CN101567107A - Method and system for payment of Wi-Fi mobile phone-POS machine - Google Patents
Method and system for payment of Wi-Fi mobile phone-POS machine Download PDFInfo
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- CN101567107A CN101567107A CNA2009100092303A CN200910009230A CN101567107A CN 101567107 A CN101567107 A CN 101567107A CN A2009100092303 A CNA2009100092303 A CN A2009100092303A CN 200910009230 A CN200910009230 A CN 200910009230A CN 101567107 A CN101567107 A CN 101567107A
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Abstract
The invention discloses a method and a system for payment of a Wi-Fi mobile phone-POS machine, which are designed to solve the problems of complicated operation and easy mistakes in the prior mobile phone payment mode. The system comprises a Wi-Fi mobile phone terminal, a Wi-Fi POS machine terminal and a bank network mobile payment server; the Wi-Fi POS machine terminal is used for sending a payment request to the Wi-Fi mobile phone terminal through Wi-Fi signals; the Wi-Fi mobile phone terminal is used for receiving the payment request and sending a payment instruction to the bank network mobile payment server according to the payment request; and the bank network mobile payment server receives the payment instruction, processes related financial information and sends an operation result to the Wi-Fi POS machine terminal and the Wi-Fi mobile phone terminal. The method and the system are suitable for consumption settlement between consumers and trade companies.
Description
Technical field
The present invention relates to a kind of wireless electron method of payment and system, relate in particular to a kind of Wi-Fi mobile phone-POS machine method of payment and system.
Background technology
At present, popularization along with the bank network service system, bank credit is stuck in the consumption clearing and has obtained application more and more widely, the consumer only need use the bank card clearing of just doing shopping in the market that banking terminal is installed, for the customer consumption clearing provide great convenience, the consumer goes on a journey to do shopping and needn't carry buckets of cash, has reduced the stolen risk of cash.Yet existing bank POS machine terminal consumption clearing exist potential safety hazard, and the consumer the stolen phenomenon of bank card account number and password often occurs in the consumption settlement process.
Along with the fast development of electronics and mechanics of communication, utilizing mobile phone to pay by mails becomes possibility.At present; developed multiple mobile-phone payment pattern; but all because of existing design defect to fail to be applied; its subject matter is: 1, fail the individual privacy that adequately protects; the payment mode that for example has needs payer or is provided phone number by payer; and telephone number generally belongs to individual privacy, and most of people are reluctant arbitrarily to disclose oneself phone number.2, when payment both sides exchange message, need import tediously long account information etc., make when input information, not only to occur mistake easily, and exchange hour be long, efficient is low.
Wi-Fi technology (Wireless Fidelity, Wireless Fidelity), the same with Bluetooth technology, belong to short distance wireless technical, the standard of its use has two, is respectively IEEE802.11a and IEEE802.11b; The Wi-Fi great advantage is a long transmission distance, and covering radius is about 100 meters, and Bluetooth technology then is 15 meters, and transmission speed is also very fast, can reach 11mbps, more meets the demand of individual and social informatization.The Wi-Fi technology is incorporated in the mobile phone, promptly becomes the Wi-Fi mobile phone, it can carry out short-distance wireless communication by Wi-Fi, realizes exchanges data and service.
Summary of the invention
On the one hand, the purpose of this invention is to provide a kind of Wi-Fi mobile phone-POS machine method of payment, this method can realize between consumer and the businessman safely, easily with mobile phone--POS machine pattern is consumed clearing.
For achieving the above object, the present invention adopts following technical scheme:
Wi-Fi mobile phone-POS machine method of payment provided by the invention comprises the steps:
Wi-Fi POS machine terminal sends Payment Request to the Wi-Fi mobile phone terminal by the Wi-Fi signal;
The Wi-Fi mobile phone terminal sends payment instruction to bank network mobile payment server;
Bank network mobile payment server sends the information of finishing of paying to Wi-Fi mobile phone terminal and Wi-Fi POS machine terminal.
On the other hand, the purpose of this invention is to provide a kind of Wi-Fi mobile phone-POS machine payment system, this system can be safely, the convenient realization between consumer and the businessman with mobile phone--POS machine pattern is consumed clearing.
