CN106980974A - A kind of method and system of mobile payment - Google Patents
A kind of method and system of mobile payment Download PDFInfo
- Publication number
- CN106980974A CN106980974A CN201610031958.6A CN201610031958A CN106980974A CN 106980974 A CN106980974 A CN 106980974A CN 201610031958 A CN201610031958 A CN 201610031958A CN 106980974 A CN106980974 A CN 106980974A
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- Prior art keywords
- mobile terminal
- mobile
- payment
- trade company
- mobile payment
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- 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
- G06Q20/30—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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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of system and method for mobile payment, the system includes user's Mobile payment terminal, trade company's Mobile payment terminal and mobile payment server；The mobile payment server is provided with mobile payment background system by interior, and trade company's Mobile payment terminal is collided or press close to by user's Mobile payment terminal；Or trade company's Mobile payment terminal is collided or be close to the users Mobile payment terminal；The data produced by user's Mobile payment terminal and timestamp and trade company's Mobile payment terminal are matched, so as to complete to pay.Operating process when being merchandised face-to-face through row this process simplify traditional mobile payment, improves the Experience Degree of user, is that user saves the time.
Description
Technical field：
The invention belongs to network communication field, it is related to a kind of method and system of mobile payment,
Especially a kind of method and system for using collision or pressing close to the payment of mode wireless mobile.
Background technology：
In recent years, continuing to develop and popularizing with mobile Internet and ecommerce, online branch
Pay and mobile payment turns into the main means of payment of ecommerce.Mobile payment, is with movement
Terminal is the business transaction that carrier is realized by mobile communications network.
At present, it is necessary on manual unlocking mobile terminal when user with businessman merchandise face-to-face
Virtual wallet, Merchant Account information is inputted in virtual wallet, execution is paid a bill instruction, is confirmed
The sequence of operations action such as pay a bill could complete transaction, and payment process is relatively overelaborated.So as to big
The big Experience Degree for reducing user, consumes the time of user.
The content of the invention：
It is an object of the invention to the shortcoming for overcoming above-mentioned prior art, there is provided a kind of mobile payment
Method and system, this method simplify pay operating process, be user save the time, improve
The Experience Degree of user.
The purpose of the present invention is solved by the following technical programs：
A kind of system of mobile payment, includes user's Mobile payment terminal, trade company's mobile payment
Terminal and mobile payment server；The mobile payment server is provided with mobile payment by interior
Background system.
The method of payment of the system, in accordance with the following steps：
(1) user's Mobile payment terminal is collided or pressed close to trade company's Mobile payment terminal；Or
Trade company's Mobile payment terminal is collided or is close to the users Mobile payment terminal；
(2) it is described to collide or press close to action by gravity sensor built in customer mobile terminal and add
Velocity sensor is triggered, and then triggers customer mobile terminal by accessing mobile Internet by transaction
The data such as request, positional information, the timestamp of request, mobile terminal identification code are sent to movement
Paying server；Similarly, the crash-active by gravity sensor built in trade company's mobile terminal and
Acceleration transducer is triggered, and then triggers trade company's mobile terminal by accessing mobile Internet by position
The data such as confidence breath, the timestamp of request, mobile terminal identification code are sent to mobile payment service
Device；
(3) mobile payment server by mobile Internet receive the customer mobile terminal,
After the data come transmitted by trade company's mobile terminal, data calculating processing is carried out；It is determined that in timestamp
Nearest position, a nearest customer mobile terminal of relative distance and trade company's movement are eventually
End, it is double for transaction that mobile payment backstage defines above-mentioned customer mobile terminal and trade company's mobile terminal
Side, the payment request information sent according to above-mentioned customer mobile terminal, is returned to trade company's mobile terminal
The payment information of customer mobile terminal is returned, while returning to trade company's mobile terminal to customer mobile terminal
Information；
(4) customer mobile terminal receives the result number of mobile payment background server return
According to rear, confirmation processing is carried out, then transaction is completed；Trade company's mobile terminal receives movement simultaneously
The processing data result that paying server is returned, shows through data parsing on trade company's mobile terminal
Turnover, and carry out voice broadcast.
Described data calculating processing refers to customer mobile terminal 1 and trade company's mobile terminal 2
Positional information, temporal information are calculated.
The nearest position of the timestamp is the timestamp within 3 milliseconds.
The relative distance refers within 50 meters recently.
