CN108921543B - Near field payment terminal, system and method based on mobile phone network - Google Patents
Near field payment terminal, system and method based on mobile phone network Download PDFInfo
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- CN108921543B CN108921543B CN201810568632.6A CN201810568632A CN108921543B CN 108921543 B CN108921543 B CN 108921543B CN 201810568632 A CN201810568632 A CN 201810568632A CN 108921543 B CN108921543 B CN 108921543B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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Abstract
The invention relates to a near field payment terminal, a system and a method based on a mobile phone network, when a user mobile terminal approaches the near field payment terminal, the near field payment terminal acquires a user mobile terminal signal, identifies user identity information, screens a user mobile terminal to be charged according to a preset program, and charges are charged from a user telephone charge account by a mobile phone network operator if the charging condition of the near field payment system is met. Compared with the traditional bank card/electronic wallet account payment, the method, the system and the terminal are more convenient and reliable, a user can pay only by carrying the mobile phone without carrying various bank cards, and the mobile phone does not need to be provided with any hardware device or software application required by the existing near-field payment system.
Description
Technical Field
The invention relates to the field of mobile payment and the field of Internet of things, in particular to a near field payment terminal, a system and a method based on a mobile phone network.
Background
With the development of science and technology, mobile phones have gradually replaced traditional PCs to permeate into various aspects of work, entertainment and life of people, and subversive influence is caused on our lives. The mobile phone becomes an extension 'organ' of modern people, people usually carry the mobile phone with them at any time, and immediately lose the mobile phone number once the mobile phone is lost. The completion of the real-name system of the mobile phone in China ensures that the existing mobile phone network carries out very strict identity authentication procedures on the mobile phone with access, so that the identity of the mobile phone in the mobile phone network is difficult to counterfeit and completely trustable, and the problems that the traditional payment means needs complicated identity authentication, the carrying of a bank card is inconvenient and the opening of APP is excessive are solved.
Disclosure of Invention
The invention aims to provide a near-field payment terminal, a system and a method based on a mobile phone network, so as to realize a near-field payment technology with quick, safe, convenient and fast and high-quality customer experience.
A first object of the present invention is to provide a near field payment method. In order to realize the technical purpose, the invention adopts the following technical scheme:
a near field payment method based on a mobile phone network, comprising:
a user mobile terminal approaches a signal detection area of a near-field payment terminal;
the near field payment terminal acquires a user mobile terminal signal, identifies user identity information, screens the user mobile terminal to be deducted according to a preset program, and if the deduction condition of the near field payment system is met, the mobile phone network operator deducts the fee from a user telephone account.
Furthermore, the preset program screens the mobile terminal of the user to be deducted in a manner that a signal detection device is arranged in the near field payment terminal, the signal detection device acquires parameter information of the user or the mobile terminal of the user, and the mobile terminal of the user to be deducted is screened according to the acquired parameter information.
Further, the signal detection device is one or more of an infrared detection device, a distance sensing device, a video recording device, a sound recording device, a security device, a radar device, an electromagnetic device, a motion induction device, an acoustic device, various ray devices and a spectrum analyzer; the system is used for detecting one or more parameter information of the position of a user, the movement speed of the user, the posture of the user, the body temperature of the user, the distance between a mobile terminal of the user and a near field payment terminal, the signal strength of the mobile terminal of the user, the source of a signal of the mobile terminal, a communication base station of the signal of the mobile terminal, whether the signal of the mobile terminal is communicated, the position relation between the mobile terminal and the user and the orientation of the mobile terminal.
Further, the method further comprises: a user mobile terminal approaches a signal detection area of a near-field payment terminal;
the near field payment terminal screens the mobile terminal of the user to be deducted according to a preset program, and if the deduction condition of the near field payment system is met, the deduction information is displayed on the payment terminal;
the user confirms the displayed fee deduction information;
and the near field payment terminal deducts the fee from the user telephone fee account according to the user feedback information, or re-executes the process of screening the mobile terminal of the user to be deducted.
Further, the method further comprises: if the fee deduction is successful, the mobile terminal network operator informs the mobile terminal user of fee deduction information through a short message of the mobile terminal network; if the fee deduction fails, the payment failure is prompted, and the payment process is executed again. The user can check and maintain the right in the later period according to the fee deduction information as a consumption record and a certificate.
