CN201749518U - Payment system with mobile phone as terminal POS - Google Patents
Payment system with mobile phone as terminal POS Download PDFInfo
- Publication number
- CN201749518U CN201749518U CN2009202711549U CN200920271154U CN201749518U CN 201749518 U CN201749518 U CN 201749518U CN 2009202711549 U CN2009202711549 U CN 2009202711549U CN 200920271154 U CN200920271154 U CN 200920271154U CN 201749518 U CN201749518 U CN 201749518U
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Abstract
The utility model relates to a payment system with a mobile phone as terminal POS, which comprises an information transceiving module and a processor; wherein, the information transceiving module is used for a client who uses a mobile phone to log in a server through wireless network; for distinguishing an encrypted account from a two-dimension code provided by a consumer through the processor or directly sending an account provided by the consumer to a server; the processor is used for a client to input amount consumed by the consumer on a payment interface of the mobile phone; and/or for distinguishing the two-dimension code provided by the consumer. The payment system with the mobile phone as terminal POS changes the existing mode of using a special machine as required to swipe a card for consumption and settlement. Data transmission adopts advanced mobile 3G, GPRS or future 4G network, thereby eliminating telephone line.
Description
Technical field
The utility model relates to payment technical field, relates in particular to a kind of with the payment system of mobile phone as terminal POS.
Background technology
Point-of-sale terminal (POS) is a kind of multi-functional terminal end, the franchised business that it is installed in credit card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has functions such as the consumption of support, pre-authorization, inquiry into balance and account transfer, use safety, quick, reliable, POS mainly contains following several types: (1) consumption POS has functions such as consumption, pre-authorization, inquiry stop-payment list; (2) account transfer POS has functions such as finance account transfer and the account transfer of card card.
In the prior art, each big sale occasion, for example department stores, supermarket etc. have mostly disposed POS.Existing P OS consumes by swiping the card, but because the defective that bank card itself exists causes user's information easily for duplicating and stealing, consumer's interests are incurred loss, and the case that bank card is stolen brush all is the trend of rising all the time, so is necessary to seek safer solution.
The utility model content
In order to solve above-mentioned technical matters, provide a kind of with the payment system of mobile phone as terminal POS, its purpose is, a kind of POS payment scheme that can use mobile phone to consume is provided.
It is a kind of with the payment system of mobile phone as terminal POS that the utility model provides, and comprises signal dispatcher module and processor;
Signal dispatcher module is used for using mobile phone by the wireless network game server for trade company; Be used for and send to server by the user account of processor identification.
Signal dispatcher module is used for using mobile phone to be connected to server by wireless network for trade company, the corresponding relation of the number of the account and the storage amount of money on the server; Use number of the account and/or password game server for trade company, to confirm merchant identification.
Described mobile phone has camera; Described camera is used to take the two-dimension code that the consumer provides.
Signal dispatcher module, the number of the account and the password that also are used for the consumer is directly provided send to server; Notice according to server sends to server with the password that the consumer imports.
Processor also is used to return the payment interface of mobile phone.
Described two-dimension code is needed on body surface or article surface.
It is a kind of with the payment system of mobile phone as terminal POS that the utility model provides, and comprises signal dispatcher module and processor;
Signal dispatcher module is used for using mobile phone by the wireless network game server for trade company; Be used for and send to server by the user account of processor identification.
Signal dispatcher module is used for using mobile phone to be connected to server by wireless network for trade company, the corresponding relation of the number of the account and the storage amount of money on the server; Use number of the account and/or password game server for trade company, to confirm merchant identification.
Described mobile phone has camera; Described camera is used to take the two-dimension code that the consumer provides.
Signal dispatcher module, the number of the account and the password that also are used for the consumer is directly provided send to server; Notice according to server sends to server with the password that the consumer imports.
Processor also is used to return the payment interface of mobile phone.
Described two-dimension code is arranged on body surface or the phone housing.
