CN102915604A - Mobile payment system based on two-dimensional code and telecommunication service provider - Google Patents
Mobile payment system based on two-dimensional code and telecommunication service provider Download PDFInfo
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- CN102915604A CN102915604A CN2012103153813A CN201210315381A CN102915604A CN 102915604 A CN102915604 A CN 102915604A CN 2012103153813 A CN2012103153813 A CN 2012103153813A CN 201210315381 A CN201210315381 A CN 201210315381A CN 102915604 A CN102915604 A CN 102915604A
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Abstract
The invention discloses a mobile payment system based on a two-dimensional code and a telecommunication service provider. The mobile payment system is characterized by comprising a payment request provider and a mobile equipment/mobile terminal of a payer, a two-dimensional code information graph obtained from the mobile payment system is displayed to the payer through the payment request provider; and the payer applies a two-dimensional code reading application program preassembled in the mobile terminal or a specially designed application program, and starts the image scanning function of the mobile equipment so as to read the payment scrambled codes and URL (Uniform Resource Locator) positions of the system from the two-dimensional data. The mobile payment system is convenient to use and can be used without pre-registration by adopting mobile phone number account as a payment route, and can obtain the mobile phone data of the payer from the telecommunication service provider by applying IP positions, therefore, identity recognition is carried out automatically or through the third party certification, the payment security and convenience can be greatly improved, and people having no bank and credit card accounts and the like can realize the dream of mobile payment.
Description
Technical field
The present invention relates to a kind of mobile-payment system based on two-dimension code and telco provider.
Background technology
In the consume activity of people based on production and life, daily payment is the consumption pattern of commonly using.The consumption and payment of credit-based card and bank has occupied certain market amount at present, but described payment approach all needs user name, login username and password as the method for identification, the defective of described prior art is to cause easily the safety problem of system and account, often usurp identity, steal the problems such as brush credit card, disturbed normal consumption order.Next inputs user name, login username and password, can cause leaking of personal information, for the lawless person provides opportunity.In addition, do not have the people of bank account or credit card, caused inconvenience when paying in the strange land.
Described defective value must improve.
Summary of the invention
The technical matters that the present invention solves is for above-mentioned deficiency, a kind of mobile-payment system based on two-dimension code and telco provider is provided, the present invention is intended to solve online and the inconsistent problem of offline environment Payment Methods, need to just can not use in registered in advance such as bank or credit card suppliers in addition, do not need the intervention of bank and credit card company, greatly promoted payment payment safety problem, there is not simultaneously the people of bank and credit card number etc. can realize the mobile payment effect, convenient and practical.
Technical scheme of the present invention is as described below:
A kind of mobile-payment system based on two-dimension code and telco provider is characterized in that it comprises;
Payment Request supplier, i.e. claim for payment and the trade company that Payment Amount is provided, described Payment Request supplier can be shown to the payer with the 2 D code information figure that obtains from mobile-payment system;
User's mobile device, mobile device/portable terminal of payer, the payer uses the two-dimension code that is contained in advance in the mobile device to read application, and the video scanning function that starts mobile device reads the interior payment scrambled of two-dimension code data and the URL position of system;
The wireless network of telco provider and internal network, every telecommunications service chamber of commerce assigns different IP addresses in advance to user's mobile device, so the IP position is like user's identity coding, use the IP address just can get access to subscriber data to telco provider, such as telephone number, user type (monthly payment, stored value card or roaming), available payment amount etc.;
The payer clicks the webpage version that URL enters mobile-payment system, again or after using the application aim at the present invention and to establish to process the URL message, mobile-payment system can obtain the payment coding from URL, inquiry payment situation, and after the IP position that uses the viewer obtains user's data to relevant telco provider, at the mobile phone account deduction Payment Amount of user's mobile device.
The present invention adopts two-dimension code that online and off-line payment information are shown with pattern, the camera function bar code reading content of the mobile device of holding by the consumer again, use again the IP address of mobile device, obtain the identity that the sweep account data is identified the consumer automatically to telco provider; Adopt simultaneously user's mobile phone account as the usefulness of payment account, each consumption all can be recorded in the native system the inside, conveniently consults.
According to above-mentioned structure, beneficial effect of the present invention is: the present invention adopts the Mobile Directory Number account as the payment approach, safe and convenient to use, the consumer can use mobile device as the means of payment relieved and coequally, and uses same way as payment off-line and online expense.The present invention does not need just can use in registrations such as bank or credit card suppliers in advance.Do not have the intervention of bank and credit card company etc., the present invention has promoted the safety problem of payment greatly, does not have simultaneously the people of bank and credit card number etc. can realize the dream of mobile payment.