Further, the method further comprises: and after the fee deduction is successful, the near field payment terminal executes a preset command. The preset command refers to various commands required to be executed according to the application scene of the method, for example, when the preset command is applied to a subway gate, the subway gate is opened for a fee deduction user after the fee is successfully deducted, and the user is allowed to pass through.
Furthermore, in the method of the invention, the fee deduction information of the user can be stored in the near field payment terminal and is sent to the merchant management personnel for inquiry through the communication network; the mobile network operator can also send various data, information, suggestions and other information to the merchants according to the requirements submitted by the merchants.
Furthermore, in the method of the invention, the fee is deducted from the telephone account, the merchant must agree with the mobile network operator to settle accounts in advance, a self-set collection application program can be installed in the near field payment terminal, and a corresponding fee deduction rule is set, after the mobile network operator deducts the fee from the telephone account of the user, the fee deduction money is transferred and paid to the account agreed with the corresponding merchant after deducting the commission of the commission fee. The checkout application is bound to the merchant's settlement account. Preferably, the payment receiving application is also bound to the IMEI and/or SIM card and/or telephone number of a designated physical person (e.g., legal representative or financial responsible or CFO) reserved for the merchant for facilitating the acceptance of various data and management of the corresponding account. And finally, the mobile network operator transfers and pays the deduction money to an account agreed with the corresponding merchant after deducting commission fee and the like.
Further, the mobile network operator may provide the subscriber with a certain amount of pre-authorized money for the payment account. The mobile network operator gives a certain amount of credit amount according to the past use experience of the user and the self requirement, so that the inconvenience caused by the arrearage and shutdown of the communication account of the mobile terminal due to payment is prevented, and the user is reminded by a short message.
Further, the method also comprises the following steps: and setting a consumption amount in a preset program of the near-field payment terminal, and if the consumption amount exceeds the consumption amount, informing the user of inputting a verification code by a short message to confirm payment.
Further, providing a merchant information service, inquiring the detected information by a merchant using the near field payment terminal through the near field payment terminal, and submitting a requirement to a mobile phone network operator; and the mobile phone network operator feeds back the required information to the merchant according to the requirements submitted by the merchant. For example, the user fee deduction information can be stored in the near field payment terminal and sent to the merchant manager through the communication network for inquiry.
A second object of the present invention is to provide a near field payment system based on a mobile phone network. The technical purpose is realized by the following technical scheme:
a near field payment system based on mobile phone network comprises a user mobile terminal and a near field payment terminal; the near field payment terminal comprises a communication device and a signal detection device;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device;
the signal detection device comprises a signal receiving unit for receiving signals, a signal determining unit for judging parameters and a signal sending unit for communicating with the communication device;
the communication device receives a signal of the user mobile terminal and identifies user identity information; the signal receiving unit acquires parameter information of a user or a user mobile terminal and sends the parameter information to the signal determining unit, and the signal determining unit screens the user mobile terminal to be deducted according to the acquired parameter information; the signal sending unit sends the screening result of the signal determining unit to the communication device; the communication device communicates with the base station, and the mobile phone network operator deducts the fee from the user telephone fee account of the mobile terminal of the user to be deducted.
Further, the device also comprises a display device;
the signal sending unit sends the screening result of the signal determining unit to the display device to display the information of the deduction account;
the user confirms the information of the deduction account displayed by the display device;
and the signal determining unit confirms the mobile terminal of the user to be deducted or re-executes the process of screening the mobile terminal of the user to be deducted according to the user feedback information.
Further, the device also comprises a command execution unit;
the base station transmits the command of successful fee deduction back to the communication device, the communication device receives the command and sends the command to the command execution unit, and the command execution unit executes a preset command.
Still another object of the present invention is to provide a near field payment terminal based on a mobile phone network, wherein the technical object is achieved by the following technical solutions:
a near field payment terminal based on mobile phone network comprises a communication device and a signal detection device;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device; receiving a user mobile terminal signal and identifying user identity information; and communicating with the base station to deduct the fee from the telephone fee account of the user mobile terminal;
the signal detection device comprises a signal receiving unit, a signal determining unit and a signal sending unit;
the signal receiving unit acquires parameter information of a user or a user mobile terminal;
the signal determining unit screens the mobile terminal of the user to be deducted according to the acquired parameter information;
the signal transmitting unit transmits the screening result of the signal determining unit to the communication device.
