CN105809429A - Online transaction payment settlement method - Google Patents
Online transaction payment settlement method Download PDFInfo
- Publication number
- CN105809429A CN105809429A CN201610107740.4A CN201610107740A CN105809429A CN 105809429 A CN105809429 A CN 105809429A CN 201610107740 A CN201610107740 A CN 201610107740A CN 105809429 A CN105809429 A CN 105809429A
- Authority
- CN
- China
- Prior art keywords
- module
- payment
- pos
- accordance
- financial card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
-
- 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
- G06Q20/16—Payments settled via telecommunication systems
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention discloses an online transaction payment settlement method. The method is applied to network payment carried out by use of an apparatus which is integrated with a centralized control module, a near-distance communication module, a POS module, a UICC card module and a network communication module and is integrated with financial card payment and settlement. The method comprises the following steps: after a consumer selects goods on an online mall, generating a goods list; according to the goods list, initiating payment; activating the apparatus integrated with the financial card payment and the settlement and sending a payment request thereto, the apparatus integrated with the financial card payment and the settlement generating a POS message which is sent to a POS service provider via a cloud service platform; after the POS service provider finishes settlement through a conventional payment network, returning an electronic payment result; the online mall receiving the electronic payment result and returning an electronic cashier document; and delivering the goods after no errors are checked. By use of the apparatus integrated with the financial card payment and the settlement, the consumer can conveniently carry out online payment when shopping on the online mall, and the security is improved.
Description
Technical field
The invention belongs to payment technical field, be specifically related to a kind of online transaction payment and settlement method.
Background technology
Along with the development of shopping at network and mobile terminal, consumer generally uses mobile terminal to do shopping in online shopping mall.When using the mobile terminal being representative with smart mobile phone to carry out net purchase, because mobile applications and the net purchase Quick Response Code of smart mobile phone exist the risk being maliciously tampered, in net purchase process, the bank card account information about consumer is easily stolen.It addition, use Quick Response Code to there is the payment upper limit when carrying out net purchase, for instance 5000 yuan, bring certain net purchase restriction to consumer.Consumer uses Third-party payment to carry out online payment in online shopping mall, and Third-party payment platform need to obtain bank card information, it is easy to causes bank card information to leak, there is potential safety hazard.
Furthermore, in the magnetic stripe of the bank card of magnetic stripe card form, storage has the accounts information of static state, for instance the information such as bank's card number, effect duration.The bank card information of magnetic stripe card form is once maliciously be stolen, and the accounts information of its static state is it is possible to can be used by repeatedly malice, thus resulting in greater loss to the holder of bank card.
It addition, consumer uses Net silver to pay in online shopping mall, it is common to use the UKey that bank provides ensures safety of payment, and for using smart mobile phone to carry out online payment, often lacks the such effective guarantee means of payment of Ukey.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of online transaction payment and settlement method, the method adopts and integrates financial card paying and the device settled accounts so that consumer carries out online payment easily, and improves the safety of payment process by integrating the bidirectional safe certification between financial card paying and POS module and the POS operator of device that settle accounts.
For solving above-mentioned technical problem, the present invention adopts the following technical scheme that:
A kind of online transaction payment and settlement method, it is applied to use centralized control module, near-field communication module, POS module, UICC card module and network communication module to integrate financial card paying and network payment that the device settled accounts carries out in one, comprises the following steps:
Consumer uses the consumer APP in mobile terminal to generate inventory after the commodity that online shopping mall selects expectation to buy；
Consumer initiates to pay from consumer APP according to inventory；
Consumer uses consumer APP activate the device integrating financial card paying and settle accounts and be sent to pay request, integrating financial card paying and the device settled accounts receives the request of payment and generates POS message, POS message sends to POS operator through cloud service platform；
POS operator receives POS message and after completing by conventional payment settlement on networks, and consumer APP passes through cloud service platform, integrate financial card paying and E-Payment result that the device reception POS operator that settles accounts sends；
Online shopping mall receives the E-Payment result sent of cloud service platform, and to consumer APP return electron cash register document；
After online shopping mall and consumer verification electric cash document is errorless, online shopping mall delivers to consumer according to inventory.
