CN108537527A - Payment system and method for payment - Google Patents
Payment system and method for payment Download PDFInfo
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- CN108537527A CN108537527A CN201810296495.5A CN201810296495A CN108537527A CN 108537527 A CN108537527 A CN 108537527A CN 201810296495 A CN201810296495 A CN 201810296495A CN 108537527 A CN108537527 A CN 108537527A
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- 238000000034 method Methods 0.000 title claims description 21
- 238000012546 transfer Methods 0.000 claims abstract description 12
- 238000004891 communication Methods 0.000 claims description 7
- 238000012795 verification Methods 0.000 claims description 5
- 238000003860 storage Methods 0.000 claims description 2
- 230000000694 effects Effects 0.000 abstract description 4
- 238000010586 diagram Methods 0.000 description 8
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 238000009434 installation Methods 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 230000026676 system process Effects 0.000 description 2
- 230000005856 abnormality Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000004080 punching Methods 0.000 description 1
- 239000004065 semiconductor Substances 0.000 description 1
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Abstract
The invention discloses a kind of payment systems, including mobile handheld terminal, payment services system, banknote service system and message push system, the account of the mobile handheld terminal is phone number, and phone number is the financial account number of mobile handheld terminal holder, and mobile handheld terminal is starting payment request, payment services system is handled to the payment request to mobile handheld terminal, pays mobile handheld terminal and payment information is uploaded to banknote service system；Banknote service system forms banknote code, is sent to other mobile handheld terminals to handle the payment information；The effect that money is sent out to other side can be completed in the present invention as to other side's text message, and more people even countless human hair money can be disposably given by message push system, realize that short message channel and other information channel can act as the channel of fund transfer.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the field of network payment, in particular to a payment system and a payment method.
[ background of the invention ]
The shopping mode based on the network platform is generally accepted by consumers, so that online payment becomes a main payment means of people, the current internet is developed and evolved to step into the era of mobile internet, and the online payment through a mobile handheld terminal such as a smart phone is greatly developed.
At present, the payment method through the smart phone mainly comprises the following schemes:
1. the method is characterized in that the internet payment mode of a PC (personal computer) is copied to the mobile phone, so that not only are the steps complicated, but also bank account numbers of two parties need to be remembered, and various complicated verifications are carried out, and the operating systems and the operating modes of various mobile phones are greatly different, so that the difficulty of payment by a user using a mobile handheld terminal is greatly increased, and a lot of people abandon the use of the mobile handheld terminal of the smart phone for payment.
2. Through the mode of implanting NFC chip and financial card on smart mobile phone, become a wallet with smart mobile phone, when paying, provide corresponding receiver by the merchant, the buyer holds smart mobile phone and accomplishes "the action of punching the card", realizes convenient payment, though this kind of mode need not input the bank account number that is difficult to remember, but needs other hardware equipment except smart mobile phone can accomplish the transaction.
3. The other method is that the card reader is inserted into an earphone jack of the mobile phone, and a payment application program is installed on the mobile phone, so that the mobile phone is extended into a 'POS machine', and the payment is finished by swiping the card on the mobile phone.
The above prior art schemes all have a common problem, namely that transfer or payment can only be realized for one payee in each payment, and batch or multi-person transfer operation cannot be performed, and in some occasions, when one party pays for the other party or sends money, the operation needs to be performed one by one.
[ summary of the invention ]
In order to solve the above problems, the present invention provides a payment system, which comprises a mobile handheld terminal, a payment service system, a bill service system and a message push system, wherein an account number of the mobile handheld terminal is a mobile phone number, which is a financial account number of a holder of the mobile handheld terminal, wherein,
the mobile handheld terminal is used for starting a payment request, sending the payment request for paying to at least one other mobile handheld terminal to a payment service system associated with an account number of the mobile handheld terminal, generating a bank note code generated by a bank note service system into an instant message and sending the instant message to the mobile handheld terminal, wherein the bill amount on the bank note code is randomly selected by a holder of the mobile handheld terminal starting the payment request;
the payment service system is used for processing the payment request of the mobile handheld terminal, paying the payment request to the mobile handheld terminal and uploading payment information to the banknote service system;
the bank note service system is used for processing the payment information to form a bank note code and sending the bank note code to other mobile handheld terminals;
the message pushing system is used for sending the instant messages paid by the mobile handheld terminals to the other mobile handheld terminals.
