CN101546401A - Electronic payment method and system based on NFC mobile terminal - Google Patents
Electronic payment method and system based on NFC mobile terminal Download PDFInfo
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- CN101546401A CN101546401A CN200810126397A CN200810126397A CN101546401A CN 101546401 A CN101546401 A CN 101546401A CN 200810126397 A CN200810126397 A CN 200810126397A CN 200810126397 A CN200810126397 A CN 200810126397A CN 101546401 A CN101546401 A CN 101546401A
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Abstract
The invention discloses an electronic payment method and system based on an NFC mobile terminal. The method comprises the steps: registering accounts on a third-party server by consumers and merchandisers, acquiring RFID identification of NFC mobile terminals of the merchandisers by NFC mobile terminals of the consumers, sending consumer account information, the RFID identification of the NFC mobile terminals of the merchandisers and the payment information of amount of payment to the third-party server through a mobile communication network, verifying the payment information by the third-party server, and sending the information of successful account transfer or information of failed account transfer to the consumers. The invention realizes the payment service between the consumers and the merchandisers by using the prior NFC mobile terminals and the mobile communication network, therefore, the payment method has low cost and easy use, and the consumers actively send payment requests, so that the payment safety is greatly improved.
Description
Technical field
The present invention relates to field of mobile communication, particularly a kind of electric paying method and system based on the NFC portable terminal.
Background technology
In the commodity retail field, exist and pay in cash and two kinds of payment modes of cashless payment at present.But in the pattern, there are factors such as small change difficulty and inconvenience owing to pay in cash, make the cashless payment pattern be subjected to people's attention more.
The most general cashless payment pattern that adopts both at home and abroad is to use plastic money at present, for example consumption card such as storage card, debit card pattern.Above-mentioned payment mode is to adopt to arrive first the banking terminal login account in advance, and banking terminal is stored in banking terminal with this user's accounts information, and with the information stores such as number of the account of the account on consumption card.Need carry consumption when the user does shopping and snap into businessman, businessman need be provided with POS machine terminal, reads the information on user's the consumption card by POS machine terminal, and sends banking terminal to by dedicated network.The problem that this modes of payments exists is to need special-purpose network and POS machine terminal, make and use inconvenience, especially based on mobile self-employed worker's the small shop and the place of food market, POS machine terminal can't be installed still, therefore this modes of payments fails to obtain to popularize widely.
At publication number be in addition: in the Chinese patent application file of CN1804888A, a kind of doit electronic payment method based on RFID and mobile communications network is disclosed, make consumption user can utilize small-sized RFID to combine, and can do shopping by mobile communications network with portable terminal.Its method mainly may further comprise the steps: consumption user is to the application doit electronic payment service of hair fastener unit, and after storing certain amount of money, this hair fastener unit authorizes rfid card and gives this consumption user; Consumption user is held this rfid card to the businessman's shopping with dedicated RF ID card reader; Businessman returns the purchase transaction data to this hair fastener unit; To this hair fastener unit's application transaction fund, hair fastener unit pays the bill to businessman according to the purchase transaction form in businessman; Consumption user is supplemented with money the account of this rfid card.In this method of payment, there is following deficiency:
1. because existing RFID card reader product can't satisfy the functional requirement of paying aspect, therefore businessman need adopt special-purpose RFID card reader, cost is higher, and because the RFID card reader need be arranged on the fixed location, therefore can't be implemented in the payment transaction outside the fixed location.
2. the rfid card of consumption user and portable terminal device, for example mobile phone etc. is separate, just is pasted together by physics mode, and is identical with independent use rfid card form in essence, do not bring into play the effect of portable terminal device.
3. the employed dedicated RF ID card reader of businessman needs special-purpose network environment to carry out communication.
4. because the rfid card stored of consumption user has information such as user account, password, amount information, and that the obtain manner of this information is is passive type, automatic, non-contacting, so security can't be guaranteed.
Therefore, cashless payment method in the prior art, exist the user of businessman needs special-purpose terminal, consumption user also to need the equipment of special-purpose storage consumption user information, the Transaction Information transmission needs special-purpose communication network, therefore cost is higher, use inconveniently, and the information storing device of consumption user is to adopt passive mode during transaction, and completeness is relatively poor.