In a preferred embodiment, membership information, coupon information etc. are synchronized to cloud service platform by online shopping mall, and then are synchronized to consumer APP.
In a preferred embodiment, the control module of the described device integrating financial card paying and settle accounts is received from the payment request of outside mobile terminal by near-field communication module and asks forwarding to deliver to POS module payment, UICC card module sends payment labelling by controlling module to POS module, and the reception of POS module generates POS message after paying labelling and sends to POS operator through network communication module, cloud service platform.
In a preferred embodiment, UICC card module is used for storing financial card information, controlling module to receive the payment instruction sent of POS module sending to UICC card module and comprise and pay labelling and generate the payment labelling request of instruction, UICC card module receives and pays labelling request and also generate the payment labelling for paying according to financial card information.
In a preferred embodiment, the POS message that described POS module generates is through controlling module, network communication module, cloud service platform transmission to POS operator, and POS operator returns, to controlling module, the E-Payment result comprising settlement information through cloud service platform, network communication module.
In a preferred embodiment, described financial card information includes original marking and key, and described UICC card module generates according to original marking and key and pays labelling.
In a preferred embodiment, described control module includes micro-control unit, and UICC card module includes usim card element.
In a preferred embodiment, described POS module is provided with computing unit, judges whether to need response to the payment labelling received by computing unit, and the POS message generating correct POS message or mistake is back to control module,
If controlling module to receive correct POS message, this POS message is sent to POS operator by network communication module；
If controlling module to receive the POS message of mistake, UICC card module continues through control module and sends payment labelling to POS module.
In one preferred embodiment, described payment labelling includes original marking part and dynamic random number.
In one preferred embodiment, the several calculating by hashing algorithm according to original marking of described dynamic random is generated.
In one preferred embodiment, described dynamic random number is associated with dynamic time series.
In one preferred embodiment, described original marking is generated by high in the clouds payment services.
In one preferred embodiment, described original marking is generated by high in the clouds payment services notification indicia service provider.
In one preferred embodiment, by high in the clouds payment services, described original marking notifies that on line, Third-party payment platform generates.
In one preferred embodiment, described integrate financial card paying and bidirectional safe certification that the device settled accounts is undertaken between POS module and POS operator by network communication module.
In one preferred embodiment, the described device integrating financial card paying and settle accounts is carried out data transmission with POS operator by cloud service platform.
In one preferred embodiment, described near-field communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
In one preferred embodiment, the described financial card paying that integrates is additionally provided with magnetic field impulse transmitting antenna and/or NFC antenna with the device settled accounts.
In one preferred embodiment, the described financial card paying that integrates is provided with power module with the device settled accounts.
In one preferred embodiment, described network communication module includes modem.
The present invention is adopted to have following beneficial effect:
1, online transaction payment and settlement method of the present invention, adopts what fiscard module and POS module be grouped as one to integrate financial card paying and the device settled accounts, it is possible to make consumer carry out online payment easily；Meanwhile, integrate financial card paying and the device settled accounts can improve the safety of payment process by the bidirectional safe certification between POS module and POS operator.
2, cloud service platform participates in propelling movement and the management of businessman's action message in payment process, enables the customer to enjoy easily in time the activity of businessman.
3, the present invention has stronger safety guarantee, when carrying out online payment, pays identical under its payment upper limit and line, and the online payment restriction that consumer is subject to is less.
4, fiscard module and POS module are become one by the present invention, the POS terminal of trade company converts to the POS module that consumer holds in one's own possession, improves consumer payment safety and convenience.
5, fiscard module and POS module are become one by the present invention, solve the safety problem because traditional POS terminal is caused bank card information to be stolen by malice.
