CN104424696A - Wearable mobile payment equipment and payment method - Google Patents

Wearable mobile payment equipment and payment method Download PDF

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Publication number
CN104424696A
CN104424696A CN201310393184.8A CN201310393184A CN104424696A CN 104424696 A CN104424696 A CN 104424696A CN 201310393184 A CN201310393184 A CN 201310393184A CN 104424696 A CN104424696 A CN 104424696A
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nfc
payment
mobile payment
equipment
bank
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CN201310393184.8A
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Chinese (zh)
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陈业军
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Individual
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Abstract

The invention discloses wearable mobile payment equipment and a payment method. The wearable mobile payment equipment is portable intelligent equipment with a wireless communication function, and an NFC (near field communication) chip used for realizing an NFC function and an antenna are arranged inside the wearable mobile payment equipment. The payment method includes submitting a payment request which is sent out by the NFC antenna; acquiring transaction information like bank card number, wherein the transaction information is fed back and provided by a terminal, containing information necessary for bank transaction, like an outside noncontact IC (integrated circuit) card or intelligent equipment integrating the NFC function; utilizing a wireless communication network to send the transaction information to a bank data center; executing operations like enabling a bank account to make payment according to the transaction information and feeding a processing result back to the wearable mobile payment equipment by the bank data center; performing reading-writing operation of the bank processing result on the noncontact IC card or the intelligent equipment integrating the NFC function through the NFC antenna to complete payment process. The wearable mobile payment equipment is safe in payment and easy to carry.

