CN104166916B - Method of payment and payment system - Google Patents
Method of payment and payment system Download PDFInfo
- Publication number
- CN104166916B CN104166916B CN201410182845.7A CN201410182845A CN104166916B CN 104166916 B CN104166916 B CN 104166916B CN 201410182845 A CN201410182845 A CN 201410182845A CN 104166916 B CN104166916 B CN 104166916B
- Authority
- CN
- China
- Prior art keywords
- payment
- platform
- information
- account
- identity information
- Prior art date
- Legal status (The legal status 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 status listed.)
- Active
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a kind of method of payment, comprising: payment terminal sends identity information with the form of signal transmission to receiving terminal; Described receiving terminal sends Transaction Information to the single platform of receipts, and described Transaction Information comprises described identity information; The single platform of described receipts sends to settlement platform the request of payment based on described identity information, the described payment account information paying request and comprise for the first payment account paid; And payment transaction server is based on the clearing request from described settlement platform and the confirmation information and executing payment transaction from described payment terminal, described clearing request comprises the described payment account information of described first payment account.
Description
Technical field
The present invention relates to payment technology, particularly relate to a kind of method of payment and system.
Background technology
At present, consumer to swipe the card clearing by payment account (such as, credit or debit card or Third-party payment account) when transacting business and paying on POS end.This traditional " card-scanning type ", although method of payment can allow consumer avoid carrying with buckets of cash, consumer still must carry or remember that payment account is to carry out payment of swiping the card, and this makes transaction payment be restricted.Along with popularizing of mobile communication technology, people often can carry with mobile terminal.The multimedia function of mobile terminal has been that standard is equipped with, and such as a lot of mobile terminal all has signal emission function.Therefore, if it will be extremely easily that mobile terminal can be utilized to realize transaction payment.
Summary of the invention
Below provide the brief overview of one or more aspect to provide the basic comprehension to these aspects.Detailed the combining of this not all aspect contemplated of general introduction is look at, and both not intended to be pointed out out the scope of key or decisive any or all aspect of elements nor delineate of all aspects.Its unique object is the sequence that some concepts that will provide one or more aspect in simplified form think the more detailed description provided after a while.
Accompanying drawing explanation
After the detailed description of reading embodiment of the present disclosure in conjunction with the following drawings, above-mentioned feature and advantage of the present invention can be understood better.In the accompanying drawings, each assembly is not necessarily drawn in proportion, and the assembly with similar correlation properties or feature may have identical or close Reference numeral.
Fig. 1 shows the block diagram of payment system according to an aspect of the present invention;
Fig. 2 shows the block diagram of payment terminal according to an aspect of the present invention;
Fig. 3 shows the block diagram of receiving terminal according to an aspect of the present invention;
Fig. 4 shows the block diagram of platform of user management according to an aspect of the present invention; And
Fig. 5 shows the process flow diagram of method of payment according to an aspect of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in detail.Note, the aspects described below in conjunction with the drawings and specific embodiments is only exemplary, and should not be understood to carry out any restriction to protection scope of the present invention.
Fig. 1 shows the block diagram of the payment system 100 according to the first embodiment of the present invention.Payment system 100 can comprise payment terminal 110.As shown in Figure 2, payment terminal 110 can be any suitable portable terminal comprising signal transmitter unit 116, such as cell phone, satellite phone, wireless phone, personal digital assistant (PDA), the portable equipment with wireless connection capability, computing equipment or be connected to other treatment facilities etc. of radio modem.Payment terminal 110 can communicate with other equipment with signal reception by sharp signal transmitter unit 116.Such as, signal transmitter unit 116 can be sound unit, infrared unit, WiFi unit, radio frequency unit etc.
Payment system 100 can comprise platform of user management 140, to realize the management of user profile.Payment terminal 110 is by wireless communication system calling party management platform 140.Here wireless communication system can be such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA and other system.Cdma system can realize such as radiotelegraphy such as universal terrestrial radio electricity access (UTRA), cdma2000 etc.UTRA comprises wideband CDMA (W-CDMA) and other CDMA variants.In addition, cdma2000 contains IS-2000, IS-95 and IS-856 standard.Tdma system can realize the radiotelegraphys such as such as global system for mobile communications (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband (UMB), IEEE802.11 (Wi-Fi), IEEE802.16 (WiMAX), IEEE802.20,
deng and so on radiotelegraphy.
User by payment terminal 110 to platform of user management 140 request registration.As shown in Figure 4, platform of user management 140 can comprise registering unit 141 for login account.In response to the registration request of payment terminal 110, registering unit 141 can be payment terminal 110 and registers an account, and distributes an identity information for the account, such as, can comprise identity ID.This identity ID can be stored in platform of user management 140 place, such as, be stored in the database 143 of platform of user management 140.
After login account, user can arrange corresponding login password, and payment terminal 110 can be used to log in the account.If user forgets login password, former login password can be given for change, give the mode of password for change by short-message verification, mailbox checking or Identity Association Information Authentication etc., as known to those skilled in the art.
