CN104166909B - Automatic payment system and method for mobile terminal - Google Patents

Abstract

Provided are a mobile terminal automatic payment system and method. The mobile terminal automatic payment system includes: merchants, whose consumption units are provided with identification codes, and the identification codes identify the identity of the merchants and the identity of the consumption units; the mobile terminal of the user obtains the identification code set on the consumption units of the merchants and obtains The identification code is sent to the application server; the application server receives the identification code from the user's mobile terminal, sends the consumption list calculation request corresponding to the received identification code to the corresponding merchant to receive the consumption list information from the corresponding merchant, and returns the consumption list information To the user's mobile terminal; payment platform, through the payment platform, the user's mobile terminal completes the payment according to the returned consumption list.

Description

Mobile terminal automatic payment system and method

technical field

The invention relates to an automatic payment of a mobile terminal, and more specifically, to an automatic payment system and an automatic payment method of a mobile terminal.

Background technique

In people's consumption activities based on production and life, daily payment is a common consumption method. The traditional service industry employs waiters to complete the payment operation. However, hiring a waiter to complete the billing operation obviously consumes a lot of manpower and material resources, and it takes a long time to wait for the bill to be paid during the peak consumption period.

Recently, some merchants (restaurants) have provided an integrated order-payment system. Through the internal network of the merchant, the order of the consumer on the terminal is transmitted to the kitchen. After confirmation by the chef, the consumption list and bill are generated in the background, and the consumer completes the consumption. Afterwards, it is fed back to the consumer, and the consumer can pay on the payment terminal and print the payment voucher.

However, the integrated order-payment system has higher requirements on merchants, requiring each merchant to be equipped with a complete set of equipment, which increases the cost of merchants. Moreover, the system is not universal, and the systems equipped by various merchants will be different, and consumers need to relearn in different merchants.

Therefore, there is a need for a universal and convenient automatic payment method and system.

Contents of the invention

The purpose of the present invention is to provide a unified payment platform irrelevant to merchants.

In order to achieve the above object, a mobile terminal automatic payment system is provided, including: merchants, the consumption units of the merchants are provided with identification codes, and the identification codes identify the identity of the merchant and the identity of the consumption unit; Set the identification code on the unit and send the obtained identification code to the application server; the application server receives the identification code from the user's mobile terminal, and sends the consumption list calculation request corresponding to the received identification code to the corresponding merchant to receive consumption from the corresponding merchant. List information, and return the consumption list information to the user's mobile terminal; the payment platform, through the payment platform, the user's mobile terminal completes the payment according to the returned consumption list.

An APP application program is installed in the user's mobile terminal, and the identification code is a two-dimensional code, wherein the user's mobile terminal scans the two-dimensional code set on the consumption unit through the APP application program, and then sends the scanned two-dimensional code to the application server.

An optical character recognition module is installed in the user's mobile terminal, and the identification code is a unit identification character, wherein the user's mobile terminal recognizes the unit identification character set on the consumption unit through the optical character recognition module, and then sends the recognized unit identification character to the application server.

An input unit is installed in the mobile terminal of the user, and the identification code is a character identifying the identity of the merchant and the identity of the consumption unit, wherein the input unit of the mobile terminal of the user receives the identity of the merchant and the identity of the consumption unit manually input by the user characters, and then the user mobile terminal sends the input characters to the application server.

The application server receives the consumption list information from the corresponding merchant by sending the consumption list calculation request including the consumption unit identity included in the received identification code to the corresponding merchant. The payment information received by the mobile terminal is transmitted to the corresponding merchant, so as to receive a confirmation message from the corresponding merchant.

A mobile terminal automatic payment method is provided, comprising: the user's mobile terminal acquires an identification code set on a merchant's consumption unit and sends the acquired identification code to an application server, wherein the identification code is set on the merchant's consumption unit, And the identification code identifies the identity of the merchant and the identity of the consumption unit; the application server receives the identification code from the user's mobile terminal, and sends a consumption list calculation request corresponding to the received identification code to the corresponding merchant; the application server receives the consumption list information from the corresponding merchant, And return the consumption list information to the user's mobile terminal; the user's mobile terminal completes the payment through the payment platform according to the returned consumption list.