In the present invention, the communication device may be a communication device that can receive a signal of a user mobile terminal and communicate with a macro base station, such as a small base station, a base station, or a base-like station. The mobile terminal can be a mobile phone, a PAD and other terminals which can use a user identification card, namely, the user information can be identified from the signal, and the corresponding telephone charge account is charged.
The executed preset commands are used for realizing various operation functions and trigger functions, such as switching on and off a gate, switching on and off various locks, alarming, voice, video, face recognition, payment, software triggering, key triggering, spraying, ordering, paying, reserving, weapon launching, vehicle starting, searching, carrying, starting devices and the like.
Compared with the traditional bank card/electronic wallet account payment, the method, the system and the terminal are more convenient and reliable, a user can pay only by carrying the mobile phone without carrying various bank cards, and the mobile phone does not need to be provided with any hardware device or software application required by the existing near-field payment system. And the mobile phone of the user informs the account change situation in real time through the short message, so that the account safety of the user is guaranteed. Compared with the traditional chip type NFC chip payment, the method and the device solve the problem that the chip type NFC is limited by the internal structure of the mobile phone, solve the problem that the chip type NFC card swiping is insensitive, reduce the cost of the mobile phone, solve the complex process of identity authentication, and reduce the flow that the operation interface needs to be opened in the chip type NFC payment. Meanwhile, compared with various payment APPs, the payment method and the payment system reduce operation processes, shorten payment time, solve the problem that payment cannot be carried out due to poor mobile signals, and provide better payment experience for customers.
Drawings
Fig. 1 is a flow schematic illustration of a mobile phone network based near field payment method of the present invention;
FIG. 2 is a schematic diagram of an application scenario of the present invention;
FIG. 3 is a schematic diagram of an application scenario of the present invention;
fig. 4 is a schematic structural diagram of a near field payment terminal of the present invention.
Detailed Description
The method of the present invention will be described in further detail below with reference to the accompanying drawings.
Example 1
In this embodiment, the gate of the subway entering and exiting field is taken as an example to further describe the method of the present invention.
A user mobile terminal (such as a mobile phone) approaches a signal detection area of a near-field payment terminal;
the near-field payment terminal acquires a mobile phone signal and identifies user identity information, the signal detection device acquires user or user mobile phone parameter information, a mobile phone of a user to be charged is screened according to the acquired parameter information, and if the charging condition of the near-field payment system is met, a mobile phone network operator charges a fee from a user telephone account.
If the fee deduction is successful, the mobile terminal network operator informs the mobile terminal user of fee deduction information through a short message of the mobile terminal network; if the deduction fails, the payment failure is prompted, and the payment process is executed again. And after the fee deduction is successful, the near-field payment terminal executes a preset command, and opens the gate to enable the user to pass.
And finally, the mobile network operator transfers and pays the deduction money to an account agreed with the corresponding merchant after deducting commission fee and the like.
The user fee deduction information can be stored in the near field payment terminal and is sent to a merchant manager through a communication network for inquiry; the mobile network operator can also send various data, information, suggestions and other information to the merchants according to the requirements submitted by the merchants.
The merchant must agree with the mobile network operator in advance to settle accounts, and a self-set collection application program can be installed in the near-field payment terminal to set corresponding fee deduction rules. The checkout application is bound to the merchant's settlement account. Preferably, the payment receiving application is also bound to the IMEI and/or SIM card and/or telephone number of a designated physical person (e.g., legal representative or financial responsible or CFO) reserved for the merchant for facilitating the acceptance of various data and management of the corresponding account. And finally, the mobile network operator transfers and pays the deduction money to an account agreed with the corresponding merchant after deducting commission fee and the like.
The mobile network operator may provide the subscriber's payment account with a certain amount of pre-authorized money. The mobile network operator gives a certain amount of credit amount according to the past use experience and the self requirement of the user, so as to prevent inconvenience caused by arrearage and shutdown of a mobile terminal communication account due to payment and remind the user through short messages.
Consumption amount can be set in a preset program of the near-field payment terminal, and if the consumption amount exceeds the consumption amount, the user is informed by a short message to input a verification code to confirm payment.
The user fee deduction information can be stored in the near field payment terminal and is sent to a merchant manager through a communication network for inquiry; the mobile network operator can also send various data, information, suggestions and other information to the merchants according to the requirements submitted by the merchants.
