CN103617523A - Method and system for mobile payment - Google Patents
Method and system for mobile payment Download PDFInfo
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- CN103617523A CN103617523A CN201310658560.1A CN201310658560A CN103617523A CN 103617523 A CN103617523 A CN 103617523A CN 201310658560 A CN201310658560 A CN 201310658560A CN 103617523 A CN103617523 A CN 103617523A
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- 238000000034 method Methods 0.000 title claims abstract description 18
- 238000004891 communication Methods 0.000 claims description 10
- 238000012856 packing Methods 0.000 claims description 4
- 230000001755 vocal effect Effects 0.000 claims description 4
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 4
- 230000009286 beneficial effect Effects 0.000 description 2
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- 238000005516 engineering process Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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Abstract
The invention discloses a method for mobile payment. The method comprises the steps that S1, an acquiring party server carries out payment operation on a selling party account through a mobile terminal, and the operation result is returned to a selling party MIS server corresponding to the selling party account; S2, the selling party MIS server generates a two-dimension code shopping receipt according to the operation result, and the two-dimension code shopping receipt is sent to the mobile terminal and displayed; S3, a counter terminal reads the two-dimension code shopping receipt displayed by the mobile terminal, obtains second receipt information and sends the second receipt information to the selling party MIS server, the two-dimension code shopping receipt received by the selling party MIS server and the generated two-dimension code shopping receipt are compared, and when comparison succeeds, commodities are paid. The invention discloses a system for mobile payment.
Description
Technical field
The present invention relates to computer application field, relate in particular to a kind of method of mobile payment and system.
Background technology
In emporium shopping, all need the cashier payment of queuing up at present, to cashier settle accounts length consuming time, formality is loaded down with trivial details, client need to come and go between special counter and cashier, having affected shopping experience.
Summary of the invention
For addressing the above problem, the technical scheme that the present invention adopts is:
A kind of method of mobile payment is provided, comprises step: S1, acquirer's server carry out the delivery operation of mobile terminal to seller account, and operating result is back to the seller mis system server corresponding with seller account; S2, seller mis system server generate the Quick Response Code shopping receipt that comprises acknowledgement information and are sent to mobile terminal according to operating result and show; The Quick Response Code shopping receipt that S3, counter terminal read mobile terminal demonstration obtains the second acknowledgement information, and send it to seller mis system server, the acknowledgement information that the second acknowledgement information that seller mis system server receives and seller mis system server generate is compared, and when comparing successfully, confirms that commodity pay.
Another technical solution used in the present invention is:
A kind of mobile-payment system is provided, comprises acquirer's server, mobile terminal, seller mis system server and the counter terminal being connected with seller mis system server communication; Described acquirer's server is used for carrying out the delivery operation of mobile terminal to seller account, and operating result is back to the seller mis system server corresponding with seller account; Described seller mis system server comprises receipt generation module and payment affirmation module, and receipt generation module shows for generating the Quick Response Code shopping receipt that comprises acknowledgement information according to operating result and being sent to mobile terminal; Described counter terminal obtains the second acknowledgement information for reading the Quick Response Code shopping receipt of mobile terminal demonstration, and sends it to seller mis system server; Described payment affirmation module is used for the acknowledgement information of the second acknowledgement information receiving and the generation of receipt generation module to compare, and when comparing successfully, confirms that commodity have paid and sent confirmation to counter terminal.
Beneficial effect of the present invention is, be different from the market merchandise control payment system of prior art, user's payment and settlement duration, the defect that formality is loaded down with trivial details, a kind of method of mobile payment of the present invention and system, buying side is when market shopping, mobile terminal is opened the commodity link of seller mis system server by scanning Quick Response Code or is opened acquirer's server chain that seller opens and fetches and obtain payment and generate payment information, acquirer's server completes after the payment of seller account, seller mis system server generates Quick Response Code shopping receipt and is sent to mobile terminal according to operating result, the Quick Response Code shopping receipt that counter terminal reads mobile terminal demonstration obtains the second acknowledgement information, and the acknowledgement information that sends it to seller mis system server and formerly generation is compared, and when comparing successfully, confirm that commodity pay.Realized under buying side's market shopping sight and used mobile terminal directly to pay, promoted when paying experience and can guarantee consumer's account safety again, and save market manpower and materials.
Accompanying drawing explanation
Fig. 1 is the system architecture diagram of a kind of mobile-payment system in first embodiment of the invention;
Fig. 2 is the system architecture diagram of a kind of mobile-payment system in second embodiment of the invention;
Fig. 3 is the flowchart of a kind of method of mobile payment in an embodiment of the present invention.