An APP application program is installed in the mobile terminal of the user, and the identification code is a two-dimensional code, wherein, the step of obtaining the identification code set on the consumption unit of the merchant by the mobile terminal of the user includes: scanning the consumption unit by the mobile terminal of the user through the APP application program The QR code set on the server, and then send the scanned QR code to the application server.

An optical character recognition module is installed in the mobile terminal of the user, and the identification code is a unit identification character, wherein, the step of obtaining the identification code set on the consumption unit of the merchant by the mobile terminal of the user includes: identifying the mobile terminal of the user through the optical character recognition module The unit identification character set on the consumer unit.

An input unit is installed in the mobile terminal of the user, and the identification code is a character identifying the identity of the merchant and the identity of the consumption unit, wherein the step of obtaining the identification code set on the consumption unit of the merchant by the mobile terminal of the user comprises: the input unit of the mobile terminal of the user The characters identifying the identity of the merchant and the identity of the consumption unit on the consumption unit manually input by the user are received, and then the mobile terminal of the user sends the input characters to the application server.

The step of sending the consumption list calculation request corresponding to the received identification code to the corresponding merchant includes: the application server sends the consumption list calculation request including the consumption unit identity included in the received identification code to the corresponding merchant.

The mobile terminal automatic payment method also includes: after the user's mobile terminal completes the payment, the application server transmits the payment information received from the user's mobile terminal to the corresponding merchant; the corresponding merchant returns the confirmation information to the application server; the application server uses the confirmation information as payment Credentials are sent to the user's mobile terminal.

Provided is an application server for mobile terminal automatic payment, comprising: receiving an identification code from a user's mobile terminal and sending a consumption list calculation request corresponding to the received identification code to a corresponding merchant, wherein the identification code is set On the consumption unit of the merchant, and the identification code identifies the identity of the merchant and the identity of the consumption unit; receiving the consumption list information from the corresponding merchant and returning the consumption list information to the user’s mobile terminal; completing the payment on the user’s mobile terminal according to the consumption list information After that, transmit the payment information received from the user's mobile terminal to the device of the corresponding merchant; receive a confirmation message from the corresponding merchant and send the confirmation message as a payment voucher to the device of the user's mobile terminal.

Provided is an automatic payment method for a mobile terminal, comprising: receiving an identification code from a user's mobile terminal and sending a consumption list calculation request corresponding to the received identification code to a corresponding merchant, wherein the identification code is set in the merchant's consumption on the unit, and the identification code identifies the identity of the merchant and the identity of the consumption unit; receive the consumption list information from the corresponding merchant and return the consumption list information to the user's mobile terminal; after the user's mobile terminal completes the payment according to the consumption list information, the user's mobile The payment information received by the terminal is transmitted to the corresponding merchant; the confirmation message is received from the corresponding merchant and sent to the mobile terminal of the user as a payment certificate.

Additional aspects and/or advantages of the present invention will be set forth in part in the following description, and some will be clear from the description, or can be learned through practice of the present invention.

Description of drawings

The above and other objects and features of the present invention will become clearer through the following description in conjunction with the accompanying drawings, wherein:

FIG. 1 is a block diagram illustrating an automatic payment system for a mobile terminal according to the present invention.

Fig. 2 is a flow chart showing an automatic payment method for a mobile terminal according to an embodiment of the present invention.

Detailed ways

Embodiments of the present invention will now be described in detail, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to like parts throughout. The embodiments are described below in order to explain the present invention by referring to the figures.

FIG. 1 is a block diagram illustrating an automatic payment system for a mobile terminal according to the present invention.

As shown in Figure 1, the mobile terminal automatic payment system according to the present invention may include multiple merchants 100 (merchant A, merchant B and merchant C as shown in Figure 1), application server 200, user mobile terminal 300 and payment platform 400 .

Although three merchants are shown in FIG. 1 , it should be understood that the number of merchants here is not limited, that is, more merchants may exist in the mobile terminal automatic payment system of the present invention.