Summary of the invention
The problem that the present invention solves provides a kind of electric paying method and electronic fare payment system based on existing NFC portable terminal and mobile communication network, and the mode that adopts consumption user initiatively to send payment request information is finished payment.
For addressing the above problem, the invention provides a kind of electric paying method based on the NFC portable terminal, comprising:
Consumption user NFC portable terminal obtains the RFID sign of the user NFC of businessman portable terminal, and will comprise: the RFID sign of consumption user accounts information, the user NFC of businessman portable terminal and the payment information of payment send to third-party server by mobile communication network;
Third-party server is examined payment information, if correctly then transfer accounts, and sends the successful information of transferring accounts to consumption user NFC portable terminal and the user NFC of businessman portable terminal; Otherwise send the failure information of transferring accounts to consumption user NFC portable terminal.
Optionally, also comprised obtain the RFID sign of the user NFC of businessman portable terminal at consumption user NFC portable terminal before: consumption user is in third-party server registration consumption user account, and described consumption user accounts information comprises the RFID sign of consumption user NFC portable terminal; The user of businessman is at third-party server registered trader user account, and the RFID of the described user NFC of businessman portable terminal sign comprises the RFID sign of the NFC of businessman portable terminal;
Optionally, the consumption user NFC portable terminal method of obtaining the RFID sign of the user NFC of businessman portable terminal comprises:
Open the payment software in the consumption user NFC portable terminal;
With the close NFC of the businessman portable terminal of described consumption user NFC portable terminal;
The rfid interrogator that described payment software is controlled in the described consumption user NFC portable terminal reads the RFID sign from described businessman customer mobile terminal.
Optionally, described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: described consumption user NFC portable terminal is imported payment in described payment software.
Optionally, described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: described consumption user NFC portable terminal is imported account password in described payment software.Optionally, described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: use payment software that payment information is compiled as note.
Optionally, described third-party server also comprised before consumption user NFC portable terminal and the user NFC of businessman portable terminal send the successful information of transferring accounts:
Third-party server sends the request confirmation to consumption user NFC portable terminal;
Consumption user NFC portable terminal sends confirmation to third-party server.
Optionally, described third-party server comprises rfid interrogator.
Optionally, the method for described registration consumption/businessman user account comprises:
With the close described rfid interrogator of the described consumption/user NFC of businessman portable terminal;
Described rfid interrogator reads the RFID sign in the described consumption/user NFC of businessman portable terminal.
Optionally, also comprise:
Described consumption/user the NFC of businessman portable terminal to third-party server send account inquiries, change of secret code, report the loss, cancellation and charging information;
Described third-party server returns accounts information to consumption/businessman's user NFC portable terminal, perhaps carries out change of secret code, reports the loss, nullifies, supplements with money operation.
Corresponding the present invention also provides a kind of electronic fare payment system based on the NFC portable terminal, comprises consumption user NFC portable terminal, businessman's user NFC portable terminal and third-party server, wherein,
Consumption user NFC portable terminal is used for comprising to the third-party server transmission: the RFID sign of consumption user accounts information, the user NFC of businessman portable terminal and the payment information of payment;
Third-party server is used to examine the payment information that consumption user NFC portable terminal sends; If correctly then transfer accounts, and send the successful information of transferring accounts to consumption user NFC portable terminal and the user NFC of businessman portable terminal; Otherwise send the failure information of transferring accounts to consumption user NFC portable terminal.
Optionally, the consumption user NFC portable terminal method of obtaining the RFID sign of the user NFC of businessman portable terminal comprises:
Open the payment software in the consumption user NFC portable terminal;
With the close NFC of the businessman portable terminal of described consumption user NFC portable terminal;
The rfid interrogator that described payment software is controlled in the described consumption user NFC portable terminal reads the RFID sign from described businessman customer mobile terminal.
Compared with prior art, the major advantage of technique scheme of the present invention is: the electric paying method based on the NFC portable terminal of the present invention is by utilizing existing NFC portable terminal and existing mobile communication network, realize the payment transaction between consumption user and the user of businessman, because the user of businessman does not need to install other terminal, do not need to set up dedicated network yet, and mobile phone and mobile communication network are all very universal, therefore method of payment cost of the present invention is lower, and easy to use, user's affinity height.And adopt consumption user initiatively to send Payment Request, increased the security of consumption greatly.