For finishing above-mentioned purpose, the present invention adopts following technical scheme:
Wi-Fi mobile phone-POS machine payment system provided by the invention comprises: Wi-Fi mobile phone terminal, Wi-FiPOS machine terminal and bank network mobile payment server;
Described Wi-Fi POS machine terminal is used for sending Payment Request to the Wi-Fi mobile phone terminal by the Wi-Fi signal;
Described Wi-Fi mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank network mobile payment server;
Described bank network mobile payment server receives described Payment Request, processes related financial information, and operating result sent to described Wi-Fi POS machine terminal and Wi-Fi mobile phone terminal.
Wi-Fi mobile phone-POS machine method of payment provided by the invention and system, payer receives the payment request information that Wi-Fi POS machine terminal transmits by mobile phone terminal Wi-Fi function, and realizes transfer of payment by bank network; Utilize the Wi-Fi function to transmit the payment information data, compared with prior art, on the one hand, payment request information can be transferred in the payer mobile phone terminal automatically, has reduced input information, has reduced error probability, has improved payment efficient; On the other hand, utilize the Wi-Fi function to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
The present invention is applicable between consumer and the businessman and utilizes mobile phone-POS machine to consume clearing, the consumer does not need to carry bank card, Wi-Fi function and POS machine by mobile phone are consumed the settlement information transmission, have better solved with bank card and have consumed the safety problem of settling accounts and bringing.
Description of drawings
Fig. 1 is the process flow diagram of Wi-Fi mobile phone-POS machine method of payment of the present invention;
Fig. 2 is the structural drawing of Wi-Fi mobile phone-POS machine payment system of the present invention;
Fig. 3 is the block diagram of Wi-Fi mobile phones payment terminal of the present invention;
Fig. 4 is the block diagram of Wi-Fi POS machine payment terminal among the present invention.
Embodiment
In order to make those skilled in the art person understand technical scheme of the present invention better, and above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with drawings and Examples.
As shown in Figure 1, the embodiment of a kind of Wi-Fi mobile phone-POS machine method of payment provided by the invention comprises the steps:
S101 POS machine starting terminal Wi-Fi module;
S102 Wi-Fi mobile phone terminal is set up Wi-Fi with Wi-Fi POS machine terminal and is connected;
Wi-Fi mobile phone terminal and Wi-Fi POS machine terminal connect by the Wi-Fi function.
Wi-Fi adopts the IEEE802.11b standard in described Wi-Fi mobile phone terminal and the Wi-Fi POS machine terminal, wave band 2.4GHZ, and high bandwidth is 11Mbps, under the more weak or noisy situation of signal, bandwidth can be adjusted to 5.5Mbps, 2Mbps and 1Mbps.
S103 Wi-Fi POS machine terminal sends Payment Request to the Wi-Fi mobile phone terminal;
Wi-Fi POS machine terminal sends payment request information by the Wi-Fi signal to the payer mobile phone, and payment request information comprises payment, by information such as the number of the account of payer, transaction codes.
S104 Wi-Fi mobile phone terminal sends payment instruction by public network to bank network mobile payment server;
Payer sends payment instruction by mobile phone terminal to bank network mobile payment server, and payment instruction comprises information such as payment, the number of the account of paying both sides, payer account number cipher, transaction code.
The S105 bank network mobile payment server is according to described payment instruction processes related financial information;
The S106 bank network mobile payment server sends the information of finishing of paying to Wi-Fi mobile phone terminal and Wi-Fi POS machine terminal;
Bank network mobile payment server is carried out the related financial information processing, if handle successfully, sends the payment successful information to both sides' terminal, if the processing failure sends the payment failure information to both sides' terminal.
Wi-Fi mobile phone-POS machine method of payment provided by the invention, Wi-Fi mobile phone terminal and Wi-Fi POS machine terminal are passed through the transmission that the Wi-Fi function realizes payment information, and realize transfer of payment by bank network; Utilize the Wi-Fi function to transmit the payment information data, compare with existing mobile-phone payment pattern, on the one hand, payment request information can be transferred in the payer mobile phone terminal automatically, has reduced input information, has reduced error probability, has improved payment efficient; On the other hand, utilize the Wi-Fi function to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
As shown in Figure 2, a kind of Wi-Fi mobile phone-POS machine payment system provided by the invention comprises: Wi-Fi mobile phone terminal, Wi-Fi POS machine terminal and bank network mobile payment server; Wherein, be provided with the Wi-Fi module in the Wi-Fi POS machine terminal.
Described Wi-Fi POS machine terminal is meant the POS machine system that has added Wi-Fi wireless messages transfer function, is used for sending Payment Request to the Wi-Fi mobile phone terminal by the Wi-Fi signal;
Described Wi-Fi mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank network mobile payment server;
Described bank network mobile payment server receives described payment instruction, processes related financial information, and result sent to described Wi-Fi POS machine terminal and Wi-Fi mobile phone terminal.