Description

A kind of wearable mobile payment device and method of payment
Technical field
The present invention relates to mobile payment technical field, more particularly, relate to a kind of wearable mobile payment device and method of payment.
Background technology
Wearable device technology refers to the science and technology of the clothes (accessory) that can directly be through with it or be integrated into user.Utilize this technology, multimedia, sensor and radio communication etc. can be embedded in the clothing of people, and the multiple interactive mode such as gesture and the dynamic operation of eye can be supported.
NFC is proposed in 2004 by Sony, NXP (being derived from Philips semiconductor) and Nokia, and it makes the communication can carrying out short distance between electronic equipment.The appearance of NFC technique, greatly facilitates the progress that radio-frequency (RF) identification (Radio Frequency Identification, RFID) technology and mobile communication technology merge mutually, draws many new application models.
The Wearable device of carrying NFC technique can provide better portability and serve widely, and therefore, Wearable device may replace smart mobile phone, becomes the future of mobile payment.Be innately a kind of safe equipment by the Wearable device of weared on wrist, in order to the universal this equipment of main flow masses, it needs to use a kind of new technology to go to expand its function, and can change the consumer behavior of people as iPhone.NFC is exactly best selection, and its technology is ripe, and it not only can make your wrist wear equipment and realize mobile payment function, and it also can become your mass transit card, work card, garage key, family's door key etc.Finally, this intelligent wrist wear equipment slowly become main flow popular like and the equipment be unable to do without.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of wearable mobile payment device and method of payment, and be easy to carry about with one, safety of payment is convenient, is conducive to the universal of mobile payment technology.
For this reason, the embodiment of the present invention adopts following technical scheme: the invention provides a kind of wearable mobile payment device, described equipment is the smart machine with baseband chip and wireless communication module, comprises apparatus body, near-field communication NFC chip and NFC antenna is also provided with in described body, wherein:
Described NFC chip is connected with described baseband chip, launches or Received signal strength for driving described NFC antenna;
Described NFC antenna is connected with described NFC chip, for the NFC device interactive information with outside.
Preferably, in the said equipment, described body is provided with input-output device, is connected with described baseband chip, for inputting the request of payment and display payment information.
Preferably, in the said equipment, described input-output device is touch display screen.
Preferably, in the said equipment, the wireless network type of described wireless communication module support comprises WIFI network, GPRS networking, 3G network and LTE network.
Preferably, in the said equipment, the exterior contour of described body is the watch shape that may be worn in wrist.
Preferably, in the said equipment, the shell of described body is that insulating material is formed.
The present invention also provides a kind of method of payment, and described method of payment comprises the following steps:
A, submission pay request;
B, acquisition bank transaction information needed, described information is provided by the smart machine feedback of contactless IC card or integrated NFC function;
C, by cordless communication network by described information transmission to bank data centers;
D, bank data centers carry out account's operation according to described information to account No., and result is fed back to equipment;
E, the smart machine of contactless IC card or integrated NFC function is carried out to the write operation of bank's result.
Preferably, in above-mentioned method of payment, described cordless communication network comprises WIFI network, GPRS networking, 3G network and LTE network.
A kind of wearable mobile payment device that the embodiment of the present invention provides and method of payment, by NFC chip and NFC antenna being integrated in wearable or that portability is higher smart machine, the smart machine of the integrated NFC function of the NFC communication technology of widespread use and contactless bank IC card or other is utilized to carry out information interaction, read the bank information that exchange needs, the radio communication function had by equipment itself again and bank data centers carry out safe data communication, bank data centers is according to operations such as Transaction Information deducting fees of carrying out being correlated with, owing to adopting wearable structure, can directly wear, such as be enclosed within wrist, use safety convenient again, this substantially increases the experience of user undoubtedly, thus promoted the penetration and promotion of mobile payment technology.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
The System's composition block diagram of a kind of wearable mobile payment device that Fig. 1 provides for the embodiment of the present invention;
The appearance shape figure of a kind of wearable mobile payment device that Fig. 2 provides for the embodiment of the present invention;
The process flow diagram of a kind of method of payment that Fig. 3 provides for the embodiment of the present invention.
Embodiment
The embodiment of the present invention provides a kind of wearable mobile payment device and method of payment, and be easy to carry about with one, safety of payment is convenient.
For the purpose of quoting and know, technical term used herein, write a Chinese character in simplified form or abridge and be summarized as follows:
NFC, Near Field Communication, i.e. near-field communication
WIFI, Wireless Fidelity, i.e. Wireless Fidelity;
GPRS, General Packet Radio Service, i.e. general packet radio service;
3G, 3rd-generation, i.e. G mobile communication;
LTE, Long Term Evolution, i.e. Long Term Evolution.
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Please refer to Fig. 1, the System's composition schematic diagram of its wearable mobile payment device provided for the embodiment of the present invention.
A kind of wearable mobile payment device disclosed in the embodiment of the present invention, described equipment is the common smart machine with baseband chip and wireless communication module, described baseband chip is as the nucleus module in the common electronics communication facilitiess such as mobile phone, usually be made up of parts such as CPU processor, channel encoder, digital signal processor, modulator-demodular unit and interface modules, be responsible for signal and protocol processes work.In embodiments of the present invention owing to realizing data interchange between needs and bank data centers, thus equipment need possess radio communication function, namely can by realizing a kind of connection of safe and convenient between common wireless network mode (comprising WIFI, GPRS, 3G, LTE etc.) and bank data network, certainly the hardware module of support of wireless communication function is needed, namely above mentioned wireless communication module in such equipment.Because above-mentioned baseband chip and wireless communication module are proven technique in electronic communication industry already, concerning the content known especially the professional and technical personnel in the industry, and the two just generally basic effect that the realization of beneficial effect of the present invention is played, therefore, here they are not elaborated.
In order to realize the beneficial effect part of most critical of the present invention, namely safe and convenient ground mobile payment is realized, NFC chip and NFC antenna is provided with in described equipment, wherein said NFC chip is connected with described baseband chip, for driving described NFC antenna to launch or Received signal strength, described NFC chip generally supports three kinds of mode of operations:
1, mode card (Card emulation): this pattern is exactly be equivalent to the IC-card that adopts RFID technique in fact.Can substitute to swipe the card in a large amount of IC-card (comprising credit card) occasion markets, mass transit card, gate inhibition's control, ticket, admission ticket etc.Under this kind of mode, have a great advantage, that is exactly that card is powered by the RF territory of contactless card reader, even if host's equipment (as mobile phone) does not have electricity can work yet.