In addition, the present invention sets up account according to the radio frequency identification of NFC portable terminal (RFID) sign, and is because the RFID of the NFC mobile phone sign whole world is unique, therefore safer.
Description of drawings
By the more specifically explanation of the preferred embodiments of the present invention shown in the accompanying drawing, above-mentioned and other purpose, feature and advantage of the present invention will be more clear.Reference numeral identical in whole accompanying drawings is indicated identical part.Painstakingly do not draw accompanying drawing in proportion, focus on illustrating purport of the present invention.
Fig. 1 is a kind of process flow diagram of consumption card payment system of prior art;
Fig. 2 is the process flow diagram of electric paying method one embodiment based on the NFC portable terminal of the present invention;
Fig. 3 is the process flow diagram of step S10 among Fig. 2;
Fig. 4 is the process flow diagram of step S11 among Fig. 2;
Fig. 5 is the synoptic diagram of electronic fare payment system one embodiment based on the NFC portable terminal of the present invention.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the specific embodiment of the present invention is described in detail below in conjunction with accompanying drawing.
A lot of details have been set forth in the following description so that fully understand the present invention.But the present invention can implement much to be different from alternate manner described here, and those skilled in the art can do similar popularization under the situation of intension of the present invention.Therefore the present invention is not subjected to the restriction of following public concrete enforcement.
NFC (Near Field Communication, Near Field Communication) is a kind of short-distance wireless communication technology standard.It is integrated Non-contact Media Reader, contact type intelligent card and point-to-point function on one chip, based on the ISO14443 agreement, operate in the frequency range of 13.56MHz, can be in the connection between the apparatus for establishing in the about 10cm scope, transfer rate can be 106kbit/s, 212kbit/s, 424kbit/s, and can bring up to more than the 848kbit/s future.
The NFC portable terminal has three kinds of mode of operations:
NFC portable terminal among the present invention, be that the NFC technology is applied to portable terminal, make portable terminal possess three kinds of mode of operations of NEC terminal: under a. aggressive mode, the NFC portable terminal initiatively sends the radio-frequency field of oneself and removes identification and other NFC equipment of read/write as a card reader; B. under the Passive Mode, the NFC portable terminal can be modeled to a card by read/write, only passive response in the radio-frequency field that miscellaneous equipment sends; C. under the two-way mode, both sides NFC portable terminal all initiatively sends radio-frequency field and sets up point-to-point communication.Therefore, can realize simultaneously RFID data storage and to the functions such as RFID data read of other NFC portable terminal.Because NFC technology and existing contact type intelligent card payment terminal are compatible fully, protect existing investment effectively again.Therefore it is a kind of safe, convenient, fast and the contactless payment and the ticketing service instrument of fashion to make the NFC mobile phone become.Companies such as Nokia, Benq have all released the NFC portable terminal of oneself at present, as the NFC mobile phone.
It is a kind of based on the traditional NFC mobile phone and the electric paying method of mobile communication network that technical scheme of the present invention then provides.Fig. 2 is the electric paying method process flow diagram based on the NFC portable terminal of first embodiment of the invention.Below in conjunction with Fig. 2 electric paying method one embodiment based on the NFC portable terminal of the present invention is elaborated.In the present embodiment, described NFC portable terminal is the NFC mobile phone.Have the RFID sign in the NFC mobile phone, described RFID is designated globally unique coding, just is stored in when product export in the RFID identification chip of NFC mobile phone, and can't changes.
Electric paying method as shown in Figure 2 comprises:
Step S11: consumption user NFC portable terminal obtains the RFID sign of the user NFC of businessman portable terminal, and will and will comprise: the RFID sign of consumption user accounts information, the user NFC of businessman portable terminal and the payment information of payment send to third-party server by mobile communication network.
Step S12: third-party server is examined consumption user and the user's of businessman accounts information, if correctly then transfer accounts, and sends the successful information of transferring accounts to consumption user and the user's of businessman NFC portable terminal; Otherwise to the consumption user NFC portable terminal failure information of transferring accounts.
Wherein, can also comprise step S10 before the step S11: before carrying out payment transaction, consumption user and the user of businessman need hold the NFC mobile phone and carry out the business application to third party's payment company, just finish consumption user in third-party server registration consumption user account; The user of businessman is at third-party server registered trader user account; And finish and supplement with money.
