CN110428251A - A kind of method of mobile payment and system - Google Patents

Abstract

The invention discloses a mobile payment method and device. The mobile payment method is used on a payment platform, and the method includes: receiving a call request from a payment terminal; obtaining a corresponding payment account according to the identification code of the payment terminal; generating a payment code in the payment account; sending the payment code. The mobile payment method can complete the payment through the phone, is simple to operate, and is convenient for people who have weak acceptability and are not accustomed to using payment software to pay, and the payment can also be completed by using a function phone, which expands the scope of application.

Description

A mobile payment method and system

technical field

The invention relates to the field of communication technology, in particular to a mobile payment method and system for non-smart phones.

Background technique

The current mobile payment needs to be completed through a smart phone, that is, the mobile payment is realized with the help of the payment software installed on the smart phone. When paying, first open the connection network (mobile network connection or Internet), then open the payment software, find out the payment QR code from the payment software system and display it, to complete the payment. This payment method has certain requirements on the configuration of the smart phone, and requires proficiency in the operation steps of the payment software, which makes payment difficult for the elderly who are accustomed to using functional phones.

In addition, in smart phones, payment software does not exist independently, and usually integrates many other functions, such as social networking, shopping, small games, etc., with complicated functions. Moreover, both the operating system of the smartphone and the payment software will be updated irregularly. If it is not updated, there may be a situation where payment cannot be made. Big trouble.

Contents of the invention

Therefore, the present invention provides a mobile payment method to solve the problems of high cost and inconvenient payment in the prior art due to the need to complete mobile payment through the payment software in the smart machine.

In order to achieve the above object, the first aspect of the present invention provides a mobile payment method for a payment platform, the method comprising:

Receive call requests from payment terminals;

Obtain the corresponding payment account according to the identification code of the payment terminal;

generating a payment code in the payment account;

Send the payment code.

Wherein, after receiving the call information of the payment terminal and before obtaining the corresponding payment account according to the identification code of the payment terminal, further include:

Judging whether there is a voice call connection that has not been hung up according to the identification code of the payment terminal; if yes, rejecting the call from the payment terminal; if not, establishing a voice call connection with the payment terminal.

Wherein, after the voice call connection is established with the payment terminal, it also includes:

Send call status and call object inquiries to the BSS system of the operator to which the identification code of the payment terminal belongs;

Receive the query results of the BSS system, if they are consistent, then execute the next steps; if not, stop the payment.

Wherein, before sending the payment code, it also includes:

Sending a payment bank selection message to the payment terminal;

Associating the selected payment bank with the payment code in response to the selection result of the payment terminal.

Wherein, after the payment code is generated in the payment account, it also includes:

Sending a request for inputting a payment password to the payment terminal;

In response to the payment password input by the payment terminal, it is judged whether the payment password is consistent with a preset password, and if so, the payment code is sent to the payment terminal.

Wherein, before generating the payment code in the payment account, it also includes:

receiving the payment signaling code of the payment terminal;

Send the generated payment code to the collection terminal according to the payment signaling code.

In order to achieve the above object, the second aspect of the present invention provides a mobile payment method for a payment terminal, the method comprising:

Dial the access number of the payment platform;

receiving a payment code from the payment platform, where the payment code is generated from a payment account corresponding to the identification code of the payment terminal.

Wherein, after receiving the payment code from the payment platform, it also includes:

Responding to the password input request of the payment platform, input the payment password.

Among them, before receiving the payment code from the payment platform, it also includes:

Responding to the message that the payment platform selects a payment bank, select a payment bank.

In order to achieve the above object, the third aspect of the present invention provides a mobile payment device for a payment platform, the mobile payment device includes:

The platform receiving module is used to receive the call information of the payment terminal;

An acquisition module, configured to acquire the corresponding payment account according to the identification code of the payment terminal;

A generating module, configured to generate a payment code in the payment account;

The platform sending module is used to send the payment code.

In order to achieve the above object, the first aspect of the present invention provides a mobile payment device for a payment terminal, the mobile payment device includes:

The payment terminal sending module is used to send the access number of the payment platform;

The payment terminal receiving module is used to receive the payment code from the payment platform, and the payment code is generated from the payment account corresponding to the identification code of the payment terminal.

