CN104537529A - Field off-line payment transaction system and method based on portable terminal universal interface - Google Patents
Field off-line payment transaction system and method based on portable terminal universal interface Download PDFInfo
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- CN104537529A CN104537529A CN201510019943.3A CN201510019943A CN104537529A CN 104537529 A CN104537529 A CN 104537529A CN 201510019943 A CN201510019943 A CN 201510019943A CN 104537529 A CN104537529 A CN 104537529A
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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Abstract
The invention discloses a field off-line payment transaction system and method based on a portable terminal universal interface. In the payment transaction process, a consumer users a portable terminal under the off-line situation, the unique fund payment pay order code information of a platform signature downloaded from a payment platform in advance is transmitted to a consumption payment terminal of a merchant in one direction through a voice frequency earphone interface and other universal interfaces commonly used in a PDA, a POS machine verifies the information authenticity for the payment platform online, the payment platform executes the payment and clearance, and confirmation information is returned to the POS machine. When the field off-line payment transaction system is used for transaction, the PDA does not need to be networked, it is only needed to transmit information to the POS machine in one direction while the POS machine does not need to return transmitted information to the PDA, and the transaction can be achieved by adopting the voice frequency earphone interface arranged in ordinary intelligent terminals. Especially, a password does not need to be input under the situation of frequent micropayment, potential safety hazards caused by revealing of an account and a password of the consumer in the public place are prevented, and the transaction process is convenient and fast.
Description
Technical field
The invention belongs to the mobile payment field of mobile Internet, be specifically related to a kind of on-the-spot offline electronic payment transaction system based on portable terminal device general-purpose interface and method.
Background technology
Cashless payment is a kind of common mode of doing business at society.Usually, consumer participates in by the bank account of businessman or other payment accounts the transaction buying commodity.Process of exchange all needs checking consumer account information and consumption medium bank card or intelligent machine PDA thereof, and the identity of businessman or card swiping terminal POS terminal or amount information are carried out.And when carrying out payment transaction by the way, often need on-the-spot input password in public places, and easily cause the leakage of password, when particularly in life, the little amount of money of frequent generation pays, both loaded down with trivial details, again unsafe hidden danger is brought to the safety of password.
How to avoid payment cipher to reveal the problem causing monetary losses, solving convenience and the agility of recurrent small amount payment, offer convenience as far as possible and safety to consumer, is that described those skilled in the art have problem to be solved.
Summary of the invention
For prior art above shortcomings, the object of this invention is to provide a kind of safe, convenient and efficiently based on on-the-spot offline electronic payment transaction system and the method for portable terminal device general-purpose interface.
Realize above-mentioned purpose, the present invention adopts following technical scheme: a kind of on-the-spot offline electronic payment transaction system based on portable terminal device general-purpose interface, and it is characterized in that, described system comprises: portable terminal device (PDA), consumption terminal (POS) and payment platform;
Described portable terminal device (PDA) is provided with message processing module and audio coding and delivery module, and message processing module realizes the process of user's signature, encryption, verification, payment and the communication information; Described consumption terminal (POS) is provided with data processing module and audio coding and receiver module, and data processing module realizes checking and accepting the process of user's signature, encryption, verification, payment and the communication information, and payment funding voucher coded message stores and process; Described payment platform is provided with special module, the generation of realization and portable terminal device (PDA) and consumption terminal (POS) transaction funds evidence for payment coded message and storage;
Described portable terminal device (PDA) adopts not remote networking online mode (3G, WIFI etc.), and sending payment information scene to consumption terminal (POS) by the general-purpose interface of portable terminal device (PDA), portable terminal device (PDA) and consumption terminal (POS) adopt harmonious interface and codec protocol to enter exchanges data.
The present invention also provides a kind of on-the-spot offline electronic payment method of commerce based on portable terminal device general-purpose interface, adopts above-mentionedly to state on-the-spot offline electronic payment transaction system; Its method of commerce comprises:
Consumer obtains the payment funding voucher coded message of the uniqueness of platform signature from payment platform in advance by portable terminal device (PDA) and is stored in portable terminal device (PDA); During transaction, consumer sends payment funding voucher coded message by audio frequency to POS at the scene by portable terminal device (PDA); Payment funding voucher coded message is sent by network to payment platform after POS signs again; Perform transfer payment clearing after payment platform checking, and return to POS and confirm and feed back consumption terminal (POS) to complete payment transaction process;
Described payment funding voucher coded message by payment platform digital signature, and is uniqueness.