The utility model provides a kind of mobile phone POS payment method, comprising:
Step 1, trade company uses mobile phone by the wireless network game server, stores the corresponding relation of the number of the account and the storage amount of money on this server;
Step 2, trade company imports consumer's the consumption amount of money on the payment interface of mobile phone, after utilizing the camera of mobile phone to read the two-dimension code that the consumer provides, by the two-dimension code recognizer on the mobile phone two-dimension code is decoded, obtain encrypted number of the account or by the direct typing number of the account on mobile phone POS of consumer, password (by consumer's decision, password can the be set) packing that adds consumer's typing on mobile phone POS sends to server;
Step 3, server are deciphered the number of the account that encrypted number of the account obtains the consumer, with the consumer's that reserves on this number of the account and password and the server account number cipher comparison.The comparison result unanimity will be deducted this consumption amount of money from the storage amount of money of this number of the account, this consumption amount of money is added in the account of trade company, and the information of " paying successfully " is returned mobile phone POS notice trade company; Compare inconsistent or the consumer account Sorry, your ticket has not enough value, will feed back the notice of " account password disobedience " or " account balance deficiency " payment failure to mobile phone POS
Step 1 comprises:
Described mobile phone has camera; In the step 2, described mobile phone is taken the two-dimension code that the consumer provides.
In the step 1, store the corresponding relation of number of the account, password and the storage amount of money on the server; In the step 2, mobile phone sends to server with number of the account and the password that the consumer directly provides;
In the step 3:
Provide the consumer under the situation of two-dimension code, input password when if the consumer is arranged on consumption, server also notifies trade company to need the consumer to input password, the consumer is behind the payment interface input password of mobile phone, mobile phone is sent to server with this password, and the number of the account behind this password of server authentication and the enabling decryption of encrypted obtains consumer's number of the account coupling, then deduction consumer's the consumption amount of money from the storage amount of money of this number of the account, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully;
Provide the consumer under the situation of two-dimension code, if consumer's the consumption amount of money has preset value, when consumer's the consumption amount of money exceeds preset value, server notification trade company needs the consumer that password is provided, the consumer is behind the payment interface input password of mobile phone, mobile phone also sends to server with password, number of the account behind this password of server authentication and the enabling decryption of encrypted obtains consumer's number of the account coupling, then from the storage amount of money of this number of the account, deduct consumer's the consumption amount of money, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully;
Directly provide under number of the account and the password situation the consumer, the server authentication consumer directly provides number of the account and password coupling, then deduction consumer's the consumption amount of money from the storage amount of money of this number of the account this consumption amount of money is added in the account of trade company, and notice trade company is paid successfully.
Also comprise step 4, return the payment interface of mobile phone.
The utility model provides a kind of mobile phone POS payment system, comprises mobile phone and server;
Mobile phone is used for using mobile phone by the wireless network game server for trade company, stores the corresponding relation of the number of the account and the storage amount of money on this server; On the payment interface of mobile phone, import consumer's the consumption amount of money for trade company; The two-dimension code that the identification consumer provides; The number of the account that number of the account after the encryption that will obtain by the two-dimension code that the handset identity consumer provides or consumer directly provide sends to server;
Server, be used for the number of the account that number of the account behind the enabling decryption of encrypted obtains the consumer, according to the number of the account that this consumer's number of the account or consumer directly provides, deduction consumer's the consumption amount of money from the storage amount of money of this number of the account, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully.
Mobile phone is used for using mobile phone to be connected to server by wireless network for trade company, the corresponding relation of the number of the account and the storage amount of money on the server; Use number of the account and/or password game server for trade company, to confirm merchant identification.
Described mobile phone has camera; Described mobile phone is used to take the two-dimension code that the consumer provides.
Server is used to store the corresponding relation of number of the account, password and the storage amount of money; Mobile phone, the number of the account and the password that also are used for the consumer is directly provided send to server;
Server, also be used for providing under the situation of two-dimension code the consumer, input password when if the consumer is arranged on consumption, also notify trade company to need the consumer to input password, the consumer is behind the payment interface input password of mobile phone, mobile phone is sent to server with this password, number of the account behind this password of server authentication and the enabling decryption of encrypted obtains consumer's number of the account coupling, then from the storage amount of money of this number of the account, deduct consumer's the consumption amount of money, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully;
Server, also be used for providing under the situation of two-dimension code the consumer, if consumer's the consumption amount of money has preset value, when consumer's the consumption amount of money exceeds preset value, notice trade company needs the consumer that password is provided, the consumer is behind the payment interface input password of mobile phone, mobile phone also sends to server with password, number of the account behind this password of server authentication and the enabling decryption of encrypted obtains consumer's number of the account coupling, then from the storage amount of money of this number of the account, deduct consumer's the consumption amount of money, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully;
Server, also be used for directly providing under number of the account and the password situation the consumer, the checking consumer directly provides number of the account and password coupling, then deduction consumer's the consumption amount of money from the storage amount of money of this number of the account, this consumption amount of money is added in the account of trade company, and notice trade company pays successfully.