The present invention has the following advantages:

The mobile payment method provided by the present invention calls the payment platform by dialing, and receives the payment code from the payment platform, that is, the payment can be completed through the phone, and the operation is simple, and it is convenient for people with weak acceptability and unaccustomed to use payment software to pay , and the payment can also be completed by using the function machine, which expands the scope of application.

Description of drawings

The accompanying drawings are used to provide a further understanding of the present invention, and constitute a part of the description, together with the following specific embodiments, are used to explain the present invention, but do not constitute a limitation to the present invention.

Fig. 1 is the flowchart of the mobile payment method provided by the first embodiment of the present invention;

Fig. 2 is a flow chart of the mobile payment method provided by the second embodiment of the present invention;

Fig. 3 is a flow chart of the mobile payment method provided by the third embodiment of the present invention;

Fig. 4 is a flow chart of the mobile payment method provided by the third embodiment of the present invention;

Fig. 5 is a functional block diagram of the mobile payment device provided by the third embodiment of the present invention;

Fig. 6 is a functional block diagram of a mobile payment device provided by a third embodiment of the present invention.

In the attached picture:

51: Platform receiving module 52: Obtaining module

53: Generation module 54: Platform sending module

61: input module 62: payment terminal sending module

63: Payment terminal receiving module

Detailed ways

Specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.

In the mobile payment method provided in this embodiment, a smart phone or a function phone dials an access number of a payment platform to make payment. Wherein, the payment platform may be a mobile payment platform, or other payment platforms that can be connected to a mobile communication network.

As shown in Figure 1, the mobile payment method provided by this embodiment includes the following steps:

In step S101, a call request from a payment terminal is received.

The payment terminal is the subject of the user's call, which can be either a mobile payment terminal or a fixed payment terminal. When the payment terminal is a mobile payment terminal, such as a mobile phone, the payer uses the mobile phone to dial the access number of the payment platform.

The access number of the payment platform is preset by the payment platform and the operator. For example, the payer uses a mobile phone to dial the access number of the payment platform. After the payment terminal establishes contact with the payment platform, the subsequent payment process can be carried out.

It should be noted that before using the payment terminal to dial the access number of the payment platform to make payment, the payment terminal needs to complete registration on the payment platform, establish a payment account on the payment platform, and associate the payment account, payment terminal identification number and bank card. Wherein, the payment terminal identification code may be a unique identification code issued by an operator such as a mobile phone number (mobile subscriber identification code). In addition, the registration method of the payment terminal on the payment platform can be completed according to the actual needs and steps of the payment platform.

In step S102, the corresponding payment account is obtained according to the identification code of the payment terminal.

After the payment terminal is registered on the payment platform, when the payment terminal dials the access number of the payment platform, the payment platform can query the corresponding payment account according to the identification code of the payment terminal.

In step S103, a payment code is generated in the payment account.

In one embodiment, after the payment platform receives the call from the payment terminal,

In step S104, the payment code is sent.

It should be noted that the payment code may be an identification code that can represent payment information, such as a two-dimensional code or a character string. When the payment code is a two-dimensional code, the payment platform sends the two-dimensional code to the payment terminal through a multimedia message. When the payment code is a string, the payment platform sends the string code to the payment terminal via SMS. The character string here is the character string used by the payment platform to generate the QR code, or another character string corresponding to the payment code.

The payment platform sends the generated payment code to the payment terminal. After the payer receives the payment code from the payment platform, he can show the payment code to the payee to complete the payment.

The second embodiment of the present invention provides a mobile payment method applied to a payment platform. The difference from the first embodiment is that a verification step is added to make the payment more secure. As shown in Figure 2, the mobile payment method includes the following steps:

In step S201, a call request from a payment terminal is received.

Step S201 is the same as step S101 in the first embodiment, and will not be repeated here.

In step S202, it is determined whether the payment terminal has a voice call connection that has not been hung up.

Specifically, judge whether there is a voice call connection that has not been hung up according to the identification code of the payment terminal; if so, refuse to answer the call of the payment terminal; if not, establish a voice call connection with the payment terminal.

In one embodiment, when the payment platform receives a call from the payment terminal, it first checks whether there is a voice call connection with the same identification number as the current payment terminal that has not been hung up yet. If there is a call connection, the current call is regarded as an abnormal call, and the current incoming call is rejected directly. If there is no call connection, the payment platform goes off-hook to establish a voice call connection relationship with the payment terminal.