Described payment funding voucher coded message can also with other information such as customer identification, account, the terms of validity, but not be necessary condition.Payment platform can pass through the above-mentioned information of database association.
When consumer and businessman's payment transaction, consumer inputs the amount of money needing to pay on PDA, one or more above-mentioned payment funding voucher coded message can be formed set by PDA program, the interface commonly used by PDA is the audio interface that all has of mobile phone terminal particularly, includes but not limited to carry out circuit wired direct-connected, the infrared external earphone interface plug-in unit of audio conversion, the external earphone interface plug-in unit of audio conversion bluetooth etc. by earphone audio interface.
Be the code/decode format of corresponding interface by above-mentioned convert information, non-networked, scene, uniaxially transmit to the consumption terminal (POS) of the above-mentioned interface of band of businessman.PDA sends and POS receives the harmonious interface of employing and codec protocol.The generation of the audio file with coded message can adopt DTMF or FSK mode or other coded systems, is generated the audio frequency broadcast format of band coded message by Android or the IOS system software commonly used.In addition, when PDA transmits information to POS, loudspeaker, screen bar code/other interface modes such as two-dimension code pattern, NFC can also be selected.
Above-mentioned information generates audio file by software transcoding, the earphone external tapping conventional by PDA and loudspeaker, audio frequency wired connection or sound wave are delivered to POS, therefore system requires greatly to simplify to consumer's terminal device, even if i.e. consumer's just common smart mobile phone, and there is no the intelligent terminal of current still not universal band NFC function, also can realize on-site payment process, greatly improve the general adaptive faculty of system to consumer end.
Meanwhile, because information transmission in flow process is initiated to POS by PDA, only need unidirectional transmission can realize the adequate condition of information transmission and payment.Namely following process is not that necessary condition: POS sends or feedback authorization information to PDA, and transfers to PDA decoding to receive, and this is not necessary condition.Therefore, smart mobile phone end PDA equipment software and hardware is not just high especially to the requirement of the performances such as receives information, analysis, decoding, processing power, and this improves the general adaptive faculty of system to consumer end further.
Compared to existing technology, the present invention has following beneficial effect:
1, the present invention is not by common intelligent mobile phone terminal (but not being very universal NFC mobile phone terminal), the online situation of non-networked realizes cashless payment transaction, because the payment funding voucher coded message transmitted is by payment platform digital signature and various coding, and it is uniqueness.So input identity again by consumer or account password authentification of message becomes many necessary conditions, simultaneously also without the need to networking with payment platform again.In payment process, consumer is without the need in public places without the need to carrying out phone network, without the need in input account password, therefore payment process is convenient especially, also can not bring because inputting the hidden danger and the safety that seems that account password causes personal account password to reveal in public places.There is feature easily and efficiently, solve the problem of the potential safety hazard existed that accesses to your password simultaneously.
When 2, adopting the present invention to conclude the business, PDA is without the need to networking, only need unidirectional to POS transmission information, and POS is without the need to PDA echo-plex information, and the audio earphone interface adopting common intelligent terminal all to possess can realize, not only adapt to most consumers in general, particularly in the frequent small amount payment situation occurred without the need to inputting password, prevent the potential safety hazard that consumer account's password is in public places revealed, and process of exchange is convenient and swift.
3, above-mentioned payment process is specially adapted to the frequent small amount payment situation occurred.
Certainly, in order to prevent payment funding voucher coded message that the mobile phone that brings because of the situation such as lost mobile phone, public use is preserved stolen, need input handset password or other form password or certification, particularly mobile phone store or implement wholesale payment scenarios.Also can report the loss to platform request for funds or freeze after lost mobile phone.
4, when PDA transmits evidence for payment coded message to POS, can transmit one or more evidence for payment coded message, necessarily consumer does not manually input the information such as account password or PDA digital signature.Further, in flow process, above-mentioned information is initiated to POS by PDA, and unidirectional transmission, and not necessarily POS send or feedback to PDA.
Accompanying drawing explanation
Fig. 1 is the structural representation of the on-the-spot offline electronic payment transaction system that the present invention is based on portable terminal device general-purpose interface.
