CN103971234A - Mobile payment assembly and system and method adopting same - Google Patents

Mobile payment assembly and system and method adopting same Download PDF

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Publication number
CN103971234A
CN103971234A CN201310047236.6A CN201310047236A CN103971234A CN 103971234 A CN103971234 A CN 103971234A CN 201310047236 A CN201310047236 A CN 201310047236A CN 103971234 A CN103971234 A CN 103971234A
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China
Prior art keywords
circumscribed
action
payment
payment mechanism
transaction
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CN201310047236.6A
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Chinese (zh)
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徐嘉宏
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Individual
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Individual
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Priority to CN201310047236.6A priority Critical patent/CN103971234A/en
Priority to PCT/CN2014/070598 priority patent/WO2014121680A1/en
Publication of CN103971234A publication Critical patent/CN103971234A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a mobile payment assembly and a system and method adopting the same. The mobile payment assembly comprises a mobile payment electronic device, a first key unit arranged in the mobile payment electronic device and an external payment device. The external payment device comprises a chip module and is connected to the mobile payment electronic device through signals. After a second key unit of the chip module and the first key unit of the mobile payment electronic device are confirmed, the external payment device is capable of executing a financial transaction action.

Description

Action pays the System and method for of assembly and application this action payment assembly
Technical field
The present invention pays assembly about a kind of action, particularly a kind of System and method for the circumscribed payment mechanism of signal connection and the action payment assembly of action electronic device and application this action payment assembly.
Background technology
Along with scientific and technological progress, using real money is no longer unique bargain transaction mode, and along with the concept of stored value card develops gradually, the technology of combining encryption Xie Code, improves the security in the use of stored value card in the lump.
Common stored value card is mostly card form on the market, similarly is EasyCard or stored value card, yet, this type of stored value card has identical shortcoming in fact with real money, must independently be carried exactly, so user must, as carrying general cash, be placed in wallet.Yet, if forgotten band card or forgotten band wallet and gone out, still can meet with the awkward situation that does not have money to pay the bill.
In having had on the market at present, have near field communication technology (Near Field Communication; NFC) mobile phone, refers to Chinese patent case CN201477631U, and it discloses a kind of RFID mobile phone electronic wallet payment system, and Taiwan Patent Case M378583, and its exposure is used in the electronic purse device of a mobile phone.In above-mentioned two cases, the RFID chip built-in that stores individual subscriber and money data is embedded in mobile phone, arrange by this, as long as user's handheld mobile phone, can make wireless data with the sensor that is set up in cashier cash register terminal transmits and receives, and further completing the transaction movement of emulation money, similarly is described in Chinese patent case CN201020146764.9, the mobile phone with electronic purse function can be carried out transaction with the equipment of withholing and withhold; Or described in Chinese patent case CN201110003436.2, on mobile phone, login after account, the money of account can be gone to rfid card and make Stored Value.
Yet, due to chip and have in the element of near field communication technology and be built in aforementioned mobile phone, therefore user certainly will buy specific mobile phone, could use this class function.Thus, add the mobile phone that user has had originally originally, just have two mobile phones to carry, and inconvenient.Face under this situation, user will give up and use original mobile phone.On the other hand, the kind that the mobile phone of the near field communication technology having on the market at present can be selected is few, the a feast for the eyes mobile phone of following numerous manufacturers on the market to go out is compared, user is had chip in being restricted to and choosing specifically and is had the element Plant participants in a bridge game machine class of near field communication technology, due to negligible amounts, user not necessarily likes its outward appearance, for some reason in function with face in appearance awkward.
Moreover, in said chip, be built in the practice in mobile phone, be that chip business and mobile operator make security authentication process in the system that goes out in specific development, to belong to closed system, because chip business and mobile operator have specific secret authentication specification separately, and be unwilling to discharge, if therefore will extensively promote between Yao Meijian financial institution and mobile operator, not easy.
In view of this, provide a kind of payment mechanism that can be applied to various action electronic device, for this reason the target of solution that technical field is needed badly.
Summary of the invention
The technical problem to be solved in the present invention is, for prior art above shortcomings, provide a kind of action to pay the System and method for of assembly and application this action payment assembly, it utilizes circumscribed payment mechanism signal to be connected in an action electronic device, wherein, circumscribed payment mechanism and action electronic device have key separately, if successful matching between two keys, circumscribed payment mechanism can be enabled as a stored value card.
The technical solution adopted for the present invention to solve the technical problems is to provide a kind of circumscribed payment mechanism, in order to be plugged in an action electronic device, it comprises: a chip module, for an accommodating chip card, and this chip card has one first key unit, in order to the one second key unit pairing with being arranged at this action electronic installation; And a data processing module, signal is connected in this chip module, and this data processing module comprises an induction antenna and one first audio transmission interfaces; Wherein, this induction antenna is in order to transmit and to receive with an operation end points server execution information in the external world; Wherein, one second audio transmission interfaces signal of this first audio transmission interfaces of this circumscribed payment mechanism and this action electronic installation links, so that the transmission of execution information and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, this operation end points server sends a requests transaction information to this circumscribed payment mechanism, so that this circumscribed payment mechanism returns a response transaction information to this operation end points server; Wherein, this response transaction information is an agreement information or is an exclude information.
Preferably, this data processing module also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this data processing module, and this Transaction Information comprises an electronic invoice information; Or, in this exclude information, be sent to after this operation end points server, between this circumscribed payment mechanism and this operation end points server, stop transaction.
Preferably, between this induction antenna and this operation end points server, be to implement with wireless radio-frequency (RadioFrequency, RF) or near field communication technology (Near Field Communication, NFC).
Preferably, this data processing module also comprises a data access unit, and this data access unit, in order to making a hardware identification between this circumscribed payment mechanism and this action electronic installation, is checked this first key unit and this second key unit.
Preferably, this data processing module comprises a personal data unit, in order to deposit a user personal information.
Preferably, this data processing module also comprises an authentication ' unit, the data that this authentication ' unit receives from the external world in order to authentication.
The present invention also provides a kind of action to pay assembly, and it comprises: an action electronic device; One first key unit, is arranged in this action electronic installation; And a circumscribed payment mechanism, signal is connected in this action electronic installation, and this circumscribed payment mechanism comprises a chip module, for an accommodating chip card; Wherein, this chip card has one second key unit; Wherein, this first key unit being arranged in this action electronic installation is matched in this second key unit of this chip card, by this circumscribed payment mechanism and this action electronic installation, mutually do after the confirmation of hardware identification, make this circumscribed payment mechanism can carry out a financial transaction action.
Preferably, this circumscribed payment mechanism also comprises a data processing module, and this data processing module also comprises an induction antenna, and this induction antenna is in order to transmit and to receive with an operation end points server execution information in the external world.
Preferably, this operation end points server sends a requests transaction information to this circumscribed payment mechanism, and make this circumscribed payment mechanism return a response transaction information to this operation end points server, wherein, this response transaction information is an agreement information or is an exclude information.
Preferably, this data processing module also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this data processing module, and this Transaction Information comprises an electronic invoice information; Or this action electronic installation also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this action electronic installation, and this Transaction Information comprises an electronic invoice information; Or, in this exclude information, be sent to after this operation end points server, between this circumscribed payment mechanism and this operation end points server, stop transaction.