6, the present invention is by arranging the usim card element that safety is higher, it is possible to prevents outside malice from resolving attack, protects data safety.
7, by arranging magnetic field impulse transmitting antenna or NFC antenna so that the embodiment of the present invention integrate financial card paying and the device settled accounts can pay in the POS terminal of trade company, realize slitless connection with the existing independent POS terminal means of payment.
8, self possesses network savvy, after receiving payment request, it is possible to self realize the data transmission between POS operator, it is achieved payment process, convenient and swift.
Accompanying drawing explanation
Fig. 1 is the system architecture diagram of the online transaction payment and settlement method of the embodiment of the present invention；
Fig. 2 is the flow chart of steps of the online transaction payment and settlement method of the embodiment of the present invention；
Fig. 3 be the embodiment of the present invention online transaction payment and settlement method in integrate financial card paying and the theory diagram of device settled accounts；
Fig. 4 is the payment information circulation schematic flow sheet of the device integrating financial card paying in the embodiment of the present invention with settling accounts.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is a part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
With reference to Fig. 1 and Fig. 2, the system architecture diagram of the online transaction payment and settlement method of the embodiment of the present invention and flow chart of steps, it is applied to use centralized control module, near-field communication module, POS module, UICC card module and network communication module to integrate financial card paying and network payment that the device settled accounts carries out in one, specifically includes following steps:
S101, consumer uses the consumer APP in mobile terminal to generate inventory after the commodity that online shopping mall selects expectation to buy.
S102, consumer initiates to pay from consumer APP according to inventory.
S103, consumer uses consumer APP activate the device integrating financial card paying and settle accounts and be sent to pay request, integrating financial card paying and the device settled accounts receives the request of payment and generates POS message, POS message sends to POS operator through cloud service platform.
S104, POS operator receives POS message and after completing by conventional payment settlement on networks, and consumer APP passes through cloud service platform, integrate financial card paying and E-Payment result that the device reception POS operator that settles accounts sends.
S105, online shopping mall receives the E-Payment result sent of cloud service platform, and to consumer APP return electron cash register document.
After S106, online shopping mall and consumer's verification electric cash document are errorless, online shopping mall delivers to consumer according to inventory.
In preferred specific embodiment, in step s 103, adopt the presented below financial card paying that integrates to carry out payment and settlement with the device settled accounts, the POS terminal of trade company is converted to the POS module that consumer holds in one's own possession, improves consumer payment safety and convenience.
nullWith reference to shown in Fig. 3 and Fig. 4，This device 100 integrating financial card paying and settle accounts provided by the invention includes controlling module 101、Near-field communication module 102、POS (PointOfSale) module 103、UICC(UniversalIntegratedCircuitCard，Universal Integrated Circuit Card) card module 104 and network communication module 105，Near-field communication module 102、POS module 103、UICC card module 104 and network communication module 105 are electrically connected in controlling module 101，Coordinate to control UICC card module 104 by controlling module 101、POS module 103、Duty and function between near-field communication module 102 and network communication module 105 set、Adjust.Optionally, near-field communication module 102 is integrate the communication interface between financial card paying and the device settled accounts and the mobile terminal such as personal computer (PersonalComputer is called for short PC) or smart mobile phone.
UICC is the general name of the smart card defining physical characteristic.As important, a moveable ingredient of 3G subscription terminal, the information such as UICC is mainly used in storage user profile, KI, short disappears, way of paying.UICC introduces the concept of multi-application platform, it is achieved that the multichannel mechanism that multiple Logic applications run simultaneously.UICC can include multiple logic module, such as Subscriber Identity Module (SubscriberIdentityModule, SIM), universal subscriber identity module (UniversalSubscriberIdentityModule, USIM), IP multimedia service mark module (IPMultiMediaServiceIdentityModule, and other are such as the non-telecom application module such as electron underwriting authentication, stored value card ISIM),.Logic module in UICC can individualism, it is also possible to multiple exist simultaneously.Different 3G subscription terminals can, according to the type of Radio Access Network, select to use corresponding logic module.