Furthermore, the message pushing system is a cluster consisting of a plurality of servers and sends messages to be pushed to other mobile handheld terminals according to instructions and protocols.
Further, the pushed message is realized through a short message communication channel or other information channels.
Further, the mobile hand-held terminal comprises a payment request unit and a message generation unit, wherein,
the payment request unit is used for sending request information for paying to the mobile handheld terminal to a payment service system associated with the account number;
the message generating unit is used for sending the message of payment completion to the mobile handheld terminal.
Furthermore, the account numbers of the other mobile handheld terminals are provided with special instant messaging software or can receive the information sent by the mobile handheld terminals without installation.
Further, the special instant messaging software is the software with you.
Further, the mobile handheld terminal further comprises a verification unit for verifying the payment action initiated by the payment request unit.
Further, the information of the payment request comprises payment amount and a mobile phone number of the mobile handheld terminal.
Further, the payment request unit includes a payee module and an amount input module, wherein,
the payee module is used for inputting account information of the mobile handheld terminal;
the amount input module is used for inputting the amount of payment.
Further, the payment request unit further includes an account information module, configured to display current balance information of the account or display an amount remaining after the payment amount is input.
Further, the payment request unit also comprises an image display module which is used for displaying the bill code ticket amount to be paid to the mobile handheld terminal.
Furthermore, the account of the mobile handheld terminal can be an account of other communication tools such as an email box, instant messaging and the like besides a mobile phone number.
The invention also discloses a payment method, which comprises the following steps:
the mobile handheld terminal starts a payment request and sends the payment request which is paid to the mobile handheld terminal to the payment service system;
the payment service system processes the payment request of the mobile handheld terminal, pays the payment request to the mobile handheld terminal and uploads payment information to the banknote service system;
the bill service system processes the payment information to form a bill code, and sends the bill code to the mobile handheld terminal;
the mobile handheld terminal generates an instant message from the bank note code generated by the bank note service system and sends the instant message to the mobile handheld terminal through the message pushing system.
Further, the mobile handheld terminal specifically comprises the steps of:
a payment request step: sending a payment request to a payment service system associated with the account according to the request information paid to the mobile handheld terminal;
a message generation step: and sending the message of payment completion to the mobile handheld terminal.
Further, the method also comprises the step of verifying the payment action initiated by the payment request step.
Compared with the prior art, the payment system and the payment method provided by the invention have the following beneficial effects:
1. the payment can be finished without remembering and inputting the bank account number of the user and the bank account number of the opposite side, so that the technical difficulty of the user is greatly reduced, and the payment is easy and quick;
2. the effect of sending money to the opposite side can be achieved like sending a short message to the opposite side, money can be sent to many people or even countless people at one time through the message pushing system, and especially when friends meet, one person needs to pay for many people, or when many people are sent money, only one short message is needed to pay for the people easily and conveniently.
[ description of the drawings ]
FIG. 1 is a schematic diagram of a payment system architecture according to an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a mobile handset according to an embodiment of the invention;
FIG. 3 is a schematic diagram of an interface displayed by a payment request unit of a mobile handset according to an embodiment of the invention;
FIG. 4 is a payment flow diagram of a payment system of an embodiment of the present invention;
fig. 5 is a schematic diagram of the mobile handheld terminal receiving money sent by the mobile handheld terminal according to the embodiment of the invention. Detailed Description
[ detailed description ] embodiments
The following describes the mobile handheld terminal, the payment system and the payment method in further detail with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a schematic view of a payment system structure according to an embodiment of the present invention, and the embodiment discloses a payment system, which includes a mobile handheld terminal 1, a payment service system 2, and a banknote service system 3, wherein the mobile handheld terminal is configured to start a payment request, that is, start a payment request unit 11 in the mobile handheld terminal 1, and send a payment request for paying to another mobile handheld terminal 5 to a payment service system 2 associated with an account thereof.
The payment service system 2 processes the payment request initiated by the payment request unit 11 in the mobile handheld terminal 1, transfers the payment to another mobile handheld terminal 5 specified in the payment request 11, and uploads the payment information to the bill service system 3.
The bank note service system 3 processes the payment information to form a bank note code, the bill amount on the bank note code is selected by the holder of the mobile handheld terminal starting the payment request at will, the bank note code is subjected to various encryption processes, contains various payment information of both parties in the payment, and then is sent to the mobile handheld terminal.