Example 2
The difference between the present embodiment and embodiment 1 is only that the signal detection device acquires parameter information of a user or a user mobile terminal, screens a user mobile terminal to be deducted according to the acquired parameter information, and displays deduction information on the payment terminal if the deduction condition of the near-field payment system is met; the user confirms the displayed fee deduction information; and a handshake mode such as touch screen confirmation, short message confirmation and the like can be adopted, and the near field payment terminal deducts the fee from the user telephone fee account according to the feedback information of the user or re-executes the process of screening the mobile terminal of the user to be deducted.
Example 3
The embodiment provides an implementation mode of the method in fixed charging scenes, such as industries of road and bridge toll stations, scenic spot tickets and the like.
As shown in fig. 2, the near field payment terminal forms a detection area, when a user enters the detection area, the near field payment terminal acquires a user mobile terminal signal and identifies user identity information, the signal detection device acquires user or user mobile phone parameter information, a mobile phone of the user to be charged is screened according to the acquired parameter information, and if a preset charging condition is met, a mobile phone network operator charges a fee from a user telephone account.
Example 4
The embodiment provides an implementation mode of the method in a scene with large customer flow, such as a supermarket, a toll station, a payment port and the like.
As shown in fig. 3, the near-field payment terminal forms a section of detection wall, and if a fee deduction line is set in a place where charging is needed, as long as a user actively passes through the fee deduction line, fee deduction can be performed according to a set fee deduction standard. Multiple users can simultaneously pass through the fee deduction line, and the signal detector can be arranged above the payment area in the air or below the payment area in the ground. The signal detector forms a ' detection wall ' according to the set detection program, if the preset charge deduction condition is satisfied, the mobile phone network operator deducts the charge from the user's telephone charge account.
In this embodiment, the signal detector may be additionally installed with a product-identifying FIRD device, and when people buy the product, the detector may automatically identify the type and quantity of the product and automatically deduct the fee through the detection wall.
Example 5
The signal detection device can be one or more of an infrared detection device, a distance sensing device, a video recording device, a sound recording device, a security device, a radar device, an electromagnetic device, a motion induction device, an acoustic device, various ray devices and a spectrum analyzer; the system is used for detecting one or more parameter information of the position of a user, the movement speed of the user, the posture of the user, the body temperature of the user, the distance between a mobile terminal of the user and a near field payment terminal, the signal strength of the mobile terminal of the user, the source of a signal of the mobile terminal, a communication base station of the signal of the mobile terminal, whether the signal of the mobile terminal is communicated, the position relation between the mobile terminal and the user and the orientation of the mobile terminal.
The embodiment specifically provides a method for acquiring parameter information of a user or a user mobile terminal by a signal detection device and screening a mobile terminal of a user to be deducted according to the acquired parameter information.
As shown in fig. 4, in the communication of the small cell, the signal detection device is an electromagnetic shielding device, and the electromagnetic shielding material covers the detection device, so that when the user mobile terminal approaches the signal detection area of the near-field payment terminal, the signal is attenuated. And if the shielding effect of the electromagnetic shielding material is attenuated by a distance, setting a threshold value of signal intensity attenuation in the detection area to judge the terminal needing to deduct the fee in the detection area, and deducting the fee.
In this embodiment, a distance sensor (e.g., distance measurement means such as infrared and ultrasonic), an infrared detection device (for positioning a user according to body temperature, or using infrared distance measurement), and a motion sensing device (e.g., gravity sensing, determining a falling situation of a terminal, etc.) may also be added as the signal detection device, and in combination with parameters such as body temperature/distance positioning of the user, orientation information of terminal positioning, etc., a plurality of conditions jointly constrain threshold determination, thereby increasing determination accuracy.
Example 6
The embodiment specifically provides a method for acquiring parameter information of a user or a user mobile terminal by a signal detection device and screening a mobile terminal of a user to be deducted according to the acquired parameter information.
The method comprises the steps that small base station communication is adopted, a video recording device serves as a detection device, when a user mobile terminal is close to a signal detection area of a near field payment terminal, video is transmitted to image processing equipment to judge a motion path, a terminal needing to be charged in the detection area is selected, and charging is carried out.
Example 7
This example specifically illustrates an embodiment of the near field payment system of the present invention.