Just utilize below and above-mentioned integrate financial card paying and step that the device 100 settled accounts carries out paying is described in detail.
With reference to shown in Fig. 4, first, user requires over mobile terminal 200 and sends the request of payment, in certain embodiments, mobile terminal 200 can be smart mobile phone, user is generated the request of payment by the consumer APP installed inside smart mobile phone and is transmitted, and payment request can include the every terms of informations such as dealing money, exchange hour, merchant information.nullControl module 101 to be received after the payment request of mobile terminal 200 by near-field communication module 102，Forwarding is asked to deliver to POS module 103 payment，POS module 103 sends payment instruction to controlling module 101 after receiving payment request，UICC card module 104 sends payment labelling by controlling module 101 to POS module 103，POS module 103 receives and generates POS message after paying labelling and send to controlling module 101，POS message is through network communication module 105、Cloud service platform sends to POS operator，POS operator docks with conventional payment network and carries out payment and settlement，Last returned, to network communication module 105, the E-Payment object information comprising settlement information by POS operator through cloud service platform and feed back to control module 101.
Further, controlling module 101 forwards the step delivering to POS module 103 to include the request of payment: after control module 101 receives payment request, first send the request to POS module 103, to wake POS module 103 up, at this, control module 101 can be considered to the payment request that POS module 103 sends and wakes instruction up, POS module 103 returns payment instruction to controlling module 101 afterwards, control the main control chip of module 101 and start to perform trading processing and generation comprises and pays labelling and generate the payment labelling request of instruction and be sent to UICC card module 104, UICC card module 104 sends payment labelling by controlling module 101 to POS module 103.
Further, POS module 103 is provided with computing unit (not marking in figure), judge whether to need response to the payment labelling controlling module 101 transmission by computing unit: if the interior payment rule preset of payment labelling according calculation unit that POS module 103 receives, then computing unit can generate correct POS message and send to controlling module 101, controls module 101 and is sent to POS operator by network communication module 105 by this POS message；If the labelling that pays that POS module 103 receives does not meet the payment rule preset in computing unit, then computing unit can the POS message of generation error sending to control module 101.After controlling the POS message that module 101 receives mistake, may proceed to send payment labelling ask to UICC card module 104, UICC card module 104 sends payment labelling to POS module 103 again by controlling module 101, until POS module 103 generates correct POS message and sends to controlling module 101.In actual payment process, POS module 103 may return the POS message of repeatedly mistake to controlling module 101, therefore control module 101 and may constantly send payment labelling request to UICC card module 104, payment labelling is judged to POS module 103, POS module 103 by controlling module 101 transmission payment labelling and responds POS message correctly or incorrectly to controlling module 101 by UICC card module 104 again.These steps can repeatedly, until generate correct POS message feed back to control module 101.It should be noted that above-mentioned repeatedly and generate and can complete within very short time before and after the step of correct POS message, generally between several milliseconds, the payment therefore having no effect on reality is experienced.
As in figure 2 it is shown, controlling module 101 can be micro-control unit (MicrocontrollerUnit, MCU), UICC card module 104 can be usim card element.Usim card element generally provides with the form of chip, for preventing outside malice from resolving attack, protects data safety, is generally provided with encryption/decryption logic circuit in the chips.Usim card can be used for storing labelling (StaticToken) and key (Key), micro-control unit can send to usim card element and pay labelling request, usim card element receives the labelling request that pays, and adopts certain algorithm to generate the payment labelling for paying according to labelling and key at the control.Pay labelling and mainly comprise two parts data, i.e. mark part and dynamic random number (DynamicRandomNumber) part.For improving the safety paid, the various key elements being favorably improved payment safety can be introduced at dynamic random fractional part.Such as, dynamic random fractional part can calculate generation according to static tay by hashing algorithm；Using dynamic time series as one of reference basis generating payment labelling, the dynamic random fractional part of payment labelling can also be made to be associated with dynamic time series, such that it is able to the potential safety hazard of mark part of preventing to a certain extent.In the present invention one optional embodiment, in UICC card module 104, storage has financial card information, financial card information to include fiscard accounts information, fiscard effect duration information.Such as user can in UICC card module 104 typing bank card information and consumption card information, when paying, bank card namely can be used to carry out direct payment, also can by bind consumption card pay.