The mobile handheld terminal 1 generates an instant message from the banknote code generated by the banknote service system 3, at this time, the user only needs to do a sending action to send the instant message of the completed payment to another mobile handheld terminal 5, and the user of another mobile handheld terminal 5 can immediately receive the money sent to him by the mobile handheld terminal 1. Besides the instant message sending such as short message, the method can also be sent in other information channel modes and can be used as a channel for fund transfer.
The instant message sent by the mobile handheld terminal 1 to the other mobile handheld terminal 5 is sent out through the message pushing system 4, the payment request initiated by the mobile handheld terminal of the message pushing system can be processed in batch, the instant message can be sent to accounts of a plurality of payees at one time, and money can be sent to a plurality of people or even countless people at one time through the message pushing system.
Further, the message pushing system 4 is a cluster formed by a plurality of machines in a background, and can automatically send a message to any one mobile handheld terminal, or send an instruction from the mobile handheld terminal 1 to the message pushing system 4, and the message pushing system sends the content to be pushed to one or more other mobile handheld terminals according to the instruction and protocol.
Referring to fig. 2 in combination with other diagrams, fig. 2 is a schematic structural diagram of a mobile handheld terminal according to an embodiment of the present invention, where the mobile handheld terminal 1 includes a payment request unit 11 and a message generation unit 12, and in a normal situation, an account of the mobile handheld terminal 1 needs to be bound with a bank account, so that when the mobile handheld terminal is used for payment, the bank account bound for payment is started to complete an actual payment function. Of course, an independent account can be maintained, and the account itself has a storage function.
The payment request unit 11 is configured to send a payment request to the payment service system 2 associated with the account for requesting information for paying to another mobile handheld terminal 5, and after the request is successful, the payment service system notifies the message generating unit 12, and the message generating unit 12 sends a message of completing payment to another mobile handheld terminal 5, thereby completing the payment operation.
In general, for a small amount of payment, or a background server system associated with the mobile handheld terminal 1 recognizes that the mobile handheld terminal 1 and another mobile handheld terminal 5 often pay, and determines that the another mobile handheld terminal 5 is a reliable friend relationship or a trusted party, it is not necessary to set a password, thereby simplifying the payment operation and facilitating the use of the user, and the mobile handheld terminal 1 can be considered to be provided with the verification unit 13, for verifying each payment action initiated by the payment request unit to pay, or popping up the verification unit 13 when an abnormality occurs, and authenticating the operation, for example, when the background server system finds that the transaction between the mobile handheld terminal 1 and the other mobile handheld terminal 5 occurs frequently within a certain period of time, or the payment amount is obviously too large, and the like.
In this embodiment, the account of the mobile handheld terminal 1 is a mobile phone number, the mobile phone number is a financial account of a holder of the mobile handheld terminal, and the mobile phone number is a wallet cash account. When the account number of the mobile hand-held terminal is a mobile phone number, when the mobile hand-held terminal is used, the mobile phone is bound with the bank account number of a user using the mobile phone, the user can send money to the opposite side only by knowing the mobile phone number of the opposite side, any mobile phone with the mobile phone number is a cash account by default, collection can be carried out without opening the account, and a lengthy bank card number does not need to be memorized. If the mobile phone number of the opposite side is stored in the mobile phone address book, the user only needs to select, if the mobile phone number of the opposite side is not stored, the mobile phone number of the opposite side only needs to be input, the payment request unit 11 of the mobile handheld terminal is started, after the payment is completed, a short message is immediately generated and sent to the opposite side, and therefore the payment operation (sending money to the opposite side) can be completed by sending the short message.
In addition to the mobile phone number, the account number can be replaced by an account number of other communication tools such as an email address and instant messaging, when the account number is another account number such as an instant messaging tool, the virtual bill face amount belonging to the attribute of the account number or the real bill amount corresponding to the virtual bill (for example, you's money exclusive to your software) is directly paid to the corresponding account number of another mobile handheld terminal 5, and the other mobile handheld terminal 5 can be exchanged into the corresponding real bill value. If you are you, or the account of the other handheld terminal 5 is provided with special instant messaging software, the account can receive the information sent by the mobile handheld terminal without installation, and payment can be completed when the information is received.