The entrance payment system comprises a user mobile terminal and a near field payment terminal; the near field payment terminal comprises a communication device and a signal detection device;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device;
the signal detection device comprises a signal receiving unit for receiving signals, a signal determining unit for judging parameters and a signal sending unit for communicating with the communication device;
the communication device receives a signal of the user mobile terminal and identifies user identity information; the signal receiving unit acquires parameter information of a user or a user mobile terminal and sends the parameter information to the signal determining unit, and the signal determining unit screens the user mobile terminal to be deducted according to the acquired parameter information; the signal sending unit sends the screening result of the signal determining unit to the communication device; the communication device communicates with the base station, and the mobile phone network operator deducts the fee from the user telephone fee account of the mobile terminal of the user to be deducted.
The system of the present invention further comprises a command execution unit;
and the base station transmits the command of successful fee deduction back to the communication device, the communication device receives the command and transmits the command to the command execution unit, and the command execution unit executes the preset command according to the specific application scene.
The system of the present invention may further comprise a display device;
the signal sending unit sends the screening result of the signal determining unit to the display device to display the information of the deduction account;
the user confirms the information of the deduction account displayed by the display device;
and the signal determining unit confirms the mobile terminal of the user to be deducted or re-executes the process of screening the mobile terminal of the user to be deducted according to the user feedback information.
The signal detection device can be one or more of an infrared detection device, a distance sensing device, a video recording device, a sound recording device, a security device, a radar device, an electromagnetic device, a motion induction device, an acoustic device, various ray devices and a spectrum analyzer; the system is used for detecting one or more parameter information of the position of a user, the movement speed of the user, the posture of the user, the body temperature of the user, the distance between a mobile terminal of the user and a near field payment terminal, the signal strength of the mobile terminal of the user, the source of a signal of the mobile terminal, a communication base station of the signal of the mobile terminal, whether the signal of the mobile terminal is communicated, the position relation between the mobile terminal and the user and the orientation of the mobile terminal. Reference may be made in particular to the embodiments of examples 5 to 6.
Example 8
This embodiment specifically illustrates an implementation of the near field payment terminal of the present invention.
The near field payment terminal comprises a communication device and a signal detection device;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device; receiving a user mobile terminal signal and identifying user identity information; and communicating with the base station to deduct the fee from the telephone fee account of the user mobile terminal;
the signal detection device comprises a signal receiving unit, a signal determining unit and a signal sending unit;
the signal receiving unit acquires parameter information of a user or a user mobile terminal;
the signal determining unit screens the mobile terminal of the user to be deducted according to the acquired parameter information;
the signal transmitting unit transmits the screening result of the signal determining unit to the communication device.
The terminal may further include a display device for displaying the deduction account information.
The signal detection device can be one or more of an infrared detection device, a distance sensing device, a video recording device, a sound recording device, a security device, a radar device, an electromagnetic device, a motion induction device, an acoustic device, various ray devices and a spectrum analyzer; the system is used for detecting one or more parameter information of the position of a user, the movement speed of the user, the posture of the user, the body temperature of the user, the distance between a mobile terminal of the user and a near field payment terminal, the signal strength of the mobile terminal of the user, the source of a signal of the mobile terminal, a communication base station of the signal of the mobile terminal, whether the signal of the mobile terminal is communicated, the position relation between the mobile terminal and the user and the orientation of the mobile terminal. Reference may be made in particular to the embodiments of examples 5 to 6.
Claims (13)
1. A near field payment method based on a mobile phone network, comprising:
a user mobile terminal approaches a signal detection area of a near-field payment terminal;
the near field payment terminal acquires a user mobile terminal signal, identifies user identity information, screens a user mobile terminal to be deducted according to a preset program, and if the deduction condition of the near field payment system is met, the mobile phone network operator deducts the fee from a user telephone account;
the method for screening the user mobile terminal to be deducted by the preset program comprises the steps that a signal detection device is arranged in the near field payment terminal, small base station communication is adopted, the signal detection device is covered with an electromagnetic shielding material, and when the user mobile terminal is close to a signal detection area of the near field payment terminal, signals are attenuated; and if the shielding effect of the electromagnetic shielding material is attenuated by a distance, setting a threshold value of signal intensity attenuation in the detection area to judge the terminal needing to deduct the fee in the detection area, and deducting the fee.