Main element symbol description
Embodiment
By describing technology contents of the present invention, structural attitude in detail, being realized object and effect, below in conjunction with embodiment and coordinate accompanying drawing to be explained in detail.
Refer to Fig. 1, Fig. 2, Fig. 1 is the system architecture diagram of a kind of mobile-payment system in first embodiment of the invention.Referring to Fig. 2 is the system architecture diagram of a kind of mobile-payment system in second embodiment of the invention.
A kind of mobile-payment system 100 comprises acquirer's server 10, mobile terminal 20, seller mis system server 30 and the counter terminal 40 communicating to connect with seller mis system server 30.
Described acquirer's server 10 is for carrying out the delivery operation of 20 pairs of seller accounts of mobile terminal, and operating result is back to the seller mis system server 30 corresponding with seller account.
Described seller mis system server 30 comprises receipt generation module and payment affirmation module.Receipt generation module shows for generating the Quick Response Code shopping receipt comprise acknowledgement information according to operating result and being sent to mobile terminal 20, and described acknowledgement information comprises buys successful commodity ID, quantity, dealing money and authorization information (similar identifying code) etc.Described counter terminal 40 obtains the second acknowledgement information for reading the Quick Response Code shopping receipt of mobile terminal demonstration, and sends it to seller mis system server.Described payment affirmation module is used for the acknowledgement information of the second acknowledgement information receiving and the generation of receipt generation module to compare, and when comparing successfully, confirms that commodity have paid and sent confirmation to counter terminal.
In the first embodiment, described mobile terminal 20 comprises link block and the first generation module.Shopping ad Hoc wireless network and seller mis system server 30 communication connections of link block for arranging by seller.The first generation module is positioned at the commodity link of seller mis system server 30 and obtains payment for opening by scanning Quick Response Code, generate payment information and payment information is sent to seller mis system server 30 by network, described payment information comprises payment account information, payment account authentication information, payment.Described Quick Response Code, for marked articles, stores described commodity chained address.Described seller mis system server 30 also comprises payment sending module, for payment information and seller accounts information being sent to acquirer's server 10 by DDN special line.Described acquirer's server 10 is for carrying out delivery operation according to payment information and seller accounts information, and operating result is back to the seller mis system server corresponding with seller account.
In the second embodiment, described mobile terminal 20 comprises the second generation module, for obtaining payment information by scanning Quick Response Code and opening acquirer's server that seller opens, link, generate payment information and be sent to acquirer's server, described payment information comprises payment account information, payment account authentication information, payment.Described Quick Response Code is for marked articles, and storing ，Gai chained address, described acquirer's server chained address is that seller is in advance by setting up seller account open-minded at acquirer's server 10.Described acquirer's server 10 for according to payment information and with open the seller accounts information that described acquirer's server links and carry out delivery operation, and operating result is back to the seller mis system server 30 corresponding with seller account.
Wherein, described the first generation module or the second generation module comprise payment account acquisition of information module, payment account authentication information acquisition module, payment information generation module.Payment account acquisition of information module is used for using local digital certificate or obtains described payment account information by card reader, and wherein, described card reader is the card reader that mobile terminal passes through USB, NFC, audio port or Bluetooth communication; Payment account authentication information acquisition module is for obtaining described payment account authentication information by obtaining character password, fingerprint, vocal print or authentication note; Payment information generation module is for generating payment information by the payment of obtaining, payment account information and the packing of payment account authentication information.
Below the technical scheme of a kind of method of mobile payment of the present invention is set forth.Should be applied in above-mentioned mobile-payment system based on method of mobile payment.Referring to Fig. 2, is the flowchart of a kind of method of mobile payment in an embodiment of the present invention.This method of mobile payment comprises step:
Step S1, acquirer's server carry out the delivery operation of mobile terminal to seller account, and operating result is back to the seller mis system server corresponding with seller account;
Step S2, seller mis system server generate the Quick Response Code shopping receipt that comprises acknowledgement information and are sent to mobile terminal according to operating result and show;
The Quick Response Code shopping receipt that step S3, counter terminal read mobile terminal demonstration obtains the second acknowledgement information, and send it to seller mis system server, the acknowledgement information that the Quick Response Code shopping receipt that seller mis system server receives and seller mis system server generate is compared, and when comparing successfully, confirms that commodity pay.