After user logs in the account, the request of being bound payment account and the account and identity ID can be submitted to.Multiple payment account and the account and identity ID can bind by user.Here payment account can be bank card, Third-party payment account, prepaid card, credit card etc.User can submit the payment account authorization information of payment account to, and such as card number, bank of deposit or card issuer, holder name, identification card number, cell-phone number wait until platform of user management 140.The payment account authorization information that user submits to directly or by the single platform 130 of receipts described below or settlement platform 150 etc. can be sent to payment account providing gear by platform of user management 140 indirectly, such as payment transaction system 160, payment account providing gear is all to be verified if any payment account bank, Third-party payment mechanism, credit card providing gear, prepaid card providing gear, city one-card providing gear etc.Such as, information to be submitted to the receipts list platform corresponding to this payment account according to specified interface and communication protocol by the information that user can be packed of platform of user management 140, such as receive single platform 130-n, the interface and commmunication agreement that this receipts list platform 130-n provides according to payment transaction system by information reporting settlement platform 150, and receives the verification tip of the feedbacks such as payment account providing gear such as bank, Third-party payment mechanism, prepaid card providing gear, city one-card providing gear.
If be proved to be successful, then the account and this payment account can bind by registering unit 141 mutually, such as, be associated with this payment account by the identity the ID corresponding account.User can bind multiple payment account for the account, can arrange the payment account of acquiescence simultaneously, or selects corresponding payment account to pay when paying.
More preferably, identity information also can to comprise identification cipher to do the checking of identity information.This identification cipher can be arranged by the selection of registering unit 141 in response to user.Meanwhile, when user forgets this identification cipher, the identity information by payment account related information or individual's association is given for change or resets identification cipher.Identification cipher can comprise numerical ciphers, gesture password, finger print information etc.The payment account information of at least one payment account of the account, corresponding identity ID, identification cipher and binding can be stored in database 143.In one example, the multiple payment accounts bound with particular account and identity ID can be numbered as 1 to N, and this multiple payment account and the account, identity ID and identification cipher are stored together associatedly, as shown in table 1.
Table 1
Payment terminal 110 can realize the registration request of above-mentioned account by corresponding payment software, password is arranged, the bindings of payment account.This payment software can be arranged in payment terminal 110.Such as, user can open this payment software in payment terminal 110, is carried out registration, the management of account by this payment software, and the binding of payment account, the setting of acquiescence payment account and the binding of payment account are removed etc.
Payment system 100 also can comprise receiving terminal 120-n (n=1,2 ... N), receiving terminal 120 is referred to as altogether.Receiving terminal 120-n can be the simple receiving equipment with signal receiving function being arranged on place of trade company, also can be to have signal receiving function and make single, to input the functions such as password POS (PointofSales) machine.Receiving terminal 120-n can be relevant to financial institution, and different receiving terminals is under the jurisdiction of different financial institutions.Such as, receiving terminal 120-1 is under the jurisdiction of the first financial institution, and receiving terminal 120-2 is under the jurisdiction of second financial institution etc.These financial institutions provide respective payment account.
Corresponding with receiving single platform 120-n is receive single platform 130-n.Be similar to receiving terminal, receiving single platform 130-n also can be relevant to financial institution, and different receipts list platforms is under the jurisdiction of different financial institutions.Such as, receive single platform 130-1 and be under the jurisdiction of the first financial institution, receive single platform 130-2 and be under the jurisdiction of second financial institution etc.Receive single platform 130-n to be coupled communicatedly with a public platform of user management 140.
Payment system 100 also can comprise corresponding payment transaction server 160-n.Similarly, 160-n is relevant to financial institution for payment transaction server, and different payment transaction servers is under the jurisdiction of different financial institutions.Such as, payment transaction server 160-1 is under the jurisdiction of the first financial institution, and payment transaction server 160-2 is under the jurisdiction of second financial institution etc.
Receiving terminal 120-n can be the integral type POS comprising signal receiving unit.Or receiving terminal also can be the conventional POS be connected with the signal receiving module of a Dan Li.Such as, this conventional POS is by communication interface, and such as RS232, USB interface, communicate with this signal receiving module, or communicated with this signal receiving module by wireless network.Hereafter for integral type POS framework, receiving terminal is described, as shown in Figure 3.Receiving terminal 120 can comprise signal receiving unit 122 and perform the POS unit 124 of conventional POS function.
Receiving terminal 120-n realizes communicating with payment terminal 110 by signal receiving unit 122.Payment terminal 110 can comprise coding unit 112, and usually, coding unit 112 can be encoded to the communication data that will pass on.Communication data can be any information data that payment terminal 110 will convey to receiving terminal 120-n, such as, and identity information.
More preferably, payment terminal 110 also can comprise ciphering unit 114.Ciphering unit 114 can first be encrypted communication data, and then carries out above-mentioned coding by coding unit 112 to encrypted communication data.