Preferably, this action electronic installation has an application module, and this application module is online to the financial transaction platform on network, for user, carries out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
Preferably, this action electronic installation has one first application module, this first application module sends a requests transaction information to one second application module of another action electronic device through this circumscribed payment mechanism and carries out signal transmission, for user, carries out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
Preferably, this second application module sends a response transaction information to this first application module; Wherein, this response transaction information is an agreement information or is an exclude information.
Preferably, the first key unit be action electronic device hwid, be installed on a telecommunications chip identifier in this action electronic installation, be directly connected in the built-in key number of at least another hardware identification device, this action electronic installation of this action electronic installation, this action electronic installation receives the key number that stores, the key number in the application software that this action electronic installation is downloaded from extraneous, or is that user makes the one in the key number of setting by oneself.
Preferably, this circumscribed payment mechanism has one first audio interface, this action electronic installation has one second audio interface, this first audio transmission interfaces and this second audio transmission interfaces signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, this circumscribed payment mechanism has one first digital data transmission interface, this action electronic installation has one second digital data transmission interface, this the first digital data transmission interface and this second digital data transmission interface signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, any one of this first digital data transmission interface and this second digital data transmission interface is a USB interface or other standard transmission interface.
Preferably, this circumscribed payment mechanism has a wireless signal transmitter, this action electronic installation has a wireless signal receiver, and between this circumscribed payment mechanism and this action electronic installation via this wireless signal transmitter separately with this wireless signal receiver to be connected as signal.
Preferably, this wireless signal transmitter and this wireless signal receiver are any one in Bluetooth wireless communication module, Wi-Fi wireless communication module, near-field communication (NFC) wireless communication module, Z-Wave wireless communication module and ZigBee wireless communication module.
The present invention also provides a kind of payment system, and it comprises: an action pays assembly, comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; And an operation end points server, comprise a central information unit and a transmitting-receiving induction installation; Wherein, when this circumscribed payment mechanism approaches this transmitting-receiving induction installation, this central information unit sees through this transmitting-receiving induction installation and this circumscribed payment mechanism carries out financial transaction, and this central information unit is sent to this circumscribed payment mechanism by a Transaction Information.
Preferably, this circumscribed payment mechanism comprises an access unit, and this Transaction Information is stored in this access unit.
Preferably, this action electronic installation has an application module, and this application module moves to carry out a computing in order to read this Transaction Information of this access unit.
Preferably, this action electronic installation has an application module, and this Transaction Information is resent to this action electronic installation after being sent to this circumscribed payment mechanism, and this Transaction Information is stored in this application module.
Preferably, this circumscribed payment mechanism also comprises a chip module, and this chip module comprises one first key, is provided with one second key in this action electronic installation; Wherein, this first key matches in this second key, with this circumscribed payment mechanism of mat and this action electronic installation, mutually confirms, makes this circumscribed payment mechanism can carry out a financial transaction.
Preferably, this circumscribed payment mechanism has one first audio transmission interfaces, this action electronic installation comprises one second audio transmission interfaces, this first audio transmission interfaces and this second audio transmission interfaces signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, this circumscribed payment mechanism has one first digital data transmission interface, this action electronic installation has one second digital data transmission interface, this the first digital data transmission interface and this second digital data transmission interface signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, any one of this first digital data transmission interface and this second digital data transmission interface is a USB interface or other standard transmission interface.
Preferably, this circumscribed payment mechanism has a wireless signal transmitter, this action electronic installation has a wireless signal receiver, this wireless signal transmitter and this wireless signal receiver signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
Preferably, this wireless signal transmitter and this wireless signal receiver are any one in Bluetooth wireless communication module, Wi-Fi wireless communication module, near-field communication (NFC) wireless communication module, Z-Wave wireless communication module and ZigBee wireless communication module.
Preferably, this circumscribed payment mechanism comprises an induction antenna, cooperatively interacts and transmit and receive with execution information between this induction antenna and this transmitting-receiving induction installation; Wherein, between this induction antenna and this operation end points server, be with wireless radio-frequency (Radio Frequency; RF) or near field communication technology (Near Field Communication; NFC) implement.
The present invention also provides a kind of payment system, and it comprises: an action pays assembly, comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; Wherein, this action electronic installation has an interface linkage unit; And at least one transaction authentication unit, this action electronic installation sees through this interface linkage unit and is connected with this at least one transaction authentication cell signal, and this circumscribed payment mechanism signal is connected in this at least one transaction authentication unit; Wherein, in this action electronic installation and this circumscribed payment mechanism, via this, at least one transaction authentication unit carries out after a mutual matcher, and this circumscribed payment mechanism can be carried out a financial transaction.
Preferably, this payment system also comprises one first key unit and one second key unit; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in a chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded through this at least one transaction authentication unit to a chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation through this at least one transaction authentication unit, and in this second key unit, be built in a chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation through this at least one transaction authentication unit, and this second key unit is awarded through this at least one transaction authentication unit a chip module that should circumscribed payment mechanism.
Preferably, this circumscribed payment mechanism also comprises a data access unit, and this data access unit is in order to check at least one in this first key unit and this second key unit.
Preferably, this at least one transaction authentication unit is a plug-in type authenticate device, in order to check at least one in this first key unit and this second key unit, this interface linkage unit is a USB interface, an audio transmission interfaces or other standard transmission interface.
Preferably, this at least one transaction authentication unit is a high in the clouds transaction platform, and this interface linkage unit is a Network Interface Module.
Preferably, this action electronic installation has an application module, and this application module is online to this high in the clouds transaction platform, for user, carries out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
Preferably, this action electronic installation has an application module, and this first application module is in order to send a requests transaction information to another action electronic device, to ask to carry out a financial transaction.
Preferably, this second application module sends a response transaction information to this first application module; Wherein, this response transaction information is an agreement information or is an exclude information.
Preferably, another this action electronic installation signal is connected in another circumscribed payment mechanism, and after the data that store in another this circumscribed payment mechanism of this second application module inquiry, the response transaction information of sending is to this first application module; Wherein, this response transaction information is an agreement information or is an exclude information.
Preferably, described payment system also comprises an operation end points server, and this operation end points server comprises a central information unit and a transmitting-receiving induction installation; Wherein, when this circumscribed payment mechanism approaches this transmitting-receiving induction installation, this central information unit sees through this transmitting-receiving induction installation and this circumscribed payment mechanism carries out financial transaction, and this central information unit is sent to this circumscribed payment mechanism by a Transaction Information.
Preferably, this Transaction Information comprises at least one in electronic invoice information and transaction details information.
The present invention also provides a kind of financial transaction method of payment, and it comprises the following steps:
(a) provide an action to pay assembly, this action pays assembly and comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; And
(b) carry out a matcher between this action electronic installation and this circumscribed payment mechanism, after matcher success, this action pays assembly can carry out a financial transaction.
Preferably, described financial transaction method of payment, after step (b), also comprises step (c):
(c) transmission one requests transaction information is certainly extraneous to this action payment assembly; Or, from this action, pay assembly and transmit requests transaction information to one external world.
Preferably, described financial transaction method of payment, in step (c), comprises the steps:
(c1) move this circumscribed payment mechanism close to an operation end points server in an external world, and make this operation end points server transmit this requests transaction information to this circumscribed payment mechanism, to carry out a financial transaction.
Preferably, described financial transaction method of payment, after step (c1), also comprises step (d1):
(d1) transmit an agreement information and pay assembly to this operation end points server from this action, this operation end points server transmits a Transaction Information to this action electronic installation of this action payment assembly and at least one in this circumscribed payment mechanism; Or, transmit an exclude information and pay assembly to this operation end points server from this action, this action pays between assembly and this operation end points server and stops transaction.