Fig. 2 is the on-the-spot offline electronic payment transaction payment process operation process flow diagram that the present invention is based on portable terminal device general-purpose interface.
Fig. 3 is PDA and POS information communication interface block diagram of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in further detail.
In the present invention, PDA all refers to portable terminal device, such as smart mobile phone, PAD equipment etc.; POS is consumption terminal.
See Fig. 1 and Fig. 3, a kind of on-the-spot offline electronic payment transaction system based on portable terminal device general-purpose interface, comprising: portable terminal device (PDA) (comprising smart mobile phone, PAD equipment etc.), consumption terminal (POS) and payment platform;
Described portable terminal device (PDA) is provided with message processing module and audio coding and delivery module, and message processing module realizes the process of user's signature, encryption, verification, payment and the communication information; Described consumption terminal (POS) is provided with data processing module and audio coding and receiver module, and data processing module realizes checking and accepting the process of user's signature, encryption, verification, payment and the communication information, and payment funding voucher coded message stores and process; Described payment platform is provided with special module, the generation of realization and portable terminal device (PDA) and consumption terminal (POS) transaction funds evidence for payment coded message and storage;
Described portable terminal device (PDA) adopts not remote networking online mode (3G, WIFI etc.), and sending payment information scene to consumption terminal (POS) by the general-purpose interface of portable terminal device (PDA), portable terminal device (PDA) and consumption terminal (POS) adopt harmonious interface and codec protocol to enter exchanges data.
The present invention adopts consumer to use portable terminal device (PDA), network with platform and operate, by authentication software and authentication mechanism, by purchase with cash or transfer accounts, the mode such as credit, payment funding voucher coded message is obtained from payment platform (as bank's platform, Third-party payment platform etc.), and by this information storage on portable terminal device (PDA).
Payment funding voucher coded message represents certain payment amount amount of money, by payment platform digital signature.And every bar information is not identical on platform, there is uniqueness, every bar information has suitable figure place and certain randomness simultaneously, add the precautionary measures of follow-up introduction, the probability of success that the external world feels out the information content is very low-down, be close to unrealistic, to ensure the security of payment information.Certain above-mentioned information is encryption and kept secure at payment platform.
Payment funding voucher coded message to be downloaded by payment platform by certification and encrypted transmission and is held on PDA.These payment funding voucher coded messages can be one or more, and what represent some quantity can payment.
As shown in Figure 2, a kind of on-the-spot offline electronic payment method of commerce based on portable terminal device general-purpose interface, adopts described on-the-spot offline electronic payment transaction system; Its method of commerce comprises:
Consumer obtains the payment funding voucher coded message of the uniqueness of platform signature from payment platform in advance by portable terminal device (PDA) and is stored in portable terminal device (PDA); During transaction, send payment funding voucher coded message by audio frequency to POS at the scene by portable terminal device (PDA); Payment funding voucher coded message is sent by network to payment platform after POS signs again; Perform transfer payment clearing after payment platform checking, and return to POS and confirm and feed back consumption terminal (POS) to complete payment transaction process.Described payment funding voucher coded message by payment platform digital signature, and is uniqueness.
Payment platform generates the payment funding voucher coded message of some in advance, and maintain secrecy deposit.These information are generated by specific random function, every bar information is all unique, every bar information has suitable figure place as more than 120bit, and by payment platform secret key digital signature, these information have attached the information such as principal amount information, the term of validity by after certain rule encoding again, even superpose consumer information again when consumer buys with compensation.Payment platform is by database association consumer and PDA information and business opportunity and POS information, and these information can typing or automated validation generation in advance.
During consumer spending or before consumption, by PDA application software or other network authentication approach, by exchanging with compensation, transferring accounts, credit, even third party's transfer, obtain one or more payment funding voucher coded message, to obtain the evidence for payment of expection amount of funds.This evidence for payment coded message, by certification and encrypted transmission, is downloaded by payment platform and is held on PDA.
There is small amount payment when concluding the business in consumer and businessman, consumer only need input the amount of money needing to pay on PDA, and the payment funding voucher coded message set that one or more of the automatic corresponding above-mentioned amount of money of PDA application program is stored in consumer PDA terminal business sends to POS.Because the payment funding voucher coded message transmitted is by payment platform digital signature and various coding, and be uniqueness, therefore consumer inputs account password in public places, therefore payment process is convenient especially, also can not bring because inputting the hidden danger and the safety that seems that account password causes personal account password to reveal in public places.