In the first embodiment, described step S1 comprises step:
The shopping ad Hoc wireless network that S11, mobile terminal arrange by seller is connected with seller mis system server communication, by scanning Quick Response Code, open the commodity link that is positioned at seller mis system server and obtain payment, generate payment information and payment information is sent to seller mis system server by network, described payment information comprises payment account information, payment account authentication information, payment;
S12, seller mis system server are sent to acquirer's server by DDN special line by payment information and seller accounts information, acquirer's server carries out delivery operation according to payment information and seller accounts information, and operating result is back to the seller mis system server corresponding with seller account.
In the second embodiment, described step S1 comprises step:
S13, mobile terminal obtain payment information by scanning Quick Response Code and open acquirer's server link that seller opens and obtain payment, generate payment information and be sent to acquirer's server, described payment information comprises payment account information, payment account authentication information, payment;
S14, acquirer's server according to payment information and with open the seller accounts information that described acquirer's server links and carry out delivery operation, and operating result is back to the seller mis system server corresponding with seller account.
In above-mentioned the first embodiment and the second embodiment, described " generation payment information " specifically comprises step:
S131, mobile terminal are used local digital certificate or obtain described payment account information by card reader, and wherein, described card reader is the card reader that mobile terminal passes through USB, NFC, audio port or Bluetooth communication;
S132, mobile terminal obtain described payment account authentication information by obtaining character password, fingerprint, vocal print or authentication note;
S133, mobile terminal generate payment information by the payment of obtaining, payment account information and the packing of payment account authentication information.
Beneficial effect of the present invention is, be different from the market merchandise control payment system of prior art, user's payment and settlement duration, the defect that formality is loaded down with trivial details, a kind of method of mobile payment of the present invention and system, buying side is when market shopping, mobile terminal is opened the commodity link of seller mis system server by scanning Quick Response Code or is opened acquirer's server chain that seller opens and fetches and obtain payment and generate payment information, acquirer's server completes after the payment of seller account, seller mis system server generates Quick Response Code shopping receipt and is sent to mobile terminal according to operating result, the Quick Response Code shopping receipt that counter terminal reads mobile terminal demonstration obtains the second acknowledgement information, and the Quick Response Code shopping receipt that sends it to seller mis system server and formerly generation is compared, and when comparing successfully, confirm that commodity pay.Realized under buying side's market shopping sight and used mobile terminal directly to pay, promoted when paying experience and can guarantee consumer's account safety again, and save market manpower and materials.
The foregoing is only embodiments of the invention; not thereby limit the scope of the claims of the present invention; every equivalent structure or conversion of equivalent flow process that utilizes instructions of the present invention and accompanying drawing content to do; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (8)
1. a method of mobile payment, is characterized in that, comprises step:
S1, acquirer's server carry out the delivery operation of mobile terminal to seller account, and operating result is back to the seller mis system server corresponding with seller account;
S2, seller mis system server generate the Quick Response Code shopping receipt that comprises acknowledgement information and are sent to mobile terminal according to operating result and show;
The Quick Response Code shopping receipt that S3, counter terminal read mobile terminal demonstration obtains the second acknowledgement information, and send it to seller mis system server, seller mis system server is compared the acknowledgement information of the second acknowledgement information receiving and the generation of seller mis system server, and when comparing successfully, confirms that commodity pay.
2. a kind of method of mobile payment according to claim 1, is characterized in that, described step S1 comprises step:
The shopping ad Hoc wireless network that S11, mobile terminal arrange by seller is connected with seller mis system server communication, by scanning Quick Response Code, open the commodity link that is positioned at seller mis system server and obtain payment, generate payment information and payment information is sent to seller mis system server by network, described payment information comprises payment account information, payment account authentication information, payment;
S12, seller mis system server are sent to acquirer's server by DDN special line by payment information and seller accounts information, acquirer's server carries out delivery operation according to payment information and seller accounts information, and operating result is back to the seller mis system server corresponding with seller account.
3. a kind of method of mobile payment according to claim 1, is characterized in that, described step S1 comprises step:
S13, mobile terminal obtain payment information by scanning Quick Response Code and open acquirer's server link that seller opens and obtain payment, generate payment information and be sent to acquirer's server, described payment information comprises payment account information, payment account authentication information, payment;
S14, acquirer's server according to payment information and with open the seller accounts information that described acquirer's server links and carry out delivery operation, and operating result is back to the seller mis system server corresponding with seller account.