Preferably, described financial transaction method of payment, in step (c), also comprises:
(c2) transmit this requests transaction information and pay assembly to a remote transaction authentication ' unit in this external world from this action.
Preferably, described financial transaction method of payment, after step (c2), also comprises step (d2):
(d2) transmit a Stored Value information and pay assembly from this remote transaction authentication ' unit to this action; Or transmission one is refused storage information and is paid assembly from this remote transaction authentication ' unit to this action.
Preferably, step (b) comprises the following steps: that (b1) confirms that one the 0th key unit of this circumscribed payment mechanism is matched with at least one in one second key unit of one first key unit of this action electronic installation and a chip module of this circumscribed payment mechanism.
Preferably, step (b) comprises the following steps:
(b2) confirm that this first key unit of this action electronic installation is matched with the second key unit of this circumscribed payment mechanism; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded to this chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and this second key unit is awarded this chip module that should circumscribed payment mechanism.
The present invention also provides a kind of financial transaction method of payment, and it comprises the following steps:
(a) provide a payment system, this payment system comprises that an action pays assembly and an operation end points server, and this action pays assembly and comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation;
(b) move this circumscribed payment mechanism close to this operation end points server, make the transmission of execution information and reception mutually between this circumscribed payment mechanism and this operation end points server, to carry out a financial transaction; And
(c) transmit a Transaction Information and pay assembly from this operation end points server to this action, and this Transaction Information is stored in this action electronic installation of this action payment assembly and at least one in this circumscribed payment mechanism.
Preferably, described financial transaction method of payment, in step (a), comprises the following steps:
(a1) confirm that one the 0th key unit of this circumscribed payment mechanism is matched with one first key unit of this action electronic installation; And/or, confirm that this 0th key unit of this circumscribed payment mechanism is matched with one second key unit of a chip module of this circumscribed payment mechanism.
Preferably, step (a) comprises the following steps:
(a2) confirm that this first key unit of this action electronic installation is matched with the second key unit of this circumscribed payment mechanism; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded to this chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and this second key unit is awarded this chip module that should circumscribed payment mechanism.
Preferably, described financial transaction method of payment, in step (b), comprises the following steps:
(b1) transmit a requests transaction information and pay assembly from this operation end points server to this action.
Preferably, described financial transaction method of payment, in step (b), comprises the following steps:
(b2) transmit an agreement information and pay assembly to this operation end points server from this action, this operation end points server transmits this Transaction Information to this action and pays assembly; Or, transmit an exclude information and pay assembly to this operation end points server from this action, stop transaction.
Preferably, described financial transaction method of payment, after step (c), also comprises step:
(d) transmit a requests transaction information and pay assembly to remote transaction authentication ' unit from this action.
Preferably, described financial transaction method of payment, after step (d), also comprises step (e):
(e) transmit a Stored Value information and pay assembly from this remote transaction authentication ' unit to this action; Or transmission one is refused storage information and is paid assembly from this remote transaction authentication ' unit to this action.
Action of the present invention pays assembly, by circumscribed payment mechanism and an action electronic device, formed, because circumscribed payment mechanism itself has possessed the function of near field communication, therefore action electronic device itself just needn't possess the function of near field communication, therefore circumscribed payment mechanism can be applicable to various intelligent mobile phone, in other words, user can continue to use original mobile phone but upgrade becomes the function that has near field communication.Furthermore, as long as carry action of the present invention, pay assembly, just needn't carry again entity wallet.In addition, by the key pairing authentication between circumscribed payment mechanism and action electronic device, strengthened the function via wireless authentication and identification, safety and non-repudiation while improving transaction, further ensure the information service of wireless communication user and network service system or financial transaction server both sides' trading activity.And this authentication procedure belongs to open system, more easily promote.
Accompanying drawing explanation
Fig. 1 is that action of the present invention pays the first embodiment of assembly and the schematic diagram of operation end points server.
Fig. 2 is the schematic diagram that action of the present invention pays the circumscribed payment mechanism of assembly.
Fig. 3 is the schematic diagram that the first embodiment of action payment assembly of the present invention is directly connected to financial transaction platform.
Fig. 4 is that the first embodiment of action payment assembly of the present invention sees through the schematic diagram that operation end points server is connected to financial transaction platform.
Fig. 5 is that the present invention pays with two action the schematic diagram that assembly is implemented transaction.
Fig. 6 is the schematic diagram that action of the present invention pays the second embodiment of assembly.
Fig. 7 is the block flow diagram of financial transaction method of payment of the present invention.
Fig. 8 is another block flow diagram of financial transaction method of payment of the present invention.
Embodiment
First, please first consult as shown in Figure 1, it is the first embodiment and operation end points server schematic diagram that action of the present invention pays assembly.The present invention discloses a kind of action and pays assembly, and it comprises an action electronic device 1, one first key unit 10 and a circumscribed payment mechanism 2, and the first key unit 10 can be arranged in action electronic device 1 in mode built-in or that load.Circumscribed payment mechanism 2 comprises a chip module 21, and for an accommodating chip card 22, chip card 22 can be SIM card, Micro SD card ... Deng.Wherein, chip card 22 has one second key unit 20, the first key unit 10 acquiescences and matches in the second key unit 20.If the second key unit 20 of chip card 22 cannot be matched in the second key unit 20 of action electronic device 1, chip card 22 cannot be activated.
Specifically, circumscribed payment mechanism 2 signals are connected in action electronic device 1, but signal connected mode is regardless of, it can be plugged in action electronic device 1 for circumscribed payment mechanism 2 entities, or circumscribed payment mechanism 2 wireless signals are connected in action electronic device 1, by various possible signal, connect and arrange, make can carry out a confirmation program between the first key unit 10 and the second key unit 20.If confirm successfully, circumscribed payment mechanism 2 can be in order to carry out a financial transaction action; If confirm unsuccessfully, make circumscribed payment mechanism 2 cannot carry out a financial transaction action.Wherein, circumscribed payment mechanism 2 is preferably and is external in movably action electronic device 1, and by this, in the time needn't using the situation of circumscribed payment mechanism 2, user can separate circumscribed payment mechanism 2 and action electronic device 1 rapidly.
Moreover action of the present invention pays assembly by being arranged at the first key unit 10 of action electronic device 1 and being arranged at the pairing between second key unit 20 of chip card 22 of circumscribed payment mechanism 2, produces undeniable mechanism.For instance, the second key unit 20 is the concept of autographing while holding credit card purchase, therefore while consuming with credit card on network, can be by the authentication mechanism of identification the second key unit 20, the concept that credit card possessor autographs when replacing concluding the business face-to-face, retain the action of this identification authentication, with further perfect the rights and interests of guaranteeing both parties.
In this, must attention person be, the first key unit 10 not only can only be matched with single the second key unit 20, the first key unit 10 can also be matched with a plurality of the second key unit 20, this is the concept of one-to-many, this act on after action electronic device 10 can match with a plurality of circumscribed payment mechanisms 2.Under this identical concept, effect after a circumscribed payment mechanism 2 can also match with a plurality of action electronic devices 1, thus, a circumscribed payment mechanism 2 is just not limited to be used on an action electronic device 1.
