CN104134140A - Mobile phone payment system - Google Patents
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- CN104134140A CN104134140A CN201410350474.9A CN201410350474A CN104134140A CN 104134140 A CN104134140 A CN 104134140A CN 201410350474 A CN201410350474 A CN 201410350474A CN 104134140 A CN104134140 A CN 104134140A
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/40145—Biometric identity checks
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Abstract
The invention provides a mobile phone payment system, which has the advantages of being safer in transaction and optional in security levels. The mobile phone payment system comprises a mobile phone payment data processing center (1), a short message verification module (2), a fingerprint verification module (3), a voice verification module (4), a video verification module (5) and a remote payment server (6), wherein the short message verification module (2), the fingerprint verification module (3), the voice verification module (4) and the video verification module (5) are independent functional units built in a mobile phone and each comprise corresponding software and hardware; the fingerprint verification module (3) comprises a fingerprint sensor and a fingerprint analysis and comparison program; the voice verification module (4) comprises a microphone, a loudspeaker and a voice identification program; the video verification module (5) comprises a camera and a video identification program; and the short message verification module (2), the fingerprint verification module (3), the voice verification module (4) and the video verification module (5) are all uniformly controlled by the mobile phone payment data processing center (1).
Description
Technical field
The present invention relates to a kind of cell phone payment system.
Background technology
Mobile payment service is by the common mobile data value-added services application of releasing, being structured in mobile operation support system of mobile operator, mobile application service provider (MASP) and financial institution.Two interface C PU cards are a kind of CPU cards of simultaneously supporting contact and contactless two kinds of communication modes, and contact interface and non-contact interface share a CPU and control, and contact mode and noncontact mode are selected automatically.Card comprise a microprocessor chip and an aerial coil unit being connected with microprocessor or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce monetary payoff and capital transfer behavior, thereby realize mobile payment function.Mobile payment is merged terminal device, internet, application provider and financial institution mutually, for user provides the financial business such as monetary payoff, payment.Mobile payment, also referred to as mobile-phone payment, allows user to use its mobile terminal (normally mobile phone) consumed commodity or service to be carried out to a kind of method of service of account payment exactly.Unit or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce monetary payoff and capital transfer behavior, thereby realize mobile payment function.Mobile payment is merged terminal device, internet, application provider and financial institution mutually, for user provides the financial business such as monetary payoff, payment.
Mobile payment is mainly divided near field and pays and two kinds of remote payments, the payment of so-called near field, exactly with the mode of mobile phone card-brushing by bus, do shopping etc., very convenient.Remote payment refers to: by the modes of payments that sends payment instruction (as Net silver, telephone bank, mobile-phone payment etc.) or undertaken by the means of payment (as by mailing, remittance), as paid electric business in the palm of releasing in the palm, in the palm, supplement with money, in the palm, video etc. belongs to remote payment.Payment standards disunity has caused a lot of puzzlements to relevant popularization at present.The formulation work of mobile payment standard continued more than 3 years, was mainly that Unionpay and Liang great camp of China Mobile are in match.The report demonstration of the IDC of data research company, the amount of money of global mobile payment in 2017 will be broken through 1,000,000,000,000 dollars.Powerful data mean, a few years from now on whole world mobile payment service will present and continue enhancement trend, and in its behind, are each side's riding on a horse to enclose in this field of spurring on the flying horse.
Mobile payment service is by the common mobile data value-added services application of releasing, being structured in mobile operation support system of mobile operator, mobile application service provider (MASP) and financial institution.Mobile-payment system will be set up a payment account associated with its phone number for each mobile subscriber, and its function is equivalent to stored value card, for mobile subscriber provides an approach that carries out transaction payment and authentication by mobile phone.User is by calling, send note or using WAP function access mobile-payment system, mobile-payment system sends the requirement of this transaction to MASP, determine this time amount of money of transaction by MASP, and notify user by mobile-payment system, after user confirms, way of paying can realize by number of ways, as directly proceeded to bank, subscriber phone bill or debit on special account of advances in real time, these all will be completed by mobile-payment system (or cooperating with the host computer system of user and the MASP bank of deposit).Mobile payment tide have swept the globe domestic development need sincere cooperation.