After encoding to communication data, signal transmitter unit 116 can such as be sent by the form with signal transmission.
The signal receiving unit 122 of receiving terminal 120-n can be used for receiving the signal transmission of also processing signals transmitter unit 116 transmitting to obtain electric signal, such as, to obtain the communication data of electrical signal form.In one example, signal receiving unit 122 can the signal transmission received be changed, amplify, the process such as filtering.
When user is in trade company's consumer need payment, user sends identity information with the form of signal transmission to receiving terminal 120-n by payment terminal 110, such as, comprise identity ID and identification cipher.Particularly, coding unit 112 can be encoded to identity information.More preferably, ciphering unit 114 also can first be encrypted identity information, and then is encoded to encrypted identity information by coding unit 112.Signal transmitter unit 116 can send the signal transmission of this encoded identity information of instruction.
Bound multiple payment account user for this identity information and do not arranged acquiescence in the situation of payment account that pays, user also can select the payment account for paying from this bound multiple payment account.Now, identity information also can be accompanied with the identifier that instruction is selected for this payment account of payment, and such as, this identifier can indicate the numbering of this payment account when bound.
User can start the transmission of identity information, the selection of payment account etc. by the payment software in payment terminal 110.Before startup payment function, user can input identification cipher.More preferably, payment software carries out delivery operation after passing through identification cipher preliminary identification again.
The signal receiving unit 122 of receiving terminal 120-n can receive and process the signal transmission that payment terminal 110 sends, to obtain the identity information of electrical signal form.In one example, receiving terminal 120-n can comprise decoding unit with this electric signal of decoding, thus recovers identity information.In preferably another example, receiving terminal 120-n does not decode to this electric signal, but directly forwards the encoded identity information of electrical signal form by POS unit 124.In one example, user, after sending identity information by payment terminal 110, can input the account verification information of payment account as required.The account verification information of this payment account is verified by the providing gear (such as, payment transaction server) of payment account in continuation payment flow process.Receiving terminal 120-n can comprise input block 126, such as keyboard, hand-written dish, fingerprint identification module, iris recognition module, sound recognition module etc.User inputs account verification information, as password, signature, fingerprint, iris, sound etc. by this input block 126.
Receiving terminal 120-n, after receiving identity information, can upload Transaction Information to the receipts list platform 130-n of correspondence.This Transaction Information can comprise this identity information.Need in the example of the account verification information inputting payment account user, this Transaction Information also can comprise account authorization information.In addition, receiving terminal 110 is generally bound mutually with merchant account, and therefore Transaction Information also can comprise the information such as merchant identification identification number and payment.
Receive single platform 130-n and can be used for realizing receiving terminal 120-n, mutual between platform of user management 140 and settlement platform 150.Transaction Information is uploaded to the single platform 130-n of receipts by dedicated line by receiving terminal 120-n.Receive after single platform 130-n receives this Transaction Information, can send to settlement platform the request of payment based on this identity information, this payment request can comprise the payment account information of the payment account for paying.
In one example, receive single platform 130-n and this identity information can be transmitted to platform of user management 140, by platform of user management 140, this identity information is verified.Platform of user management 140 can comprise authentication unit 142 to perform this checking.Such as, the account of the user of payment terminal 110 is all stored in the database 143 of platform of user management 140 with the identity information (such as, identity ID and identification cipher) be associated.Comprise in the example of identity ID at identity information, authentication unit 142 can retrieve this identity ID being received from and receiving single platform 130-n from database 143, if do not retrieve this identity ID, then this identity information is illegal identity, authentication failed; If retrieve this identity ID, be then proved to be successful.
Also comprise in the example of identification cipher at identity information, if this identity ID can be retrieved, then obtain the identification cipher be associated with this identity ID further, and by this identification cipher be received from the identification cipher receiving single platform 130-n and compare, if both are consistent, then be proved to be successful, otherwise authentication failed.
In one example, the identity information that receives of platform of user management 140 is through encryption and coding.In this example, platform of user management 140 can comprise decoding unit 144 and decryption unit 145.Decoding unit 144 can first be decoded to identity information, and then is decrypted to recover identity information by decryption unit 145.
In response to being proved to be successful, platform of user management 140 can retrieve the payment account information being used to the payment account paid be associated with this identity information from database 143, and transmits this payment account information of this payment account to the single platform 130-n of receipts.Platform of user management 140 can be associated with multiple financial institution, thus stores the payment account information of the payment account of this multiple financial institutions distribution.In one example, user is provided with the payment account of acquiescence for paying, and now, platform of user management 140 can directly retrieve this acquiescence of being associated with this identity information payment account information of payment account for paying in response to being proved to be successful.In another example, user does not arrange the payment account of acquiescence, but selects the payment account for paying when paying, as mentioned before.Now, subscriber identity information can be accompanied with the identifier indicated for the payment account paid, such as, numbering when this payment account is bound.Platform of user management 140 can retrieve this payment account information of payment account for paying according to this identifier.This payment account information of this payment account retrieved can send to by platform of user management 140 receives single platform 130-n.