In the present invention, the Wi-Fi technology adopts the IEEE802.11b standard in described Wi-Fi mobile phone terminal and the Wi-Fi POS machine terminal, wave band 2.4GHZ, and high bandwidth is 11Mbps, under the more weak or noisy situation of signal, bandwidth can be adjusted to 5.5Mbps, 2Mbps and 1Mbps.
Wi-Fi mobile phone-POS machine payment system provided by the invention, described Wi-Fi mobile phone terminal is set up Wi-Fi with Wi-FiPOS machine terminal and is connected, Wi-Fi POS machine terminal sends Payment Request to the Wi-Fi mobile phone terminal by Wi-Fi, and Payment Request comprises payment, by the number of the account of payer, transaction code; The Wi-Fi mobile phone terminal receives described Payment Request, and sending payment instruction by the public network wireless communication signal to bank network mobile payment server according to Payment Request, payment instruction comprises information such as payment, payment both sides' number of the account, payer account number cipher, transaction code; Bank network mobile payment server receives described payment instruction, processes related financial information, and operating result sent to described Wi-Fi POS machine terminal and Wi-Fi mobile phone terminal.
Wi-Fi mobile phone-POS machine payment system provided by the invention, payer receives Wi-Fi POS machine terminal payment request information by the Wi-Fi function, and realizes transfer of payment by bank network; Utilize the Wi-Fi function to transmit the payment information data, compare with existing mobile-phone payment pattern, on the one hand, payment request information can be transferred in the payer mobile phone terminal automatically, has reduced input information, has reduced error probability, has improved payment efficient; On the other hand, utilize the Wi-Fi function to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
As shown in Figure 3, the embodiment of a kind of Wi-Fi mobile phones payment terminal provided by the invention, described Wi-Fi mobile phones payment terminal comprises Payment Request receiving element, payment instruction transmitting element, payment result receiving element and processing unit;
The Payment Request receiving element is used for the Wi-Fi mobile phone terminal and receives Payment Request by the Wi-Fi signal;
The payment instruction transmitting element is used for the Wi-Fi mobile phone terminal and sends payment instruction to bank network mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank network mobile payment server sends;
Processing unit is used to handle the information that the Payment Request receiving element receives, and sends payment instruction by the payment instruction transmitting element, and handles the payment result that the payment result receiving element receives.
As shown in Figure 4, the present invention also provides a kind of embodiment of POS payment terminal, and described POS payment terminal comprises:
The Payment Request transmitting element is used for Wi-Fi POS payment terminal and sends Payment Request by Wi-Fi;
The payment result receiving element is used to receive the payment processes result that bank network mobile payment server sends.
The above; only be the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain that claim was defined.
Claims (9)
1, a kind of Wi-Fi mobile phone-POS machine method of payment is characterized in that, comprises the steps:
Wi-Fi POS machine terminal sends Payment Request to the Wi-Fi mobile phone terminal by the Wi-Fi signal;
The Wi-Fi mobile phone terminal sends payment instruction to bank network mobile payment server;
Bank network mobile payment server sends the information of finishing of paying to Wi-Fi mobile phone terminal and Wi-Fi POS machine terminal.
2, Wi-Fi mobile phone-POS machine method of payment according to claim 1 is characterized in that, described Wi-Fi POS machine terminal also comprised the steps: before the Wi-Fi mobile phone terminal sends the Payment Request step
POS machine starting terminal Wi-Fi module;
The Wi-Fi mobile phone terminal is set up Wi-Fi with Wi-Fi POS machine terminal and is connected.
3, Wi-Fi mobile phone-POS machine method of payment according to claim 1 is characterized in that, described Wi-Fi adopts the IEEE802.11b standard, wave band 2.4GHZ, and bandwidth is 11Mbps.
4, Wi-Fi mobile phone-POS machine method of payment according to claim 1 is characterized in that, described Wi-Fi mobile phone terminal also comprises the steps: after bank network mobile payment server sends the payment instruction step
Bank network mobile payment server is according to described payment instruction processes related financial information.
5, Wi-Fi mobile phone-POS machine method of payment according to claim 1 is characterized in that, described Payment Request comprises payment, by the number of the account of payer, transaction code; Described payment instruction comprises payment, payment both sides' number of the account, payer account number cipher, transaction code.