Wherein, step S10 can specifically comprise following steps as shown in Figure 3:
S101: the RFID that third-party server utilizes general rfid interrogator to read in consumption user and the user NFC of the businessman mobile phone identifies, and can utilize the registration software on the third-party server that this RFID sign is imported in accounts information; For example described consumption/businessman's user NFC portable terminal is positioned at the described rfid interrogator 10cm of distance; Described rfid interrogator reads the RFID sign in the described consumption/user NFC of businessman portable terminal.
S102: utilize registration software in accounts information, to import user's basic identity information, can comprise user account, user identity card number, user mobile phone number etc.; Wherein, subscriber phone number can be used for carrying out consumption user number of the account identification in account inquiries, the payment, sends business such as the successful information of transferring accounts.
S103: utilize registration software to import account password in accounts information, third-party server carries out information judged during as business such as paying, inquire about, report the loss;
S104: select Account Type, consumption user is selected the payment T-account, and the user of businessman selects the cash register T-account.
Wherein step S11 specifically can comprise step as shown in Figure 3:
Consumption user is in when payment,
S111: the payment software of consumption user NFC mobile phone open embedded in mobile phone;
S112: open the payment software in the consumption user NFC portable terminal;
Described consumption user NFC portable terminal near the NFC of businessman portable terminal, for example is placed on apart from the NFC of the businessman portable terminal 10cm; The rfid interrogator that described payment software is controlled in the described consumption user NFC portable terminal reads the RFID sign from described businessman customer mobile terminal.
S113: consumption user is imported payment and account password in payment software, determines to send;
S114: described payment software can be encrypted above-mentioned information package, and generates the Payment Request note automatically and be sent to third-party server;
Described payment software is a built-in software in the consumption user NFC mobile phone, and this software can be paid company by the third party and provide when the user registers, and installs.
Wherein step S12 can specifically comprise:
Third-party server is after receiving the Payment Request note that consumption user is sent, and according to the consumption user accounts information of sending note, for example phone number and password are confirmed the identity information of consumption user; If it is errorless that the consumption user accounts information is confirmed, for example the consumption user account exists, remaining sum in the account is greater than the application amount of money in this payment information, then the RFID of the user NFC of the businessman mobile phone that sends according to consumption user sign is obtained the user's of businessman number of the account, finish transferred account service, for example third-party server is changed consumption user account and the user's of businessman accounts information, amount record in the consumption user account is deducted payment, increases payment on the amount record in businessman's user account.
If the consumption user accounts information is confirmed failure, for example the consumption user number of the account does not exist, and perhaps the remaining sum in the account then sends the failure information of transferring accounts to paying party less than the application amount of money in this payment information, password mistake for example, or information such as Sorry, your ticket has not enough value.Consumption user can be selected to resend application according to failure information, and cash settlement is used in perhaps abandon application.Third-party server can for example show the amount of money of transferring accounts to consumption user and the user of the businessman successful information of transferring accounts simultaneously after finishing transferred account service, payment transaction finishes.
Wherein, third-party server can also comprise before carrying out the operation of transferring accounts: send the request confirmation to consumption user, consumption user is after receiving information, the amount of money of confirming to transfer accounts is errorless, return confirmation, then third-party server is just carried out the operation of transferring accounts, otherwise the third party sends the failure information of transferring accounts.The further affirmation of consumption user has increased security of payment.
After payment is finished, after the user of businessman can be accumulated to some at oneself account amount record, regularly to third party's business of arranging settlement of accounts, the amount record minimizing that businessman's user account of corresponding third-party server is interior.
Wherein, the third party to pay company can be bank, mobile operator or other payment services companies.
Because the NFC mobile phone is the product of existing moulding in the market, adopt the NFC mobile phone as consumption and payment and cash register terminal, need not extra equipment development, and cost is lower, simple to operate, user's affinity is higher;
And mobile communication network covers each zone substantially at present, transaction realizes based on the mobile communication network implementation system, adopt the means of communication of comparatively ripe short message service simultaneously, can well guarantee communication quality, solved reliability of data transmission as this method;
Therefore, the electric paying method based on the NFC portable terminal of the present invention solves because hardware factors restrictions such as consumption network environment, the POS machine prices of swiping the card, and the problem that the POS machine of swiping the card can't be installed, thereby is fit to mobile individual use the such as self-employed businessman group more.