In an alternative embodiment, the payment account information of payment account can be stored in receives single platform 130-n place.In this embodiment, in platform of user management 140, not store payment account information as described above ground, but store the account related information that can be used to obtain payment account information, such as account index information.Now, platform of user management 140 can be that this is for obtaining the account related information of payment account information to what receive single platform 130-n transmission.Receive single platform 130-n can find out this payment account from self database payment account information according to account related information.
In response to this payment account information obtaining this payment account, receive single platform 130-n and can send this payment request to settlement platform 150, this payment request can comprise this payment account information.In addition, pay request and also can comprise payment and merchant identification identification number.When user have input account verification information in receiving terminal 120-n, this payment request also can comprise account verification information.
On the other hand, in response to authentication failed, platform of user management 140 can transmit authentication failed message to the single platform 130-n of receipts.If receive authentication failed message, receive single platform 130-n and this authentication failed message can be transmitted to receiving terminal 120-n, to notify that trade company and user pay failure.
Can send clearing request to corresponding payment transaction server 160-n after settlement platform 150 receives this payment request, this clearing request can comprise the payment account information of this payment account.
In one example, settlement platform 150 can submit clearing request according to payment account information to corresponding payment transaction server 160-n.Except payment account information, clearing request also can comprise payment.When user have input account verification information in receiving terminal 120-n, this clearing request also can comprise account verification information.This payment transaction server 160-n is for the corresponding transaction system of the payment account paid with this.Such as, be the bank card of certain issued by banks for this payment account, this payment transaction server is correspondingly the bank paying trading server of this bank.According to different payment accounts, settlement platform 150 can transmit clearing request to different payment transaction servers.
Here, settlement platform 150 is public settlement platforms, and is provided separately with each payment transaction server 160-n.But settlement platform 150 also can be the multiple settlement platforms be associated with different financial institution separately.In this case, each settlement platform can be integrated into the payment transaction server be associated.
Payment transaction server 160-n can based on the clearing request from settlement platform 150 and the confirmation information and executing payment transaction from payment terminal 110.
In one example, this confirmation can comprise the payment transaction password of this payment account.If this payment transaction password is correct, then perform this payment transaction by payment transaction server 160-n, otherwise to settlement platform 150 and payment terminal 110 feeding back unsuccessful notification message.
In one example, send confirmation request by payment transaction server 160-n to payment terminal 110, payment terminal 110 can send this confirmation in response to this confirmation request to payment transaction server 160-n.
After confirmation, payment transaction server 160-n can deduct this payment from corresponding payment account.Comprise in the example of account verification information in clearing request, payment transaction server 160-n also examines the legitimacy of payment account information further by account authorization information.Note, detained payment is not directly directly squeezed into merchant account by payment transaction server 160-n, but squeezes into settlement platform 150 in the trading account set by bank.Settlement platform 150 is understood regularly and trade company settles accounts.Therefore, settlement platform 150 receive payment transaction server 160-n the payment that turns can think to pay successfully.Payment transaction server 160-n can feed back payment and settlement information to settlement platform 150 after transferring accounts, such as payment account number, deducted amount etc.
This payment and settlement information can be transmitted to by settlement platform 150 receives single platform 130-n, and sends payment and settlement information to receiving terminal 120-n further by the single platform 130-n of receipts.Receiving terminal 120-n this payment and settlement information printable.
So far, user completes transaction payment by payment terminal 110.
According to the solution of the present invention, user without the need to carrying the various payment accounts of a multitude of names, can complete payment by the mobile phone such as with signal emission function.Compared to by means of payment on line, the security of payment obtains Reliable guarantee, because according to the solution of the present invention, payment flow is for interface enters payment transaction system by the POS end of safety.And pay compared to card-scanning type under traditional line, the magnetic track information of payment account is easy to be stolen.But according to the solution of the present invention, POS end does not handle the accounts information of payment account, and therefore security is significantly improved.
Fig. 5 shows the process flow diagram of method of payment 500 according to an aspect of the present invention.
In step 502, send identity information with the form of signal transmission to receiving terminal from payment terminal.
In one example, payment terminal can be encoded to this identity information, and sends this encoded identity information with the form of signal transmission to receiving terminal.More preferably, payment terminal can first be encrypted identity information, and then encodes to encrypted identity information.Receiving terminal receives and processes this signal transmission to obtain electric signal, thus obtains the identity information of electrical signal form.
In one example, identity information can comprise identity ID.More preferably, this identity information also can comprise identification cipher.
In step 504, send Transaction Information from receiving terminal to the single platform of receipts, this Transaction Information can comprise this identity information.
In step 506, receive single platform and can send to settlement platform the request of payment based on this identity information, this payment request comprises the payment account for paying, the payment account information of such as the first payment account.