2, ad hoc mode (P2P mode): this pattern and infrared ray are similar, can be used for exchanges data, just transmission range is shorter, and transmission creates speed, transmission speed also hurry up, (bluetooth is also similar) low in energy consumption.Two are possessed the linking of devices of NFC function, data point-to-point transmission can be realized, as down-load music, exchange picture or synchronizer address book.Therefore by NFC, multiple equipment as digital still camera, PDA, can swap date or service between computing machine and mobile phone.
3, card reader pattern (Reader/writer mode): use as contactless card reader, such as read relevant information from placard or Exhibition Information electronic tag.
The present invention is applied to mobile payment field, and the effect that described equipment plays is exactly a POS in fact, and therefore, its mode of operation taked is card reader pattern.
In addition, described NFC antenna is connected with described NFC chip, and what its coiler part adopted is the metal wound wire circle of one group of annular, is launched or Received signal strength, namely for the NFC device interactive information with outside by it.
Above-mentioned explanation and Fig. 1 part be the formation describing each function sub-modules in equipment roughly and annexation just, but in the declaratives below to complete payment flow, can the function that plays in whole payment flow of the above-mentioned each function sub-modules of explanation of composition graphs 3 more system.
In order to embody the embodiment of the present invention more intuitively, Fig. 2 shows a kind of possible outward appearance of the wearable mobile payment device that the embodiment of the present invention provides, its shape is similar to a kind of watch, can be worn in wrist, it should be noted that, the above-mentioned baseband chip that relates to and wireless communication module do not embody in this figure, but this does not obviously affect the understanding of the technical scheme for the embodiment of the present invention.
As can see from Figure 2, NFC chip 2 is arranged in the housing 1 of equipment, NFC antenna 3 is then that a kind of toroidal form is arranged in described housing 1, and adopt such design form, coil can press close to outside non-contact card or other NFC device more easily, is conducive to the transmission performance and the efficiency that improve coil.
In addition, above-mentioned housing 1 is also provided with input-output device 4, yes for input equipment in order to initiate payment request, and output device is then the various information for showing in payment process.Concrete, described input-output device 4 can be a kind of touch display screen.
In order to protect above-mentioned each functional module or circuit, above-mentioned housing 1 can adopt a kind of insulating material being suitable for wearing outdoor to make, and because this kind of material is a lot, therefore not to repeat here.
The embodiment of the present invention also provides the method for payment of described equipment, please refer to Fig. 3, it illustrates the process flow diagram of described method of payment, comprises the following steps:
Step S101, submission pay request.
Concrete process can be: first by information such as the touch-screen input dealing money on equipment, then " submission " is clicked, baseband chip reaches NFC chip by after information processing, and described NFC chip starts reader operating mode, and driving N FC antenna transmission goes out request signal.
Step S102, acquisition bank transaction information needed.
Described information spinner will refer to as realizing Successful Transaction and required bank account information, as Routing Number, bank's card number, name etc. of opening an account, these information can be provided by the bank IC card of noncontact class, or the smart machine being integrated with NFC function by other provides, the widespread use of current this kind of smart machine, common such as some smart mobile phones.It should be noted that, the inside of above-mentioned IC-card or smart machine is all provided with NFC chip and antenna, and the mode of operation that it is taked is all above-mentioned mode card.
The concrete process of above-mentioned steps S102 can be: after the NFC antenna of above-mentioned IC-card or smart machine receives the request signal that in described step S101, NFC antenna sends, the above-mentioned information needed mentioned is returned to the NFC antenna of described equipment by its NFC chip again by NFC antenna.
Step S103, by cordless communication network by described information transmission to bank data centers.
Concrete process can be: the information that in above-mentioned steps S102, last NFC antenna receives, after NFC chip and baseband chip process, wireless communication module again by being connected, namely the data center of associated bank is issued by cordless communication network, described cordless communication network can be the one wherein such as WIFI, GPRS, 3G, LTE, and concrete can according to actual conditions from main separation.
Step S104, bank data centers carry out account's operation to account No..
Concrete process can be: after bank data centers receives the transaction request in above-mentioned steps S103, according to the Transaction Information in request, can start progressively to carry out account's authentication and the work such as to deduct fees, and result is returned to equipment.Baseband chip in equipment carries out next step process again according to the result that returns.Described result comprises failed authentication, deduct fees failure and three kinds of results such as successfully of deducting fees.If account's failed authentication or cause deducting fees unsuccessfully because of reasons such as account balance are not enough, then demonstrate information such as " Fail Transactions " by output devices such as above-mentioned display screens, and prompting " again requests transaction ", if " determined ", namely again step S101 is entered, otherwise, then for abandoning this time transaction.If deduct fees successfully, then show information such as " Transaction Success ".
Step S105, the smart machine of above-mentioned contactless IC card or integrated NFC function is carried out to the write operation of bank's result.
Detailed process can be: bank's result that NFC chip transmits according to baseband chip, start card reader pattern, driving N FC antenna sends signal, equally, the NFC antenna of the smart machine of above-mentioned contactless IC card or integrated NFC function receives this signal, its NFC chip carries out write operation according to this signal to the bank account information stored in card or smart machine again, and described write operation can be amendment account balance or add transaction record etc.
As can be seen from the explanation of above technical scheme, by by NFC function i ntegration in the intelligent communication device of this Wearable, the radio communication function utilizing equipment itself to have communicates with bank data centers, become a micro radio POS easy to carry, and the bipartite data message of transaction is transmitted by this safe near-field communication passage of NFC, can say, pay with really having accomplished safe and convenient.These reduce the various doubts of people to this emerging modes of payments of mobile payment all undoubtedly, are conducive to the universal of mobile payment and promote.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.For device disclosed in embodiment, because it corresponds to the method disclosed in Example, so description is fairly simple, relevant part illustrates see method part.
It will be understood by those skilled in the art that and any one in much different technique and technology can be used to represent information, message and signal.Such as, the message mentioned in above-mentioned explanation, information can be expressed as voltage, electric current, electromagnetic wave, magnetic field or magnetic particle, light field or more combination in any.
Professional can also recognize further, in conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
One of ordinary skill in the art will appreciate that all or part of flow process realized in above-described embodiment method, that the hardware that can carry out instruction relevant by computer program has come, described program can be stored in a computer read/write memory medium, described program, when performing, can comprise the flow process of the embodiment as above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory, ROM) or random store-memory body (Random Access Memory, RAM) etc.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.