In step S203, it is determined whether the payment terminal communicates with the payment platform.

The payment platform sends a call status and call partner query to the BSS system of the operator to which the payment terminal's identification code belongs; receives the query result of the BSS system, and if it is consistent, then executes the next steps; if it is not consistent, the payment is interrupted.

Specifically, the payment platform inquires the current call status of the payment terminal identification code from the Basic Service Set (BSS) system of the operator to which the payment terminal identification code belongs according to the payment terminal identification code (such as the caller number), and the Whether the payment terminal ID is talking to itself. The BSS system of the operator conducts an inquiry based on the payment terminal identification code and the access number of the payment platform. If the call partner and the call status are consistent, it is considered that the payment terminal has established a voice call connection with the payment platform, and returns a confirmation message, such as returning "successful ", otherwise it will return "failure", which means that someone has used the payment terminal identification code of the payer, that is, provided the disguised payment terminal identification code to the network.

In step S204, a payment code is generated in the payment account.

When the return result received by the payment platform from the BSS system is "failure", the payment platform hangs up and ends the payment process. When the return result received by the payment platform is "success", it searches for the corresponding payment account according to the mobile user identification code of the payment terminal, and the payment account generates a payment code.

In step S205, the payment code is sent.

Step S205 is the same as step S104 in the first embodiment, and will not be repeated here.

In step S206, a payment password request is sent.

After the payee receives the payment code, show the payment code to the payee. When the payee scans the payment code and interacts with the payment platform, during the payment process, the payment platform sends a payment password request to the payer, such as sending a voice or text message "Please enter the password" to the payer's payment terminal .

In step S207, the payment password is received.

The payer enters the payment password through the keyboard, and sends the payment password to the payment platform. The payment platform verifies whether the payment password provided by the payer is consistent. The payer's payment terminal sends a message of "wrong payment password". When the payment password entered by the payer is wrong again, a message of "wrong payment password" will be sent to the payer's payment terminal again in voice or text form, or a reminder can be entered for the number of times. When the number of input times exceeds, the payment process will be stopped, and Send a "Payment Failed" message to the payer's payment terminal in either voice or text form.

In step S208, a payment success message is sent.

After the payment platform completes the payment, it sends a "payment successful" message to the payer's payment terminal.

In one embodiment, before the payment platform sends the payment code to the payment terminal of the payer, it further includes: sending a message of selecting a payment bank to the payment terminal of the payer.

It should be noted that the payer associates the payment account with the bank when registering on the payment platform or after completing the registration, and one payment account can be associated with at least one bank account. When the payment account is associated with a bank account, the payment platform can transfer funds directly from the bank account. When the payment account is associated with multiple bank accounts, the payment platform sends a message to select the payment bank to the payer's payment terminal.

For example, when the payment account is associated with three bank accounts, bank account A (end number is 1234), bank account B (end number is 5678) and bank account C (end number is 9012), the payer enters 1 on the payment terminal (bank account A), 2 (bank account B) or 3 (bank account C) to select the bank account for payment. If you don't enter it, it will use the top one (such as bank account number A) for payment by default.

The payment platform associates the selected payment bank with the payment code in response to the selection result of the payment terminal, and pays from the associated bank account after the payee scans the payment code.

The third embodiment of the present invention provides a mobile payment method, which is substantially the same as the first embodiment and the second embodiment, the difference is that in the first and second embodiments, the payment platform uses the payment code Send to the payment terminal, and the payee interacts with the payment platform by scanning the payment code on the payment terminal. In this embodiment, the payment code is sent to the payment collection terminal of the payee.

As shown in Figure 3, the mobile payment method includes the following steps:

In step S301, a call request from a payment terminal is received.

In step S302, it is determined whether the payment terminal has a voice call connection that has not been hung up.

In step S303, it is determined whether the payment terminal is talking with the payment platform.

Step S301 to step S303 are the same as step S201 to step S203 in the second embodiment, and will not be repeated here.

In step S304, the payment signaling code from the payment terminal is received.

After the payer establishes a communication connection with the payment platform through the payment terminal, enter the signaling code through the keyboard, such as "##12345678**", where "##" indicates the start code, "**" indicates the end code, "12345678 "Indicates the identification code of the payee's current payment terminal.

