CN105184556A - Bluetooth-based mobile payment system and payment method - Google Patents
Bluetooth-based mobile payment system and payment method Download PDFInfo
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- CN105184556A CN105184556A CN201510494321.6A CN201510494321A CN105184556A CN 105184556 A CN105184556 A CN 105184556A CN 201510494321 A CN201510494321 A CN 201510494321A CN 105184556 A CN105184556 A CN 105184556A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a Bluetooth-based mobile payment system and payment method. The system comprises a payment terminal, a mobile terminal, a mobile payment background system, an authentication IC card and a financial cipher machine. The payment terminal is connected with a merchant order receiving system and is in Bluetooth wireless connection with the mobile terminal for sending a payment request to the mobile terminal. A master control module reads merchant identity information stored in the authentication IC card through a card reading module and carries out validity verification. The mobile terminal is in communication connection with the mobile payment background system through a communication module and forwards and sends the payment request to the mobile payment background system via the communication module. The financial cipher machine is in conducted connection with the mobile payment background system and carries out decryption on the payment request so that the mobile payment background system can finish payment and deduction conveniently. In such a way, the system provided by the invention can be applied to a conventional mobile terminal generally having a Bluetooth function, replacement of the mobile terminal and an SIM card is unnecessary, the cost is saved, the security is high, the system is easily accepted by users and merchants, and popularization and application are easier.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and particularly relates to a mobile payment system and a payment method based on Bluetooth.
Background
Mobile payment, which is a service mode allowing a user to use his mobile terminal (usually a mobile phone) to perform financial payment for goods or services consumed; the entire mobile payment value chain includes mobile operators, payment facilitators (e.g., banks, unions, etc.), application providers (public transport, campuses, utilities, etc.), equipment providers (end vendors, card providers, chip providers, etc.), system integrators, merchants, and end users.
At present, mobile payment systems in the market are payment systems based on an NFC near field communication technology, and because the working frequency of the NFC near field communication technology is 13.56MHz, and mobile terminals such as smart phones with the NFC near field communication technology are few, users must replace specially-made mobile terminals when applying the existing mobile payment systems, and meanwhile, a common SIM card needs to be replaced by an SWP-SIM card, so that the cost is increased, the popularization and the application are very troublesome and inconvenient, and the experience feeling of the users is greatly reduced; in addition, the conventional mobile payment has no process of authenticating the payment terminal, so that the use of an illegal payment terminal cannot be avoided, and the payment safety is low.
Disclosure of Invention
In order to solve the technical problems in the prior art, the invention provides the mobile payment system and the payment method based on the Bluetooth, which have the advantages of extremely wide application range, no need of replacing an NFC mobile terminal and an SWP-SIM card, application cost saving, extremely high safety, easy acceptance by users and merchants, easier popularization and application, higher popularity rate and benefit for market development.
In order to solve the technical problems, the invention adopts the following technical scheme:
a mobile payment system based on Bluetooth comprises a payment terminal, a mobile payment background system, an authentication IC card and a financial cipher machine; wherein,
the payment terminal is connected with the merchant acquiring system and is provided with a main control module, a first Bluetooth module, a security module for encrypting and decrypting data and a card reading module for reading merchant identity information in the authentication IC card, wherein the first Bluetooth module, the security module and the card reading module are all in conduction connection with the main control module, and the main control module reads the merchant identity information stored in the authentication IC card through the card reading module and performs validity verification;
the mobile terminal is provided with a second Bluetooth module, a communication module and a payment application module, and the second Bluetooth module and the communication module are in conductive connection with the application module;
the payment terminal is in wireless connection with a second Bluetooth module of the mobile terminal through the first Bluetooth module so as to send the payment request to the mobile terminal; the mobile terminal is in communication connection with the mobile payment background system through the communication module and transmits the payment request to the mobile payment background system through the payment application module; the financial crypto machine is in conductive connection with the mobile payment background system and used for encrypting and decrypting the payment request so that the mobile payment background system can complete payment and deduction.
Further, the card reading module is a contact type IC card reader or a non-contact type IC card reader.
Further, the mobile payment background system is a system adopting a B/S architecture, a client side of the mobile payment background system is accessed through a wired network by a browser, and a server of the mobile payment background system is a Web application server.