In one example, receive single platform and this identity information can be forwarded to platform of user management, platform of user management can be verified the identity information received.In one example, identity information comprises identity ID.Platform of user management can retrieve this identity ID received from its data storehouse, if do not retrieve this identity ID, then this identity information is illegal identity, authentication failed.If this identity ID can be retrieved, be then proved to be successful.More preferably, when retrieving this identity ID, platform of user management also can obtain the identification cipher be associated with this identity ID further, and this identification cipher and the identification cipher received are compared, if both are consistent, be then proved to be successful, otherwise authentication failed.
In one example, the identity information that receives of platform of user management is through encryption and coding.In this example, platform of user management can first be decoded to identity information, and then is decrypted to recover this identity information.
In response to being proved to be successful, platform of user management can transmit this payment account information of this first payment account to the single platform of receipts.In an alternate embodiment, the account related information that platform of user management also can transmit this payment account information finds out this payment account information for the single platform of receipts.In response to this payment account information obtaining this first payment account, receive single platform and can send this payment request to settlement platform, this payment request can comprise this payment account information of this first payment account.In one example, this first payment account is the payment account of acquiescence for paying, and now, platform of user management can directly retrieve the acquiescence that is associated with this identity information payment account information of this first payment account for paying in response to being proved to be successful.In another example, user does not arrange acquiescence payment account, and now, identity information also can be accompanied with the identifier of instruction first payment account.Platform of user management can go out this payment account information of this first payment account be associated with this identity information according to this identifier retrieval.In response to receiving this payment account information, receive single platform and can transmit to settlement platform the request of payment, this payment request can comprise this payment account information.In addition, this payment request also can comprise merchant identification identification number and payment.
In response to authentication failed, platform of user management can transmit authentication failed message to the single platform of receipts.In response to receiving this authentication failed message, receiving single platform and authentication failed message can be transmitted to receiving terminal.
Can send clearing request to corresponding payment transaction server after settlement platform receives this payment request, this clearing request can comprise the payment account information of this payment account.This payment transaction server is the transaction system corresponding with this first payment account.Such as, be the bank card of certain issued by banks for this payment account, this payment transaction server is correspondingly the bank paying trading server of this bank.According to different payment accounts, settlement platform can transmit clearing request to different payment transaction servers.
In step 508, by payment transaction server based on the clearing request from settlement platform and the confirmation information and executing payment transaction from payment terminal, this clearing request can comprise the payment account information of this first payment account.
In one example, this confirmation can comprise the payment transaction password of this first payment account.If this payment transaction password is correct, then perform this payment transaction by payment transaction server, otherwise to settlement platform and payment terminal feeding back unsuccessful notification message.
In one example, send confirmation request by payment transaction server to payment terminal, payment terminal can send this confirmation in response to this confirmation request to payment transaction server.
After confirmation, this payment can be put under the trading account of settlement platform and feed back payment and settlement information to settlement platform by this payment transaction server.In response to receiving payment and settlement information, settlement platform can forward this payment and settlement information to the single platform of receipts, receives single platform and sends the payment and settlement information received to receiving terminal.
Said method illustrated although simplify for making explanation and is described as a series of actions, it should be understood that and understand, these methods not limit by the order of action, because according to one or more embodiment, some actions can occur by different order and/or with from illustrating herein and describe or not shown and to describe but other actions that it will be appreciated by those skilled in the art that occur concomitantly herein.
Those skilled in the art will understand further, and the various illustrative logic plates, module, circuit and the algorithm steps that describe in conjunction with embodiment disclosed herein can be embodied as electronic hardware, computer software or the combination of both.For clearly explaining orally this interchangeability of hardware and software, various illustrative components, frame, module, circuit and step are done vague generalization above with its functional form and are described.This type of is functional is implemented as hardware or software depends on embody rule and puts on the design constraint of total system.Technician can realize described functional by different modes for often kind of application-specific, but such realize decision-making and should not be interpreted to and cause having departed from scope of the present invention.
The various illustrative logic plates, module and the circuit that describe in conjunction with embodiment disclosed herein can realize with general processor, digital signal processor (DSP), special IC (ASIC), field programmable gate array (FPGA) or other programmable logic device (PLD), discrete door or transistor logic, discrete nextport hardware component NextPort or its any combination being designed to perform function described herein or perform.General processor can be microprocessor, but in alternative, and this processor can be the processor of any routine, controller, microcontroller or state machine.Processor can also be implemented as the combination of computing equipment, the combination of such as DSP and microprocessor, multi-microprocessor, with one or more microprocessor of DSP central cooperation or any other this type of configure.
The method described in conjunction with embodiment disclosed herein or the step of algorithm can be embodied directly in hardware, in the software module performed by processor or in the combination of both and embody.Software module can reside in the storage medium of RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, removable dish, CD-ROM or any other form known in the art.Exemplary storage medium is coupled to processor and can reads and written information from/to this storage medium to make this processor.In alternative, storage medium can be integrated into processor.Processor and storage medium can reside in ASIC.ASIC can be in the user terminal resident.In alternative, it is in the user terminal resident that processor and storage medium can be used as discrete assembly.