In step S305, a payment code is generated in the payment account.

Step S305 is the same as step S204 in the second embodiment, and will not be repeated here.

In step S306, the payment code is sent to the payment terminal.

Specifically, after the payment platform receives the signaling code, it sends the two-dimensional code to the payee's collection terminal via MMS, or sends the character string that generates the payment code to the payee's collection terminal in the form of a short message . This method has lower requirements on the configuration of the payment terminal used by the payer.

When the payment is successful, the payment platform sends a payment success message to the payment terminal, and the payment success message includes payment bank, payment amount and other information.

The fourth embodiment of the present invention provides a mobile payment method applied to a payment terminal. As shown in Figure 4, the steps of the mobile payment method provided in this embodiment include:

In step S401, dial the access number of the payment platform.

It should be noted that the subject that executes the call is the payment terminal, and the payment terminal can be either a mobile payment terminal or a fixed payment terminal. If the payment terminal is a mobile phone, the payer uses the mobile phone to dial the access number of the payment platform.

The access number of the payment platform is preset by the payment platform and the operator. For example, the payer uses a mobile phone to dial the access number of the payment platform. After the payment terminal establishes contact with the payment platform, the subsequent payment process can be carried out.

It should be noted that before using the payment terminal to dial the access number of the payment platform to make payment, the payment terminal needs to complete registration on the payment platform, establish a payment account on the payment platform, and associate the payment account, payment terminal identification number and bank card . Wherein, the payment terminal identification code may be an identification code issued by an operator such as a mobile phone number (mobile subscriber identification code). In addition, the registration method of the payment terminal on the payment platform can be completed according to the actual needs and steps of the payment platform.

In step S402, the payment code from the payment platform is received, and the payment code is generated from the payment account corresponding to the identification code of the payment terminal.

In one embodiment, when the payment platform receives a call from the payment terminal, it searches for the corresponding payment account according to the mobile user identification code of the payment terminal, and the payment account generates a payment code. The payment platform sends the generated payment code to the payment terminal. After the payer receives the payment code from the payment platform, he can show the payment code to the payee to complete the payment.

It should be noted that the payment code may be an identification code that can represent payment information, such as a two-dimensional code or a character string. When the payment code is a two-dimensional code, the payment platform sends the two-dimensional code to the payment terminal through a multimedia message. When the payment code is a string, the payment platform sends the string code to the payment terminal via SMS. The character string here is the character string used by the payment platform to generate the QR code, or another character string corresponding to the payment code.

When the payer receives the MMS, he will show the payment QR code to the payee. After the payee scans the QR code, he will interact with the payment platform to complete the settlement.

In one embodiment, after receiving the payment code from the payment platform, the method further includes: inputting the payment password in response to the password input request of the payment platform.

In one embodiment, before receiving the payment code from the payment platform, it further includes: selecting a payment bank in response to the message that the payment platform selects a payment bank.

After the payment is successful, it may also include: receiving a payment success message from the payment platform, and the payment success message includes payment bank, payment amount and other information.

The mobile payment method provided by the above embodiment calls the payment platform by dialing, and receives the payment code from the payment platform, that is, the payment can be completed by phone, and the operation is simple, and it is convenient for people who are weak in acceptance and are not used to using payment software to carry out payment. Payment, and the payment can also be completed by using the function machine, which expands the scope of application.

The step division of the above various methods is only for the sake of clarity of description. During implementation, it can be combined into one step or some steps can be split and decomposed into multiple steps. As long as they include the same logical relationship, they are all within the scope of protection of this patent. ; Adding insignificant modifications or introducing insignificant designs to the algorithm or process, but not changing the core design of the algorithm and process are all within the scope of protection of this patent.

The fifth embodiment of the present invention provides a mobile payment device used in a payment platform. As shown in Figure 5, the mobile payment device includes: a platform receiving module 51 for receiving the call information of the payment terminal; an acquisition module 52 for obtaining the corresponding payment account according to the identification code of the payment terminal; a generation module 53 for Generate a payment code in the payment account; the platform sending module 54 is used to send the payment code.

It should be noted that the specific payment methods of the mobile payment device provided in this embodiment are the same as those in the first to third embodiments, and will not be repeated here.