Claims (8)

1. a wearable mobile payment device, described equipment is the smart machine with baseband chip and wireless communication module, comprises apparatus body, it is characterized in that, is also provided with near-field communication NFC chip and NFC antenna in described body, wherein:
Described NFC chip is connected with described baseband chip, launches or Received signal strength for driving described NFC antenna;
Described NFC antenna is connected with described NFC chip, for the NFC device interactive information with outside.
2. mobile payment device according to claim 1, is characterized in that, described body is provided with input-output device, is connected with described baseband chip, for inputting the request of payment and display payment information.
3. mobile payment device according to claim 2, is characterized in that, described input-output device is touch display screen.
4. mobile payment device according to claim 1, is characterized in that, the wireless network type of described wireless communication module support comprises WIFI network, GPRS networking, 3G network and LTE network.
5. the mobile payment device according to Claims 1 to 4 any one, is characterized in that, the exterior contour of described body is the watch shape that may be worn in wrist.
6. mobile payment device according to claim 5, is characterized in that, the shell of described body is that insulating material is formed.
7. a method of payment for the mobile payment device described in claim 1 to 6 any one, is characterized in that, described method of payment comprises the following steps:
A, submission pay request;
B, acquisition bank transaction information needed, described information is provided by the smart machine feedback of contactless IC card or integrated NFC function;
C, by cordless communication network by described information transmission to bank data centers;
D, bank data centers carry out account's operation according to described information to account No., and result is fed back to equipment;
E, the smart machine of contactless IC card or integrated NFC function is carried out to the write operation of bank's result.
8. method of payment according to claim 7, is characterized in that, described cordless communication network comprises WIFI network, GPRS networking, 3G network and LTE network.
CN201310393184.8A 2013-09-02 2013-09-02 Wearable mobile payment equipment and payment method Pending CN104424696A (en)

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CN105361368A (en) * 2015-11-25 2016-03-02 贾晓轻 Intelligent bracelet
CN105761073A (en) * 2016-01-29 2016-07-13 广东小天才科技有限公司 Mobile payment method and device based on wearable device
CN106108866A (en) * 2016-06-08 2016-11-16 瑞安市智造科技有限公司 A kind of school Intelligent bracelet
CN106339866A (en) * 2015-07-07 2017-01-18 恩智浦有限公司 Relay device
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CN107909365A (en) * 2017-10-10 2018-04-13 上海羲和位寻网络有限公司 A kind of method of payment and system based on NFC, intelligent wearable device and service terminal
CN113452415A (en) * 2021-06-25 2021-09-28 北京华大智宝电子***有限公司 Information display device and method
CN113784355A (en) * 2021-09-10 2021-12-10 中国银行股份有限公司 Account security guarantee method and device
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CN106339866A (en) * 2015-07-07 2017-01-18 恩智浦有限公司 Relay device
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CN107784497A (en) * 2017-11-22 2018-03-09 出门问问信息科技有限公司 NFC payment and wearable device based on wearable device
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CN113452415A (en) * 2021-06-25 2021-09-28 北京华大智宝电子***有限公司 Information display device and method
CN113784355A (en) * 2021-09-10 2021-12-10 中国银行股份有限公司 Account security guarantee method and device
CN113784355B (en) * 2021-09-10 2024-02-23 中国银行股份有限公司 Account security guarantee method and device

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