可附带有指示用于支付的支付账户的标识符，例如该支付账户被绑定时的编号。用户管理平台140可根据该标识符来检索出该用于支付的支付账户的支付账户信息。用户管理平台140可将检索到的该支付账户的该支付账户信息发送给收单平台130-n。
在一替换实施例中，支付账户的支付账户信息可以是存储在收单平台130-n处的。在此实施例中，用户管理平台140中并非如上文所述地存储支付账户信息，而是存储可被用于获取支付账户信息的账户关联信息，例如账户索引信息。此时，用户管理平台140向收单平台130-n发送的可以只是该用于获取支付账户信息的账户关联信息。收单平台130-n可以根据该账户关联信息从自身的数据库中找出该支付账户的支付账户信息。
另一方面，响应于验证失败，用户管理平台140可向收单平台130-n传送验证失败消息。
响应于获得该支付账户的该支付账户信息，收单平台130-n可上传支付请求。收单平台130-n可向结算平台150发送该支付请求。该支付请求可包括支付账户信息、支付金额和商户身份识别号码。在用户于接收终端120-n输入了账户验证信息的情况下，该支付请求还可包括账户验证信息。反之，若收到验证失败消息，收单平台130-n可将该验证失败消息转发给接收终端120-n，以通知商户和用户支付失败。
结算平台150可响应于收到来自收单平台130-n的支付请求进行结算。在一实例中，结算平台150可根据支付账户信息向相应的支付交易系统160-n提交结算请求。该结算请求可包括支付账户信息和支付金额。在用户于接收终端120-n输入了账户验证信息的情况下，该结算请求还可包括账户验证信息。该支付交易系统160-n是与该用于支付的支付账户相对应的交易系统。例如，以该支付账户为某银行发行的银行卡为例，该支付交易系统相应地为该银行的银行支付交易系统。根据不同的支付账户，结算平台150可向不同的支付交易系统传送结算请求。
在这里，结算平台150是公共结算平台，并且与各支付交易服务器160-n分开设置。但是，结算平台150也可以是各自与不同金融机构相关联的多个结算平台。在此情形中，各结算平台可整合至相关联的支付交易服务器。
支付交易服务器160-n可基于来自结算平台150的结算请求和来自支付终端110的确认信息执行支付交易。
在一实例中，该确认信息可包括该支付账户的支付交易密码。若该支付交易密码正确，则由支付交易服务器160-n执行该支付交易，否则向结算平台150和支付终端110反馈失败通知消息。
在一实例中，由支付交易服务器160-n向支付终端110发送确认请求，支付终端110可响应于该确认请求向支付交易服务器160-n发送该确认信息。
支付交易系统160-n在核实支付账户信息后，例如在通过确认信息确认后，可从相应的支付账户中扣除该支付金额。在结算请求包括账户验证信息的实例中，支付交易系统160-n可通过该账户验证信息来核实支付账户信息的合法性。注意，支付交易系统160-n并不直接将所扣的支付金额直接打入商户账户，而是打入结算平台150在银行所设的交易账户中。结算平台150会定期与商户进行结算。因此，结算平台150收到支付交易系统160-n所转的支付金额即可认为是支付成功。支付交易系统160-n在转账后可向结算平台150反馈支付结算信息，例如支付账户号、扣款金额等等。
结算平台150可将该支付结算信息转发给收单平台130-n，并由收单平台130-n将支付结算信息进一步传送给用户管理平台140和接收终端120-n。用户管理平台140可向支付终端110反馈该支付结算信息。同时，接收终端120-n可打印该支付结算信息。
至此，用户可通过支付终端110完成交易支付。
图2示出了根据本发明的第二实施例的支付系统200。支付系统200与支付系统100相类似。区别在于，用户管理平台240-n(n＝1,2,…N)取代了公共的用户管理平台140。即，每个收单平台230-n具有仅与该收单平台通信地耦合的用户管理平台240-n。正如上文所提及的，接收终端220-n可以是与金融机构相关的，不同的接收终端隶属于不同的金融机构。相应地，收单平台230-n也可以是与金融机构相关的，不同的收单平台隶属于不同的金融机构。而且，支付交易系统260-n是与金融机构相关的，不同的支付交易系统隶属于不同的金融机构。
由此在该实施例中，对应不同的金融机构具有不同的用户管理平台。即各用户管理平台240-n与不同的金融机构相关联。每一用户管理平台240-n中可存储与其相关联的金融机构所发行的支付账户的账户信息。例如，接收终端220-1和收单平台230-1与第一金融机构相关联，如隶属于第一金融机构。相应的用户管理平台240-1也与第一金融机构相关联，此时，用户管理平台240-1中可存储第一金融机构所发行的支付账户的支付账户信息。类似地，接收终端220-2、收单平 台230-2、以及用户管理平台240-2可与第二金融机构相关联，此时用户管理平台240-2中可存储第二金融机构所发行的支付账户的支付账户信息。
用户在一商户进行付费时，若该商户的接收终端为接收终端220-1，此时，该接收终端220-1为第一金融机构的接收终端。在此实施例的支付系统架构下，如果属于机构内支付情形，则收单平台230-1从该用户管理平台240-1即可获得支付账户的支付账户信息。例如，响应于对支付账户是由第一金融机构发行的支付账户的判断，由收单平台230-1向用户管理平台240-1传送该身份信息，并相应地获得该支付账户的支付账户信息。在一实例中，该判断可由接收终端220-1或收单平台230-1根据伴随身份信息一起从支付终端210发送的金融机构标识信息来判断。
根据本发明的方案，用户可以无需携带名目繁多的各种支付账户，通过例如带有信号传输功能诸如声波传输等功能的手机即可完成支付。相比于通过线上支付手段，支付的安全性得到可靠保证，因为根据本发明的方案，支付流程是通过安全的POS端为接口进入支付交易系统。而且，相比于传统的线下刷卡式支付，支付账户的磁道信息很容易被窃取。然而，根据本发明的方案，POS端不经手支付账户的账户信息，因此安全性得到显著提高。
本发明的方案可用于任何金融机构，例如银行或第三方支付机构发行的支付账户的支付。当支付账户为第三方支付机构发行的支付账户时，本发明的方案特别适用于该支付账户中有余额的情形下的支付流程，虽然本发明的方案并不限于此。