Wherein, in usim card, the original marking of storage can be generated by high in the clouds payment services, and high in the clouds payment services are the online service platform of the mobile payment program installed on mobile terminal.Original marking can also be generated by high in the clouds payment services notification indicia service provider (such as bankcard association etc.), then by labelling service provider, the original marking of generation is back to high in the clouds payment services.By high in the clouds payment services, original marking can also notify that on line, Third-party payment platform generates, and is then back to high in the clouds payment services by Third-party payment platform on line by the original marking of generation.Specifically which side generates original marking by, depend on payment account type that user uses (such as bank card account, or hundred pairs of precious accounts, wealth pay the Third-party payment accounts etc. such as logical account, telecommunications wing payment account, the fertile payment account of UNICOM) and each inter-agency business associate pattern.
By near-field communication module 102, integrate financial card paying and the device 100 settled accounts can be connected with mobile terminal 200 by wiredly and/or wirelessly mode, such as, original marking is sent to integrating financial card paying and the device 100 settled accounts by labelling service provider or high in the clouds payment services directly or indirectly by mobile terminal 200.Specifically, near-field communication module 102 can be bluetooth module or Wifi module, the wired or wireless communication modes that can also realize for other modes, by near-field communication module 102 move terminal 200 and integrate between financial card paying and the device settled accounts data transmission time, the transmission of all of data is all through encryption, to prevent information leakage.Further alternative, near-field communication module 102 is support the bluetooth card of 2.4GHz and 5GHz two-band.
In the present invention one optional embodiment, network communication module 105 is modem, coordinate usim card element can be networked by signal base station, and POS message is sent to POS operator, after POS message is processed by POS operator, again through cloud service platform, network communication module 105 feedback electronic payment result to controlling module 101.Network communication module 105 is when sending POS message or receiving payment result, and the transmission of all of data is all through encryption, to prevent information leakage, it is ensured that the safety of userspersonal information.
In the present invention one optional embodiment, when payment and settlement completes, E-Payment result is back to control module 101 by POS operator, result will be paid by mails through near-field communication module 102 and send to mobile terminal display, record and inquiry, and facilitate user to check consumer record on mobile terminals at any time.
In the present invention one optional embodiment, the device 100 integrating financial card paying and settle accounts is provided with a power module (not marking in figure), integrates financial card paying by electric power source pair of module and each electronic component in the device 100 settled accounts is powered.This power module can be aneroid battery or rechargeable battery, by wired or wireless charging, this power module is charged, and also or by directly changing the mode of battery realizes integrating financial card paying and the device 100 settled accounts is powered.
Carry out in the flow process of payment and settlement using the device 100 integrating financial card paying and settle accounts, some checking links can be set, such as, run on mobile terminal application program (as with integrate financial card paying and the corresponding APP of the device settled accounts) time, it is necessary to user inputs password and is verified or uses fingerprint authentication mode；Consumer is set and inputs, at mobile terminal, the link that password carries out paying；Consumer's signature link is set；The link of signature (as checking bank card photo) is checked in setting.
When using the device 100 integrating financial card paying and settle accounts to pay, this integrates financial card paying and the device 100 settled accounts can pass through the bidirectional safe certification that network communication module 105 carry out between POS module 103 and POS operator.Financial card paying and the data interaction settled accounts between device 100 and the POS operator of one can also be transferred by cloud service platform.