Referring to fig. 3, fig. 3 is a schematic view of an interface displayed by a payment request unit of a mobile handheld terminal according to an embodiment of the present invention, where the payment request unit includes a payee module and an amount input module. The payee module is used for inputting account information of the mobile handheld terminal and selecting a certain user in the mobile phone address book as shown in' send out bank note: plum four', namely, money can be given to plum four selectively. Or directly key in the mobile phone number of a certain person.
The amount input module is used to input the amount of payment, see the lower part shown in fig. 3, i.e., the amount to be transferred to the other party. In order to be more convenient for the user to know the amount of money of the account when transferring money. An account information module may also be configured to display current balance information of the account or display an amount remaining after the payment amount is input, where the balance shown in fig. 3 is 1000.00 yuan, which indicates that the user still has a balance of 1000 yuan available at present.
Further, in order to better improve the user experience and increase the use pleasure of the user, the payment request unit further comprises an image display module which is displayed at the middle position of fig. 3 and is used for displaying the bill code bill surface amount to be paid to the mobile handheld terminal.
Certainly, the account number of the mobile handheld terminal is not limited to a mobile phone number, for example, the account number of the mobile handheld terminal is set as an instant messenger, the instant messenger is bound to a bank, the instant messenger is started to pay for a friend of the instant messenger or a certain instant messenger account number, the technical scheme of the instant messenger is similar to the implementation manner of the mobile phone number in the embodiment, and for technical personnel in the technical field, the implementation can be appropriately changed according to the technical scheme of the embodiment, and detailed description is omitted here.
Referring to fig. 4, fig. 4 is a payment flow chart of the payment system according to the embodiment of the present invention, which includes the following specific steps:
s11: the mobile handheld terminal 1 starts a payment request and sends the payment request to the payment service system 2 to be paid to another mobile handheld terminal 5;
S12-S13: the payment service system 2 processes the payment request of the mobile handheld terminal 1, transfers the payment request to another mobile handheld terminal 5, and the mobile handheld terminal 1 uploads the payment information to the banknote service system 3 after the payment request is completed;
s14: the bill service system 3 processes the payment information to form a bill code, and sends the bill code to the mobile handheld terminal 1;
s15: the mobile handheld terminal 1 generates an instant message from the banknote code generated by the banknote service system and sends the instant message to the mobile handheld terminal through the message pushing system.
S16: interface drawing of banknote style: and pulling down various banknote templates with different styles from the banknote service system 3 on the interface of the mobile handheld terminal 1 for drawing the ticket surface of the formed final banknote.
Referring to fig. 5, fig. 5 is a schematic diagram of another embodiment of the present invention showing that the mobile handset 5 receives money sent by the mobile handset 1, and the steps are as follows:
s21: the mobile handheld terminal 1 sent by the message pushing system 4 sends an instant message of money to the other mobile handheld terminal 5;
s22: another mobile hand-held terminal 5 receives the instant message, and acquires the bill style and data from the bill service system 3 according to the bill code contained in the instant message;
s23: in summary, the other mobile handheld terminal 5 clicks and opens the bank note, the payment system and the related payment method can complete the operation without remembering and inputting the bank account number of the user and the bank account number of the opposite party, so that the technical difficulty of the user is greatly reduced, and the payment is easy and quick. The effect of sending money to the opposite party can be finished just by sending a short message to the opposite party, and the effect of sending money to the opposite party can be finished just like sending a short message to the opposite party. And can give many people or even countless people money through the message push system once only, especially when the friend meets, one person need pay many people, or give many people money when, only need a SMS can easily pay for them conveniently.
It will be apparent to those skilled in the art that various changes and modifications may be made in the invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (16)
1. A payment system is characterized by comprising a first mobile handheld terminal, a payment service system, a banknote service system and a message pushing system, wherein an account number of the first mobile handheld terminal is a communication tool account number; the communication tool account is a financial account of the holder of the first mobile handheld terminal; wherein,
the first mobile handheld terminal is used for sending a payment request to a payment service system associated with an account number of the first mobile handheld terminal, wherein the payment request is used for paying to at least one second mobile handheld terminal, receiving the banknote code sent by the banknote service system, generating an instant message from the banknote code, and sending the instant message to the at least one second mobile handheld terminal; the nominal amount of the banknote code is selected by the holder of the first mobile handheld terminal;
the payment service system is used for carrying out transfer operation according to the payment request so as to pay to the at least one second mobile handheld terminal, and uploading payment information of the transfer operation to a banknote service system;
the bill service system is used for generating a bill code according to the payment information and sending the bill code to the first mobile handheld terminal;
the message pushing system is used for sending the instant message sent by the first mobile handheld terminal to the at least one second mobile handheld terminal.