图3是示出了根据本发明的一方面的支付方法300的流程图。
在步骤302，从支付终端以传输信号的形式向接收终端发送身份信息。
在一实例中，支付终端可对该身份信息进行编码，并以传输信号，例如光信号的形式向接收终端发送经编码的该身份信息。较优地，支付终端可先对身份信息进行加密，然后再对经加密的身份信息进行编码。接收终端接收并处理该传输信号以获得电信号，例如在传输信号为光信号的情况下可执行光电转换，从而获得电信号形式的身份信息。
在一实例中，身份信息可包括身份ID。较优地，该身份信息还可包括支付密码。
在步骤304，从接收终端向收单平台发送交易信息，该交易信息可包括该身份信息。
在步骤306，收单平台可基于该身份信息获得用于支付的支付账户，例如第一支付账户的支付账户信息，以及向结算平台发送支付请求。
在一实例中，收单平台可将该身份信息转发至用户管理平台，用户管理平台可对收到的身份信息进行验证。在一实例中，身份信息包括身份ID。用户管理平台可从自身数据库中检索接收到的该身份ID，若未检索到该身份ID，则该身份信息为非法身份，验证失败。若能够检索到该身份ID，则验证成功。较优地，在检索到该身份ID的情况下，用户管理平台还可进一步获取与该身份ID相关联的支付密码，并将该支付密码与接收到的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，用户管理平台收到的身份信息是经加密和编码的。在此实例中，用户管理平台可先对身份信息进行解码，然后再进行解密以恢复出该身份信息。
响应于验证成功，用户管理平台可向收单平台传送该第一支付账户的该支付账户信息。在替换实施例中，用户管理平台也可传送该支付账户信息的账户关联信息以供收单平台找出该支付账户信息。在一实例中，该第一支付账户为默认用于支付的支付账户，此时，用户管理平台可响应于验证成功直接检索出与该身份信息相关联的默认用于支付的该第一支付账户的支付账户信息。在另一实例中，用户未设置默认支付账户，此时，身份信息还可附带有指示第一支付账户的标识符。用户管理平台可根据该标识符检索出与该身份信息相关联的该第一支付账户的该支付账户信息。响应于收到该支付账户信息，收单平台可向结算平台传送支付请求，该支付请求可包括该支付账户信息。另外，该支付请求还可包括商户身份识别号码和支付金额。
响应于验证失败，用户管理平台可向收单平台传送验证失败消息。响应于收到该验证失败消息，收单平台可将验证失败消息转发给接收终端。
在一实例中，该收单平台和该用户管理平台与第一金融机构相关联，其中该用户管理平台中存储有该第一金融机构发行的支付账户的支付账户信息，在此实例中，响应于对第一支付账户是由该第一金融机构发行的支付账户的判断，由该收单平台向该用户管理平台传送该身份信息。
在步骤308，由结算平台响应于该支付请求进行结算，该支付请求包括该第一支付账户的支付账户信息。
在一实例中，该结算平台可响应于该支付请求向与第一支付账户对应的支付交易服务器传送结算请求，该结算请求可包括该第一支付账户的支付账户信息。 该结算请求还可包括支付金额。
该支付交易系统可将该支付金额划入到结算平台的交易账户并向结算平台反馈支付结算信息。响应于收到支付结算信息，结算平台可向收单平台转发该支付结算信息，收单平台将收到的支付结算信息传送给用户管理平台和接收终端。进而，用户管理平台可将支付结算信息反馈至支付终端。
在另一实例中，该结算平台可响应于该支付请求向与第一支付账户对应的支付交易服务器传送结算请求，由该支付交易服务器基于来自结算平台的结算请求和来自支付终端的确认信息执行支付交易，该结算请求可包括该第一支付账户的支付账户信息。
例如，该确认信息可包括该第一支付账户的支付交易密码。若该支付交易密码正确，则由支付交易服务器执行该支付交易，否则向结算平台和支付终端反馈失败通知消息。
例如，由支付交易服务器向支付终端发送确认请求，支付终端可响应于该确认请求向支付交易服务器发送该确认信息。
确认后，该支付交易服务器可将该支付金额划入到结算平台的交易账户并向结算平台反馈支付结算信息。响应于收到支付结算信息，结算平台可向收单平台转发该支付结算信息，收单平台将收到的支付结算信息传送给接收终端。
图4是示出了根据本发明的第三实施例的支付系统400的框图。支付系统400与支付系统100的区别在于，用户管理平台440可与结算平台450通信地耦合。
在此实施例中，当用户在商户消费需要付款时，用户可通过支付终端410以传输信号的形式向接收终端420-n发送身份信息，例如包括身份ID和支付密码。具体地，编码单元112可对身份信息进行编码。较优地，加密单元114还可先对身份信息进行加密，然后再由编码单元112对经加密的身份信息进行编码。信号发射单元116可发送指示该经编码的身份信息的传输信号。
在用户为该身份信息绑定了多张支付账户且未设置默认用于支付的支付账户的情形中，用户还可从所绑定的这多张支付账户中选择用于支付的支付账户。此时，身份信息还可附带有指示被选择用于支付的该支付账户的标识符，例如，该标识符可以指示该支付账户在被绑定时的编号。
用户可以通过支付终端410上的支付软件来启动身份信息的发送、支付账户的选择等等。在启动支付功能前，用户可以输入支付密码。较优地，支付软件对支付密码初步验证通过后再进行支付操作。
接收终端420-n的信号接收单元122可接收并处理支付终端410发出的传输信号，以获得电信号形式的身份信息。在一实例中，接收终端420-n可包括解码单元以解码该电信号，从而恢复出身份信息。在较优的另一实例中，接收终端420-n并不对该电信号进行解码，而是由POS单元124直接转发电信号形式的经编码的身份信息。在一实例中，用户在通过支付终端410发出身份信息后，可以根据需要输入支付账户的账户验证信息。该支付账户的账户验证信息在后续支付流程中由支付账户的发放机构(例如，支付交易系统)进行验证。接收终端420-n可包括输入单元126，例如键盘、手写盘、指纹识别模块、虹膜识别模块、声音识别模块等。用户可通过该输入单元126输入账户验证信息，如密码、签名、指纹、虹膜、声音等。