Further, the mobile terminal is a smart phone or a telephone tablet computer, and the communication module is a GPRS module.
A mobile payment method based on Bluetooth comprises the following steps:
firstly, a payment terminal receives a payment request sent by a merchant acquiring system;
then, after the payment terminal reads the merchant information of the authentication IC card and verifies the merchant information to be legal, the payment terminal sends a payment request encrypted by the security module to the mobile terminal through the first Bluetooth module;
then, the payment application module of the mobile terminal transmits the bound payment account and the payment request I to the mobile payment background system through the communication module;
and finally, the mobile payment background system decrypts the payment request through the financial crypto engine, carries out payment deduction from the received payment account, feeds the payment result back to the mobile terminal, and sends the payment result to the payment terminal through the second Bluetooth module by the payment application module of the mobile terminal.
Further, the "the payment terminal reads the merchant information of the authentication IC card to verify the validity" specifically includes: and the main control module of the payment terminal calls the card reading module to send a verification instruction, and the verification instruction reads the merchant information stored in the authentication IC card and carries out validity check.
The invention has the beneficial effects that:
through the technical scheme, the mobile terminal with the Bluetooth function can be suitable for the existing mobile terminal with the Bluetooth function, the application range is extremely wide, the special NFC mobile terminal and the special SWP-SIM card do not need to be replaced, the application cost of mobile payment is greatly saved, the payment safety is extremely high, the mobile payment terminal is easy to accept by users and merchants, the popularization and the application are easier, the popularization rate is higher, the market development is facilitated, and the commercial success is achieved.
Drawings
The invention will be further described with reference to the following detailed description of embodiments and with reference to the accompanying drawings in which:
FIG. 1 is a schematic block diagram of the structure of an embodiment of a Bluetooth-based mobile payment system according to the present invention;
fig. 2 is a flow chart illustrating a mobile payment method of a bluetooth-based mobile payment system according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1 and 2:
the embodiment of the invention provides a mobile payment system based on Bluetooth, which comprises a payment terminal 1, a mobile terminal 2, a mobile payment background system 3, an authentication IC card 4 (the authentication IC card 4 is a card which is issued to a merchant by a mobile payment system operator for identity verification, a key stored in the authentication IC card is the same as a key in a financial crypto engine 5, and mutual validity confirmation is carried out between the authentication IC card and the payment terminal 1 in a bidirectional authentication mode so as to ensure that a user of the payment terminal 1 is legal), and the financial crypto engine 5 (the financial crypto engine 5 stores the key of the financial payment system, is internally provided with a Linux operating system, provides services in a TCP/IP mode, and has a data encryption and decryption function). The payment terminal 1 is a wireless device, powered by a power module, connected to a merchant acquiring system, and provided with a main control module 11, a first bluetooth module 12, a security module 13 for encrypting and decrypting data, and a card reading module 14 for reading merchant identity information in an authentication IC card 4 (the main control module 11, the first bluetooth module 12, the security module 13, and the card reading module 14 are all in the prior art, and the structures and working principles thereof are the same as those of the existing modules, and no further description is given here), the first bluetooth module 12, the security module 13, and the card reading module 14 are all in conduction connection with the main control module 11, and the main control module 11 reads merchant identity information stored in the authentication IC card 4 through the card reading module 14 to perform validity verification. The mobile terminal 2 is provided with a second bluetooth module 21, a communication module 22 and a payment application module 23 (the payment application module 23 is payment application software, and is the prior art as well as the second bluetooth module 21 and the communication module 22, and the structure and the working principle are the same as those of the prior art, which is not described herein again), and the second bluetooth module 21 and the communication module 22 are both in conduction connection with the application module 23. The payment terminal 1 is in wireless connection with a second Bluetooth module 21 of the mobile terminal 2 through a first Bluetooth module 12 to send a payment request to the mobile terminal 2; the mobile terminal 2 can be a smart phone or a telephone tablet computer, the communication module 22 can be a GPRS module, the mobile terminal 2 is in communication connection with the mobile payment background system 3 through the communication module 22, and forwards a payment request to the mobile payment background system 3 through the communication module 22 through the payment application module 23; the mobile payment background system 3 includes functional modules of data storage, settlement service, data analysis, and the like, and is a B/S (client/server) architecture system written by adopting a high-level programming language (such as Java), wherein the client is accessed by adopting a browser through a wired network, and the server is a Web application server (such as Tomcat application server). The financial crypto engine 5 is in conductive connection with the mobile payment background system 3, and is used for encrypting and decrypting the payment request so that the mobile payment background system 3 can complete payment and deduction.