In addition, the electric paying method based on the NFC portable terminal of the present invention adopts consumption user initiatively to submit Payment Request to, and user's master control is stronger, has increased security of payment greatly, has avoided the influence that causes because of factors such as mistake brushes.
In addition, the NFC technology is integrated Non-contact Media Reader, contact type intelligent card and point-to-point function on one chip, therefore has globally unique coding RFID sign in the NFC mobile phone, the RFID sign just is stored in the mobile phone when mobile phone products dispatches from the factory, and can not change, so just make that user's number of the account is unique, therefore just more accurate according to the account of RFID sign foundation, safety.And, it is by with the NFC mobile phone of consumption user NFC mobile phone near the user of businessman that consumption user is obtained businessman's user account information, for example be positioned at the user's of businessman NFC mobile phone 10cm place, directly read the RFID sign of the user's of this businessman NFC mobile phone, the people is the mistake that causes when having avoided input NFC mobile phone logo like this, makes payment process safer.
Present embodiment comprises further that also third-party server can also bill and inquiry into balance, account be reported the loss, account is settled accounts, supplement with money etc. for consumption user and the user of businessman provide.User account can be set to and can not overdraw, and increases the security of consumption user.Wherein bill and inquiry into balance business, the user can use with the NFC mobile phone dialing Service Phone of registration or send note, finishes inquiry by account password; Wherein the account charging business is primarily aimed at consumption user, and consumption user can be dialed Service Phone or send note and supplement application with money, after third-party server is received application, can deduct recharge amount automatically from amount of consumption user's mobile phone cost, finishes and supplements with money.
For example, account inquiries step comprises:
The consumption user NFC portable terminal/user NFC of businessman portable terminal sends the account amount of money Query Information that comprises the consumption user NFC mobile terminal identification/user NFC of businessman mobile terminal identification by mobile communication network to third-party server;
The third-party server search consumption user NFC mobile terminal identification/pairing account of the user NFC of businessman mobile terminal identification, if search less than think and do not exist, thereby third-party server sends error message by mobile communication network to the consumption user NFC portable terminal/user NFC of businessman portable terminal; If exist, then third-party server with short message mode, sends to consumption user NFC portable terminal/businessman user NFC portable terminal by mobile communication network with the amount record in this number of the account.
The change of secret code step comprises:
The consumption user NFC portable terminal/user NFC of businessman portable terminal by mobile communication network, sends the account password changed information that comprises the consumption user NFC mobile terminal identification/user NFC of businessman mobile terminal identification to third-party server;
The third-party server search consumption user NFC mobile terminal identification/pairing account of the user NFC of businessman mobile terminal identification, if search less than think and do not exist, thereby third-party server sends error message by mobile communication network to the consumption user NFC portable terminal/user NFC of businessman portable terminal; If there be the change of secret code of third-party server with this number of the account.
Reporting the loss step comprises:
The consumption user NFC portable terminal/user NFC of businessman portable terminal sends the information of reporting the loss that comprises the consumption user NFC mobile terminal identification/user NFC of businessman mobile terminal identification by mobile communication network to third-party server;
The third-party server search consumption user NFC mobile terminal identification/pairing account of the user NFC of businessman mobile terminal identification, if search less than think and do not exist, thereby third-party server sends error message by mobile communication network to the consumption user NFC portable terminal/user NFC of businessman portable terminal; If exist, then, do not allow to revise to the portable terminal of the consumption user NFC in the third-party server/user NFC of businessman portable terminal accounts information locking.
The cancellation step comprises:
The consumption user NFC portable terminal/user NFC of businessman portable terminal sends the Account Closure information that comprises the consumption user NFC mobile terminal identification/user NFC of businessman mobile terminal identification by mobile communication network to third-party server.
The third-party server search consumption user NFC mobile terminal identification/pairing account of the user NFC of businessman mobile terminal identification, if search less than think and do not exist, thereby third-party server sends error message by mobile communication network to the consumption user NFC portable terminal/user NFC of businessman portable terminal; If exist, after then the clearing of the amount of money in the account are finished, with the portable terminal of the consumption user NFC in the third-party server/user NFC of businessman portable terminal account deletion.