接收终端420-n在收到身份信息后，可向对应的收单平台430-n上传交易信息。该交易信息可包括该身份信息。在用户需要输入支付账户的账户验证信息的实例中，该交易信息还可包括该账户验证信息。另外，接收终端410一般与商户账户相绑定，因此交易信息还可包括商户身份识别号码和支付金额等信息。
收单平台430-n可实现接收终端420-n和结算平台450之间的交互。接收终端420-n可通过专用线路将交易信息上传至收单平台430-n。收单平台430-n可上传该身份信息。例如，收单平台430-n可传送支付请求，该支付请求可包括该身份信息。该支付请求还可包括支付金额和商户身份识别号码。在用户于接收终端420-n输入了账户验证信息的情况下，该支付请求还可包括账户验证信息。
结算平台450可接收该支付请求，从而基于来自收单平台430-n的该身份信息获得用于支付的支付账户的支付账户信息。
在一实例中，结算平台450可将该身份信息转发给用户管理平台440，由用户管理平台440对该身份信息进行验证。用户管理平台440可包括验证单元142以执行该验证。例如，支付终端410的用户的账户和相关联的身份信息(例如，身份ID和支付密码)都被存储在用户管理平台440的数据库143中。在身份信息包括身份ID的实例中，验证单元142可从数据库143中检索接收自结算平台450的该身份ID，若未检索到该身份ID，则该身份信息为非法身份，验证失败；若检索到该身份ID，则验证成功。
在身份信息还包括支付密码的实例中，若能够检索到该身份ID，则进一步获取与该身份ID相关联的支付密码，并将该支付密码与接收自结算平台450的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，用户管理平台440收到的身份信息是经加密和编码的。在此实例中，用户管理平台440可包括解码单元144和解密单元145。解码单元144可先对身份信息进行解码，然后再由解密单元145进行解密以恢复出身份信息。
响应于验证成功，用户管理平台440可从数据库143中检索出与该身份信息相关联的被用于支付的支付账户的支付账户信息，并向结算平台450传送该支付账户的该支付账户信息。用户管理平台440可以与多个金融机构相关联，从而存储这多个金融机构发行的支付账户的支付账户信息。在一实例中，用户设置了默认用于支付的支付账户，此时，用户管理平台440可响应于验证成功直接检索出与该身份信息相关联的该默认用于支付的支付账户的支付账户信息。在另一示例中，用户并未设置默认的支付账户，而是在支付时选择用于支付的支付账户，如前文所述。此时，用户身份信息可附带有指示用于支付的支付账户的标识符，例如该支付账户被绑定时的编号。用户管理平台440可根据该标识符来检索出该用于支付的支付账户的支付账户信息。用户管理平台440可将检索到的该支付账户的该支付账户信息发送给结算平台450。
在一替换实施例中，支付账户的支付账户信息可以是存储在结算平台450处的。在此实施例中，用户管理平台440中并非如上文所述地存储支付账户信息，而是存储可被用于获取支付账户信息的账户关联信息，例如账户索引信息。此时，用户管理平台440向结算平台450发送的可以只是该用于获取支付账户信息的账户关联信息。结算平台450可以根据该账户关联信息从自身的数据库中找出该支付账户的支付账户信息。
另一方面，响应于验证失败，用户管理平台440可向结算平台450传送验证失败消息。若收到验证失败消息，结算平台450可将该验证失败消息转发给收单平台430-n，并由后者反馈至接收终端420-n，以通知商户和用户支付失败。
结算平台450可响应于获得该支付账户的支付账户信息进行结算。在一实例中，结算平台450可根据支付账户信息向相应的支付交易系统460-n提交结算请求。该结算请求可包括支付账户信息和支付金额。在用户于接收终端420-n输入了账户验证信息的情况下，该结算请求还可包括账户验证信息。该支付交易系统460-n是与该用于支付的支付账户相对应的交易系统。例如，以该支付账户为某银行发行的银行卡为例，该支付交易系统相应地为该银行的银行支付交易系统。根据不同的支付账户，结算平台450可向不同的支付交易系统传送结算请求。
支付交易系统460-n在核实支付账户信息后，可从相应的支付账户中扣除该 支付金额。在结算请求包括账户验证信息的实例中，支付交易系统460-n可通过该账户验证信息来核实支付账户信息的合法性。注意，支付交易系统460-n并不直接将所扣的支付金额直接打入商户账户，而是打入结算平台450在银行所设的交易账户中。结算平台450会定期与商户进行结算。因此，结算平台450收到支付交易系统460-n所转的支付金额即可认为是支付成功。支付交易系统460-n在转账后可向结算平台450反馈支付结算信息，例如支付账户号、扣款金额等等。
结算平台450可将该支付结算信息转发给收单平台430-n，并由收单平台430-n将支付结算信息进一步传送给用户管理平台440和接收终端420-n。用户管理平台440可向支付终端410反馈该支付结算信息。同时，接收终端420-n可打印该支付结算信息。
至此，用户可通过支付终端410完成交易支付。
图5是示出了根据本发明的第四实施例的支付系统500的框图。支付系统500与支付系统400相类似。区别在于，用户管理平台540-n(n＝1,2,…N)取代了公共的用户管理平台540。正如上文所提及的，接收终端520-n可以是与金融机构相关的，不同的接收终端隶属于不同的金融机构。相应地，收单平台530-n也可以是与金融机构相关的，不同的收单平台隶属于不同的金融机构。而且，支付交易系统560-n是与金融机构相关的，不同的支付交易系统隶属于不同的金融机构。
在该实施例中，对应不同的金融机构具有不同的用户管理平台。即各用户管理平台540-n与不同的金融机构相关联。每一用户管理平台540-n中可存储与其相关联的金融机构所发行的支付账户的账户信息。例如，接收终端520-1和收单平台530-1与第一金融机构相关联，如隶属于第一金融机构。相应的用户管理平台540-1也与第一金融机构相关联，此时，用户管理平台540-1中可存储第一金融机构所发行的支付账户的支付账户信息。类似地，接收终端520-2、收单平台530-2、以及用户管理平台540-2可与第二金融机构相关联，此时用户管理平台540-2中可存储第二金融机构所发行的支付账户的支付账户信息。