2. The payment system as recited in claim 1, wherein the message push system is a cluster of a plurality of servers for sending the instant message to be sent to the at least one second mobile handheld terminal according to instructions and protocols.
3. The payment system of claim 2, wherein the sent instant message is implemented through a short message communication channel or other information channel.
4. The payment system according to claim 1, wherein the first mobile handheld terminal comprises a payment request unit and a message generation unit; wherein,
the payment request unit is used for sending the payment request to the payment service system;
the message generating unit is used for receiving the banknote code sent by the banknote service system and sending a message of payment completion to the at least one second mobile handheld terminal, wherein the message of payment completion comprises the banknote code.
5. The payment system of claim 1 wherein the second mobile hand-held terminal is equipped with instant messaging software for receiving the instant message.
6. A payment system as recited in claim 5, wherein the instant messaging software includes your software.
7. The payment system of claim 1, wherein the payment request carries a payment amount to be paid to the at least one second mobile handheld terminal and an account number of the second mobile handheld terminal.
8. The payment system as recited in claim 4, wherein the payment request unit includes a payee module and an amount input module; wherein,
the payee module is used for inputting an account number of the second mobile handheld terminal;
and the amount input module is used for inputting the payment amount paid to the at least one second mobile handheld terminal.
9. The payment system as recited in claim 8, wherein the payment request unit further comprises an account information module, configured to display current amount information of an account of the first mobile handheld terminal or remaining amount information after the payment amount is input.
10. A payment system as claimed in claim 8 or 9, wherein the payment request unit further comprises an image display module for displaying a virtual banknote face of the payment amount.
11. The payment system of claim 1, wherein the first mobile handheld terminal further comprises a verification unit configured to verify the payment request.
12. The payment system of claim 1, wherein the account number of the first mobile handheld terminal is a communication tool account number, and comprises at least one of the following account numbers:
the telephone number of the first mobile handheld terminal;
an electronic mailbox of the holder; and
the instant messaging account of the holder.
13. The payment system of claim 1,
the financial account number has a storage function; or
And the financial account number is bound with a bank account number of the holder of the first mobile handheld terminal.
14. A payment method, comprising:
the method comprises the steps that a first mobile handheld terminal sends a payment request to a payment service system associated with an account number of the first mobile handheld terminal, the payment request is used for paying to at least one second mobile handheld terminal, so that the payment service system can perform transfer operation according to the payment request to pay to the at least one second mobile handheld terminal, and payment information of the transfer operation is uploaded to a bank note service system, so that the bank note service system can generate a bank note code according to the payment information;
the first mobile handheld terminal receives the banknote code sent by the banknote service system;
and the first mobile handheld terminal generates an instant message from the bank note code, and sends the bank note code to the at least one second mobile handheld terminal through the instant message by the message pushing system.
15. A payment method as recited in claim 14, further comprising:
and the first mobile handheld terminal verifies the payment request.
16. A payment method, comprising:
the payment service system receives a payment request sent by a first mobile handheld terminal, wherein the payment request is used for paying to at least one second mobile handheld terminal;
the payment service system performs transfer operation according to the payment request so as to pay to the at least one second mobile handheld terminal;
and the payment service system uploads the payment information of the transfer operation to a banknote service system so that the banknote service system generates a banknote code according to the payment information and sends the banknote code to the first mobile handheld terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810296495.5A CN108537527A (en) | 2013-11-14 | 2013-11-14 | Payment system and method for payment |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810296495.5A CN108537527A (en) | 2013-11-14 | 2013-11-14 | Payment system and method for payment |
| CN201310567484.3A CN104636915A (en) | 2013-11-14 | 2013-11-14 | Payment system and payment method |
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| CN201310567484.3A Division CN104636915A (en) | 2013-11-14 | 2013-11-14 | Payment system and payment method |
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| CN109242472A (en) * | 2018-08-28 | 2019-01-18 | 深圳市必发达科技有限公司 | Wechat barcode scanning mode of payment, storage medium and computer equipment |
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| CN104636915A (en) | 2015-05-20 |
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