4. according to a kind of method of mobile payment described in claim 2 or 3 any one, it is characterized in that, described " generation payment information " specifically comprises step:
S131, mobile terminal are used local digital certificate or obtain described payment account information by card reader, and wherein, described card reader is the card reader that mobile terminal passes through USB, NFC, audio port or Bluetooth communication;
S132, mobile terminal obtain described payment account authentication information by obtaining character password, fingerprint, vocal print or authentication note;
S133, mobile terminal generate payment information by the payment of obtaining, payment account information and the packing of payment account authentication information.
5. a mobile-payment system, is characterized in that, comprises acquirer's server, mobile terminal, seller mis system server and the counter terminal being connected with seller mis system server communication;
Described acquirer's server is used for carrying out the delivery operation of mobile terminal to seller account, and operating result is back to the seller mis system server corresponding with seller account;
Described seller mis system server comprises receipt generation module and payment affirmation module, and receipt generation module shows for generating the Quick Response Code shopping receipt that comprises acknowledgement information according to operating result and being sent to mobile terminal;
Described counter terminal is obtained the second acknowledgement information for reading the Quick Response Code shopping receipt of mobile terminal demonstration, and sends it to seller mis system server;
Described payment affirmation module is used for the acknowledgement information of the second acknowledgement information receiving and the generation of receipt generation module to compare, and when comparing successfully, confirms that commodity have paid and sent confirmation to counter terminal.
6. a kind of mobile-payment system according to claim 5, is characterized in that, described mobile terminal comprises:
Link block, is connected with seller mis system server communication for the shopping ad Hoc wireless network arranging by seller; And
The first generation module, payment is obtained in the commodity link that is positioned at seller mis system server for opening by scanning Quick Response Code, generate payment information and payment information is sent to seller mis system server by network, described payment information comprises payment account information, payment account authentication information, payment;
Described seller mis system server also comprises payment sending module, for payment information and seller accounts information being sent to acquirer's server by DDN special line;
Described acquirer's server is used for carrying out delivery operation according to payment information and seller accounts information, and operating result is back to the seller mis system server corresponding with seller account.
7. a kind of mobile-payment system according to claim 5, it is characterized in that, described mobile terminal comprises the second generation module, for obtaining payment information by scanning Quick Response Code and opening acquirer's server that seller opens, link, generate payment information and be sent to acquirer's server, described payment information comprises payment account information, payment account authentication information, payment;
Described acquirer's server for according to payment information and with open the seller accounts information that described acquirer's server links and carry out delivery operation, and operating result is back to the seller mis system server corresponding with seller account.
8. according to a kind of mobile-payment system described in claim 6 or 7 any one, it is characterized in that, described the first generation module or the second generation module comprise:
Payment account acquisition of information module, for using local digital certificate or obtaining described payment account information by card reader, wherein, described card reader is the card reader that mobile terminal passes through USB, NFC, audio port or Bluetooth communication;
Payment account authentication information acquisition module, for obtaining described payment account authentication information by obtaining character password, fingerprint, vocal print or authentication note;
Payment information generation module, for generating payment information by the payment of obtaining, payment account information and the packing of payment account authentication information.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310658560.1A CN103617523A (en) | 2013-12-09 | 2013-12-09 | Method and system for mobile payment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310658560.1A CN103617523A (en) | 2013-12-09 | 2013-12-09 | Method and system for mobile payment |
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| CN103617523A true CN103617523A (en) | 2014-03-05 |
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| CN201310658560.1A Pending CN103617523A (en) | 2013-12-09 | 2013-12-09 | Method and system for mobile payment |
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| CN104486302A (en) * | 2014-12-03 | 2015-04-01 | 张家港智帆技术咨询有限公司 | Mobile transaction security authentication method |
| CN104852966A (en) * | 2015-04-21 | 2015-08-19 | 小米科技有限责任公司 | Numerical value transfer method, terminal and cloud server |
| WO2015158286A1 (en) * | 2014-04-16 | 2015-10-22 | 深圳市亚略特生物识别科技有限公司 | Mobile terminal payment method based on fingerprint recognition |
| CN109146476A (en) * | 2018-08-01 | 2019-01-04 | 山东浪潮商用系统有限公司 | A kind of method of payment, server-side, application end and payment system |
| CN110033318A (en) * | 2019-03-28 | 2019-07-19 | 莆田学院 | A kind of merchandise sales statistical method and system |
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| CN110033318A (en) * | 2019-03-28 | 2019-07-19 | 莆田学院 | A kind of merchandise sales statistical method and system |
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Application publication date: 20140305 |