在此实施例的架构下，结算平台550在获得支付账户的支付账户信息时，身份信息所被转发给的用户管理平台440-n可以是与发行该支付账户的金融机构相关联的用户管理平台，其中存储有该金融机构发行的支付账户的支付账户信息或账户关联信息。
图6是示出了根据本发明的第五实施例的支付系统600的框图。支付系统600与支付系统400相类似。区别在于，除了公共的用户管理平台640外，每个收单 平台230-n还具有仅与该收单平台通信地耦合的用户管理平台670-n。正如上文所提及的，接收终端220-n可以是与金融机构相关的，不同的接收终端隶属于不同的金融机构。相应地，收单平台230-n也可以是与金融机构相关的，不同的收单平台隶属于不同的金融机构。而且，支付交易系统260-n是与金融机构相关的，不同的支付交易系统隶属于不同的金融机构。
由此在该实施例中，对应不同的金融机构具有不同的用户管理平台670-n。即各用户管理平台670-n与不同的金融机构相关联。每一用户管理平台670-n中可存储与其相关联的金融机构所发行的支付账户的账户信息。例如，接收终端620-1和收单平台630-1与第一金融机构相关联，如隶属于第一金融机构。相应的用户管理平台670-1也与第一金融机构相关联，此时，用户管理平台670-1中可存储第一金融机构所发行的支付账户的支付账户信息。类似地，接收终端620-2、收单平台630-2、以及用户管理平台670-2可与第二金融机构相关联，此时用户管理平台670-2中可存储第二金融机构所发行的支付账户的支付账户信息。与用户管理平台670-n不同，用户管理平台640可以与多个金融机构相关联，从而存储这多个金融机构发行的支付账户的支付账户信息。
用户在一商户进行付费时，若该商户的接收终端为接收终端620-2，此时，该接收终端620-2为第二金融机构的接收终端。用户选择用于支付的支付账户有可能是该第二金融机构发行的支付账户(即，机构内支付)，也可能不是该第二金融机构发行的支付账户(即，机构间支付)。
在此实施例的支付系统架构下，如果属于机构间支付情形，例如在接收终端620-2处，若用户选择的支付账户为第一金融机构发行的第一支付账户。收单平台630-2可将身份信息传给结算平台650，由后者从公共的用户管理平台640来获得该第一支付账户的支付账户信息。例如，响应于对支付账户并非是由第一金融机构发行的支付账户的判断，由收单平台630-2可向结算平台650传送支付请求，该支付请求中可包括该身份信息。在一实例中，该判断可由接收终端620-2或收单平台630-2根据伴随身份信息一起从支付终端610发送的金融机构标识信息来判断。
图7是示出了根据本发明的另一方面的支付方法700的流程图。
在步骤702，从支付终端以传输信号的形式向接收终端发送身份信息。
在一实例中，支付终端可对该身份信息进行编码，并以传输信号，例如光信号的形式向接收终端发送经编码的该身份信息。较优地，支付终端可先对身份信 息进行加密，然后再对经加密的身份信息进行编码。接收终端接收并处理该传输信号以获得电信号，从而获得电信号形式的身份信息。
在一实例中，身份信息可包括身份ID。较优地，该身份信息还可包括支付密码。
在步骤704，从接收终端向收单平台发送交易信息，该交易信息可包括该身份信息。
收单平台收到交易信息后可向结算平台传送支付请求，该支付请求可包括该身份信息。另外，该支付请求还可包括商户身份识别号码和支付金额。
在步骤706，由结算平台基于来自收单平台的该身份信息获得用于支付的支付账户，例如第一支付账户的支付账户信息。
在一实例中，结算平台可将该身份信息转发至第一用户管理平台，该第一用户管理平台可对收到的身份信息进行验证。在一实例中，身份信息包括身份ID。第一用户管理平台可从自身数据库中检索接收到的该身份ID，若未检索到该身份ID，则该身份信息为非法身份，验证失败。若能够检索到该身份ID，则验证成功。较优地，在检索到该身份ID的情况下，第一用户管理平台还可进一步获取与该身份ID相关联的支付密码，并将该支付密码与接收到的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，第一用户管理平台收到的身份信息是经加密和编码的。在此实例中，第一用户管理平台可先对身份信息进行解码，然后再进行解密以恢复出该身份信息。
响应于验证成功，第一用户管理平台可向结算平台传送该第一支付账户的该支付账户信息。在替换实施例中，用户管理平台也可传送该支付账户信息的账户关联信息以供结算平台找出该支付账户信息。在一实例中，该第一支付账户为默认用于支付的支付账户，此时，第一用户管理平台可响应于验证成功直接检索出与该身份信息相关联的默认用于支付的该第一支付账户的支付账户信息。在另一实例中，用户未设置默认支付账户，此时，身份信息还可附带有指示第一支付账户的标识符。第一用户管理平台可根据该标识符检索出与该身份信息相关联的该第一支付账户的该支付账户信息。
响应于验证失败，第一用户管理平台可向结算平台传送验证失败消息。响应于收到该验证失败消息，结算平台可将验证失败消息转发给收单平台并由后者反馈至接收终端。
在一实例中，第一用户管理平台可以与发行该第一支付账户的第一金融机构相关联，其中该第一用户管理平台中存储有该第一金融机构发行的支付账户的支付账户信息。
在另一实例中，第一用户管理平台与包括发行该第一支付账户的第一金融机构的多个金融机构相关联，其中该第一用户管理平台中存储有这多个金融机构发行的支付账户的支付账户信息。
在又一实例中，该收单平台还可与第二用户管理平台通信地耦合，其中该收单平台和该第二用户管理平台与第二金融机构相关联，其中该第二用户管理平台中存储有该第二金融机构发行的支付账户的支付账户信息。在此实例中，响应于对第一支付账户并非是由该第二金融机构发行的支付账户的判断，由该收单平台向结算平台传送支付请求，该支付请求可包括该身份信息。
在步骤708，由结算平台响应于获得该第一支付账户的该支付账户信息进行结算。
在一实例中，该结算平台可向与第一支付账户相对应的支付交易系统传送结算请求，该结算请求可包括该第一支付账户的支付账户信息。该结算请求还可包括支付金额。
该支付交易系统可将该支付金额划入到结算平台的交易账户并向结算平台反馈支付结算信息。响应于收到支付结算信息，结算平台可向收单平台转发该支付结算信息，收单平台将收到的支付结算信息传送给接收终端。