6, a kind of Wi-Fi mobile phone-POS machine payment system is characterized in that, comprising: Wi-Fi mobile phone terminal, Wi-Fi POS machine terminal and bank network mobile payment server;
Described Wi-Fi POS machine terminal is used for sending Payment Request to the Wi-Fi mobile phone terminal by the Wi-Fi signal;
Described Wi-Fi mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank network mobile payment server;
Described bank network mobile payment server receives described payment instruction, processes related financial information, and operating result sent to described Wi-Fi POS machine terminal and Wi-Fi mobile phone terminal.
7, Wi-Fi mobile phone-POS machine payment system according to claim 6 is characterized in that, described Wi-Fi POS machine terminal is provided with the Wi-Fi function; Described Wi-Fi mobile phone terminal is set up Wi-Fi with Wi-Fi POS machine terminal and is connected.
8, Wi-Fi mobile phone-POS machine payment system according to claim 6 is characterized in that, described Wi-Fi adopts the IEEE802.11b standard, wave band 2.4GHZ, and bandwidth is 11Mbps.
9, Wi-Fi mobile phone-POS machine payment system according to claim 6 is characterized in that, described Payment Request comprises payment, by the number of the account of payer, transaction code; Described payment instruction comprises payment, payment both sides' number of the account, payer account number cipher, transaction code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009100092303A CN101567107A (en) | 2008-04-24 | 2009-02-25 | Method and system for payment of Wi-Fi mobile phone-POS machine |
Applications Claiming Priority (5)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810104856.8 | 2008-04-24 | ||
| CN200810104878.4 | 2008-04-24 | ||
| CN200810104878 | 2008-04-24 | ||
| CN200810104881.6 | 2008-04-24 | ||
| CNA2009100092303A CN101567107A (en) | 2008-04-24 | 2009-02-25 | Method and system for payment of Wi-Fi mobile phone-POS machine |
Publications (1)
| Publication Number | Publication Date |
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| CN101567107A true CN101567107A (en) | 2009-10-28 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2009100092303A Pending CN101567107A (en) | 2008-04-24 | 2009-02-25 | Method and system for payment of Wi-Fi mobile phone-POS machine |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102915458A (en) * | 2012-09-18 | 2013-02-06 | 陕西海创中盈信息技术有限公司 | Induction-type WiFi (wireless fidelity) electronic tag interactive with intelligent terminal, and reading method thereof |
| CN103268511A (en) * | 2013-05-02 | 2013-08-28 | 中国工商银行股份有限公司 | Integrated circuit card, safety information processing system and operating method of safety information processing system |
| WO2015062268A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for information transmission |
| JP2017515385A (en) * | 2014-04-17 | 2017-06-08 | フージェン ランディー コマーシャル イクイップメント カンパニー リミテッドＦｕｊｉａｎ Ｌａｎｄｉ Ｃｏｍｍｅｒｃｉａｌ Ｅｑｕｉｐｍｅｎｔ Ｃｏ．，Ｌｔｄ | Encryption method, communication method, communication apparatus, and POS terminal for communication between bank POS and mobile terminal |
-
2009
- 2009-02-25 CN CNA2009100092303A patent/CN101567107A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102915458A (en) * | 2012-09-18 | 2013-02-06 | 陕西海创中盈信息技术有限公司 | Induction-type WiFi (wireless fidelity) electronic tag interactive with intelligent terminal, and reading method thereof |
| CN102915458B (en) * | 2012-09-18 | 2015-09-16 | 陕西海创中盈信息技术有限公司 | A kind of induction type WiFi electronic tag with intelligent terminal interaction and read method thereof |
| CN103268511A (en) * | 2013-05-02 | 2013-08-28 | 中国工商银行股份有限公司 | Integrated circuit card, safety information processing system and operating method of safety information processing system |
| CN103268511B (en) * | 2013-05-02 | 2016-03-09 | 中国工商银行股份有限公司 | Integrated circuit card, security information disposal system and method for work thereof |
| WO2015062268A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for information transmission |
| JP2017515385A (en) * | 2014-04-17 | 2017-06-08 | フージェン ランディー コマーシャル イクイップメント カンパニー リミテッドＦｕｊｉａｎ Ｌａｎｄｉ Ｃｏｍｍｅｒｃｉａｌ Ｅｑｕｉｐｍｅｎｔ Ｃｏ．，Ｌｔｄ | Encryption method, communication method, communication apparatus, and POS terminal for communication between bank POS and mobile terminal |
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Open date: 20091028 |