The financial card paying that integrates of the embodiment of the present invention can also be simultaneously provided with magnetic field impulse transmitting antenna and NFC antenna with the device 100 settled accounts or individually one of be provided with, it is possible to realize paying either directly through independent POS terminal.Wherein, magnetic field impulse transmitting antenna (such as completes transaction payment for launching magnetic field impulse marking payment labelling to the magnetic head of conventional POS terminals in POS terminal, it is CN104867008A with reference to publication number, name is called the Chinese utility model patent application of method of mobile payment and system thereof under a kind of line), NFC antenna pays message (such as completing transaction payment in the POS terminal with NFC sudden strain of a muscle pair function, NFC pays message and can be generated by fiscard module) for launching NFC to POS terminal.
The bank card independent relative to existing employing is swiped the card the form of payment and settlement in independent POS terminal, of the present invention integrate financial card paying and the device 100 settled accounts by UICC card module (being equal to bank card) and POS module (being equal to POS terminal) and accordingly payment function combine, thus forming knockdown version, substantially increase convenience and the safety of payment and settlement of swiping the card；The present invention can realize the data transmission between self with POS operator by built-in network communication module and exchange simultaneously, need not additionally by the communication tool of other networkings, have only to mobile terminal (such as mobile phone) and send payment request, the step of continuation payment and networking clearing is all completed with the device settled accounts by the financial card paying that integrates provided by the invention, mobile terminal is only used as the carrier sending pay warrant, it is not required to networking, not only increase the safety of payment, also achieve simultaneously and complete to pay and clearing under mobile terminal offline condition.
The financial card paying that integrates used in the embodiment of the present invention can also be simultaneously provided with magnetic field impulse transmitting antenna and NFC antenna with the device settled accounts or individually one of be provided with, wherein, magnetic field impulse transmitting antenna (such as completes transaction payment for launching magnetic field impulse marking payment labelling to the magnetic head of conventional POS terminals in POS terminal, it is CN104867008A with reference to publication number, name is called under a kind of line the Chinese invention patent application of method of mobile payment and system thereof), NFC antenna (such as completes transaction payment for launching NFC payment message to POS terminal in the POS terminal with NFC sudden strain of a muscle pair function, NFC pays message and can be generated by fiscard module).
Additionally, in the online transaction payment and settlement method of the embodiment of the present invention, trade company's POS is a part for trade company's management system, is also integrated with other and is in charge of reason system, for instance membership management system, preferential ticket management system etc. in trade company's management system.On the basis setting up cloud service platform, trade company's management system can be docked with cloud service platform, such as, membership information, coupon information etc. can be synchronized to cloud service platform by trade company's management system, and then be synchronized to consumer APP, so that its relevant information can be checked in consumer APP by consumer.And, when consumer carries out payment and settlement, relevant benefit data can automatically be counted in spending amount to realize trade company or to produce the preferential measures such as first-class spending amount deduction or deduction and exemption by consumer APP.
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive.Although being described in conjunction with the accompanying one or more embodiments of the invention, it should be understood by one skilled in the art that when without departing from the spirit and scope of claims invention defined, it is possible to make the change of various forms and details.
Claims (20)
1. an online transaction payment and settlement method, it is characterized in that, it is applied to use centralized control module, near-field communication module, POS module, UICC card module and network communication module to integrate financial card paying and network payment that the device settled accounts carries out in one, comprises the following steps:
Consumer uses the consumer APP in mobile terminal to generate inventory after the commodity that online shopping mall selects expectation to buy；
Consumer initiates to pay from consumer APP according to inventory；
Consumer uses consumer APP activate the device integrating financial card paying and settle accounts and be sent to pay request, integrating financial card paying and the device settled accounts receives the request of payment and generates POS message, POS message sends to POS operator through cloud service platform；
POS operator receives POS message and after completing by conventional payment settlement on networks, and consumer APP passes through cloud service platform, integrate financial card paying and E-Payment result that the device reception POS operator that settles accounts sends；
Online shopping mall receives the E-Payment result sent of cloud service platform, and to consumer APP return electron cash register document；
After online shopping mall and consumer verification electric cash document is errorless, online shopping mall delivers to consumer according to inventory.