图8是示出了根据本发明的第六实施例的支付系统的框图。支付系统800可包括支付终端110。如图1a所示，支付终端110可以是包括信号发射单元116的任何合适的便携式终端，例如蜂窝电话、卫星电话、无绳电话、个人数字助理(PDA)、具有无线连接能力的手持式设备、计算设备、或连接到无线调制解调器的其他处理设备等。支付终端110可利信号发射单元116与其他具有信号接收能力的设备进行通信。例如，信号发射单元116可以是光发射单元、声波单元、红外单元、WiFi单元、射频单元等。在发射单元116为光发射单元的情况下，支付终端110可被称为光子支付终端，从而可利光发射单元116与其他具有光通信能力的设备进行光通信。例如，通过以有光代表高电平，无光代表低电平，光发射单元116可利用例如发光二极管(LED)以一定规律高频闪烁发光来传达有意义的信号。
支付系统800可包括用户管理平台140，以实现用户信息的管理。支付终端 110可通过无线通信系统访问用户管理平台140。这里的无线通信系统可以是诸如CDMA、TDMA、FDMA、OFDMA、SC-FDMA和其他系统。CDMA系统可实现诸如通用地面无线电接入(UTRA)、cdma2000等无线电技术。UTRA包括宽带CDMA(W-CDMA)和其他CDMA变体。此外，cdma2000涵盖IS-2000、IS-95和IS-856标准。TDMA系统可实现诸如全球移动通信系统(GSM)等无线电技术。OFDMA系统可实现诸如演进型UTRA(E-UTRA)、超移动宽带(UMB)、IEEE802.11(Wi-Fi)、IEEE 802.16(WiMAX)、IEEE 802.20、
Figure PCTCN2015082854-appb-000003
等之类的无线电技术。
用户可通过支付终端110向用户管理平台140请求注册。如图1d所示，用户管理平台140可包括注册单元141以用于注册账户。响应于支付终端110的注册请求，注册单元141可为支付终端110注册一账户，并且为该账户分配一个支付身份信息，例如可包括支付ID。该支付ID可以存储于用户管理平台140处，例如存储在用户管理平台140的数据库143中。在支付终端110为光子支付终端的情况下，该账户可称之为光账户，该身份信息可称之为光子身份信息，相应地该身份ID可称之为光ID。
注册账户后，用户可设置相应的登录密码，并可使用支付终端110登录该账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
用户登录该账户后，可以提交将支付账户与该账户和支付ID绑定的请求。用户可以将多个支付账户与该账户和支付ID进行绑定。这里的支付账户可以是预付卡、一卡通等等。用户可提交支付账户的支付账户验证信息，例如卡号、开户行或发卡商、持卡人姓名、身份证号、手机号等到用户管理平台140。用户管理平台140可将用户提交的支付账户验证信息直接地或者通过下文描述结算平台830等间接地发送至支付账户发放机构，例如交易服务器850进行验证，支付账户发放机构诸如有支付账户银行、第三方支付机构、信用卡发放机构、预付卡发放机构、城市一卡通发放机构等。例如，用户管理平台140可将用户打包的信息按照指定接口与通信协议将信息提交到结算平台830，并接收支付账户发放机构例如预付卡发放机构、城市一卡通发放机构等反馈的验证提示。支付账户中可以是钱、也可以是积分，例如会员积分。
若验证成功，则注册单元141可将该账户与该支付账户相绑定，例如将该账户对应的支付ID与该支付账户相关联。用户可以为该账户绑定多个支付账户，同 时可以设置默认的支付账户，或者在支付时选择相应的支付账户进行支付。
较优地，支付身份信息还可包括身份密码(也可称为支付密码)以作支付身份信息的验证之用。该支付密码可由注册单元141响应于用户的选择来设置。同时，当用户忘记该支付密码时，可通过支付账户关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码、手势密码、指纹信息等。该账户、对应的支付ID、支付密码、以及绑定的至少一个支付账户的支付账户信息可被存储在数据库143中。在一实例中，与特定账户和支付ID绑定的多个支付账户可被编号为1至N，这多个支付账户与该账户、支付ID以及支付密码被关联地存储在一起，如表2所示。
Figure PCTCN2015082854-appb-000004
表2
支付终端110可以通过相应的支付软件来实现上述账户的注册请求、密码设置、支付账户的绑定操作。该支付软件可以安装在支付终端110上。例如，用户可以在支付终端110上打开该支付软件，通过该支付软件进行账户的注册、管理，以及支付账户的绑定、默认支付账户的设定、以及支付账户的绑定解除等等。
支付系统800还可包括接收终端120。接收终端120可以是设置在商户处的具有信号接收功能的简单的接收设备，也可以是具有信号接收功能和打单、输入密码等功能的POS(Point of Sales)机。虽然图8中仅示出了一个接收终端120，但是本领域技术人员理解，可包括多个接收终端。接收终端120可以是与支付账户发行机构相关的，不同的接收终端隶属于不同的支付账户发行机构。例如，第一接收终端隶属于第一支付账户发行机构，第二接收终端隶属于第二支付账户发行机构等等。这些支付账户发行机构发放各自的支付账户。
接收终端120可以是包括信号接收单元的一体式POS机。或者，接收终端也可以是与一单立的信号接收模块相连接的常规POS机。例如，该常规POS机可通过通信接口，诸如RS232、USB接口，与该信号接收模块通信，或者通过无线网络与该信号接收模块通信。下文以一体式POS机架构为例对接收终端进行描述，如图1c所示。接收终端120可包括信号接收单元122和执行常规POS功能的POS单元124。在支付终端110为光子支付终端的情况下，相应地，该接收终端120 的信号接收单元122为光接收单元。此时，此接收终端120也可被称为光子接收端。