Third-party server of the present invention can also link to each other with the server of wireless network, charging information by the transmission of consumption user mobile phone, the server of realization wireless network is transferred accounts to third-party server, the telephone expenses amount of money of corresponding consumption user mobile phone reduces, and amount record increases in the number of the account of consumption user in third-party server.
Shown in Figure 5 is the synoptic diagram of electronic fare payment system one embodiment based on the NFC portable terminal of the present invention.Electronic fare payment system as shown in Figure 5 based on the NFC portable terminal, comprise consumption user NFC portable terminal, third-party server and the user NFC of businessman portable terminal, wherein, consumption user NFC portable terminal comprises: consumption user NFC portable terminal, the NFC of businessman portable terminal, the 3rd server, wherein
Consumption user NFC portable terminal is used to obtain the RFID sign of the NFC of businessman portable terminal, and will comprise: the payment information of the RFID sign of payment, the user NFC of businessman portable terminal, the RFID sign of consumption user NFC portable terminal sends to third-party server by mobile communication network;
Third-party server is used for obtaining the RFID sign from consumption user NFC portable terminal and businessman's user NFC portable terminal, and register account number; And the RFID sign of examining consumption user and the user NFC of businessman portable terminal; If correctly then transfer accounts, and send the successful information of transferring accounts to consumption user and the user of businessman; Otherwise send the failure information of transferring accounts to consumption user NFC portable terminal.
Having particular application as based on the electronic fare payment system of NFC portable terminal in the present embodiment: consumption user and the user of businessman arrive first third company's login account in advance, the RFID that third company uses rfid interrogator to read in the user NEC mobile phone identifies, is that the user sets up account at third-party server with this sign as number of the account, and input personal information, for example cell-phone number, identification card number, name etc.The third direction consumption user provides payment software.Consumption user needs in advance to the certain amount of money of account stored.
When transaction, user mobile phone is opened payment software, and near businessman's mobile phone, read the RFID sign in businessman's mobile phone, the input payment, payment software can be with the RFID sign of the RFID sign of businessman's mobile phone, payment, consumption user, and consumption user password editor also encrypts the payment information that generates the note form, sends to third-party server.
If third-party server retrieval is less than the account in the payment information or consumption user password mistake then send the payment error message to the consumption user mobile phone, if retrieve then judge that further whether the consumption user more voxels is more than or equal to the amount of money in the payment information, if not, send the failure information of transferring accounts to the consumption user mobile phone, if then transfer accounts to businessman's user account, and send the successful note of payment to consumption user and the user's of businessman mobile phone from the consumption user account.
The account amount of money the user of businessman is accumulated to a certain degree, and the user of businessman can go to third company to withdraw the money.
Simultaneously, consumption user can be connected third company with the mode of note or phone with the user of businessman and carries out change of secret code, account inquiries, business such as nullifies, reports the loss, supplements with money.
Third party of the present invention also can be bank, therefore third-party server also can be bank server, consumption user and the user of businessman can use mobile phone logo login account on bank server like this, use electric paying method of the present invention to finish payment.
In addition, the consumption user account that is registered on the third-party server can be related with the bank savings account with the businessman user account, uses electric paying method of the present invention, realizes transferring accounts of bank savings account.
The above only is preferred embodiment of the present invention, is not the present invention is done any pro forma restriction.Though the present invention discloses as above with preferred embodiment, yet be not in order to limit the present invention.Any those of ordinary skill in the art, do not breaking away under the technical solution of the present invention scope situation, all can utilize the method and the technology contents of above-mentioned announcement that technical solution of the present invention is made many possible changes and modification, or be revised as the equivalent embodiment of equivalent variations.Therefore, every content that does not break away from technical solution of the present invention, all still belongs in the scope of technical solution of the present invention protection any simple modification, equivalent variations and modification that above embodiment did according to technical spirit of the present invention.
Claims (12)
1, a kind of electric paying method based on the NFC portable terminal is characterized in that, comprising:
Consumption user NFC portable terminal obtains the RFID sign of the user NFC of businessman portable terminal, and will comprise: the RFID sign of consumption user accounts information, businessman's customer mobile terminal and the payment information of payment send to third-party server by mobile communication network;
Third-party server is examined payment information, if correctly then transfer accounts, and sends the successful information of transferring accounts to consumption user NFC portable terminal and the user NFC of businessman portable terminal; Otherwise send the failure information of transferring accounts to consumption user NFC portable terminal.