Payment is carried out by way of collision can simplify face-to-face transaction flow, be saved for user
Time, but be due to that the mode of collision has an artificial error, easy injury device and produce mistake
Difference, mode preferably can be paid by the way of equipment is mutually pressed close to, and thus be kept away
Equipment damage and error caused by collision are exempted from.
The beneficial effects of the present invention are：When simplifying traditional mobile payment through capable transaction face-to-face
Operating process, improve the Experience Degree of user, be that user saves the time.
Brief description of the drawings
Fig. 1 is the inventive principle figure；
Fig. 2 is the invention flow chart；
Wherein：101 it is mobile payment server, 102 be customer mobile terminal, 103 is trade company
Mobile terminal.
Embodiment：
The present invention is described in detail with reference to the accompanying drawings and detailed description.It should manage
Solution, specific embodiment described herein only to explain the present invention, is not used to limit this hair
It is bright.It also should be noted that, for the ease of description, it illustrate only in accompanying drawing and the present invention
Related part rather than entire infrastructure.
Embodiment one
The embodiments of the invention provide a kind of method of payment and system, include user's mobile payment
Terminal, trade company's Mobile payment terminal, mobile payment background system.The method of the present embodiment is specific
Including following operation：
Customer mobile terminal is collided with trade company mobile terminal.
The crash-active is by gravity sensor built in customer mobile terminal and acceleration transducer
Triggering, and then customer mobile terminal is triggered by accessing mobile Internet by transaction request, position
The data such as information, the timestamp of request, mobile terminal identification code are sent to mobile payment server；
Similarly, the crash-active is by gravity sensor and acceleration transducer built in trade company's mobile terminal
Triggering, and then trade company's mobile terminal is triggered by accessing mobile Internet by positional information, request
Timestamp, mobile terminal identification code etc. data be sent to mobile payment server.
Mobile payment backstage receives the customer mobile terminal, trade company by mobile Internet and moved
After the data come transmitted by dynamic terminal, data calculating processing is carried out.Data described here are calculated
Processing refers to enter positional information, the temporal information of customer mobile terminal and trade company mobile terminal
Row is calculated.
Gained is relative in nearest (may be defined as within 2ms [the millisecond]) positional information of timestamp
Closest (may be defined as in the range of 50m [rice]) customer mobile terminal and a business
Family mobile terminal, above-mentioned two mobile terminal of mobile payment backstage definable is both parties, according to
The payment request information that above-mentioned customer mobile terminal is sent, returns to user to trade company's mobile terminal and moves
The payment information of dynamic terminal, while returning to the information of trade company's mobile terminal to customer mobile terminal.
Customer mobile terminal is taken after the result data of mobile payment background server return,
Confirmation processing is carried out, then transaction is completed.Trade company's mobile terminal is taken after mobile payment simultaneously
The processing data result that platform server is returned, is shown as through data parsing on trade company's mobile terminal
The amount of money is handed over, and carries out voice broadcast.
Embodiment two
The embodiments of the invention provide a kind of method of payment and system, include user's mobile payment
Terminal, trade company's Mobile payment terminal, mobile payment background system.The method of the present embodiment is specific
Including following operation：
Customer mobile terminal is pressed close to face-to-face with trade company mobile terminal.
It is described face-to-face press close to action it is (described here to press close to refer to that two mobile terminals are faced face-to-face
When the mutual air line distance in face is certain numerical value, this numerical value is defined as 5cm), when proximity distance is small
When numerical value is defined, then customer mobile terminal internal short-range proximity transducer is triggered, and then
Make customer mobile terminal by access mobile Internet by transaction request, positional information, request
The data such as timestamp, mobile terminal identification code are sent to mobile payment server；Similarly, it is described
Press close to action face-to-face to trigger trade company's mobile terminal internal short-range proximity transducer, and then make
Trade company's mobile terminal is by accessing mobile Internet by positional information, the timestamp of request, movement
The data such as host ID are sent to mobile payment server.
Mobile payment backstage receives the customer mobile terminal, trade company by mobile Internet and moved
After the data come transmitted by dynamic terminal, data calculating processing is carried out.Data described here are calculated
Processing refers to enter positional information, the temporal information of customer mobile terminal and trade company mobile terminal
Row is calculated.
Gained is relative in nearest (may be defined as within 2ms [the millisecond]) positional information of timestamp
Closest (may be defined as in the range of 50m [rice]) customer mobile terminal and a business
Family mobile terminal, above-mentioned two mobile terminal of mobile payment backstage definable is both parties, according to
The payment request information that above-mentioned customer mobile terminal is sent, returns to user to trade company's mobile terminal and moves
The payment information of dynamic terminal, while returning to the information of trade company's mobile terminal to customer mobile terminal.