接收终端120可通过信号接收单元122与支付终端110实现通信。支付终端110可包括编码单元112，一般地，编码单元112可对要传达的通信数据进行编码。通信数据可以是支付终端110要传达给接收终端120的任何信息数据，例如，支付身份信息。在支付终端110为光子支付终端以及接收终端120为光子接收端的情况下，编码单元112可对要传达的通信数据例如，光子身份信息进行编码。常见的编码可包括RZ脉冲计数编码。RZ脉冲计数编码是将原始信息以n个比特为一组，相邻两组信号之间设有组间时间间隔，每组内以脉冲的个数表示该组信号中的n个比特的信息。例如当n＝2，即以两个比特为一组时，分别用1、2、3和4个脉冲代表00、01、10和11。常见的编码还可包括PPM编码。
较优地，支付终端110还可包括加密单元114。加密单元114可先对通信数据进行加密，然后再由编码单元112对经加密的通信数据进行上述编码。
在对通信数据进行编码后，信号发射单元116可以例如传输信号的形式发送出去。在信号发射单元116为光发射单元的情况下，光发射单元116可以例如通过以发光表示高电平信号、而以不发光表示低电平来将接收到的经编码信号以可见光的形式发送出去。
接收终端120的信号接收单元122可用于接收并处理信号发射单元116发射的传输信号以获得电信号，例如以获得电信号形式的通信数据。在一实例中，信号接收单元122可对收到的传输信号进行转换、放大、滤波等处理。在支付终端110为光子支付终端以及接收终端120为光子接收端的情况下，光子接收端120的光接收单元122可用于接收光发射单元116发射的可见光信号、并将可见光信号转换为电信号，例如以获得电信号形式的通信数据。例如，对于LED灯产生的高频率闪烁，有光可代表高电平，无光可代表低电平，或反之，从而可将接收的可见光信号转换为数字信号。光接收单元122可包括光敏器件，例如光电二极管、光电三极管等。利用光敏器件的电信号与光信号的特性，通过光电转换将形成电脉冲信号。实践中由于光子支付终端110与光子接收端120的相对位置不一样，即每个光子支付终端110发射到光子接收端120的光信号强度是不一样的，所以其电信号强弱也是不一样的，所以需要对光电二极管所形成的电流进行整流比较。如当二极管通过的电流值高于某一定门限值时，光电转换电路将输出的电压电平值调整为高电平；当通过光电二极管的电流值低于某一门限值时，光电转换电路 将输出的电压电平值调整为低电平。该门限值的设定是通过一个数学模型根据不同的环境来设定的，如距离较远时，门限值可能会降低；距离近时门限值可能会相对升高。通过以上过程，可以将电平调整到一定范围内，以此保证正确的脉冲形状，以尽可能保证采样的准确性。
当用户在商户消费需要付款时，用户可通过支付终端110以传输信号，例如光信号的形式向接收终端120发送支付身份信息，例如包括支付ID和支付密码。具体地，编码单元112可对支付身份信息进行编码。较优地，加密单元114还可先对支付身份信息进行加密，然后再由编码单元112对经加密的支付身份信息进行编码。信号发射单元116可发送指示该经编码的支付身份信息的传输信号。
在用户为该支付身份信息绑定了多个支付账户且未设置默认用于支付的支付账户的情形中，用户还可从所绑定的这多个支付账户中选择用于支付的支付账户。此时，支付身份信息还可附带有指示被选择用于支付的该支付账户的标识符，例如，该标识符可以指示该支付账户在被绑定时的编号。
用户可以通过支付终端110上的支付软件来启动支付身份信息的发送、支付账户的选择等等。在启动支付功能前，用户可以输入支付密码。较优地，支付软件对支付密码初步验证通过后再进行支付操作。
接收终端120的信号接收单元122可接收并处理支付终端110发出的传输信号，以获得电信号形式的支付身份信息。在一实例中，接收终端120可包括解码单元以解码该电信号，从而恢复出支付身份信息。在较优的另一实例中，接收终端120并不对该电信号进行解码，而是由POS单元124直接转发电信号形式的经编码的支付身份信息。在一实例中，用户在通过支付终端110发出支付身份信息后，可以根据需要输入支付账户的账户验证信息。该支付账户的账户验证信息在后续支付流程中由支付账户的发放机构(例如，交易服务器)进行验证。接收终端120可包括输入单元126，例如键盘、手写盘、指纹识别模块、虹膜识别模块、声音识别模块等。用户可通过该输入单元126输入账户验证信息，如密码、签名、指纹、虹膜、声音等。
接收终端120在收到支付身份信息后，可向结算平台830上传交易请求，该交易请求可包括该支付身份信息。在用户需要输入支付账户的账户验证信息的实例中，该交易请求还可包括账户验证信息。另外，接收终端110一般与商户账户相绑定，因此交易请求还可包括商户身份识别号码和支付金额等信息。
支付系统800还可包括结算平台830以于实现接收终端120、用户管理平台 140和交易服务器850之间的交互。接收终端120可通过专用线路将交易请求上传至结算平台830。结算平台830接收到该交易请求之后，可基于对该支付身份信息的验证执行结算。
在一实例中，结算平台830可将该支付身份信息转发给用户管理平台140，由用户管理平台140对该支付身份信息进行验证。用户管理平台140可包括验证单元142以执行该验证。例如，支付终端110的用户的账户和相关联的支付身份信息(例如，支付ID和支付密码)都被存储在用户管理平台140的数据库143中。在支付身份信息包括支付ID的实例中，验证单元142可从数据库143中检索接收自结算平台830的该支付ID，若未检索到该支付ID，则该支付身份信息为非法身份，验证失败；若检索到该支付ID，则验证成功。
在支付身份信息还包括支付密码的实例中，若能够检索到该支付ID，则进一步获取与该支付ID相关联的支付密码，并将该支付密码与接收自结算平台830的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，用户管理平台140收到的支付身份信息是经加密和编码的。在此实例中，用户管理平台140可包括解码单元144和解密单元145。解码单元144可先对支付身份信息进行解码，然后再由解密单元145进行解密以恢复出支付身份信息。