2. in accordance with the method for claim 1, it is characterised in that membership information, coupon information etc. are synchronized to cloud service platform by online shopping mall, and then are synchronized to consumer APP.
3. in accordance with the method for claim 1, it is characterized in that, the control module of the described device integrating financial card paying and settle accounts is received from the payment request of outside mobile terminal by near-field communication module and asks forwarding to deliver to POS module payment, UICC card module sends payment labelling by controlling module to POS module, and the reception of POS module generates POS message after paying labelling and sends to POS operator through network communication module, cloud service platform.
4. according to the arbitrary described method of claims 1 to 3, it is characterized in that, UICC card module is used for storing financial card information, controlling module to receive the payment instruction sent of POS module sending to UICC card module and comprise and pay labelling and generate the payment labelling request of instruction, UICC card module receives and pays labelling request and also generate the payment labelling for paying according to financial card information.
5. in accordance with the method for claim 1, it is characterized in that, the POS message that described POS module generates is through controlling module, network communication module, cloud service platform transmission to POS operator, and POS operator returns, to controlling module, the E-Payment result comprising settlement information through cloud service platform, network communication module.
6. in accordance with the method for claim 4, it is characterised in that described financial card information includes original marking and key, described UICC card module generates according to original marking and key and pays labelling.
7. in accordance with the method for claim 1, it is characterised in that described control module includes micro-control unit, and UICC card module includes usim card element.
8. in accordance with the method for claim 3, it is characterized in that, described POS module is provided with computing unit, judges whether to need response to the payment labelling received by computing unit, and the POS message generating correct POS message or mistake is back to control module
If controlling module to receive correct POS message, this POS message is sent to POS operator by network communication module；
If controlling module to receive the POS message of mistake, UICC card module continues through control module and sends payment labelling to POS module.
9. in accordance with the method for claim 6, it is characterised in that described payment labelling includes original marking part and dynamic random number.
10. in accordance with the method for claim 9, it is characterised in that the several calculating by hashing algorithm according to original marking of described dynamic random is generated.
11. in accordance with the method for claim 9, it is characterised in that described dynamic random number is associated with dynamic time series.
12. in accordance with the method for claim 9, it is characterised in that described original marking is generated by high in the clouds payment services.
13. in accordance with the method for claim 9, it is characterised in that described original marking is generated by high in the clouds payment services notification indicia service provider.
14. in accordance with the method for claim 9, it is characterised in that by high in the clouds payment services, described original marking notifies that on line, Third-party payment platform generates.
15. in accordance with the method for claim 1, it is characterised in that described integrate financial card paying and bidirectional safe certification that the device settled accounts is undertaken between POS module and POS operator by network communication module.
16. in accordance with the method for claim 3, it is characterised in that the described device integrating financial card paying and settle accounts is carried out data transmission with POS operator by cloud service platform.
17. in accordance with the method for claim 1, it is characterised in that described near-field communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
18. in accordance with the method for claim 1, it is characterised in that the described financial card paying that integrates is additionally provided with magnetic field impulse transmitting antenna and/or NFC antenna with the device settled accounts.
19. in accordance with the method for claim 1, it is characterised in that the described financial card paying that integrates is provided with power module with the device settled accounts.