Customer mobile terminal is taken after the result data of mobile payment background server return,
Confirmation processing is carried out, then transaction is completed.Trade company's mobile terminal is taken after mobile payment simultaneously
The processing data result that platform server is returned, is shown as through data parsing on trade company's mobile terminal
The amount of money is handed over, and carries out voice broadcast.
Above content is made for the present invention further detailed with reference to specific preferred embodiment
Describe in detail bright, it is impossible to assert that the embodiment of the present invention is only limitted to this, for belonging to the present invention
For the those of ordinary skill of technical field, without departing from the inventive concept of the premise, may be used also
To make some simple deduction or replace, the power of the invention by being submitted should be all considered as belonging to
Sharp claim determines scope of patent protection.
Claims (5)
1. a kind of system of mobile payment, it is characterised in that：Include user's Mobile payment terminal,
Trade company's Mobile payment terminal and mobile payment server；The mobile payment server is set by interior
It is equipped with mobile payment background system.
2. the method for payment based on system described in claim 1, it is characterised in that according to as follows
Step：
(1) user's Mobile payment terminal is collided or pressed close to trade company's Mobile payment terminal；Or will
Trade company's Mobile payment terminal collision or Mobile payment terminal of being close to the users；
(2) it is described to collide or press close to action by gravity sensor built in customer mobile terminal and acceleration
Sensor-triggered is spent, and then triggers customer mobile terminal and is asked transaction by accessing mobile Internet
Ask, the data such as positional information, the timestamp of request, mobile terminal identification code are sent to mobile branch
Pay server；Similarly, the crash-active is by gravity sensor built in trade company's mobile terminal and adds
Velocity sensor is triggered, and then triggers trade company's mobile terminal by accessing mobile Internet by position
The data such as information, the timestamp of request, mobile terminal identification code are sent to mobile payment server；
(3) mobile payment server by mobile Internet receive the customer mobile terminal,
After the data come transmitted by trade company's mobile terminal, data calculating processing is carried out；It is determined that in timestamp
Nearest position, a nearest customer mobile terminal of relative distance and trade company's movement are eventually
End, it is double for transaction that mobile payment backstage defines above-mentioned customer mobile terminal and trade company's mobile terminal
Side, the payment request information sent according to above-mentioned customer mobile terminal, is returned to trade company's mobile terminal
The payment information of customer mobile terminal is returned, while returning to trade company's mobile terminal to customer mobile terminal
Information；
(4) customer mobile terminal receives the result data of mobile payment background server return
Afterwards, confirmation processing is carried out, then transaction is completed；Trade company's mobile terminal receives mobile branch simultaneously
The processing data result that pay server is returned, is shown as through data parsing on trade company's mobile terminal
The amount of money, customer mobile terminal basic transaction information are handed over, and carries out voice broadcast.
3. the method for payment based on system described in claim 1, it is characterised in that according to as follows
Step：Described data calculating processing refers to customer mobile terminal 1 and trade company's mobile terminal 2
Positional information, temporal information calculated.
4. the method for payment based on system described in claim 1, it is characterised in that according to as follows
Step：The nearest position of the timestamp is the timestamp within 3 milliseconds.
5. the method for payment based on system described in claim 1, it is characterised in that according to as follows
Step：The relative distance refers within 50 meters recently.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610031958.6A CN106980974A (en) | 2016-01-18 | 2016-01-18 | A kind of method and system of mobile payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610031958.6A CN106980974A (en) | 2016-01-18 | 2016-01-18 | A kind of method and system of mobile payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106980974A true CN106980974A (en) | 2017-07-25 |
Family
ID=59341206
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610031958.6A Pending CN106980974A (en) | 2016-01-18 | 2016-01-18 | A kind of method and system of mobile payment |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108665257A (en) * | 2018-04-24 | 2018-10-16 | 广东云卓全景网络科技有限公司 | A kind of terminal payment method |
| CN108734462A (en) * | 2018-05-15 | 2018-11-02 | 惠龙易通国际物流股份有限公司 | A kind of method of mobile payment, device, system and storage medium |
| WO2019165866A1 (en) * | 2018-03-01 | 2019-09-06 | 阿里巴巴集团控股有限公司 | Commodity settlement method and apparatus and electronic device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2019165866A1 (en) * | 2018-03-01 | 2019-09-06 | 阿里巴巴集团控股有限公司 | Commodity settlement method and apparatus and electronic device |
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Application publication date: 20170725 |