响应于验证成功，用户管理平台140可从数据库143中检索出与该支付身份信息相关联的被用于支付的支付账户的支付账户信息，并向结算平台830传送该支付账户的该支付账户信息。用户管理平台140可以与多个支付账户发行机构相关联，从而存储这多个支付账户发行机构发行的支付账户的支付账户信息。在一实例中，用户设置了默认用于支付的支付账户，此时，用户管理平台140可响应于验证成功直接检索出与该支付身份信息相关联的该默认用于支付的支付账户的支付账户信息。在另一示例中，用户并未设置默认的支付账户，而是在支付时选择用于支付的支付账户，如前文所述。此时，用户支付身份信息可附带有指示用于支付的支付账户的标识符，例如该支付账户被绑定时的编号。用户管理平台140可根据该标识符来检索出该用于支付的支付账户的支付账户信息。用户管理平台140可将检索到的该支付账户的该支付账户信息发送给结算平台830。
在一替换实施例中，支付账户的支付账户信息可以是存储在结算平台830处的。在此实施例中，用户管理平台140中并非如上文所述地存储支付账户信息，而是存储可被用于获取支付账户信息的账户关联信息，例如账户索引信息。此时， 用户管理平台140向结算平台830发送的可以只是该用于获取支付账户信息的账户关联信息。结算平台830可以根据该账户关联信息从自身的数据库中找出该支付账户的支付账户信息。
另一方面，响应于验证失败，用户管理平台140可向结算平台830传送验证失败消息。
响应于获得该支付账户的该支付账户信息，结算平台830可执行结算。
在一实例中，结算平台830可向相应的交易服务器850发送结算请求，该结算请求可包括该支付账户的该支付账户信息。该支付请求还可包括支付金额和商户身份识别号码。在用户于接收终端120输入了账户验证信息的情况下，该结算请求还可包括账户验证信息。
虽然图8中仅示出了一个交易服务器850，但是本领域技术人员可以理解，存在多个交易服务器。各交易服务器与不同的支付账户发行机构相关联。结算平台830可向与该支付账户相对应的交易服务器850传送该结算请求。例如，以该支付账户为某商业机构发行的预付卡为例，该交易服务器850相应地为该商业机构的交易服务器。根据不同机构发行的支付账户，结算平台830可向不同的交易服务器850传送结算请求。
反之，若收到验证失败消息，结算平台830可将该验证失败消息转发给接收终端120，以通知商户和用户支付失败。
交易服务器850在核实支付账户信息后，可根据支付金额从相应的支付账户中扣款，并将所扣款项划入结算平台830的交易账户。在结算请求包括账户验证信息的实例中，交易服务器850可通过该账户验证信息来核实支付账户信息的合法性。注意，交易服务器850并不直接将所扣的支付金额直接打入商户账户，而是打入结算平台830在银行所设的交易账户中。结算平台830会定期与商户进行结算。因此，结算平台830收到交易服务器850所转的支付金额即可认为是支付成功。交易服务器850在转账后可向结算平台830反馈支付结算信息，例如支付账户号、扣款金额等等。结算平台830可将该支付结算信息转发给接收终端120
至此，用户可通过支付终端110完成交易支付。
根据本发明的方案，用户可以无需携带名目繁多的各种支付卡，通过例如带有信号发射功能的手机即可完成支付。此外，由于有些支付卡没有支付账户密码，若丢失很容易被盗用，在本发明中通过将支付账户和账户相绑定，并设置支付密码，可以有效地防止支付账户被盗用。
另外，即使一些支付账户设有支付账户密码，为了防止支付账户丢失，用户往往需要修改支付账户密码。此时，用户需要登录发行该支付账户的商家的网页，先进行注册然后修改支付账户密码，操作非常繁琐。在本发明中，用户只需要在一次性得到发卡机构验证后，就可以将支付账户与账户绑定。此后，在使用该支付账户时，只要通过用户为账户设置的统一的支付密码，就可以通过验证并进行相应支付。用户无需再修改每个支付账户的支付账户密码，而只需记住支付密码即可。
而且，相比于传统的线下刷卡式支付，支付账户的账户信息很容易被窃取。然而，根据本发明的方案，POS端不经手支付账户的账户信息，因此安全性得到显著提高。
图9是示出了根据本发明的一方面的支付方法900的流程图。
在步骤902，从支付终端以传输信号的形式向接收终端发送支付身份信息。
在一实例中，支付终端可对该支付身份信息进行编码，并以传输信号的形式向接收终端发送经编码的该支付身份信息。较优地，支付终端可先对支付身份信息进行加密，然后再对经加密的支付身份信息进行编码。接收终端接收并处理该传输信号以获得电信号，从而获得电信号形式的支付身份信息。
在一实例中，支付身份信息可包括支付ID。较优地，该支付身份信息还可包括支付密码。
在步骤904，从接收终端向结算平台发送交易请求，该交易请求可包括该支付身份信息。
在用户需要输入支付账户的账户验证信息的实例中，该交易请求还可包括账户验证信息。另外，接收终端一般与商户账户相绑定，因此交易请求还可包括商户身份识别号码和支付金额等信息。
在步骤906，结算平台可基于对该支付身份信息的验证执行结算。
在一实例中，结算平台可将该支付身份信息转发至用户管理平台，用户管理平台可对收到的支付身份信息进行验证。在一实例中，支付身份信息包括支付ID。用户管理平台可从自身数据库中检索接收到的该支付ID，若未检索到该支付ID，则该支付身份信息为非法身份，验证失败。若能够检索到该支付ID，则验证成功。较优地，在检索到该支付ID的情况下，用户管理平台还可进一步获取与该支付ID相关联的支付密码，并将该支付密码与接收到的支付密码进行比较，若两者一致，则验证成功，否则验证失败。
在一实例中，用户管理平台收到的支付身份信息是经加密和编码的。在此实例中，用户管理平台可先对支付身份信息进行解码，然后再进行解密以恢复出该支付身份信息。
响应于验证成功，用户管理平台可向结算平台传送用于支付的支付账户，例如第一支付账户的支付账户信息。在替换实施例中，用户管理平台也可传送该支付账户信息的账户关联信息以供结算平台找出该支付账户信息。在一实例中，该第一支付账户为默认用于支付的支付账户，此时，用户管理平台可响应于验证成功直接检索出与该支付身份信息相关联的默认用于支付的该第一支付账户的支付账户信息。在另一实例中，用户未设置默认支付账户，此时，支付身份信息还可附带有指示第一支付账户的标识符。用户管理平台可根据该标识符检索出与该支付身份信息相关联的该第一支付账户的该支付账户信息。响应于收到该支付账户信息，结算平台可执行结算。
响应于验证失败，用户管理平台可向结算平台传送验证失败消息。响应于收到该验证失败消息，结算平台可将验证失败消息转发给接收终端。