The development of mobile terminal and mobile e-business is the important prerequisite that mobile payment develops rapidly.Show according to prediction net " 2013-2017 China's Internet of Things industry development prospect and the report of mobile payment field application requirement analysis " enquiry data, within 2011, China Mobile's E-commerce market transaction size is 156.7 hundred million yuan, increases by 609% on a year-on-year basis; Estimate that China Mobile's E-commerce market scale in 2012 will reach 251.5 hundred million yuan, will reach 1046.7 hundred million yuan by 2015.Along with the development of the universal and mobile e-business of mobile terminal, the also development prospect in good mobile payment market one after another of industry.
And mobile payment market speed of development in recent years is not failed to live up to the great expectations of industry yet.Research institution's data demonstration, China Mobile in 2011 payment market development is rapid, and annual turnover scale reaches 74,200,000,000 yuan, increases by 67.8% on a year-on-year basis; Mobile payment number of users increases by 26.4% to 1.87 hundred million family on a year-on-year basis.3 years mobile payment market of Yi Guan think tank future will keep fast-developing, and within 2014, transaction size will reach 3,850 hundred million yuan, and number of users will reach 3.87 hundred million families.
Along with the continuous aggravation of mobile payment industry competition, Large-scale Mobile pays M & A and integrates with capital operation increased, domestic outstanding mobile payment enterprise more and more payes attention to the research to industry market, the further investigation that particularly general trend to world's mobile payment industry development, external similar enterprise model development innovation, domestic enterprise's development environment and customer demand trend change.Large quantities of domestic outstanding mobile payment brands emerge rapidly, become gradually the outstanding figure in mobile payment industry Just because of this!
Mobile payment has become a large main flow function of smart mobile phone in 2012 undoubtedly.Stored value card, Square card reader and near-field communication technology in 2012 bright spot that all becomes smart mobile phone in mobile payment.
In 2012, mobile payment has developed into the aspect of installing and using mobile payment device in entity shop, also emerges thus a collection of enterprise also therefore gaining considerable fame taking mobile payment as main business.But carry out consumer sale because present consumer has been accustomed to use bank card, therefore mobile payment can't be accepted by consumers in general at short notice.
China has and exceedes 1,000,000,000 mobile phones, and Unionpay has and exceedes 2,000,000,000 cards, and 1,000 ten thousand signing businessmans, so the market outlook of mobile payment are well imagined.Because the development potentiality of mobile payment is huge, so heroes also rise in mobile payment industrial chain, telecom operators, Internet enterprises, payment manufacturer, bank etc. march mobile-phone payment field one after another, promote industry development and grow.The mobile Internet epoch are to be applied as king, and in the situation that mobile phone A PP application becomes increasingly abundant, the function of mobile payment is constantly being weeded out the old and bring forth the new.For example, third party's payment, bank etc. fall over each other to release Mobile phone payment client, the application such as Quick Response Code payment, wireless payment, voice payment, fingerprint payment, do shopping, the transaction class such as financing, service for life applies also in continuous appearance, greatly enriched the market applied environment of mobile payment in addition.
At present mobile payment has related to telecom operators, financial institution, third party and has paid the benefit clusters in many ways such as enterprise, application developers, equipment manufacturers, but due to the also not concrete appearance of mobile payment GB, payment standards is still deposited parameter, and standard is not put into effect and will be continued to suppress the sound development of mobile payment.
The appearance of the Square of mobile payment company of the U.S. has led a modes of payments revolution---and abandon loaded down with trivial details money transaction and the bank card of various a multitude of names, you only need a smart mobile phone or panel computer can complete payment; As the slogan of Square, whole process of exchange, cash-free, without card, without receipt.Including Square, GoogleWallet, PayPal and other NFC payment technologies are just leading us to move towards one without the paper bank note epoch.Bank service mobile, Simple has another name called BankSimple, is a comprehensive management of personal money instrument of being absorbed in mobile banking service.Apply by its iPhone, user just can complete the various operations such as deposit and withdraw, transfer accounts, and access bill is preserved with mobile phone photograph; You again need not run to the bank's number of getting queuing transacting business in person.
By with the whole America maximum organize Allpoint to cooperate without intermediary fee atm network, all operations of Simple is all used without any need for service charge.Its CEOJoshuaReich claims: " profit of current banking system maximum is from the puzzled service charge of various client of allowing, but not bank service itself.The aim of Simple is exactly to make client's banking simple and clear, and where all perfectly clear every a sum of money flower is.