The sixth embodiment of the present invention provides a mobile payment device used in a payment terminal. As shown in Figure 6, the mobile payment device includes: an input module 61 for inputting an access number, a payment password and/or selecting a payment bank; a payment terminal sending module 62 for sending an access number, a payment password and/or a payment bank; Bank; payment terminal receiving module 63, configured to receive the payment code from the payment platform, the payment code is generated from the payment account corresponding to the identification code of the payment terminal.

The mobile payment device provided in this embodiment calls the payment platform by dialing, and receives the payment code from the payment platform, and completes the payment through the phone. The operation is simple, and it is convenient for people who have weak acceptance and are not used to using payment software to pay. , and the payment can also be completed by using the function machine, which expands the scope of application.

It is worth mentioning that all the modules involved in the fifth embodiment and the sixth embodiment are logical modules. In practical applications, a logical unit can be a physical unit or a part of a physical unit. It can also be implemented as a combination of multiple physical units. In addition, in order to highlight the innovative part of the present invention, units that are not closely related to solving the technical problems proposed by the present invention are not introduced in this embodiment, but this does not mean that there are no other units in this embodiment.

It can be understood that, the above embodiments are only exemplary embodiments adopted for illustrating the principle of the present invention, but the present invention is not limited thereto. For those skilled in the art, various modifications and improvements can be made without departing from the spirit and essence of the present invention, and these modifications and improvements are also regarded as the protection scope of the present invention.

Claims (11)

1. A mobile payment method, characterized in that, for a payment platform, the method comprises: Receive call requests from payment terminals; Obtain the corresponding payment account according to the identification code of the payment terminal; generating a payment code in the payment account; Send the payment code. 2. The mobile payment method according to claim 1, wherein after receiving the call information of the payment terminal and before obtaining the corresponding payment account according to the identification code of the payment terminal, further comprising: Judging whether there is a voice call connection that has not been hung up according to the identification code of the payment terminal; if yes, rejecting the call from the payment terminal; if not, establishing a voice call connection with the payment terminal. 3. The mobile payment method according to claim 2, characterized in that, after establishing a voice call connection with the payment terminal, further comprising: Send call status and call object inquiries to the BSS system of the operator to which the identification code of the payment terminal belongs; Receive the query results of the BSS system, if they are consistent, execute the next steps; if they are not consistent, stop the payment. 4. The mobile payment method according to claim 1, characterized in that, before sending the payment code, further comprising: Sending a payment bank selection message to the payment terminal; Associating the selected payment bank with the payment code in response to the selection result of the payment terminal. 5. The mobile payment method according to any one of claims 1-4, characterized in that, after generating the payment code in the payment account, further comprising: Sending a request for inputting a payment password to the payment terminal; In response to the payment password input by the payment terminal, it is judged whether the payment password is consistent with a preset password, and if so, the payment code is sent to the payment terminal. 6. The mobile payment method according to any one of claims 1-4, characterized in that, before generating the payment code in the payment account, further comprising: receiving the payment signaling code of the payment terminal; Send the generated payment code to the collection terminal according to the payment signaling code. 7. A mobile payment method, characterized in that it is used in a payment terminal, the method comprising: Dial the access number of the payment platform; receiving a payment code from the payment platform, where the payment code is generated from a payment account corresponding to the identification code of the payment terminal. 8. The mobile payment method according to claim 7, further comprising: after receiving the payment code from the payment platform: Responding to the password input request of the payment platform, input the payment password. 9. The mobile payment method according to claim 7, further comprising: before receiving the payment code from the payment platform: Responding to the message that the payment platform selects a payment bank, select a payment bank. 10. A mobile payment device, characterized in that it is used for a payment platform, and the mobile payment device includes: The platform receiving module is used to receive the call information of the payment terminal; An acquisition module, configured to acquire the corresponding payment account according to the identification code of the payment terminal; A generating module, configured to generate a payment code in the payment account; The platform sending module is used to send the payment code. 11. A mobile payment device, characterized in that it is used for a payment terminal, and the mobile payment device includes: The payment terminal sending module is used to send the access number of the payment platform; The payment terminal receiving module is used to receive the payment code from the payment platform, and the payment code is generated from the payment account corresponding to the identification code of the payment terminal.