The mobile payment method of the mobile payment system based on the Bluetooth comprises the following steps:
step a, the payment terminal 1 receives a payment request sent by the merchant acquirer system.
Step B, after the payment terminal 1 reads the merchant information of the authentication IC card and verifies that the merchant information is legal, a payment request encrypted by the security module 13 is sent to the mobile terminal 2 through the first Bluetooth module 12; the specific steps of the payment terminal 1 reading the merchant information of the authentication IC card for verification are as follows: the main control module 11 of the payment terminal calls the card reading module 14 to send a verification instruction, and the verification instruction reads the merchant information stored in the authentication IC card 4 and performs validity check.
And step C, the payment application module 23 of the mobile terminal 2 transmits the bound payment account (the consumer bank account information) and the payment request I to the mobile payment background system 3 through the communication module 22.
And D, the mobile payment background system 3 decrypts the payment request through the financial password machine 5, performs payment deduction from the received payment account, feeds the payment result back to the mobile terminal 2, and sends the payment result to the payment terminal 1 through the second Bluetooth module 21 by the payment application module 23 of the mobile terminal 2.
Therefore, the mobile payment system and the payment method based on the Bluetooth can be suitable for the existing mobile terminal generally having the Bluetooth function, have extremely wide application range, do not need to be replaced by a specially-made NFC mobile terminal and an SWP-SIM card, greatly save the application cost of mobile payment, and effectively prevent illegal payment terminal from being used by adopting a double-safety certification mechanism consisting of a safety module 13 and a certification IC card 4, so that the payment safety is extremely high; therefore, the method is easily accepted by users (existing mobile terminal users) and merchants, is easier to popularize and apply, has higher popularization rate, and is beneficial to market development, thereby obtaining commercial success.
While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention.
Claims (6)
1. A mobile payment system based on Bluetooth is characterized by comprising a payment terminal (1), a mobile terminal (2), a mobile payment background system (3), an authentication IC card (4) and a financial cipher machine (5); wherein,
the payment terminal (1) is connected with a merchant acquiring system and is provided with a main control module (11), a first Bluetooth module (12), a security module (13) for encrypting and decrypting data and a card reading module (14) for reading merchant identity information in an authentication IC card (4), wherein the first Bluetooth module (12), the security module (13) and the card reading module (14) are all in conduction connection with the main control module (11), and the main control module (11) reads the merchant identity information stored in the authentication IC card (4) through the card reading module (14) to carry out validity verification;
the mobile terminal (2) is provided with a second Bluetooth module (21), a communication module (22) and a payment application module (23), and the second Bluetooth module (21) and the communication module (22) are both in conduction connection with the application module (23);
moreover, the payment terminal (1) is in wireless connection with a second Bluetooth module (21) of the mobile terminal (2) through the first Bluetooth module (12) to send a payment request to the mobile terminal (2); the mobile terminal (2) is in communication connection with the mobile payment background system (3) through the communication module (22), and transmits a payment request to the mobile payment background system (3) through the communication module (22) through the payment application module (23); the financial crypto engine (5) is in conductive connection with the mobile payment background system (3) and is used for encrypting and decrypting the payment request so that the mobile payment background system (3) can complete payment and deduction.
2. A bluetooth based mobile payment system according to claim 1, characterized in that the card reading module (14) is a contact IC card reader or a contactless IC card reader.
3. The mobile payment system based on bluetooth as claimed in claim 1 or 2, wherein the mobile payment background system (3) is a system adopting B/S architecture, the client is accessed by browser through wired network, and the server is Web application server.
4. A mobile payment system based on bluetooth according to claim 1 or 2, characterized in that the mobile terminal (2) is a smartphone or a phone tablet and the communication module (22) is a GPRS module.
