WO2016173082A1 - Procédé et dispositif de traitement de paiements - Google Patents

Procédé et dispositif de traitement de paiements Download PDF

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Publication number
WO2016173082A1
WO2016173082A1 PCT/CN2015/080512 CN2015080512W WO2016173082A1 WO 2016173082 A1 WO2016173082 A1 WO 2016173082A1 CN 2015080512 W CN2015080512 W CN 2015080512W WO 2016173082 A1 WO2016173082 A1 WO 2016173082A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
information
verification information
server
payee
Prior art date
Application number
PCT/CN2015/080512
Other languages
English (en)
Chinese (zh)
Inventor
陈功国
袁宁
韦钺
Original Assignee
中兴通讯股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2016173082A1 publication Critical patent/WO2016173082A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the receiving, by the first terminal, the payee information pushed by the server according to the verification information comprises: receiving, by the first terminal, the server according to the verification within a first predetermined time The payee information pushed by the information.
  • the first receiving module includes: the first terminal receiving the payee information pushed by the server according to the verification information within a first predetermined time.
  • the first terminal is used to send the verification information to the server; the first terminal broadcasts the verification information by using Bluetooth; the first terminal receives the payee information pushed by the server according to the verification information.
  • the payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth; the first terminal performs payment processing according to the payee information, and solves the related art. There is a problem that the payment cannot be made safely and conveniently, and the payment effect is safe and convenient.
  • FIG. 6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention.
  • FIG. 6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention.
  • the apparatus may be applied to a second terminal, and the second terminal may be a payee terminal.
  • the apparatus includes a second The receiving module 62 and the transmitting module 64 are described below.
  • terminal A After terminal A (same terminal as above) enters the payment interface, terminal A automatically generates random transaction verification information and sends it to the server, and terminal A automatically broadcasts the transaction verification information through low-power Bluetooth.
  • terminal B After receiving the payment interface, the terminal B (same terminal as the second terminal) receives the transaction verification information through Bluetooth. And the terminal A that sends the transaction verification information is automatically calculated by the Bluetooth signal strength value, and when the terminal B determines that the accumulated close time with the terminal A exceeds a predetermined value, the transaction verification information is immediately sent to the server.
  • FIG. 10 is a flowchart of operations in the terminal A according to an embodiment of the present invention.
  • FIG. 11 is a flowchart of operations in the terminal B according to an embodiment of the present invention.
  • FIG. 10 includes the following steps:

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé et un dispositif de traitement de paiements. Le procédé comporte les étapes suivantes: un premier terminal envoie des informations de validation à un serveur; le premier terminal diffuse les informations de validation en employant Bluetooth; le premier terminal reçoit des informations de bénéficiaire distribuées sélectivement par le serveur d'après les informations de validation, les informations de bénéficiaire étant envoyées au serveur par un deuxième terminal qui reçoit les informations de validation en employant Bluetooth; et le premier terminal effectue le traitement du paiement d'après les informations de bénéficiaire. La présente invention résout le problème de la non réalisation d'un paiement sûr, commode et rapide dans la technique apparentée, ce qui donne lieu à un paiement sûr, commode et rapide.
PCT/CN2015/080512 2015-04-28 2015-06-01 Procédé et dispositif de traitement de paiements WO2016173082A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201510208629.XA CN106157021A (zh) 2015-04-28 2015-04-28 付款处理方法及装置
CN201510208629.X 2015-04-28

Publications (1)

Publication Number Publication Date
WO2016173082A1 true WO2016173082A1 (fr) 2016-11-03

Family

ID=57198887

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/080512 WO2016173082A1 (fr) 2015-04-28 2015-06-01 Procédé et dispositif de traitement de paiements

Country Status (2)

Country Link
CN (1) CN106157021A (fr)
WO (1) WO2016173082A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805553A (zh) * 2017-04-27 2018-11-13 上海慧流云计算科技有限公司 一种支付信息处理方法及装置

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111149313B (zh) * 2018-04-04 2021-05-18 华为技术有限公司 一种数据传输方法及设备
CN110517036A (zh) * 2019-08-29 2019-11-29 湖南工学院 一种二维码付款防盗刷支付的方法及装置

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102081769A (zh) * 2009-11-27 2011-06-01 阿里巴巴集团控股有限公司 支付数据处理方法、系统、支付终端及支付服务器
CN201984575U (zh) * 2010-03-24 2011-09-21 李勇 一种蓝牙支付装置
CN103903140A (zh) * 2014-03-14 2014-07-02 福建联迪商用设备有限公司 一种o2o安全支付方法、系统和一种安全支付后台

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101771754B (zh) * 2008-12-31 2014-04-23 北京联想软件有限公司 一种移动终端及其近场通信的方法
CN103530770B (zh) * 2013-09-09 2017-08-18 金子光 一种手机一键付款方法

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102081769A (zh) * 2009-11-27 2011-06-01 阿里巴巴集团控股有限公司 支付数据处理方法、系统、支付终端及支付服务器
CN201984575U (zh) * 2010-03-24 2011-09-21 李勇 一种蓝牙支付装置
CN103903140A (zh) * 2014-03-14 2014-07-02 福建联迪商用设备有限公司 一种o2o安全支付方法、系统和一种安全支付后台

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805553A (zh) * 2017-04-27 2018-11-13 上海慧流云计算科技有限公司 一种支付信息处理方法及装置

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