2. The method of claim 1, further comprising: a user mobile terminal approaches a signal detection area of a near-field payment terminal;
the near field payment terminal screens the mobile terminal of the user to be deducted according to a preset program, and if the deduction condition of the near field payment system is met, the deduction information is displayed on the payment terminal;
the user confirms the displayed fee deduction information;
and the near field payment terminal deducts the fee from the user telephone account according to the user feedback information, or re-executes the process of screening the mobile terminal of the user to be deducted.
3. The method of claim 1, further comprising: if the fee deduction is successful, the mobile terminal network operator informs the mobile terminal user of fee deduction information through a short message of the mobile terminal network; if the deduction fails, the payment failure is prompted, and the payment process is executed again.
4. The method of claim 1, further comprising: and after the fee deduction is successful, the near field payment terminal executes a preset command.
5. The method of claim 1, further comprising the step of the mobile phone network operator giving the user a certain amount of credit to the payment account according to the consumption history and the user requirements, and reminding the user by short message.
6. The method of claim 1, further comprising the step that a mobile phone network operator makes a contract with the merchant who uses the near field payment terminal to pay the transaction account, and after deducting the fee from the user's telephone account, the mobile phone network operator transfers and pays the fee deduction to the account made into contract with the corresponding merchant after deducting the commission fee.
7. The method of claim 6, wherein a mobile phone network operator provides a payment application, binding with a settlement account of a merchant using the near field payment terminal; the payment receiving application is bound to the IMEI and/or SIM card and/or phone number of the merchant's reserved designated natural person.
8. The method of claim 1, further comprising: and setting a consumption amount in a preset program of the near-field payment terminal, and if the consumption amount exceeds the consumption amount, informing the user of inputting a verification code by a short message to confirm payment.
9. The method of claim 1, further comprising providing a merchant information service, a merchant using the near field payment terminal inquiring the detected information through the near field payment terminal and submitting a request to a mobile phone network operator; and the mobile phone network operator feeds back the required information to the merchant according to the requirements submitted by the merchant.
10. A near field payment system based on mobile phone network is characterized in that the system comprises a user mobile terminal and a near field payment terminal; the near field payment terminal comprises a communication device and a signal detection device;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device;
the signal detection device comprises a signal receiving unit for receiving signals, a signal determining unit for judging parameters and a signal sending unit communicated with the communication device, and an electromagnetic shielding material is covered on the signal detection device to attenuate the signals;
the communication device receives a signal of the user mobile terminal and identifies user identity information; the signal receiving unit acquires parameter information of a user or a user mobile terminal and sends the parameter information to the signal determining unit, and the signal determining unit screens the user mobile terminal to be deducted according to the acquired parameter information; the signal sending unit sends the screening result of the signal determining unit to the communication device; the communication device communicates with the base station, and the mobile phone network operator deducts the fee from the user telephone fee account of the mobile terminal of the user to be deducted.
11. The system of claim 10, further comprising a display device;
the signal sending unit sends the screening result of the signal determining unit to the display device to display the information of the deduction account;
the user confirms the information of the deduction account displayed by the display device;
and the signal determining unit confirms the mobile terminal of the user to be deducted or re-executes the process of screening the mobile terminal of the user to be deducted according to the user feedback information.
12. The system of claim 10, further comprising a command execution unit;
the base station transmits the command of successful fee deduction back to the communication device, the communication device receives the command and sends the command to the command execution unit, and the command execution unit executes a preset command.
13. A near field payment terminal based on mobile phone network is characterized in that the near field payment terminal comprises a communication device and a signal detection device, wherein the signal detection device is covered with an electromagnetic shielding material to attenuate signals;
the communication device is communicated with a user mobile terminal, a base station and a signal detection device; receiving a user mobile terminal signal and identifying user identity information; and communicating with the base station to deduct the fee from the telephone fee account of the user mobile terminal;
the signal detection device comprises a signal receiving unit, a signal determining unit and a signal sending unit;
the signal receiving unit acquires parameter information of a user or a user mobile terminal;
the signal determining unit screens the mobile terminal of the user to be deducted according to the acquired parameter information;
the signal transmitting unit transmits the screening result of the signal determining unit to the communication device.
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| CN201810568632.6A CN108921543B (en) | 2018-06-05 | 2018-06-05 | Near field payment terminal, system and method based on mobile phone network |
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| CN201810568632.6A CN108921543B (en) | 2018-06-05 | 2018-06-05 | Near field payment terminal, system and method based on mobile phone network |
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