Wherein, between action electronic device 1 of the present invention and circumscribed payment mechanism 2, can identify with hardware mode and software mode.If identify with hardware, the hwid that the first key unit 10 is action electronic device (for example, the physical network address of network card (MAC address)), be installed on a telecommunications chip identifier (for example, the SIM card of mobile phone) in this action electronic installation, be directly connected in built-in key number of at least another hardware identification device, the action electronic device of this action electronic installation etc.Or, with software, identify, action electronic device 1 receives the key number that stores, one in the key number in the application software that action electronic device 1 is downloaded, key number that user makes setting by oneself etc. from extraneous, and two kinds of recognition mechanisms are all feasible.The present invention's application module hereinafter can adopt hardware or software mode to realize.
Moreover, circumscribed payment mechanism 2 more comprises a data processing module 23, data processing module 23 signals are connected in chip module 21, and data processing module 23 comprises an induction antenna 230, induction antenna 230, in order to transmit and to receive with operation end points server 3 execution information in the external world, enters to implement contactless payment transaction.Generally speaking, such as shop or large fortune pass the vehicles and are conventionally provided with operation end points server 3, operation end points server 3 comprises a central information unit 31 and a transmitting-receiving induction installation 32, when if user's wish is carried out a transaction movement, only need mobile circumscribed payment mechanism 2 to approach transmitting-receiving induction installation 32, now central information unit 31 can send a requests transaction information S1 through receiving and dispatching induction installation 32 to circumscribed payment mechanism 2, by this, make circumscribed payment mechanism 2 receive requests transaction information S1.
In this, must attention person be, user can set two kinds of programs, and the one, after receiving requests transaction information S1, need to confirm requests transaction information S1 through user, circumscribed payment mechanism 2 just can be proceeded transaction; Or, after receiving requests transaction information S1, not needing to confirm requests transaction information S1 through user, circumscribed payment mechanism 2 just can be proceeded transaction.Above-mentioned two kinds of modes, are all the program that possible processing is confirmed.Thereafter, circumscribed payment mechanism 2 returns a response transaction information S2 to the central information unit 31 of the end points server 3 of operating; Wherein, response transaction information S2 may or be an exclude information for an agreement information, looks closely the judgement of processing the program of confirming.
In this, must attention person be, the present invention be that the end points server 3 of operating initiatively sends request Transaction Information S1 to circumscribed payment mechanism 2, then circumscribed payment mechanism 2 return response transaction information to the end points server 3 of operating for enumerating explanation.Certainly, can also change and be designed to circumscribed payment mechanism 2 and initiatively send a requests transaction information to the end points server 3 of operating, then operate end points server 3 passback one response transaction information to circumscribed payment mechanism 2, and this is also possible setting, in this, is not restricted.
As for being with wireless radio-frequency (RadioFrequency between induction antenna 230 and operation end points server 3; RF), near field communication technology (Near Field Communication; NFC) Radio Transmission Technology of enforcement or other close technology is implemented, and in this, is not restricted.
Fig. 2 is the schematic diagram that the present invention's action pays the circumscribed payment mechanism of assembly.Please refer to Fig. 1 and Fig. 2.Wherein, data processing module 23 more comprises a data access unit 231, a personal data unit 232, an authentication ' unit 233 and an arithmetic element 234.Wherein, data access unit 231 is in order to check the first key unit 10 and the second key unit 20; Personal data unit 232 is in order to deposit a user personal information, and authentication ' unit 233 is in order to the certainly extraneous data that receive of authentication; As for 234 of arithmetic elements, be to process computing from the extraneous data that receive, and produce corresponding feedback information, as the aforementioned requests transaction information S1 and response transaction information S2 etc.
Furthermore, the central information unit 31 of operation end points server 3 stores a plurality of Transaction Information I, and Transaction Information I comprises at least one in an electronic invoice information, transaction listing details and trade date detail.Be front described in, if response transaction information S2 is an agreement information, circumscribed payment mechanism 2 can be withholdd or be deposited in money, in agreement information, be sent to after operation end points server 3, the central information unit 31 of operation end points server 3 is the access unit 231 to circumscribed payment mechanism 2 through transmitting-receiving induction installation 32 passback Transaction Information I.If response transaction information S2 is an exclude information, in exclude information, be sent to after operation end points server 3, between circumscribed payment mechanism 2 and operation end points server 3, stop transaction.Preferably, circumscribed payment mechanism 2 more comprises a battery 25, in order to power supply so that circumscribed payment mechanism 2 can transmission information.
In this, must attention person be, although the present invention is arranged at circumscribed payment mechanism 2 for enumerating with access unit 231, not be restricted, access unit 231 can be arranged at action electronic device 1 or circumscribed payment mechanism 2.In other words, action electronic device 1 or circumscribed payment mechanism 2 all may store the information of electronic invoice information, transaction listing details and trade date detail etc.
On the other hand, action electronic device 1 has an application module 11.Application module 11 can read the Transaction Information I that transmits and be stored in access unit 231 from the end points server 3 of operating, and then utilizes the arithmetical unit (not shown) in action electronic device 1 to carry out a computing action.Application module 11 is by the information reading in chip card 22, with the remaining sum in inquiry circumscribed payment mechanism 2, or, the Transaction Information I that central information unit 31 sends is resent to action electronic device 1 after circumscribed payment mechanism 2, and be stored in application module 11 so that inquiry is all possible setting.
Fig. 3 is the schematic diagram that the first embodiment of action payment assembly of the present invention is directly connected to financial transaction platform; Fig. 4 is that the first embodiment of action payment assembly of the present invention sees through the schematic diagram that operation end points server is connected to financial transaction platform.Wherein, application module 11 can be online to the financial transaction platform 7 on network, and this is in the concept of high in the clouds operation financial transaction.Its possible set-up mode is that as shown in Figure 3, action electronic device 1 can be connected to financial transaction platform 7 with wireless network direct signal; Or as shown in Figure 4, action electronic device 1 is connected to financial transaction platform 7 with signal through circumscribed payment mechanism 2 and operation end points server 3.Wherein, financial transaction platform 7 can first confirm that whether at least one in the key of circumscribed payment mechanism 2 and the key of action electronic device 1 be correct, if correctly just can carry out subsequent operation.Moreover financial transaction platform 7 development and maintenance persons can be financial institution, user can see through and be connected to financial transaction platform 7 to manage the money in own account; Or user can be by handling application module 11 to carry out a financial transaction; Wherein, financial transaction is a Stored Value transaction, a payment transaction, a money transfer transactions or an inquiry transaction.
Next introduce the method that between circumscribed payment mechanism 2 and action electronic device 1, signal is connected, wherein, circumscribed payment mechanism 2 has one first audio transmission interfaces 24, action electronic device 1 comprises one second audio transmission interfaces 12, the first audio transmission interfaces 24 of circumscribed payment mechanism 2 links with the second audio transmission interfaces 12 signals of action electronic device 1, so that can transmit and receive by mutual executive signal between circumscribed payment mechanism 2 and action electronic device 1.For example, the first audio transmission interfaces 24 of circumscribed payment mechanism 2 has a source of sound joint 240, the second audio transmission interfaces 12 of action electronic device 1 has an audio source hole 120, source of sound joint 240 is suitable to insert audio source hole 120, so that signal is connected between circumscribed payment mechanism 2 and action electronic device 1.
Refer to Fig. 5, it implements the schematic diagram of concluding the business for the present invention pays assembly with two action, wherein, prepare one first action and pay assembly 5 and one second action payment assembly 6, wherein, the first action pays assembly 5 and has one first action electronic device 51 and one first circumscribed payment mechanism 52, and the second action pays assembly 6 and has one second action electronic device 61 and one second circumscribed payment mechanism 62, the first circumscribed payment mechanism 52 and the second circumscribed payment mechanism 62 have respectively induction antenna 520, 620, therefore paying between assembly 5 and one second action payment assembly 6, the first action can see through induction antenna 520, 620 executive signal transmission.