Management of personal money application is mainstream demand, and but not popular to people one because they need the Bank Account Number of login user.But most people needs again to know how much oneself has, and need to have ' consultant ' tell his this flower of which money which should not spend.Still continue development perfect management of personal money instrument just will become this consultant, and by real time data such as the help people such as historical trading, the payment of line up/down make more accurate financial decision.”
2012, " ecommerce " 12 " development plan " that the Ministry of Industry and Information Technology of country (calling Ministry of Industry and Information in the following text) issues clearly proposes, during " 12 ", Electronic Commerce in China turnover will quadruple, break through 18 trillion yuan, wherein development priority just comprises, accelerates to promote demonstration and the penetration and promotion of the mobile e-business application such as mobile payment, public transport booking.
In the end of the year 2012, the first mobile payment standard of China is put into effect, is the financial industry mobile payment technical standard of being issued by People's Bank of China, and this standard has contained application foundation, safety guarantee, equipment, payment application, 35 standards of the large class of online general use 5.But, these standards are only in financial aspect, and other mobile payment standards based on the information-based means such as note, internet, do not put into effect all the time.It is reported, from now near field pay smart card can compatible kinds of schemes, as SIM card scheme, SD card scheme, two-sided telecommunications card etc.
Although the mobile intelligent terminal of China is counted, growth trend is swift and violent, and the demand of mobile payment is also growing, but insider Cai Ye summary thinks that the related industry in mobile payment field also will face following five large difficult points:
1, remote payment will continue, how transition within the following quite a while, how to carry out policy and standard guiding?
2, how believable platform is built, and how to build and whom builds credible service platform (TSM) by, where are standard and rule?
3, business disposal environment is built, and current six or seven thousand ten thousand trade companies only have 3,000,000 families to have POS machine, how to expedite the emergence of market?
4, industry ecological environmental construction, the whole industrial chains such as hardware, chip, fabrication and device fabrication will be got through, and vitalize.
5, industry service Model Design, comprises whole business model, technology mode, safe mode and regulatory format etc.
The foundation of mobile payment ecologic environment, is impossible only independently it is completed by any one or two enterprise, so must, by the mode of cooperation, just likely whole industry be done, reaches the situation of win-win progress.But the safety problem that cell phone of the prior art pays is not still well solved.In sum, be badly in need of at present wanting a kind of transaction safer, the optional cell phone payment system of safe class.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of transaction safer, the optional cell phone payment system of safe class.
For solving the problems of the technologies described above, technical scheme provided by the invention is: a kind of cell phone payment system, and it comprises mobile-phone payment data processing centre (DPC), short-message verification module, fingerprint authentication module, speech verification module, video verification module and remote payment server; The independently functional unit that described short-message verification module, fingerprint authentication module, speech verification module and video verification module is embedded in mobile phone, includes corresponding software and hardware; Wherein said fingerprint authentication module comprises fingerprint sensor and fingerprint analysis and compares program; Described speech verification module comprises microphone, loudspeaker and speech recognition program; Described video verification module comprises camera and video identification program; Described short-message verification module, fingerprint authentication module, speech verification module and video verification module controlled by mobile-phone payment data processing centre (DPC) is unified; The level of security of described short-message verification module, fingerprint authentication module, speech verification module and video verification module increases progressively successively, and the customer transaction amount of money is larger, and the module that at every turn will verify is just more; Highest level is that four security modules all need checking; Described mobile-phone payment data processing centre (DPC) is connected with remote payment server by base station or satellite.
Adopt after said structure, tool of the present invention has the following advantages: it comprises mobile-phone payment data processing centre (DPC), short-message verification module, fingerprint authentication module, speech verification module, video verification module and remote payment server; The independently functional unit that described short-message verification module, fingerprint authentication module, speech verification module and video verification module is embedded in mobile phone, includes corresponding software and hardware; Wherein said fingerprint authentication module comprises fingerprint sensor and fingerprint analysis and compares program; Described speech verification module comprises microphone, loudspeaker and speech recognition program; Described video verification module comprises camera and video identification program; Described short-message verification module, fingerprint authentication module, speech verification module and video verification module controlled by mobile-phone payment data processing centre (DPC) is unified; The level of security of described short-message verification module, fingerprint authentication module, speech verification module and video verification module increases progressively successively, and the customer transaction amount of money is larger, and the module that at every turn will verify is just more; Highest level is that four security modules all need checking; Described mobile-phone payment data processing centre (DPC) is connected with remote payment server by base station or satellite.The security module of four ranks, can apply in a flexible way according to user's dealing money combination.The larger module of checking that requires of the amount of money of customer transaction is just more.In sum, the invention provides a kind of transaction safer, the optional cell phone payment system of safe class.