In one or more exemplary embodiment, described function can realize in hardware, software, firmware or its any combination.If be embodied as computer program in software, then each function can as one or more bar instruction or code storage on a computer-readable medium or mat its transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and it comprises facilitates computer program from a ground to any medium that another ground shifts.Storage medium can be can by any usable medium of computer access.Exemplarily non-limiting, such computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage apparatus, maybe can be used to carry or store instruction or data structure form desirable program code and can by other medium any of computer access.Any connection is also properly termed a computer-readable medium.Such as, if software be use concentric cable, fiber optic cables, twisted-pair feeder, digital subscribe lines (DSL) or such as infrared, radio and microwave and so on wireless technology from web site, server or other remote source transmission, then this concentric cable, fiber optic cables, twisted-pair feeder, DSL or such as infrared, radio and microwave and so on wireless technology are just included among the definition of medium.Dish as used herein (disk) and dish (disc) comprise compact disc (CD), laser dish, laser disc, digital versatile dish (DVD), floppy disk and blu-ray disc, its mid-game (disk) is often with the mode rendering data of magnetic, and dish (disc) laser rendering data to be optically.Above-mentioned combination also should be included in the scope of computer-readable medium.
Thering is provided previous description of the present disclosure is for making any person skilled in the art all can make or use the disclosure.To be all apparent for a person skilled in the art to various amendment of the present disclosure, and generic principles as defined herein can be applied to other variants and can not depart from spirit or scope of the present disclosure.Thus, the disclosure not intended to be is defined to example described herein and design, but the widest scope consistent with principle disclosed herein and novel features should be awarded.
Claims (23)
1. a method of payment, comprising:
Payment terminal sends identity information with the form of signal transmission to receiving terminal;
Described receiving terminal sends Transaction Information to the single platform of receipts, and described Transaction Information comprises described identity information;
The single platform of described receipts sends to settlement platform the request of payment based on described identity information, the described payment account information paying request and comprise for the first payment account paid; And
Payment transaction server is based on the clearing request from described settlement platform and the confirmation information and executing payment transaction from described payment terminal, and described clearing request comprises the described payment account information of described first payment account;
Wherein, the single platform of described receipts specifically comprises to settlement platform transmission payment request based on described identity information:
Described identity information is forwarded to platform of user management by the single platform of described receipts;
Described platform of user management is verified described identity information;
If be proved to be successful, then described platform of user management sends the described payment account information of described first payment account or the account related information of described payment account information to the single platform of described receipts; And
In response to the described payment account information obtaining described first payment account, described receipts list platform sends described payment request to described settlement platform.
2. method of payment as claimed in claim 1, is characterized in that, described payment terminal sends identity information with the form of signal transmission to receiving terminal and comprises:
Described identity information is encoded; And
Encoded described identity information is sent to described receiving terminal with the form of described signal transmission.
3. method of payment as claimed in claim 2, it is characterized in that, encoding to described identity information specifically comprises:
First described identity information is encrypted; And
Described coding is carried out to encrypted described identity information.
4. method of payment as claimed in claim 1, is characterized in that, also comprise:
Described receiving terminal receives and processes described signal transmission to obtain electric signal.
5. method of payment as claimed in claim 1, it is characterized in that, described identity information is forwarded to described platform of user management and specifically comprises by the single platform of described receipts:
The described identity information of electrical signal form is transmitted to described platform of user management by the single platform of described receipts; And
Described platform of user management performs decoding to obtain described identity information to described electric signal.
6. method of payment as claimed in claim 5, is characterized in that, also comprise:
Described platform of user management performs deciphering to obtain described identity information to the described electric signal through decoding.
7. method of payment as claimed in claim 1, is characterized in that, also comprise:
If authentication failed, then described platform of user management sends authentication failed message to the single platform of described receipts; And
In response to receiving described authentication failed message, described receipts list platform sends described authentication failed message to described receiving terminal.
8. method of payment as claimed in claim 1, it is characterized in that, described identity information comprises identity ID, and described platform of user management carries out checking to described identity information and comprises:
Described platform of user management retrieves described identity ID from database;
If do not retrieve described identity ID, then authentication failed;
If retrieve described identity ID, be then proved to be successful.
9. method of payment as claimed in claim 8, it is characterized in that, described identity information also comprises identification cipher, and described platform of user management is verified described identity information and specifically comprised:
If retrieve described identity ID, then further by the identification cipher be associated with described identity ID in described database compared with being received from the described identification cipher of the single platform of described receipts;
If both are consistent, be then proved to be successful, otherwise authentication failed.
10. method of payment as claimed in claim 1, is characterized in that, described first payment account is the payment account of acquiescence for paying, and the described payment account information that described platform of user management sends described first payment account to the single platform of described receipts specifically comprises:
Described platform of user management directly retrieves the acquiescence that is associated with the described identity information described payment account information of described first payment account for paying in response to being proved to be successful.