An identification code is set on each merchant's consumption unit, and the identification code identifies the identity of the merchant and the identity of the consumption unit, that is, the merchant id and the consumption unit id. The identification code can be implemented as two-dimensional codes, identification characters, and other characters or graphics that play an identification role. Take a restaurant as an example, where the consumption unit id can indicate a specific table number, room number, etc. In addition, the merchant 100 also generates consumption list information corresponding to the consumption unit.

The mobile terminal 300 of the user is used to obtain the identification code set on the consumption unit of the merchant, and send the identification code set on the consumption unit of each merchant to the application server 200 .

For example, an APP application program may be installed in the mobile terminal 300 of the user, and the APP refers to a third-party application program on the mobile device. After the consumer completes the consumption, the APP application program on the user's mobile terminal 300 (eg, mobile phone, tablet computer, etc.) scans the two-dimensional code on the consumption unit, and then sends the scanned two-dimensional code to the application server 200 .

For example, an Optical Character Recognition (OCR) module may be installed in the user mobile terminal 300 . After the consumer completes consumption, the OCR module on the user's mobile terminal 300 identifies the unit identification characters printed on the consumption unit, and then sends the identified unit identification characters to the application server 200 .

For example, an input unit may be installed in the user mobile terminal 300 . The user can also manually input the identification characters printed on the consumer unit into the input unit of the user mobile terminal 300 , and then the identification characters input by the user mobile terminal 300 are sent to the application server 200 . The characters here can be numbers, letters, symbols, Chinese characters, etc.

The application server 200 plays the role of transferring information between the merchant 100 and the user's mobile terminal 300 . According to the embodiment of the present invention, the application server 200 can be used to receive the identification code identifying the identity of the merchant and the identity of the consumption unit sent by the mobile terminal 300 of the user, and send the received identification code to the corresponding merchant 100 to receive consumption list information from the corresponding merchant 100 , and return the consumption list information to the mobile terminal 300 of the user. The operation of the application server 200 will be described in detail below.

After receiving the identification code sent by the user's mobile terminal 300, the application server 200 sends a consumption list calculation request including the consumption unit id included in the received identification code to the corresponding merchant. After receiving the consumption list calculation request, the corresponding merchant calculates the corresponding consumption list, and returns the consumption list message (including consumption amount, unit price, discount and total price, etc.) of the consumption unit to the application server 200 .

After receiving the consumption list information, the application server 200 generates an order and returns the generated order to the mobile terminal 300 of the user. After checking the order, the mobile terminal 300 of the user completes the payment to the payment platform 400 and returns the payment information to the application server 200 .

The application server 200 transmits the received payment information to the corresponding merchant. The merchant returns the confirmation information to the application server 200, and the application server 200 sends the confirmation information to the user's mobile terminal 300 as a payment voucher. The consumer can leave the merchant with the payment voucher or exchange for an invoice.

The method for automatic payment of a mobile terminal according to an embodiment of the present invention will be described below with reference to FIG. 2 .

As shown in FIG. 2 , in step S201 , the user's mobile terminal 300 acquires an identification code set on a consumption unit of a corresponding merchant. It should be understood that the user mobile terminal 300 may obtain the identification code set on the consumption unit of the corresponding merchant through various methods as described above.

In step S202 , the user mobile terminal 300 sends the identification code set on the consumption unit of the corresponding merchant to the application server 200 .

In step S203 , after receiving the identification code sent by the user's mobile terminal 300 , the application server 200 sends a consumption list calculation request including the consumption unit id included in the received identification code to the corresponding merchant 100 .

In step S204, the corresponding merchant 100 calculates the corresponding consumption list after receiving the consumption list calculation request.

In step S205 , the corresponding merchant 100 returns the calculated consumption list information (including consumption amount, unit price, discount and total price, etc.) to the application server 200 .

In step S206, the application server 200 generates an order after receiving the consumption list information.

In step S207, the application server 200 returns the generated order to the mobile terminal 300 of the user.

In step S208, the user's mobile terminal 300 completes the payment to the payment platform 400 after checking the order.

In step S209 , the user mobile terminal 300 sends back the payment information to the application server 200 .