Mobile phone also is used to return the payment interface of mobile phone.
The utility model has changed bank must use special-purpose machines and tools at present, swipes the card and consumes the pattern of clearing.Mobile phone POS cooperates the two-dimension code identification, makes the consumer hold the magnetic card affirmation identity of swiping the card on conventional P OS, consumes the way of clearing, will thoroughly be replaced.Data transmission utilization advanced person's mobile phone 3G, the GPRS or following 4G network carry out, and break away from the constraint of telephone wire.The utility model has thoroughly changed the conventional P OS of bank and has used magnetic card to discern the way of identity, selects for use advanced planar bar code technology that client identity authentication is discerned, and information is more accurate, abundant.Data transmission utilization advanced person's mobile phone 3G network or GPRS network are carried out, and thoroughly break away from the constraint of telephone wire.Mobile phone POS is very easily promoted, and need not to increase any hardware device, just needs the mobile phone being with camera and can surfing the Net to get final product, and reduces to finish being counted as this greatly.The usable range of mobile phone POS is extensive, as long as have Anywhere in the world one one can surf the Net can WAP site log-on mobile phone, no matter this mobile phone is CDMA or the GSM or the communicating terminal of other technologies, no matter this terminal belongs to the communication network of which country or company, it can be without any transformation, also need not download terminal program (need download identification software as using two-dimension code), the terminal device that just can become mobile phone POS uses.The account number cipher of logon server input businessman, the settlement system of mobile phone POS has just been opened to you.
Description of drawings
Fig. 1 is the mobile phone POS payment method process flow diagram;
Fig. 2 a and Fig. 2 b are the POS payment interface on the mobile phone;
The usefulness mobile phone that Fig. 3 the utility model provides is as the payment system cut-away view of terminal POS.
Embodiment
The mobile phone POS payment system be with " mobile phone " as payment terminal, use two-dimension code identification client identity, upload the data to account settlement server by the internet and carry out data processing, finally reach reduce client's Stored Value amount of money and with the purpose of businessman's clearing.
Mobile phone POS also can break away from two-dimension code in concrete the application, simple application number of the account and password confirming client identity, but use two-dimension code identification identity for the security consideration suggestion.
This mobile phone POS payment method comprises: trade company uses mobile phone by the wireless network game server, stores the corresponding relation of the number of the account and the storage amount of money on this server; Trade company imports consumer's the consumption amount of money on the payment interface of mobile phone, after utilizing the camera of mobile phone to read the two-dimension code that the consumer provides, by the two-dimension code recognizer on the mobile phone two-dimension code is decoded, obtain encrypted number of the account or, add that the password packing of consumer's typing on mobile phone POS sends to server by the direct typing number of the account on mobile phone POS of consumer; Server is deciphered the number of the account that encrypted number of the account obtains the consumer, with the consumer's that reserves on this number of the account and password and the server account number cipher comparison.The comparison result unanimity will be deducted this consumption amount of money from the storage amount of money of this number of the account, this consumption amount of money is added in the account of trade company, and the information of " paying successfully " is returned mobile phone POS notice trade company; Compare inconsistent or the consumer account Sorry, your ticket has not enough value, will feed back the notice of " account password is not inconsistent " or " account balance deficiency " payment failure to mobile phone POS.
The mobile phone POS operating process is as follows:
If the client sets (exceeding certain Spending Limit) and accesses to your password when registration, payment terminal is about to this consumption and uploads onto the server, server can require the client to input password by return message, businessman can pass the client mobile phone at this moment and input password, after the affirmation, the data upload server is after server carries out data processing, the mobile phone terminal demonstration is beamed back in " success " or failure cause, inform whether businessman's payment is successful.
The usefulness mobile phone that Fig. 3 the utility model provides comprises signal dispatcher module and processor as the payment system cut-away view of terminal POS;
Signal dispatcher module is used for using mobile phone by the wireless network game server for trade company; Number of the account after the encryption that is used for obtaining by the two-dimension code that processor is discerned the consumer and provided or the number of the account that directly consumer is provided send to server;
Processor is used for supplying trade company to import consumer's the consumption amount of money on the payment interface of mobile phone; And/or the two-dimension code that provides of identification consumer.
Signal dispatcher module is used for using mobile phone to be connected to server by wireless network for trade company, the corresponding relation of the number of the account and the storage amount of money on the server; Use number of the account and/or password game server for trade company, to confirm merchant identification.