5. A mobile payment method based on Bluetooth is characterized by comprising the following steps:
firstly, a payment terminal (1) receives a payment request sent by a merchant acquiring system;
then, after the payment terminal (1) reads the merchant information of the authentication IC card and verifies that the merchant information is legal, a payment request encrypted by the security module (13) is sent to the mobile terminal (2) through the first Bluetooth module (12);
then, a payment application module (23) of the mobile terminal (2) transmits the bound payment account and the payment request to a mobile payment background system (3) through a communication module (22);
and finally, the mobile payment background system (3) decrypts the payment request through the financial crypto engine (5), carries out payment deduction from the received payment account, feeds the payment result back to the mobile terminal (2), and sends the payment result to the payment terminal (1) through the second Bluetooth module (21) by the payment application module (23) of the mobile terminal (2).
6. The mobile payment method based on bluetooth as claimed in claim 5, wherein the "the payment terminal (1) reads the merchant information of the authentication IC card for verification" specifically is: and the main control module (11) of the payment terminal calls the card reading module (14) to send a verification instruction, and the verification instruction reads the merchant information stored in the authentication IC card (4) and carries out validity check.
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| CN201510494321.6A CN105184556A (en) | 2015-08-12 | 2015-08-12 | Bluetooth-based mobile payment system and payment method |
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Cited By (11)
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| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
| CN105718769A (en) * | 2016-01-13 | 2016-06-29 | 珠海保税区星汉智能卡股份有限公司 | Motor vehicle driver identity authentication method and system |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
| CN107392588A (en) * | 2017-06-21 | 2017-11-24 | 深圳市欧乐在线技术发展有限公司 | A kind of payment mechanism and its implementation based on signaling network |
| CN107491954A (en) * | 2016-06-13 | 2017-12-19 | 邓斌涛 | Information interacting method, authentication and electronic fare payment system and method |
| CN108200563A (en) * | 2018-02-06 | 2018-06-22 | 浙江大学 | A kind of nfc card piece system of additional separate type bluetooth switching accessory |
| CN109034785A (en) * | 2018-07-03 | 2018-12-18 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN109034789A (en) * | 2017-06-08 | 2018-12-18 | 鸿骅科技股份有限公司 | Method for online payment, computer program product and mobile payment card thereof |
| CN111741453A (en) * | 2020-05-29 | 2020-10-02 | 拉卡拉支付股份有限公司 | Bluetooth data encapsulation communication method and device |
| CN115038070A (en) * | 2022-06-02 | 2022-09-09 | 北京万家互联科技有限公司 | A mobile communication terminal, card reader terminal and communication method |
| CN115065961A (en) * | 2022-06-02 | 2022-09-16 | 北京万家互联科技有限公司 | One-card system based on Bluetooth communication mechanism and SIM card and implementation method |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
| CN105718769A (en) * | 2016-01-13 | 2016-06-29 | 珠海保税区星汉智能卡股份有限公司 | Motor vehicle driver identity authentication method and system |
| CN105718769B (en) * | 2016-01-13 | 2018-05-29 | 星汉智能科技股份有限公司 | A kind of vehicle driver identity identifying method and system |
| CN107491954A (en) * | 2016-06-13 | 2017-12-19 | 邓斌涛 | Information interacting method, authentication and electronic fare payment system and method |
| CN109034789A (en) * | 2017-06-08 | 2018-12-18 | 鸿骅科技股份有限公司 | Method for online payment, computer program product and mobile payment card thereof |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
| CN107392588A (en) * | 2017-06-21 | 2017-11-24 | 深圳市欧乐在线技术发展有限公司 | A kind of payment mechanism and its implementation based on signaling network |
| CN108200563A (en) * | 2018-02-06 | 2018-06-22 | 浙江大学 | A kind of nfc card piece system of additional separate type bluetooth switching accessory |
| CN109034785A (en) * | 2018-07-03 | 2018-12-18 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN109034785B (en) * | 2018-07-03 | 2021-02-02 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN111741453A (en) * | 2020-05-29 | 2020-10-02 | 拉卡拉支付股份有限公司 | Bluetooth data encapsulation communication method and device |
| CN115038070A (en) * | 2022-06-02 | 2022-09-09 | 北京万家互联科技有限公司 | A mobile communication terminal, card reader terminal and communication method |
| CN115065961A (en) * | 2022-06-02 | 2022-09-16 | 北京万家互联科技有限公司 | One-card system based on Bluetooth communication mechanism and SIM card and implementation method |
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Application publication date: 20151223 |
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