In step S210 , the application server 200 transmits the received payment information to the corresponding merchant 100 .

In step S211 , the merchant 100 returns confirmation information to the application server 200 .

In step S212, the application server 200 sends the confirmation information to the user's mobile terminal 300 as a payment credential. The consumer can leave the merchant with the payment voucher or exchange for an invoice.

As mentioned above, the present invention inserts an intermediate "application server" between the user's mobile terminal and the merchant's system, so that the user's mobile terminal does not directly interact with the merchant's system, which improves the versatility and security of the system.

Since the payment list in the present invention is generated by the merchant system, the application server only plays a role of transfer, and the commodity does not need to be registered on the server. This reduces the cost for merchants to register and update commodity information on the server. Therefore, it is very suitable for application scenarios where goods/services and prices change rapidly.

Through the unified, merchant-independent payment platform according to the present invention, it is convenient for consumers to use, and it is easy for them to form a fixed payment habit; and it greatly shortens the waiting time required to pay the bill. For the merchants, the investment cost of the order-payment self-service system is saved, and they only need to provide corresponding interfaces according to the API (application programming interface) requirements of the application server.

In addition, the mobile terminal automatic payment system of the present invention can be applied not only to restaurants, but also to consumption places such as KTVs. The present invention is suitable for application scenarios where it is inconvenient to print a QR code on a single commodity (for example, the commodity is a certain service) and consume multiple commodities at one time (that is, the payment fee is calculated by consumption unit rather than by a single commodity).

While the invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that changes may be made in form and detail without departing from the spirit and scope of the invention as defined by the claims. various changes.

Claims (13)