Brief description of the drawings
Fig. 1 is the structure block diagram of cell phone payment system in the present invention.
As shown in the figure: 1, mobile-phone payment data processing centre (DPC), 2, short-message verification module, 3, fingerprint authentication module, 4, speech verification module, 5, video verification module, 6, remote payment server.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
By reference to the accompanying drawings 1, a kind of cell phone payment system, it comprises mobile-phone payment data processing centre (DPC) 1, short-message verification module 2, fingerprint authentication module 3, speech verification module 4, video verification module 5 and remote payment server 6; The independently functional unit that described short-message verification module 2, fingerprint authentication module 3, speech verification module 4 and video verification module 5 is embedded in mobile phone, includes corresponding software and hardware; Wherein said fingerprint authentication module 3 comprises fingerprint sensor and fingerprint analysis and compares program; Described speech verification module 4 comprises microphone, loudspeaker and speech recognition program; Described video verification module 5 comprises camera and video identification program; Described short-message verification module 2, fingerprint authentication module 3, speech verification module 4 and video verification module 5 controlled by mobile-phone payment data processing centre (DPC) 1 is unified; The level of security of described short-message verification module 2, fingerprint authentication module 3, speech verification module 4 and video verification module 5 increases progressively successively, and the customer transaction amount of money is larger, and the module that at every turn will verify is just more; Highest level is that four security modules all need checking; Described mobile-phone payment data processing centre (DPC) 1 is connected with remote payment server 6 by base station or satellite.In the hardware prior art of described short-message verification module 2, fingerprint authentication module 3, speech verification module 4 and video verification module 5 correspondences, have ripe hardware product, described software has a variety of implementation languages.Described level of security can be by following grade setting, and the single transaction amount of money only need to be by the checking of short-message verification code lower than 2000; Dealing money needs fingerprint authentication between 2000 to 10000 time; Dealing money needs real-time voice checking between 10000 to 100000 time; The word that described speech verification is sent by the bright read apparatus of user, then does voice print analysis by system; Dealing money is greater than needs real-time video checking in 100,000 o'clock, and mobile-phone payment data processing centre (DPC) gathers user's face data, comprises face and iris information, sends to remote payment server, compares with the data of prior registration.Also in the time that having problem, comparison data above-mentioned four security modules can be used in combination in addition.
Above the present invention and embodiment thereof are described, this description does not have restricted, and shown in accompanying drawing is also one of embodiments of the present invention, and actual structure is not limited to this.If generally speaking those of ordinary skill in the art is enlightened by it, in the situation that not departing from the invention aim, without the creationary frame mode similar to this technical scheme and the embodiment of designing, all should belong to protection scope of the present invention.
Claims (1)
1. a cell phone payment system, is characterized in that: it comprises mobile-phone payment data processing centre (DPC) (1), short-message verification module (2), fingerprint authentication module (3), speech verification module (4), video verification module (5) and remote payment server (6); The independently functional unit that described short-message verification module (2), fingerprint authentication module (3), speech verification module (4) and video verification module (5) is embedded in mobile phone, includes corresponding software and hardware; Wherein said fingerprint authentication module (3) comprises fingerprint sensor and fingerprint analysis and compares program; Described speech verification module (4) comprises microphone, loudspeaker and speech recognition program; Described video verification module (5) comprises camera and video identification program; Described short-message verification module (2), fingerprint authentication module (3), speech verification module (4) and video verification module (5) controlled by mobile-phone payment data processing centre (DPC) (1) is unified; The level of security of described short-message verification module (2), fingerprint authentication module (3), speech verification module (4) and video verification module (5) increases progressively successively, the customer transaction amount of money is larger, and the module that at every turn will verify is just more; Highest level is that four security modules all need checking; Described mobile-phone payment data processing centre (DPC) (1) is connected with remote payment server (6) by base station or satellite.