20. in accordance with the method for claim 1, it is characterised in that described network communication module includes modem.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610107740.4A CN105809429A (en) | 2016-02-26 | 2016-02-26 | Online transaction payment settlement method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610107740.4A CN105809429A (en) | 2016-02-26 | 2016-02-26 | Online transaction payment settlement method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105809429A true CN105809429A (en) | 2016-07-27 |
Family
ID=56465912
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610107740.4A Pending CN105809429A (en) | 2016-02-26 | 2016-02-26 | Online transaction payment settlement method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105809429A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106789276A (en) * | 2016-12-27 | 2017-05-31 | 甘肃万维信息技术有限责任公司 | A kind of cloud computing service Mobile Online of store formula provides system |
| CN111541728A (en) * | 2016-09-20 | 2020-08-14 | 徐蔚 | Digital currency payment method and device using payment mark and mobile terminal |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542443A (en) * | 2011-12-02 | 2012-07-04 | 惠州Tcl移动通信有限公司 | Online payment method and corresponding equipment |
| CN104376462A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe code scanning payment method |
| CN105117851A (en) * | 2015-08-31 | 2015-12-02 | 盛世铸成科技（天津）有限公司 | NFC based smart travel system |
-
2016
- 2016-02-26 CN CN201610107740.4A patent/CN105809429A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542443A (en) * | 2011-12-02 | 2012-07-04 | 惠州Tcl移动通信有限公司 | Online payment method and corresponding equipment |
| CN104376462A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe code scanning payment method |
| CN105117851A (en) * | 2015-08-31 | 2015-12-02 | 盛世铸成科技（天津）有限公司 | NFC based smart travel system |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111541728A (en) * | 2016-09-20 | 2020-08-14 | 徐蔚 | Digital currency payment method and device using payment mark and mobile terminal |
| CN111541728B (en) * | 2016-09-20 | 2023-10-10 | 徐蔚 | Payment method and device using payment mark and mobile terminal |
| CN106789276A (en) * | 2016-12-27 | 2017-05-31 | 甘肃万维信息技术有限责任公司 | A kind of cloud computing service Mobile Online of store formula provides system |
| CN106789276B (en) * | 2016-12-27 | 2020-09-08 | 中电万维信息技术有限责任公司 | Mall-type cloud computing service mobile online providing system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10043175B2 (en) | Enhanced near field communications attachment | |
| US8255278B1 (en) | Systems and methods for payment at a point of sale using a virtual check | |
| CN105741099A (en) | Payment clearance method | |
| CN103400461B (en) | The system and method for POS, card business realizing | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| US20220198430A1 (en) | Mid-range reader interactions | |
| CN105590202A (en) | Method and device for carrying out payment by using mobile terminal | |
| CN105608568A (en) | Device integrating functions of finance card payment and settlement and finance card payment and settlement method | |
| CN105631656A (en) | Financial card payment and settlement method under online card consumption mode | |
| CN105809429A (en) | Online transaction payment settlement method | |
| CN104574060A (en) | On-line payment method and system based on NFC token | |
| CN105512876A (en) | Financial card payment and settlement method | |
| CN105787730A (en) | Two-factor authentication mobile payment method in offline card mode and system thereof | |
| KR101250387B1 (en) | Method for Usage Point using Settlement Terminal, Settlement Terminal | |
| CN103714624A (en) | Method, system and server for recharging electronic wallet and recharging operating terminal | |
| CN203366456U (en) | An intelligent financial terminal | |
| CN203366457U (en) | A multifunctional financial terminal | |
| CN105654289A (en) | Double-factor authentication mobile payment method and system | |
| US8430308B2 (en) | Authorizing financial transactions | |
| US10223687B2 (en) | Link of mobile devices to facilitate mobile commerce transactions | |
| CA2950745C (en) | Enhanced near field communications attachment | |
| CN205427933U (en) | Collect fiscard payment and settle accounts in device of an organic whole | |
| CN205334535U (en) | Collect fiscard payment and settle accounts in device of an organic whole | |
| US20140201014A1 (en) | Process for payment by cell phone to a merchant object of the invention | |
| US8616444B2 (en) | Authorizing financial transactions |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20160727 |
|
| WD01 | Invention patent application deemed withdrawn after publication |