Moreover, the first action electronic device 51 that the first action pays assembly 5 has one first application module 510, the second action electronic device 61 that the second action pays assembly 6 has one second application module 610, wherein, between the first application module 510 and the second application module 610, via the induction antenna 520 of the first circumscribed payment mechanism 52 and the induction antenna 620 of the second circumscribed payment mechanism 62, make signal and transmit and receive, for user, carry out a financial transaction; Wherein, this financial transaction can, for a Stored Value transaction, a payment transaction, a money transfer transactions or an inquiry transaction etc., not be restricted in this.
Certainly, action of the present invention pays assembly and also can transact business with other in-building type NFC mobile phone (not shown).Wherein, between the first application module 510 and the application module of in-building type NFC mobile phone, via the induction antenna 520 of the first circumscribed payment mechanism 52 and the induction antenna of in-building type NFC mobile phone, make signal and transmit and receive, for user, carry out a financial transaction.
Specifically, in this aspectant enforcement aspect, the first application module 510 of the first action electronic device 5 sees through the first circumscribed payment mechanism 52 and sends one second application module 610 that a requests transaction information S3 is sent to the second action electronic device 6, to ask to carry out financial transaction.The person of connecing, after a processing unit (not shown) computing judgement of the second action electronic device 6, the second application module 61 sends response transaction information S4 to the first application module 510.Wherein, response transaction information S4 can be for together anticipating information or be an exclude information.If response transaction information S4 is an agreement information, the money that the second action pays 6 li of assemblies can be transferred in the first action and pay 5 li of assemblies, or the first action money of paying 5 li of assemblies can be transferred in the first action and pays assembly 6.Otherwise, if response transaction information S4 is an exclude information, in this exclude information, is sent to the first action and pays after assembly 5, the first action pays between assembly 5 and the second action payment assembly 6 and stops transaction.
Refer to Fig. 6, it is the schematic diagram that action of the present invention pays the second embodiment of assembly.Certainly, can transmitting with audio interface between circumscribed payment mechanism 2 and action electronic device 1, can also transmit with digital data transmission interface.Wherein, circumscribed payment mechanism 2 ' has one first digital data transmission interface 24 ', action electronic device 1 ' comprises one second digital data transmission interface 12 ', the first digital data transmission interface 24 ' of circumscribed payment mechanism 2 ' links with the second digital data transmission interface 12 ' signal of action electronic device 1 ', so that can transmit and receive by mutual executive signal between circumscribed payment mechanism 2 ' and action electronic device 1 '.For example, the first digital data transmission interface 24 ' of circumscribed payment mechanism 2 has a USB joint 240 ', the second audio transmission interfaces 12 ' of action electronic device 1 ' has a USB hole 120 ', USB joint 240 ' is suitable to insert USB hole 120 ', so that signal is connected between circumscribed payment mechanism 2 ' and action electronic device 1 '.In this, need expositor to be, utilizing USB interface specification to make digital data transmission is only to enumerate, and certainly, can also use other standard transmission interface to make digital data transmission, in this, does not do a restriction.As for inner other element, be same as last embodiment, therefore repeat no more in this.
Moreover, consider that user carries the convenience that action pays assembly, circumscribed payment mechanism can be designed to a sheath body, by this, when circumscribed payment mechanism connects and is fixed on action electronic device with wired or wireless signal, circumscribed payment mechanism is suitable can wrap action electronic device, makes its function additionally with general phone housing, can anti-external force collide and bring into play effect attractive in appearance.
In addition, see through entity wiring and walk the mode of wire transmission except above-mentioned two kinds, can also transmit with wireless mode.Wherein, circumscribed payment mechanism (not shown) has a wireless signal transmitter, action electronic device (not shown) has a wireless signal receiver, this wireless signal transmitter and this wireless signal receiver signal link, so that executive signal transmission and reception mutually between circumscribed payment mechanism and action electronic device.This is also a kind of possible embodiment.Wherein, wireless signal transmitter and wireless signal receiver can be any one in a Bluetooth wireless communication module, a Wi-Fi wireless communication module, a near-field communication (NFC) wireless communication module, a Z-Wave wireless communication module and a ZigBee wireless communication module.
Next, please refer to Fig. 7, it is the block flow diagram of financial transaction method of payment of the present invention.And please refer to Fig. 1 and Fig. 7.First, execution step (a) provides an action to pay assembly, and this action pays assembly and comprises that an action electronic device 1 and signal are connected in a circumscribed payment mechanism 2 of this action electronic installation 1.Wherein, the mode that circumscribed payment mechanism 2 can receive with audio interface, digital data transmission interface or wireless transmission and action electronic device 1 are done signal transmission, before this part has been narrated and has been recorded in.
After step (a), execution step (b).In step (b), carry out a matcher between this action electronic installation 1 and this circumscribed payment mechanism 2, after matcher success, this action pays assembly can carry out a financial transaction.Otherwise if matcher failure, this action payment assembly is to be used for carrying out financial transaction.
The detailed pairing step of step (b) is as follows: one the 0th key unit (not shown) of (b1) confirming this circumscribed payment mechanism 2 is matched with at least one in one second key unit 20 of one first key unit 10 of this action electronic installation 1 and a chip module 21 of this circumscribed payment mechanism 2, in this person of should be specified, be that this can be considered the authentication of ground floor.Next carrying out (b2) and confirm that this first key unit 10 of this action electronic installation 1 is matched with the second key unit 20 of this circumscribed payment mechanism 2, is that this can be considered the authentication of the second layer in this person of should be specified.Certainly, this authentication procedure is not limited at hardware or carries out beyond the clouds.
Wherein, in the first key unit 10, be built in action electronic device 1, and in the second key unit 20, be built in the chip module 21 of circumscribed payment mechanism 2; Or, in the first key unit 10, be built in action electronic device 1, and the second key unit 20 is from the extraneous chip module 21 that loads and be awarded corresponding circumscribed payment mechanism 2; Or the first key unit 10 loads and is awarded corresponding action electronic device 1 from extraneous, and is built in the chip module 21 of circumscribed payment mechanism 2 in the second key unit 20; Or the first key unit 10 loads and is awarded corresponding action electronic device 1 from extraneous, and the second key unit 20 is from the extraneous four kinds of possible settings such as chip module 21 that load and be awarded corresponding circumscribed payment mechanism 2.
In step (b) afterwards, financial transaction method of payment of the present invention more comprises step (c) and transmits a requests transaction information S1 and pay assembly from extraneous to this action; Or, from this action, pay assembly and transmit requests transaction information to one external world.Depending on action, paying assembly is to be pre-arranged as active or passive type.For convenience of description, the present invention's action of take pays assembly and exemplifies explanation as passive type, but does not do a restriction.
In step (c), there are two kinds of possible transaction step, the transaction step that the first is possible is: (c1) mobile circumscribed payment mechanism 2 is close to an operation end points server 3 in an external world, and the end points server 3 that makes to operate transmits requests transaction information S1 to circumscribed payment mechanism 2, to carry out a financial transaction.After step (c1), execution step (d1) transmits an agreement information and pays assembly to the end points server 3 of operating from this action, the end points server 3 of operating transmits Transaction Information I and pays the action electronic device 1 of assembly and at least one in circumscribed payment mechanism 2 to this action, wherein, Transaction Information I comprises at least one in an electronic invoice information, transaction listing details and trade date detail; But or, transmit an exclude information and pay assembly to the end points server 3 of operating from this action, this action pays termination transaction between assembly and operation end points server 3.