Specifically, use this mobile-payment system, than other payment systems, its benefit or make the local as follows of improvement:
1, with the function of mobile cashing machine: trade company can be after any mobile terminal apparatus be logined this mobile-payment system, start trade company's gathering functions, the two-dimension code that shows immediately the generation Payment Request is looked over so as to check to client, and client can pass through the immediate payment of this mobile-payment system in real time; Trade company can know payment result in real time, saves trade company's time of traditional cashing machine back and forth, promotes operation efficiency, also saves client and waits the time that gathering is confirmed.Because any portable terminal all can be used as mobile cashing machine and uses, can exempt from like this to fill expensive special-purpose cashing machine, after the cost economization, can reach high benefit again.
2, with the function of paying the bill on the paper: a lot of traditional cashing machines are all venerated simple screen are housed, and can not show abundant picture.Use the trade company of this mobile-payment system only to need the two-dimension code of Payment Request is printed, client can adopt this method of mobile payment according to the two-dimension code on the paper.Benefit is need not install additional or change under the prerequisite of hardware, change a little payment program, just can adapt to the method for this mobile payment, is a kind of low cost, the quick repacking of easily doing.
3, with the function of service bill payment: as per month or the electric power in per season, coal gas bill load the two-dimension code of Payment Request, payment person can be at home or Anywhere, use the payment of this mobile-payment system with portable terminal, the time of saving specially speciality store or using the line verification payment program, promote the time benefit.
4, with the function of consumer's new experience/trade company's marketing: be different from the mobile payment of SMS textual, native system can provide the movable or abundant consumption information of more feedbacks, discount, prize drawing and the special hospitality of individual etc. after payment person pays a bill.In a moment after the client payment, namely trade company is to the opportune moment of consumer's publicity, also is simultaneously the period that the consumer obtains multiple preferential and a large amount of shopping informations.Benefit to trade company promotes market product to flow exactly, and different customers are introduced into different point of sales.
5, with the function of secure individual privacy: in the process of this mobile payment, payment person's personal information can not allowed the third party know by leakage.The harm of SMS mobile payment is that payment person must reveal the number of mobile phone; When using again the payment of any card class, such as credit or debit card etc., its harm is that the personal information on the card is had an opportunity stolen and payment person is muddled does not so know.
6, with the function of environmental protection: owing to be the hardware (portable terminal) that uses general existence, this mobile-payment system can be used as payment or gathering purposes, saves and is fabricated to the resource that cooperates the mobile-payment system task equipment.
Description of drawings
Fig. 1 is structural drawing of the present invention.
In the drawings, 10, Payment Request supplier; 11, the 2 D code information that shows Payment Request; 20, user's mobile device; 30, the wireless network of telco provider; 31, the internal network of telco provider; 32, the mobile subscriber IP address details server of telco provider; 33, the mobile subscriber of the telco provider processing server of paying the bill; 40, world-wide web (internet); 50, payment transaction server
Fig. 2 is process flow diagram of the present invention.
Application and camera function bar code reading content that step 102, consumer have downloaded by mobile device.
The IP address that step 107 and 108, mobile-payment system use mobile device remembers that with the IP address range of telco provider Pearl checks, and finds out suitable telco provider.
Payment Amount is deducted in the phone account of user's mobile device by step 115, mobile-payment system notice telco provider.
Embodiment
Below in conjunction with embodiment the present invention is explained detailedly:
Process flow diagram of the present invention in conjunction with Fig. 1 and Fig. 2.
Shown in, a kind of mobile-payment system based on two-dimension code and telco provider is characterized in that it comprises;
Payment Request supplier, i.e. claim for payment and the trade company that Payment Amount is provided, described Payment Request supplier can be shown to the payer with the 2 D code information figure that obtains from mobile-payment system;
User's mobile device, the payer uses the two-dimension code that is contained in advance in the mobile device to read application, again or use the application aim at the present invention and to establish, the video scanning function that starts mobile device reads payment scrambled in the two-dimension code data and the URL position of system;
The wireless network that telco provider provides and internal network service, every telecommunications service chamber of commerce assigns different IP addresses in advance to user's mobile device, and the IP position equals user's personal identification coding.Mobile-payment system uses this mechanism, just use the IP address to get access to subscriber data to telco provider, such as telephone number, user type (monthly payment, stored value card or roaming), available payment amount etc.;
The payer clicks the webpage version that URL enters mobile-payment system, again or after using the application aim at the present invention and to establish to process the URL message, mobile-payment system can obtain the payment coding from URL, inquiry payment situation, and after the IP position that uses portable terminal when browsing obtains user's data to relevant telco provider, at the mobile phone account deduction Payment Amount of user's mobile device.