1. A mobile terminal automatic payment system, comprising: Merchant, the merchant’s consumption unit is provided with an identification code, the identification code identifies the identity of the merchant and the identity of the consumption unit, after receiving the consumption list calculation request corresponding to the identification code, the consumption list information corresponding to the consumption unit is generated, and the The generated consumption list information is sent to the application server; The mobile terminal of the user obtains the identification code set on the consumption unit of the merchant for identifying the identity of the merchant and the identity of the consumption unit and sends the obtained identification code to the application server; The application server receives from the user's mobile terminal the identification code used to identify the identity of the merchant and the identity of the consumption unit, sends a consumption list calculation request corresponding to the received identification code to the corresponding merchant to receive consumption list information from the corresponding merchant, and converts the consumption list information to the corresponding merchant. Return to the user's mobile terminal, and transmit the received payment information to the corresponding merchant, wherein the consumption list calculation request includes the consumption unit identity; A payment platform, wherein, through the payment platform, the user's mobile terminal completes the payment according to the returned consumption list information, and the payment platform returns the payment information to the application server. 2. mobile terminal automatic payment system as claimed in claim 1, wherein, in user's mobile terminal, APP application program is installed, and described identification code is two-dimension code, Wherein, the mobile terminal of the user scans the two-dimensional code set on the consumption unit through the APP application program, and then sends the scanned two-dimensional code to the application server. 3. The mobile terminal automatic payment system as claimed in claim 1, wherein an optical character recognition module is installed in the user's mobile terminal, and the identification code is a unit identification character, Wherein, the user's mobile terminal recognizes the unit identification characters set on the consumption unit through the optical character recognition module, and then sends the recognized unit identification characters to the application server. 4. mobile terminal automatic payment system as claimed in claim 1, wherein, input unit is installed in user's mobile terminal, and described identification code is the character of identification trade company identity and consumption unit identity, Wherein, the input unit of the user's mobile terminal receives characters manually input by the user to identify the identity of the merchant and the identity of the consumption unit set on the consumption unit, and then the user's mobile terminal sends the input characters to the application server. 5. The mobile terminal automatic payment system according to claim 1, wherein the application server receives consumption from the corresponding merchant by sending a consumption list calculation request including the identity of the consumption unit included in the received identification code to the corresponding merchant list information, After the user's mobile terminal completes the payment, the application server also transmits the payment information received from the user's mobile terminal to the corresponding merchant, so as to receive a confirmation message from the corresponding merchant. 6. A mobile terminal automatic payment method, comprising: The mobile terminal of the user acquires the identification code set on the consumption unit of the merchant and sends the obtained identification code to the application server, wherein the identification code is set on the consumption unit of the merchant, and the identification code identifies the identity of the merchant and the identity of the consumption unit ; The application server receives the identification code from the user's mobile terminal, and sends a consumption list calculation request corresponding to the received identification code to the corresponding merchant, wherein the consumption list calculation request includes the consumption unit identity; The merchant generates consumption list information corresponding to the consumption unit after receiving the consumption list calculation request corresponding to the identification code, and sends the generated consumption list information to the application server; The application server receives the consumption list information from the corresponding merchant, and returns the consumption list information to the user's mobile terminal; The user's mobile terminal completes the payment through the payment platform according to the returned consumption list; The payment platform sends the payment information back to the application server; The application server transmits the received payment information to the corresponding merchant. 7. The mobile terminal automatic payment method as claimed in claim 6, wherein an APP application program is installed in the user's mobile terminal, the identification code is a two-dimensional code, Wherein, the step of obtaining the identification code set on the consumption unit of the merchant by the user mobile terminal includes: the user mobile terminal scans the two-dimensional code set on the consumption unit through the APP application program, and then sends the scanned two-dimensional code to the application server. 8. The mobile terminal automatic payment method as claimed in claim 6, wherein an optical character recognition module is installed in the user's mobile terminal, and the identification code is a unit identification character, Wherein, the step of obtaining the identification code set on the consumption unit of the merchant by the user mobile terminal includes: the user mobile terminal recognizes the unit identification character set on the consumption unit through an optical character recognition module. 9. The mobile terminal automatic payment method as claimed in claim 6, wherein, an input unit is installed in the user mobile terminal, and the identification code is a character identifying the identity of the merchant and the identity of the consumption unit, Wherein, the step of obtaining the identification code set on the consumption unit of the merchant by the mobile terminal of the user includes: the input unit of the mobile terminal of the user receives the characters on the consumption unit manually input by the user to identify the identity of the merchant and the identity of the consumption unit, and then the mobile terminal of the user will input characters are sent to the application server. 10. The mobile terminal automatic payment method according to claim 6, wherein the step of sending the consumption list calculation request corresponding to the received identification code to the corresponding merchant comprises: the application server will include the consumption list included in the received identification code The consumption list calculation request of the unit identity is sent to the corresponding merchant. 11. The mobile terminal automatic payment method as claimed in claim 10, further comprising: After the user's mobile terminal completes the payment, the application server transmits the payment information received from the user's mobile terminal to the corresponding merchant; The corresponding merchant returns the confirmation information to the application server; The application server sends the confirmation information to the user's mobile terminal as a payment voucher. 12. An application server for mobile terminal automatic payment, comprising: Receive the identification code from the user's mobile terminal and send the consumption list calculation request corresponding to the received identification code to the device of the corresponding merchant, wherein the identification code is set on the consumption unit of the merchant, and the identification code identifies the identity of the merchant and Consumption unit identity, wherein the consumption list calculation request includes the consumption unit identity; A device that receives consumption list information from the corresponding merchant and returns the consumption list information to the user's mobile terminal; After the user's mobile terminal completes the payment according to the consumption list information, the payment information received from the user's mobile terminal is transmitted to the device of the corresponding merchant; A device for receiving a confirmation message from a corresponding merchant and sending the confirmation message to the user's mobile terminal as a payment voucher. 13. An automatic payment method for a mobile terminal, comprising: Receive the identification code from the user's mobile terminal and send the consumption list calculation request corresponding to the received identification code to the corresponding merchant, wherein the identification code is set on the consumption unit of the merchant, and the identification code identifies the identity of the merchant and the consumption unit Identity, wherein the consumption list calculation request includes the consumption unit identity; Receive the consumption list information from the corresponding merchant and return the consumption list information to the user's mobile terminal; After the user's mobile terminal completes the payment according to the consumption list information, the payment information received from the user's mobile terminal is transmitted to the corresponding merchant; Receive a confirmation message from the corresponding merchant and send the confirmation message to the user's mobile terminal as a payment voucher.