When there is wholesale consumption, gesture password can be inputted or other form passwords carry out authentication, the illegal payment risk brought to prevent because because of the situation such as lost mobile phone, public use.
If disbursing funds of consumer's input is greater than the fund that PDA prestores, PDA will remind consumer's insufficient funds, need consumer continue to pay dues at payment platform or abandon payment.If the fund information of consumer's input is less than the amount of money representated by fund coded message optimum combination that PDA is formed automatically, the amount information of consumer's input also will be sent to POS in the lump and upload payment platform by POS, and payment platform the small change operation of follow-up introduction will occur.If the fund of consumer's input can just meet the amount of money representated by fund coded message optimum combination that PDA is formed automatically, then PDA only need transmit payment funding voucher code set information.
Above-mentioned convert information is audio coding information by PDA.The generation of the audio file with coded message can adopt DTMF or FSK mode or other coded systems, is generated the audio frequency broadcast format of band coded message by Android or the IOS system software commonly used.These are loaded with the audio coding information of payment funding voucher coded message, by earphone audio interface, adopt circuit wired direct-connected mode, or the device such as the infrared external earphone interface plug-in unit of audio conversion, the external earphone interface plug-in unit of audio conversion bluetooth sends to POS.Adopt the earphone interface transmission that mobile phone all possesses, even if therefore consumer is common smart mobile phone, if not being with NFC function, also can realizes on-site payment, improving the general adaptability of terminal and consumers' perceptions.
The consumption terminal (POS) of businessman is with the harmonious audio interface of PDA information transmitting, or infrared or blue tooth interface, and corresponding codec protocol.Other aspects as information processing, display and digital encryption deciphering, that networking such as to upload at the content is similar to conventional P OS.Native system POS also can even not need to be with finger-impu system.POS uploads payment platform after above-mentioned information being signed again.
After payment platform receives the payment funding voucher coded message that POS uploads, payment platform is by default signature and database control methods, legal and the validation verification of checking payment funding voucher coded message and POS, capital transfer delivery operation is implemented after confirming, and information feed back is held to POS, to notify that consumer and merchant system pay successfully.
After payment process completes, namely platform processes the fund voucher code information representing fund, and be no longer verified the repeated authentication of the fund voucher code of the completely the same information content, the code information of same fund voucher is so just prevented to be reused and to pay, safeguards system safety of payment.
Payment platform also has the time interval to require to the information verification request from POS terminal, fault-tolerant number of times requires and to measures such as the legitimate verifications of POS, to prevent from illegally souning out and attacking.For the aforementioned situation needing small change mentioned, payment platform will consume the payment funding voucher coded message uploaded automatically, and the difference amount of money is generated a new payment funding voucher coded message and be stored in consumer account, settle accounts the real consumption amount of money to Merchant Account simultaneously.
The code information of fund voucher, consumer/accounts information and business opportunity/POS information due to payment platform database association, therefore consumer and business opportunity can be reported the loss at payment platform by account, reimbursement, blocked funds evidence for payment coding or inquiry payment information, ensured trackability and the security of system of payment system and flow process further.The payment funding voucher coded message that platform also can arrange the storage of classification fund and the sub-account of consuming and correspondence for different industries as public transport, retail shop etc., improves the dirigibility of payment system.
After PDA transmits payment funding voucher coded message to POS, POS, through preliminary check, after adding POS signature and encryption, is uploaded to payment platform according to payment platform communication protocol by networking online mode.
POS band audio input interface, uses and sends corresponding decoding protocol with PDA audio frequency, and other aspects such as information processing, display and digital encryption are deciphered, networked that it is similar to conventional P OS the content such as to upload.Because the payment funding voucher coded message that PDA sends is with information such as principal amount information and signature authentications, consumer or businessman, without the need to inputting account password or principal amount information etc. on POS, greatly simplify delivery operation thus payment process is very convenient.POS also can even not need to be with finger-impu system.
After payment platform receives the payment funding voucher coded message that POS uploads, payment platform is by default signature and database control methods, legal and the validation verification of checking payment funding voucher coded message, capital transfer delivery operation is implemented after confirming, and information feed back is held to POS, to notify that consumer and merchant system pay successfully.