The present invention adopts two-dimension code that online and off-line payment information are shown as pattern, pass through again the camera function bar code reading content of mobile device, use again the IP address of mobile device, obtain the sweep account data from leaving a part identification to telco provider, adopt simultaneously user's mobile phone account as the usefulness of payment account, each consumption all can be recorded in the native system the inside, conveniently consults.
Owing to need not provide the data such as credit card or bank card to open mobile payment service of the present invention, when young man participates in party or collective activity, as long as with common individual smart phone, adopt the payment system of the present invention rear horse back payment of can registering on the net, need not to wait in turn, save young man and register the required time, and more efficient payment number and the total number collected learnt of portable propelling sponsor.
When official business or the tourism personage come the strange land, can buy the mobile telephone rechargeable card, one can save high wandering fee, two can open the mobile payment service immediately, release makes credit card in the other places and will pay expensive exchange rate expense, enjoys the convenience of electronic cash and has complete consumer record.When needs increased the available amount of account, the consumer can arrive neighbouring telecommunications shop or convenience store and supplement with money, increased bill payment elasticity, to lower the risk of loss.
Claims (1)
1. the mobile-payment system based on two-dimension code and telco provider is characterized in that it comprises;
Payment Request supplier, i.e. claim for payment and the trade company that Payment Amount is provided, described Payment Request supplier can be shown to the payer with the 2 D code information figure that obtains from mobile-payment system;
User's mobile device, mobile device/portable terminal of payer, the payer uses the two-dimension code that is contained in advance in the mobile device to read application, again or aim at and use application of the present invention, the video scanning function that starts mobile device reads payment scrambled in the two-dimension code data and the URL position of system;
The wireless network of telco provider and internal network, every telecommunications service chamber of commerce assigns different IP addresses in advance to user's mobile device, so the IP position is like user's identity coding, use the IP address just can get access to subscriber data to telco provider, such as telephone number, user type (monthly payment, stored value card or roaming), available payment amount etc.;
The payer clicks the webpage version that URL enters mobile-payment system, again or after using the application aim at the present invention and to establish to process the URL message, mobile-payment system can obtain the payment coding from URL, inquiry payment situation, and after the IP position that uses portable terminal when browsing obtains user's data to relevant telco provider, at the mobile phone account deduction Payment Amount of user's mobile device.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012103153813A CN102915604A (en) | 2012-08-31 | 2012-08-31 | Mobile payment system based on two-dimensional code and telecommunication service provider |
| PCT/CN2013/082198 WO2014032549A1 (en) | 2012-08-31 | 2013-08-23 | Telecommunication service provider based mobile identity authentication and payment method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012103153813A CN102915604A (en) | 2012-08-31 | 2012-08-31 | Mobile payment system based on two-dimensional code and telecommunication service provider |
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| CN102915604A true CN102915604A (en) | 2013-02-06 |
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| CN2012103153813A Pending CN102915604A (en) | 2012-08-31 | 2012-08-31 | Mobile payment system based on two-dimensional code and telecommunication service provider |
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Cited By (7)
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| WO2014032549A1 (en) * | 2012-08-31 | 2014-03-06 | 宝利数码有限公司 | Telecommunication service provider based mobile identity authentication and payment method and system |
| CN104077685A (en) * | 2013-03-25 | 2014-10-01 | ***股份有限公司 | On-line payment system and on-line payment method based on two-dimension codes |
| CN104102999A (en) * | 2014-06-18 | 2014-10-15 | 金硕澳门离岸商业服务有限公司 | Mobile payment system and mobile payment method based on biometric authentication |
| CN104463578A (en) * | 2014-12-04 | 2015-03-25 | 中国联合网络通信集团有限公司 | Paying method, user terminal and paying service system |
| CN106412041A (en) * | 2016-09-20 | 2017-02-15 | 徐蔚 | System for connecting mobile terminal with service providing equipment and service providing method |
| WO2017133323A1 (en) * | 2016-02-04 | 2017-08-10 | 腾讯科技（深圳）有限公司 | Payment processing method, apparatus, and intelligent device |
| US11995637B2 (en) | 2016-09-20 | 2024-05-28 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
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| US11295292B2 (en) | 2016-09-20 | 2022-04-05 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
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| US11978034B2 (en) | 2016-09-20 | 2024-05-07 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
| US11983699B2 (en) | 2016-09-20 | 2024-05-14 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
| US11983700B2 (en) | 2016-09-20 | 2024-05-14 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
| US11995637B2 (en) | 2016-09-20 | 2024-05-28 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
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Application publication date: 20130206 |