2, electric paying method as claimed in claim 1, it is characterized in that, before consumption user NFC portable terminal obtains the NFC of businessman portable terminal RFID sign, also comprise: consumption user is in third-party server registration consumption user account, and described consumption user accounts information comprises the RFID sign of consumption user NFC portable terminal; The user of businessman is at third-party server registered trader user account, and described businessman user account information comprises the RFID sign of the NFC of businessman portable terminal.
3, electric paying method as claimed in claim 1 is characterized in that, the method that consumption user NFC portable terminal obtains the RFID sign of the user NFC of businessman portable terminal comprises:
Open the payment software in the consumption user NFC portable terminal;
With the close NFC of the businessman portable terminal of described consumption user NFC portable terminal;
The rfid interrogator that described payment software is controlled in the described consumption user NFC portable terminal reads the RFID sign from the described user NFC of businessman portable terminal.
4, electric paying method as claimed in claim 3, it is characterized in that described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: described consumption user NFC portable terminal is imported payment in described payment software.
5, electric paying method as claimed in claim 4, it is characterized in that described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: described consumption user NFC portable terminal is imported account password in described payment software.
6, electric paying method as claimed in claim 1 is characterized in that, described consumption user NFC portable terminal also comprises before payment information is sent to third-party server: use payment software that payment information is compiled as note.
7, electric paying method as claimed in claim 1 is characterized in that, described third-party server also comprised before consumption user NFC portable terminal and the user NFC of businessman portable terminal send the successful information of transferring accounts:
Third-party server sends the request confirmation to consumption user NFC portable terminal;
Consumption user NFC portable terminal sends confirmation to third-party server.
8, electric paying method as claimed in claim 1 is characterized in that, described third-party server comprises rfid interrogator.
9, electric paying method as claimed in claim 8 is characterized in that, the method for described registration consumption/businessman user account comprises:
With the close described rfid interrogator of the described consumption/user NFC of businessman portable terminal;
Described rfid interrogator reads the RFID sign in the described consumption/user NFC of businessman portable terminal.
10, electric paying method as claimed in claim 1 is characterized in that, also comprises:
Described consumption/user the NFC of businessman portable terminal to third-party server send account inquiries, change of secret code, report the loss, cancellation and charging information;
Described third-party server returns accounts information to consumption/businessman's user NFC portable terminal, perhaps carries out change of secret code, reports the loss, nullifies, supplements with money operation.
11, a kind of electronic fare payment system based on the NFC portable terminal is characterized in that, comprises consumption user NFC portable terminal, businessman's user NFC portable terminal and third-party server, wherein,
Consumption user NFC portable terminal is used for comprising to the third-party server transmission: the RFID sign of consumption user accounts information, the user NFC of businessman portable terminal and the payment information of payment;
Third-party server is used to examine the payment information that consumption user NFC portable terminal sends; If correctly then transfer accounts, and send the successful information of transferring accounts to consumption user NFC portable terminal and the user NFC of businessman portable terminal; Otherwise send the failure information of transferring accounts to consumption user NFC portable terminal.
12, electronic fare payment system as claimed in claim 11 is characterized in that, the method that consumption user NFC portable terminal obtains the RFID sign of the user NFC of businessman portable terminal comprises:
Open the payment software in the consumption user NFC portable terminal;
With the close NFC of the businessman portable terminal of described consumption user NFC portable terminal;
The rfid interrogator that described payment software is controlled in the described consumption user NFC portable terminal reads the RFID sign from described businessman customer mobile terminal.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810126397A CN101546401A (en) | 2008-03-28 | 2008-06-30 | Electronic payment method and system based on NFC mobile terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810084277 | 2008-03-28 | ||
| CN200810084277.1 | 2008-03-28 | ||
| CN200810126397A CN101546401A (en) | 2008-03-28 | 2008-06-30 | Electronic payment method and system based on NFC mobile terminal |
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| CN101546401A true CN101546401A (en) | 2009-09-30 |
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| CN200810126397A Pending CN101546401A (en) | 2008-03-28 | 2008-06-30 | Electronic payment method and system based on NFC mobile terminal |
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Cited By (41)
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