11. methods of payment as claimed in claim 1, it is characterized in that, described identity information is also accompanied with the identifier indicating described first payment account, and the described payment account information that described platform of user management sends described first payment account to the single platform of described receipts specifically comprises:
Described platform of user management goes out the described payment account information of described first payment account be associated with described identity information according to described identifier retrieval.
12. methods of payment as claimed in claim 1, is characterized in that, when described platform of user management sends the account related information of payment account information of described first payment account to the single platform of described receipts, also comprise:
The single platform of described receipts finds out the described payment account information of described first payment account according to described account related information in the database of the single platform of described receipts.
13. methods of payment as claimed in claim 1, it is characterized in that, described confirmation comprises the payment transaction password of described first payment account.
14. methods of payment as claimed in claim 13, is characterized in that, if described payment transaction password is correct, then described payment transaction server performs described payment transaction, otherwise to described settlement platform and described payment terminal feeding back unsuccessful notification message.
15. methods of payment as claimed in claim 1, is characterized in that, also comprise:
Described payment transaction server sends to described payment terminal and confirms request; And
Described payment terminal sends described confirmation in response to described confirmation request to described payment transaction server.
16. methods of payment as claimed in claim 1, is characterized in that, described payment transaction server performs payment transaction and comprises:
Payment is put under the trading account of described settlement platform and feeds back payment and settlement information to described settlement platform by described payment transaction server.
17. methods of payment as claimed in claim 1, is characterized in that, described signal transmission is any one signal in acoustic signals, infrared signal, WiFi signal, radiofrequency signal.
18. 1 kinds of payment systems, comprising:
Payment terminal, for sending identity information with the form of signal transmission;
Receiving terminal, for receiving, described identity information is concurrent send Transaction Information, and described Transaction Information comprises described identity information;
Receive single platform, for receiving described Transaction Information and sending based on described identity information the request of payment, the described payment account information paying request and comprise for the first Payment Card paid;
Settlement platform, send clearing request for receiving described payment request Concurrency, described clearing request comprises the described payment account information of described first payment account;
Payment transaction server, for based on the clearing request from described settlement platform and the confirmation information and executing payment transaction from described payment terminal; And
Platform of user management, described platform of user management is used for verifying the described identity information being received from the single platform of described receipts, if be proved to be successful, then transmit the described payment account information of described first payment account or the account related information of described payment account information to the single platform of described receipts.
19. payment systems as claimed in claim 18, it is characterized in that, if described platform of user management is also for authentication failed, transmit authentication failed message to the single platform of described receipts, and the single platform of described receipts is also for being transmitted to described receiving terminal in response to receiving described authentication failed message by described authentication failed message.
20. payment systems as claimed in claim 18, it is characterized in that, described confirmation comprises the payment transaction password of described first payment account.
21. payment systems as claimed in claim 20, is characterized in that, if described payment transaction server is also for described payment transaction password correctly, perform described payment transaction, otherwise to described settlement platform and described payment terminal feeding back unsuccessful notification message.
22. payment systems as claimed in claim 18, it is characterized in that, described payment transaction server also confirms request for sending to described payment terminal, and described payment terminal is also for sending described confirmation in response to described confirmation request to described payment transaction server.
23. payment systems as claimed in claim 18, is characterized in that, described payment transaction server be further used for payment to put under described settlement platform trading account and to described settlement platform feedback payment and settlement information.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410182845.7A CN104166916B (en) | 2014-04-30 | 2014-04-30 | Method of payment and payment system |
| PCT/CN2015/082854 WO2015165426A1 (en) | 2014-04-30 | 2015-06-30 | Payment method and payment system |
| US15/336,830 US20170046705A1 (en) | 2014-04-30 | 2016-10-28 | Payment method and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410182845.7A CN104166916B (en) | 2014-04-30 | 2014-04-30 | Method of payment and payment system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104166916A CN104166916A (en) | 2014-11-26 |