在一实例中，该结算平台可向与第一支付账户对应的交易服务器传送结算请求，该结算请求可包括该第一支付账户的支付账户信息。该结算请求还可包括支付金额。该交易服务器可根据该支付金额对第一支付账户进行扣款并将所扣款项划入到结算平台的交易账户，并向结算平台反馈支付结算信息。响应于收到支付结算信息，结算平台可向接收终端转发支付结算信息。
尽管为使解释简单化将上述方法图示并描述为一系列动作，但是应理解并领会，这些方法不受动作的次序所限，因为根据一个或多个实施例，一些动作可按不同次序发生和/或与来自本文中图示和描述或本文中未图示和描述但本领域技术人员可以理解的其他动作并发地发生。
本领域技术人员将进一步领会，结合本文中所公开的实施例来描述的各种解说性逻辑板块、模块、电路、和算法步骤可实现为电子硬件、计算机软件、或这两者的组合。为清楚地解说硬件与软件的这一可互换性，各种解说性组件、框、模块、电路、和步骤在上面是以其功能性的形式作一般化描述的。此类功能性是被实现为硬件还是软件取决于具体应用和施加于整体系统的设计约束。技术人员对于每种特定应用可用不同的方式来实现所描述的功能性，但这样的实现决策不应被解读成导致脱离了本发明的范围。
结合本文所公开的实施例描述的各种解说性逻辑板块、模块、和电路可用通 用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)、现场可编程门阵列(FPGA)或其它可编程逻辑器件、分立的门或晶体管逻辑、分立的硬件组件、或其设计成执行本文所描述功能的任何组合来实现或执行。通用处理器可以是微处理器，但在替换方案中，该处理器可以是任何常规的处理器、控制器、微控制器、或状态机。处理器还可以被实现为计算设备的组合，例如DSP与微处理器的组合、多个微处理器、与DSP核心协作的一个或多个微处理器、或任何其他此类配置。
结合本文中公开的实施例描述的方法或算法的步骤可直接在硬件中、在由处理器执行的软件模块中、或在这两者的组合中体现。软件模块可驻留在RAM存储器、闪存、ROM存储器、EPROM存储器、EEPROM存储器、寄存器、硬盘、可移动盘、CD-ROM、或本领域中所知的任何其他形式的存储介质中。示例性存储介质耦合到处理器以使得该处理器能从/向该存储介质读取和写入信息。在替换方案中，存储介质可以被整合到处理器。处理器和存储介质可驻留在ASIC中。ASIC可驻留在用户终端中。在替换方案中，处理器和存储介质可作为分立组件驻留在用户终端中。
在一个或多个示例性实施例中，所描述的功能可在硬件、软件、固件或其任何组合中实现。如果在软件中实现为计算机程序产品，则各功能可以作为一条或更多条指令或代码存储在计算机可读介质上或藉其进行传送。计算机可读介质包括计算机存储介质和通信介质两者，其包括促成计算机程序从一地向另一地转移的任何介质。存储介质可以是能被计算机访问的任何可用介质。作为示例而非限定，这样的计算机可读介质可包括RAM、ROM、EEPROM、CD-ROM或其它光盘存储、磁盘存储或其它磁存储设备、或能被用来携带或存储指令或数据结构形式的合意程序代码且能被计算机访问的任何其它介质。任何连接也被正当地称为计算机可读介质。例如，如果软件是使用同轴电缆、光纤电缆、双绞线、数字订户线(DSL)、或诸如红外、无线电、以及微波之类的无线技术从web网站、服务器、或其它远程源传送而来，则该同轴电缆、光纤电缆、双绞线、DSL、或诸如红外、无线电、以及微波之类的无线技术就被包括在介质的定义之中。如本文中所使用的盘(disk)和碟(disc)包括压缩碟(CD)、激光碟、光碟、数字多用碟(DVD)、软盘和蓝光碟，其中盘(disk)往往以磁的方式再现数据，而碟(disc)用激光以光学方式再现数据。上述的组合也应被包括在计算机可读介质的范围内。
提供对本公开的先前描述是为使得本领域任何技术人员皆能够制作或使用本公开。对本公开的各种修改对本领域技术人员来说都将是显而易见的，且本文中所定义的普适原理可被应用到其他变体而不会脱离本公开的精神或范围。由此，本公开并非旨在被限定于本文中所描述的示例和设计，而是应被授予与本文中所公开的原理和新颖性特征相一致的最广范围。

Claims (4)

  1. 一种支付方法，包括：
    支付终端以传输信号的形式向接收终端发送身份信息；
    所述接收终端向收单平台发送交易信息，所述交易信息包括所述身份信息；
    所述收单平台基于所述身份信息获得用于支付的第一支付账户的支付账户信息，并向结算平台发送支付请求；以及
    所述结算平台响应所述支付请求进行结算，所述支付请求包括所述第一支付账户的所述支付账户信息。
  2. 如权利要求1所述的支付方法，其特征在于，所述支付终端以传输信号的形式向接收终端发送身份信息包括：
    对所述身份信息进行编码，包括：
    先对所述身份信息进行加密；以及
    对经加密的所述身份信息进行所述编码；以及
    以所述传输信号的形式向所述接收终端发送经编码的所述身份信息。
  3. 如权利要求1所述的支付方法，其特征在于，所述收单平台基于所述身份信息获得用于支付的第一支付账户的支付账户信息具体包括：
    所述收单平台将所述身份信息转发至用户管理平台，包括：
    所述收单平台将电信号形式的所述身份信息转发给所述用户管理平台；以及
    所述用户管理平台对所述电信号执行解码，并对经解码的所述电信号执行解密以获得所述身份信息；
    所述用户管理平台对所述身份信息进行验证；
    若验证成功，则所述用户管理平台向所述收单平台发送所述第一支付账户的支付账户信息或者所述支付账户信息的账户关联信息；
    若验证失败，则所述用户管理平台向所述收单平台传送验证失败消息，以及
    响应于收到所述验证失败消息，所述收单平台将所述验证失败消息转发给所述接收终端。
  4. 如权利要求3所述的支付方法，其特征在于，所述用户管理平台与包括发
PCT/CN2015/082854 2014-04-30 2015-06-30 支付方法及支付系统 WO2015165426A1 (zh)

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