The possible transaction step of the second is: (c2) transmit a requests transaction information S5 and pay assembly to a remote transaction authentication ' unit in this external world from this action, this remote transaction authentication ' unit can be a financial transaction platform 7 or the hardware (not shown) with another key, to assist to confirm the ownership of circumscribed payment mechanism 2, in this person of should be specified, be that this is the authentication of the 3rd layer.After step (c2), execution step (d2) transmits a Stored Value information and pays assembly from remote transaction authentication ' unit to this action, with to circumscribed payment mechanism 2 Stored Values; Or transmission one is refused storage information and is paid assembly from remote transaction authentication ' unit to this action, when this kind of situation may occur in account balance deficiency.
Then, refer to Fig. 8, it is another block flow diagram of financial transaction method of payment of the present invention, and please refer to Fig. 1 and Fig. 8.First, execution step (a) provides a payment system, this payment system comprises that an action pays assembly and an operation end points server 3, and this action pays assembly and comprises that an action electronic device 1 and signal are connected in a circumscribed payment mechanism 2 of this action electronic installation 1.
Detailed step as for step (a1 ') is as follows: (a1 ') confirm that one the 0th key unit of circumscribed payment mechanism 2 is matched with one first key unit 10 of action electronic device 1; And/or, confirm that one the 0th key unit (not shown) of circumscribed payment mechanism 2 is matched with one second key unit 20 of a chip module 21 of circumscribed payment mechanism 2, this is ground floor authentication; (a2 ') confirm that the first key unit 10 of action electronic device 1 is matched with the second key unit 20 of circumscribed payment mechanism 2, this is second layer authentication.Wherein, the first key unit 10 and the second key unit 20 have four kinds of possible settings: in the first key unit 10, be built in action electronic device 1, and in the second key unit 20, be built in the chip module 21 of circumscribed payment mechanism 2; Or, in the first key unit 10, be built in action electronic device 1, and the second key unit 20 is from the extraneous chip module 21 that loads and be awarded corresponding circumscribed payment mechanism 2; Or the first key unit 10 loads and is awarded corresponding action electronic device 1 from extraneous, and is built in the chip module 21 of circumscribed payment mechanism 2 in the second key unit 20; Or the first key unit 10 loads and is awarded corresponding action electronic device 1 from extraneous, and the second key unit 20 is from the extraneous chip module 21 that loads and be awarded corresponding circumscribed payment mechanism 2.
Step (a ') after, execution step (b ').In step (b '), mobile this circumscribed payment mechanism 2 is close to this operation end points server 3, makes between this circumscribed payment mechanism 2 and operation end points server 3 execution information mutually transmit and reception, to carry out a financial transaction.
In step (b '), comprise the following steps: that (b1 ') transmits a requests transaction information S1 and pay assembly from end points server 3 to this action of operating; Or, from this action, pay assembly and transmit a requests transaction information (not shown) to the end points server 3 of operating, depending on this action, paying assembly is passive type or active, the present invention thinks that the former enumerates explanation at situation; The person of connecing, carries out step (b2 ') and transmits an agreement information and pay assembly to the end points server 3 of operating from this action, and the end points server 3 of operating transmits Transaction Information I and pays assembly to this action; Or, transmit an exclude information and pay assembly to the end points server 3 of operating from this action, stop transaction.
The person of connecing, in step (c '), transmits a Transaction Information I and pays assembly from end points server 3 to this action of operating, and Transaction Information I can be stored in this action and pays the action electronic device 1 of assembly and at least one in circumscribed payment mechanism 2.Wherein, Transaction Information I comprises at least one in electronic invoice information, transaction listing details and trade date detail.Arrange by this, invoice information can be stored in consumer's mobile phone, has save consumer and has needed specially to receive the trouble of whole hard copy invoice again.
After step (c '), more comprise step (d ') and (e ').Step (d ') transmit a requests transaction information S5 from this action payment assembly to remote transaction authentication ' unit (not shown).Step (e ') transmits a Stored Value information and pays assembly from this remote transaction authentication ' unit 233 to this action; Or transmission one is refused storage information and is paid assembly from this remote transaction authentication ' unit to this action.
In sum, the disclosed action of the present invention pays assembly, by circumscribed payment mechanism and an action electronic device, formed, because circumscribed payment mechanism itself has possessed the function of near field communication, therefore action electronic device itself just needn't possess the function of near field communication, therefore circumscribed payment mechanism can be applicable to various intelligent mobile phone, and in other words, user can continue to use original mobile phone but upgrading becomes the function that has near field communication.Furthermore, as long as carry action of the present invention, pay assembly, just needn't carry again entity wallet.In addition, by the key pairing authentication between circumscribed payment mechanism and action electronic device, strengthened the function via wireless authentication and identification, safety and non-repudiation while improving transaction, further ensure the information service of wireless communication user and network service system or financial transaction server both sides' trading activity.And this authentication procedure belongs to open system, more easily promote.
Only the foregoing is only preferred embodiment of the present invention, be non-ly intended to limit to scope of patent protection of the present invention, therefore such as use the equivalence that instructions of the present invention and graphic content are done to change, be all in like manner all included in the scope of the present invention, close and give Chen Ming.

Claims (56)

1. a circumscribed payment mechanism, in order to be plugged in an action electronic device, is characterized in that, comprising:
One chip module, for an accommodating chip card, and this chip card has one first key unit, in order to the one second key unit pairing with being arranged at this action electronic installation; And
One data processing module, signal is connected in this chip module, and this data processing module comprises an induction antenna and one first audio transmission interfaces; Wherein, this induction antenna is in order to transmit and to receive with an operation end points server execution information in the external world;
Wherein, one second audio transmission interfaces signal of this first audio transmission interfaces of this circumscribed payment mechanism and this action electronic installation links, so that the transmission of execution information and reception mutually between this circumscribed payment mechanism and this action electronic installation.
2. circumscribed payment mechanism as claimed in claim 1, is characterized in that, this operation end points server sends a requests transaction information to this circumscribed payment mechanism, so that this circumscribed payment mechanism returns a response transaction information to this operation end points server; Wherein, this response transaction information is an agreement information or is an exclude information.
3. circumscribed payment mechanism as claimed in claim 2, is characterized in that, this data processing module also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this data processing module, and this Transaction Information comprises an electronic invoice information; Or, in this exclude information, be sent to after this operation end points server, between this circumscribed payment mechanism and this operation end points server, stop transaction.
4. circumscribed payment mechanism as claimed in claim 1, is characterized in that, is to implement with wireless radio-frequency or near field communication technology between this induction antenna and this operation end points server.
5. circumscribed payment mechanism as claimed in claim 1, it is characterized in that, this data processing module also comprises a data access unit, this data access unit, in order to making a hardware identification between this circumscribed payment mechanism and this action electronic installation, is checked this first key unit and this second key unit.
6. circumscribed payment mechanism as claimed in claim 1, is characterized in that, this data processing module comprises a personal data unit, in order to deposit a user personal information.
7. circumscribed payment mechanism as claimed in claim 1, is characterized in that, this data processing module also comprises an authentication ' unit, the data that this authentication ' unit receives from the external world in order to authentication.