After payment process completes, namely platform processes the fund voucher code information representing fund, and be no longer verified the repeated authentication of the fund voucher code of the completely the same information content, be reused and pay to prevent the code information of same fund voucher, safeguards system safety of payment.
Payment platform also has the time interval to require to the information verification request from POS terminal, fault-tolerant number of times requires and to measures such as the legitimate verifications of POS, to prevent from illegally souning out and attacking.
Payment platform payment data storehouse can associate the code information of fund voucher, consumer/accounts information and business opportunity/POS information, therefore system can realize that consumer is reported the loss by payment platform, reimbursement, freezes or inquire about payment information, payment platform also can realize paying upgrade corresponding association the code information of fund voucher to realize the payment small change operation in payment process.After payment completes, payment platform and businessman can complete the functions such as capital transfer Zhi Fuyu settlement of transactions in batches or in real time.
What finally illustrate is, above embodiment is only in order to illustrate technical scheme of the present invention and unrestricted, although with reference to preferred embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that, can modify to the technical scheme of invention or equivalent replacement, and not departing from aim and the scope of technical solution of the present invention, it all should be encompassed in the middle of right of the present invention.
Claims (5)
1. based on an on-the-spot offline electronic payment transaction system for portable terminal device general-purpose interface, it is characterized in that, described system comprises: portable terminal device (PDA), consumption terminal (POS) and payment platform;
Described portable terminal device (PDA) is provided with message processing module and audio coding and delivery module, and message processing module realizes the process of user's signature, encryption, verification, payment and the communication information; Described consumption terminal (POS) is provided with data processing module and audio coding and receiver module, and data processing module realizes checking and accepting the process of user's signature, encryption, verification, payment and the communication information, and payment funding voucher coded message stores and process; Described payment platform is provided with special module, the generation of realization and portable terminal device (PDA) and consumption terminal (POS) transaction funds evidence for payment coded message and storage;
Described portable terminal device (PDA) adopts not remote networking online mode, and sending payment information scene to consumption terminal (POS) by the general-purpose interface of portable terminal device (PDA), portable terminal device (PDA) and consumption terminal (POS) adopt harmonious interface and codec protocol to enter exchanges data.
2., according to claim 1 based on the on-the-spot offline electronic payment transaction system of portable terminal device general-purpose interface, it is characterized in that, described portable terminal device includes but not limited to smart mobile phone or PAD equipment; Described audio coding and delivery module include but not limited to the wired direct-connected circuit of audio interface, the infrared external interface of audio conversion or audio conversion bluetooth external interface.
3. based on an on-the-spot offline electronic payment method of commerce for portable terminal device general-purpose interface, it is characterized in that, adopt on-the-spot offline electronic payment transaction system as claimed in claim 1 or 2; Its method of commerce comprises:
Consumer obtains the payment funding voucher coded message of the uniqueness of platform signature from payment platform in advance by portable terminal device (PDA) and is stored in portable terminal device (PDA); During transaction, send payment funding voucher coded message by audio frequency to POS at the scene by portable terminal device (PDA); Payment funding voucher coded message is sent by network to payment platform after POS signs again; Perform transfer payment clearing after payment platform checking, and return to POS and confirm and feed back consumption terminal (POS) to complete payment transaction process;
Described payment funding voucher coded message by payment platform digital signature, and is uniqueness.
4. on-the-spot offline electronic payment method of commerce according to claim 3, it is characterized in that, described evidence for payment coded message is obtained from payment platform in advance with compensation by consumer, is pre-stored on portable terminal device (PDA), and information can one or more.
5. on-the-spot offline electronic payment method of commerce according to claim 3, it is characterized in that, when portable terminal device (PDA) sends information, adopt not remote networking online, transmitted by PDA general-purpose interface scene, also can comprise the mode such as screen display one dimension or Quick Response Code, NFC and sound wave.
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| CN105512877A (en) * | 2016-02-24 | 2016-04-20 | 恒宝股份有限公司 | Headset with payment function and payment method |
| CN106779677A (en) * | 2016-11-21 | 2017-05-31 | 深圳付贝科技有限公司 | A kind of method of payment and its device, electronic equipment and payment system |
| CN108229955A (en) * | 2016-12-14 | 2018-06-29 | 阿里巴巴集团控股有限公司 | Method of payment, payment system and payment mechanism |
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| CN104537529B (en) | 2018-04-27 |
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