| CN104166916B true CN104166916B (en) | 2016-04-27 |
Family
ID=51910712
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410182845.7A Active CN104166916B (en) | 2014-04-30 | 2014-04-30 | Method of payment and payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104166916B (en) |
Families Citing this family (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015165426A1 (en) * | 2014-04-30 | 2015-11-05 | 深圳光启智能光子技术有限公司 | Payment method and payment system |
| WO2016029800A1 (en) * | 2014-08-27 | 2016-03-03 | 深圳光启智能光子技术有限公司 | Transaction terminal |
| US10535067B2 (en) * | 2015-07-01 | 2020-01-14 | Mastercard International Incorporated | Electronic incremental payments |
| TWI567666B (en) * | 2015-12-04 | 2017-01-21 | 鈊象電子股份有限公司 | System and method for cash flow authentication by a third party platform |
| CN105654299A (en) * | 2015-12-31 | 2016-06-08 | 深圳前海微众银行股份有限公司 | Mobile payment method, and cloud payment platform and system |
| CN105701652A (en) * | 2016-01-29 | 2016-06-22 | 四川长虹电器股份有限公司 | Unified payment method on the basis of mobile terminal |
| CN107423983A (en) * | 2017-04-05 | 2017-12-01 | 合肥酷睿网络科技有限公司 | A kind of safety payment system and method for payment |
| CN107563748B (en) * | 2017-08-31 | 2021-05-28 | 网易宝有限公司 | Processing method and device for account, medium and computing equipment |
| TWI776074B (en) * | 2019-07-18 | 2022-09-01 | 財金資訊股份有限公司 | Cross-wallet or cross-payment platform payment method and payment system |
| CN113034152A (en) * | 2021-03-26 | 2021-06-25 | 上海云从企业发展有限公司 | Transaction method, device, machine readable medium and equipment |
| CN115018486B (en) * | 2022-06-06 | 2023-08-01 | 易联支付有限公司 | Unified payment system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101604427A (en) * | 2009-07-10 | 2009-12-16 | 阿里巴巴集团控股有限公司 | Data processing method and system, transaction processing system, third party's payment system |
| CN103116846A (en) * | 2012-12-27 | 2013-05-22 | 重庆濯晖科技有限公司 | Mobile payment based on visible light communications |
-
2014
- 2014-04-30 CN CN201410182845.7A patent/CN104166916B/en active Active
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101604427A (en) * | 2009-07-10 | 2009-12-16 | 阿里巴巴集团控股有限公司 | Data processing method and system, transaction processing system, third party's payment system |
| CN103116846A (en) * | 2012-12-27 | 2013-05-22 | 重庆濯晖科技有限公司 | Mobile payment based on visible light communications |
Also Published As
| Publication number | Publication date |
|---|---|
| CN104166916A (en) | 2014-11-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104166916B (en) | Method of payment and payment system | |
| CN104166915B (en) | Stored value card method of payment and system | |
| US9818092B2 (en) | System and method for executing financial transactions | |
| US9807612B2 (en) | Secure data interaction method and system | |
| US10270587B1 (en) | Methods and systems for electronic transactions using multifactor authentication | |
| CN103873244B (en) | Identity authentication method and system in mobile payment based on fingerprint identification | |
| US20150356524A1 (en) | System and method for executing financial transactions | |
| CN104166910B (en) | Photon method of payment and system based on photon wallet | |
| CN104166912B (en) | Photon method of payment and payment system | |
| US20140164154A1 (en) | Payment initiation and acceptance system | |
| CN111062717B (en) | Data transfer processing method, device and computer readable storage medium | |
| CN104166908B (en) | Method of payment and payment system | |
| WO2016118896A1 (en) | Transaction utilizing anonymized user data | |
| CN105590199A (en) | Payment method and payment system based on dynamic two-dimensional code | |
| CN103903131A (en) | Method and system for achieving electronic transaction based on graphic code | |
| CN103198403A (en) | Safe mobile payment method based on two-dimension code | |
| CN103839157A (en) | Electronic payment method, device and system | |
| CN104182868B (en) | Method of payment and payment system | |
| CN103942691A (en) | Method and system for realizing electronic transaction through sound waves | |
| CN105608563A (en) | Payment processing method, related equipment and payment processing system | |
| US12248924B2 (en) | System and method for mobile payments | |
| JP2018534659A (en) | Payment transaction validation | |
| CN104166911B (en) | Photon method of payment and system | |
| CN104200365A (en) | Writing and paying method for electronic check | |
| CN104166913B (en) | Photon method of payment and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| ASS | Succession or assignment of patent right |
Owner name: SHENZHEN GUANGQI INTELLIGENT PHOTONICS TECHNOLOGY Free format text: FORMER OWNER: SHENZHEN KUANG-CHI INNOVATION TECHNOLOGY CO., LTD. Effective date: 20150708 |
|
| C41 | Transfer of patent application or patent right or utility model | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20150708 Address after: 518000 Guangdong city of Shenzhen province Futian District Shennan Road and CaiTian Road intersection East Xintiandi Plaza C block 2007-27 Applicant after: KUANG-CHI INTELLIGENT PHOTONIC TECHNOLOGY Ltd. Address before: 518034 A international business center, No. 1061, Xiang Mei Road, Guangdong, Shenzhen, Futian District, China 18B Applicant before: KUANG-CHI INNOVATIVE TECHNOLOGY Ltd. |
|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20240509 Address after: Building 4, 1st Floor, Foshan Military Civilian Integration Industrial Park, No. 68 Defu Road, Xingtan Town, Shunde District, Foshan City, Guangdong Province, 528300 Patentee after: Foshan Shunde Guangqi Advanced Equipment Co.,Ltd. Country or region after: China Address before: 518000 Guangdong, Shenzhen, Futian District, Shennan Road and colored field road intersection C East Block New World Plaza 2007-27 Patentee before: KUANG-CHI INTELLIGENT PHOTONIC TECHNOLOGY Ltd. Country or region before: China |
|
| TR01 | Transfer of patent right |