8. action pays an assembly, it is characterized in that, comprising:
One action electronic device;
One first key unit, is arranged in this action electronic installation; And
One circumscribed payment mechanism, signal is connected in this action electronic installation, and this circumscribed payment mechanism comprises a chip module, for an accommodating chip card; Wherein, this chip card has one second key unit;
Wherein, this first key unit being arranged in this action electronic installation is matched in this second key unit of this chip card, by this circumscribed payment mechanism and this action electronic installation, mutually do after the confirmation of hardware identification, make this circumscribed payment mechanism can carry out a financial transaction action.
9. action as claimed in claim 8 pays assembly, it is characterized in that, this circumscribed payment mechanism also comprises a data processing module, and this data processing module also comprises an induction antenna, and this induction antenna is in order to transmit and to receive with an operation end points server execution information in the external world.
10. action as claimed in claim 9 pays assembly, it is characterized in that, this operation end points server sends a requests transaction information to this circumscribed payment mechanism, and make this circumscribed payment mechanism return a response transaction information to this operation end points server, wherein, this response transaction information is an agreement information or is an exclude information.
11. action as claimed in claim 10 pay assembly, it is characterized in that, this data processing module also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this data processing module, and this Transaction Information comprises an electronic invoice information; Or this action electronic installation also comprises an access unit; Wherein, in this agreement information, be sent to after this operation end points server, this operation end points server returns a Transaction Information to this access unit of this action electronic installation, and this Transaction Information comprises an electronic invoice information; Or, in this exclude information, be sent to after this operation end points server, between this circumscribed payment mechanism and this operation end points server, stop transaction.
12. action as claimed in claim 8 pay assemblies, it is characterized in that, this action electronic installation has an application module, and this application module is online to the financial transaction platform on network, for user, carry out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
13. action as claimed in claim 8 pay assembly, it is characterized in that, this action electronic installation has one first application module, this first application module sends a requests transaction information to one second application module of another action electronic device through this circumscribed payment mechanism and carries out signal transmission, for user, carries out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
14. action as claimed in claim 13 pay assembly, it is characterized in that, this second application module sends a response transaction information to this first application module; Wherein, this response transaction information is an agreement information or is an exclude information.
15. action as claimed in claim 8 pay assembly, it is characterized in that, the first key unit be action electronic device hwid, be installed on a telecommunications chip identifier in this action electronic installation, be directly connected in the built-in key number of at least another hardware identification device, this action electronic installation of this action electronic installation, this action electronic installation receives the key number that stores, the key number in the application software that this action electronic installation is downloaded from extraneous, or is that user makes the one in the key number of setting by oneself.
16. action as claimed in claim 8 pay assembly, it is characterized in that, this circumscribed payment mechanism has one first audio interface, this action electronic installation has one second audio interface, this first audio transmission interfaces and this second audio transmission interfaces signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
17. action as claimed in claim 8 pay assembly, it is characterized in that, this circumscribed payment mechanism has one first digital data transmission interface, this action electronic installation has one second digital data transmission interface, this the first digital data transmission interface and this second digital data transmission interface signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
18. action as claimed in claim 17 pay assembly, it is characterized in that, any one of this first digital data transmission interface and this second digital data transmission interface is the standard transmission interface that comprises USB interface.
19. action as described in claim 16 or 17 pay assembly, it is characterized in that, this circumscribed payment mechanism has a wireless signal transmitter, this action electronic installation has a wireless signal receiver, and between this circumscribed payment mechanism and this action electronic installation via this wireless signal transmitter separately with this wireless signal receiver to be connected as signal.
20. action as claimed in claim 19 pay assembly, it is characterized in that, this wireless signal transmitter and this wireless signal receiver are any one in Bluetooth wireless communication module, Wi-Fi wireless communication module, near-field communication wireless communication module, Z-Wave wireless communication module and ZigBee wireless communication module.
21. 1 kinds of payment systems, is characterized in that, comprising:
One action pays assembly, comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; And
One operation end points server, comprises a central information unit and a transmitting-receiving induction installation;
Wherein, when this circumscribed payment mechanism approaches this transmitting-receiving induction installation, this central information unit sees through this transmitting-receiving induction installation and this circumscribed payment mechanism carries out financial transaction, and this central information unit is sent to this circumscribed payment mechanism by a Transaction Information.
22. payment systems as claimed in claim 21, is characterized in that, this circumscribed payment mechanism comprises an access unit, and this Transaction Information is stored in this access unit.
23. payment systems as claimed in claim 22, is characterized in that, this action electronic installation has an application module, and this application module moves to carry out a computing in order to read this Transaction Information of this access unit.
24. payment systems as claimed in claim 21, is characterized in that, this action electronic installation has an application module, and this Transaction Information is resent to this action electronic installation after being sent to this circumscribed payment mechanism, and this Transaction Information is stored in this application module.
25. payment systems as claimed in claim 21, is characterized in that, this circumscribed payment mechanism also comprises a chip module, and this chip module comprises one first key, are provided with one second key in this action electronic installation; Wherein, this first key matches in this second key, with this circumscribed payment mechanism of mat and this action electronic installation, mutually confirms, makes this circumscribed payment mechanism can carry out a financial transaction.
26. payment systems as claimed in claim 21, it is characterized in that, this circumscribed payment mechanism has one first audio transmission interfaces, this action electronic installation comprises one second audio transmission interfaces, this first audio transmission interfaces and this second audio transmission interfaces signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
27. payment systems as claimed in claim 21, it is characterized in that, this circumscribed payment mechanism has one first digital data transmission interface, this action electronic installation has one second digital data transmission interface, this the first digital data transmission interface and this second digital data transmission interface signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
28. payment systems as claimed in claim 27, is characterized in that, any one of this first digital data transmission interface and this second digital data transmission interface is the standard transmission interface that comprises USB interface.
29. payment systems as described in claim 26 or 27, it is characterized in that, this circumscribed payment mechanism has a wireless signal transmitter, this action electronic installation has a wireless signal receiver, this wireless signal transmitter and this wireless signal receiver signal link, so that executive signal transmission and reception mutually between this circumscribed payment mechanism and this action electronic installation.
30. payment systems as claimed in claim 29, it is characterized in that, this wireless signal transmitter and this wireless signal receiver are any one in Bluetooth wireless communication module, Wi-Fi wireless communication module, near-field communication wireless communication module, Z-Wave wireless communication module and ZigBee wireless communication module.
31. payment systems as claimed in claim 19, is characterized in that, this circumscribed payment mechanism comprises an induction antenna, cooperatively interact and transmit and receive with execution information between this induction antenna and this transmitting-receiving induction installation; Wherein, between this induction antenna and this operation end points server, be to implement with wireless radio-frequency or near field communication technology.
32. 1 kinds of payment systems, is characterized in that, comprising:
One action pays assembly, comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; Wherein, this action electronic installation has an interface linkage unit; And
At least one transaction authentication unit, this action electronic installation sees through this interface linkage unit and is connected with this at least one transaction authentication cell signal, and this circumscribed payment mechanism signal is connected in this at least one transaction authentication unit;
Wherein, in this action electronic installation and this circumscribed payment mechanism, via this, at least one transaction authentication unit carries out after a mutual matcher, and this circumscribed payment mechanism can be carried out a financial transaction.
33. payment systems as claimed in claim 32, is characterized in that, this payment system also comprises one first key unit and one second key unit; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in a chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded through this at least one transaction authentication unit to a chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation through this at least one transaction authentication unit, and in this second key unit, be built in a chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation through this at least one transaction authentication unit, and this second key unit is awarded through this at least one transaction authentication unit a chip module that should circumscribed payment mechanism.