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| CN201410350474.9A CN104134140A (en) | 2014-07-23 | 2014-07-23 | Mobile phone payment system |
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| CN201410350474.9A CN104134140A (en) | 2014-07-23 | 2014-07-23 | Mobile phone payment system |
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105488925A (en) * | 2016-01-11 | 2016-04-13 | 靳玉清 | Multifunctional mobile POS machine and application method thereof |
| CN106296185A (en) * | 2015-05-12 | 2017-01-04 | 湖南人文科技学院 | A kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic |
| CN106485100A (en) * | 2016-11-07 | 2017-03-08 | 惠州经济职业技术学院 | A kind of method of internet computer software lock and its service system |
| CN106651347A (en) * | 2016-10-09 | 2017-05-10 | 邹城众达知识产权咨询服务有限公司 | Telecommunication fraud and theft preventive financial trading system and the trading method thereof |
| CN107194687A (en) * | 2017-05-18 | 2017-09-22 | 赵桂银 | A kind of quick paying method and device |
| CN107358439A (en) * | 2017-07-07 | 2017-11-17 | 广东欧珀移动通信有限公司 | Applied payment method, device and terminal equipment |
| CN107451817A (en) * | 2017-07-03 | 2017-12-08 | 广东欧珀移动通信有限公司 | Terminal payment verification method and device, terminal and computer-readable storage medium |
| CN107491745A (en) * | 2017-07-31 | 2017-12-19 | 广东欧珀移动通信有限公司 | Information processing method and related product |
| CN107578233A (en) * | 2017-08-23 | 2018-01-12 | 中国地质大学（武汉） | A two-dimensional code information leakage prevention method, device and storage device thereof |
| CN108665563A (en) * | 2018-01-29 | 2018-10-16 | 西安艾润物联网技术服务有限责任公司 | Parking fee method of payment, system and storage medium |
| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
| CN109015690A (en) * | 2018-08-31 | 2018-12-18 | 中通天鸿（北京）通信科技股份有限公司 | active interactive dialogue robot system and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296185A (en) * | 2015-05-12 | 2017-01-04 | 湖南人文科技学院 | A kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic |
| CN105488925A (en) * | 2016-01-11 | 2016-04-13 | 靳玉清 | Multifunctional mobile POS machine and application method thereof |
| CN106651347A (en) * | 2016-10-09 | 2017-05-10 | 邹城众达知识产权咨询服务有限公司 | Telecommunication fraud and theft preventive financial trading system and the trading method thereof |
| CN106485100A (en) * | 2016-11-07 | 2017-03-08 | 惠州经济职业技术学院 | A kind of method of internet computer software lock and its service system |
| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
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| CN107358439A (en) * | 2017-07-07 | 2017-11-17 | 广东欧珀移动通信有限公司 | Applied payment method, device and terminal equipment |
| CN107491745A (en) * | 2017-07-31 | 2017-12-19 | 广东欧珀移动通信有限公司 | Information processing method and related product |
| CN107578233A (en) * | 2017-08-23 | 2018-01-12 | 中国地质大学（武汉） | A two-dimensional code information leakage prevention method, device and storage device thereof |
| CN107578233B (en) * | 2017-08-23 | 2020-10-30 | 中国地质大学（武汉） | Two-dimensional code information leakage prevention method and device and storage device thereof |
| CN108665563A (en) * | 2018-01-29 | 2018-10-16 | 西安艾润物联网技术服务有限责任公司 | Parking fee method of payment, system and storage medium |
| CN109015690A (en) * | 2018-08-31 | 2018-12-18 | 中通天鸿（北京）通信科技股份有限公司 | active interactive dialogue robot system and method |
| CN109015690B (en) * | 2018-08-31 | 2022-01-28 | 中通天鸿（北京）通信科技股份有限公司 | Active interactive dialogue robot system and method |
| WO2021082472A1 (en) * | 2019-11-01 | 2021-05-06 | 苏宁易购集团股份有限公司 | Shopping method, device and system |
| CN110942317A (en) * | 2019-12-31 | 2020-03-31 | 中国银行股份有限公司 | Safety tool recommendation method and device |
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