34. payment systems as claimed in claim 33, is characterized in that, this circumscribed payment mechanism also comprises a data access unit, and this data access unit is in order to check at least one in this first key unit and this second key unit.
35. payment systems as claimed in claim 33, it is characterized in that, this at least one transaction authentication unit is a plug-in type authenticate device, in order to check at least one in this first key unit and this second key unit, this interface linkage unit is the standard transmission interface that comprises USB interface, audio transmission interfaces.
36. payment systems as described in claim 33 or 34, is characterized in that, this at least one transaction authentication unit is a high in the clouds transaction platform, and this interface linkage unit is a Network Interface Module.
37. payment systems as claimed in claim 36, is characterized in that, this action electronic installation has an application module, and this application module is online to this high in the clouds transaction platform, for user, carries out a financial transaction; Wherein, this financial transaction is Stored Value transaction, payment transaction, money transfer transactions or inquiry transaction.
38. payment systems as claimed in claim 37, is characterized in that, this action electronic installation has an application module, and this first application module is in order to send a requests transaction information to another action electronic device, to ask to carry out a financial transaction.
39. payment systems as claimed in claim 38, is characterized in that, this second application module sends a response transaction information to this first application module; Wherein, this response transaction information is an agreement information or is an exclude information.
40. payment systems as claimed in claim 38, it is characterized in that, another this action electronic installation signal is connected in another circumscribed payment mechanism, and after the data that store in another this circumscribed payment mechanism of this second application module inquiry, the response transaction information of sending is to this first application module; Wherein, this response transaction information is agreement information or is exclude information.
41. payment systems as claimed in claim 32, is characterized in that, this payment system also comprises an operation end points server, and this operation end points server comprises a central information unit and a transmitting-receiving induction installation; Wherein, when this circumscribed payment mechanism approaches this transmitting-receiving induction installation, this central information unit sees through this transmitting-receiving induction installation and this circumscribed payment mechanism carries out financial transaction, and this central information unit is sent to this circumscribed payment mechanism by a Transaction Information.
42. payment systems as claimed in claim 41, is characterized in that, this Transaction Information comprises at least one in electronic invoice information and transaction details information.
43. 1 kinds of financial transaction methods of payment, is characterized in that, comprise the following steps:
(a) provide an action to pay assembly, this action pays assembly and comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation; And
(b) carry out a matcher between this action electronic installation and this circumscribed payment mechanism, after matcher success, this action pays assembly can carry out a financial transaction.
44. financial transaction methods of payment as claimed in claim 43, is characterized in that, after step (b), also comprise step (c):
(c) transmission one requests transaction information is certainly extraneous to this action payment assembly; Or, from this action, pay assembly and transmit requests transaction information to one external world.
45. financial transaction methods of payment as described in claim 44, is characterized in that, in step (c), comprise the steps:
(c1) move this circumscribed payment mechanism close to an operation end points server in an external world, and make this operation end points server transmit this requests transaction information to this circumscribed payment mechanism, to carry out a financial transaction.
46. financial transaction methods of payment as claimed in claim 45, is characterized in that, after step (c1), also comprise step (d1):
(d1) transmit an agreement information and pay assembly to this operation end points server from this action, this operation end points server transmits a Transaction Information to this action electronic installation of this action payment assembly and at least one in this circumscribed payment mechanism; Or, transmit an exclude information and pay assembly to this operation end points server from this action, this action pays between assembly and this operation end points server and stops transaction.
47. financial transaction methods of payment as claimed in claim 45, is characterized in that, in step (c), also comprise:
(c2) transmit this requests transaction information and pay assembly to a remote transaction authentication ' unit in this external world from this action.
48. financial transaction methods of payment as claimed in claim 47, is characterized in that, after step (c2), also comprise step (d2):
(d2) transmit a Stored Value information and pay assembly from this remote transaction authentication ' unit to this action; Or transmission one is refused storage information and is paid assembly from this remote transaction authentication ' unit to this action.
49. financial transaction methods of payment as claimed in claim 43, is characterized in that, step (b) comprises the following steps:
(b1) one the 0th key unit of confirming this circumscribed payment mechanism is matched with at least one in one second key unit of one first key unit of this action electronic installation and a chip module of this circumscribed payment mechanism.
50. financial transaction methods of payment as claimed in claim 49, is characterized in that, step (b) comprises the following steps:
(b2) confirm that this first key unit of this action electronic installation is matched with the second key unit of this circumscribed payment mechanism; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded to this chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and this second key unit is awarded this chip module that should circumscribed payment mechanism.
50. 1 kinds of financial transaction methods of payment, is characterized in that, comprise the following steps:
(a) provide a payment system, this payment system comprises that an action pays assembly and an operation end points server, and this action pays assembly and comprises that an action electronic device and signal are connected in a circumscribed payment mechanism of this action electronic installation;
(b) move this circumscribed payment mechanism close to this operation end points server, make the transmission of execution information and reception mutually between this circumscribed payment mechanism and this operation end points server, to carry out a financial transaction; And
(c) transmit a Transaction Information and pay assembly from this operation end points server to this action, and this Transaction Information is stored in this action electronic installation of this action payment assembly and at least one in this circumscribed payment mechanism.
51. financial transaction methods of payment as claimed in claim 50, is characterized in that, in step (a), comprise the following steps:
(a1) confirm that one the 0th key unit of this circumscribed payment mechanism is matched with one first key unit of this action electronic installation; And/or, confirm that this 0th key unit of this circumscribed payment mechanism is matched with one second key unit of a chip module of this circumscribed payment mechanism.
52. financial transaction methods of payment as claimed in claim 51, is characterized in that, step (a) comprises the following steps:
(a2) confirm that this first key unit of this action electronic installation is matched with the second key unit of this circumscribed payment mechanism; Wherein, in this first key unit, be built in this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or, in this first key unit, be built in this action electronic installation, and this second key unit is awarded to this chip module that should circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and in this second key unit, be built in this chip module of this circumscribed payment mechanism; Or this first key unit is awarded corresponding this action electronic installation, and this second key unit is awarded this chip module that should circumscribed payment mechanism.
53. financial transaction methods of payment as claimed in claim 50, is characterized in that, in step (b), comprise the following steps:
(b1) transmit a requests transaction information and pay assembly from this operation end points server to this action.
54. financial transaction methods of payment as claimed in claim 54, is characterized in that, in step (b), comprise the following steps:
(b2) transmit an agreement information and pay assembly to this operation end points server from this action, this operation end points server transmits this Transaction Information to this action and pays assembly; Or, transmit an exclude information and pay assembly to this operation end points server from this action, stop transaction.
55. financial transaction methods of payment as claimed in claim 50, is characterized in that, after step (c), also comprise step:
(d) transmit a requests transaction information and pay assembly to remote transaction authentication ' unit from this action.
56. financial transaction methods of payment as claimed in claim 56, is characterized in that, after step (d), also comprise step (e):
(e) transmit a Stored Value information and pay assembly from this remote transaction authentication ' unit to this action; Or transmission one is refused storage information and is paid assembly from this remote transaction authentication ' unit to this action.
CN201310047236.6A 2013-02-06 2013-02-06 Mobile payment assembly and system and method adopting same Pending CN103971234A (en)

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PCT/CN2014/070598 WO2014121680A1 (en) 2013-02-06 2014-01-14 Mobile payment assembly and system and method using the mobile payment assembly

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