Described mobile phone has camera; Described camera is used to take the two-dimension code that the consumer provides.
Signal dispatcher module, the number of the account and the password that also are used for the consumer is directly provided send to server; Notice according to server sends to server with the password that the consumer imports.
Processor also is used to return the payment interface of mobile phone.
Described two-dimension code is arranged on body surface or the phone housing.Image in 2 D code is that just identity information compiles with the form of two-dimension code, and can use following manner to use for the user: 1, server is issued the client with the cell phone multimedia message form, and the client has promptly obtained its authentication sign, and forwarding of multimedia is effective.Get final product before during payment the mobile phone screen of two-dimensional code display figure being illustrated in camera, thoroughly broken away from magnetic card or IC-card that present tradition is used as the mobile phone of settlement terminal; 2, after the user obtains image in 2 D code, two-dimension code is printed as " paper of tatooing ", the available water transfer printing is at arm, the palm of the hand, and shirt, but on any attaching surface such as T-shirt (washing that pattern is general can not disappear, and can easily wash off with alcohol).Firmly can identify information as long as aim at the view finder frame when needing identity validation with camera.
With " paper of tatooing " or other printing means authentication is carried out in the two-dimension code transfer printing on body surface or clothes, not only can be saved the people and carry the inconvenience that carrier brings, also greatly reduce and lose, steal the risk of robbing, forging.The paying centre is furnished with the call center of oneself, if find the two-dimension code of the own identity of sign lose, damage, in the time of can not discerning, dial the customer service phone, answer the problem of reserving, be replaceable new two-dimension code, the form that the call center promptly can multimedia message is issued the client at once, can not delayed client's payment and settlement.Traditional bank magnetic stripe card is lost and is generally taken ability recasting in 10 days, and account can be frozen.
With " paper of tatooing " or other printing means authentication is carried out in the two-dimension code transfer printing on body surface or clothes, not only can be widely used in payment technical field (public transport, bank, social security, hospital, school, convenience store or the like), can also play a role in field widely, such as: the affirmation of soldier's identity in the war.If two-dimension code is imprinted on arbitrary position of soldier's body surface regulation, decoding apparatus is read in mobile phone or other special use can read detailed personnel identity information at any time, can store more soldiers' relevant information, as case etc. in the past, the effect that he plays will be immeasurable.
Reproducible, the easy transmission of two-dimension code is to strange land payment, get goods and bring very big facility.Such as: someone is on the net or use the chain businessman of this mobile phone POS to buy a present for its girl friend in the strange land, someone only needs the required authentication two-dimension code of delivery of cargo is issued its girl friend with the form of multimedia message, and she just can get goods with the two-dimension code in the cell phone multimedia message in the chain businessman of its on-site this mobile phone POS of use.Goods can so extract, and currency equally can be in the strange land with cell phone multimedia message two-dimension code and code extraction, and the user need not to carry draft, check, by sending or storage two-dimension code multimedia message or stick the two-dimension code paper of tatooing and get final product.
The two-dimension code multimedia message of issuing the user can be printed use, and the convergent-divergent size does not influence use.
When the user uses the two-dimension code payment, businessman takes in user's two-dimension code with the mobile phone POS camera, the relevant information of user storage on director server can be accessed (member's card number, the amount of money, name etc.), need not the user like this imports member's card number and just can access automatically on keyboard, improved safety of user information, prevented that card number is stolen, the user also needs to import membership password on mobile phone POS simultaneously, transaction could be implemented, and is safe.Each businessman has unique operation ID number, is convenient to management
In the utility model, all data all are stored in server, all reduce the amount of money and clearing are also all carried out at director server, and each terminal is not stored any data and do not carried out any calculating, just typing, transmission and display result.The backup server that establishes mirror image, Backup Data guarantees data security constantly.
Two-dimension code itself has very strong confidentiality, has only specific program just can discern, even two-dimension code is imprinted on the arm, others also can't find out identifying information.In addition, even other people attack the account password information that director server has been stolen the client, owing to can't make uniform two-dimension code, can not be by authentication, thus the rights and interests of having guaranteed the client are not encroached on.
Director server also can be accepted the payment application of computer terminal simultaneously, and all computer terminals that are exclusively used in clearing all will be provided with unique access to netwoks IP by fire wall, refuse the visit of other IP.
Traditional account password encrypted form is added the cipher round results of two-dimension code itself, and need not the two-dimension code identification coding that the user painstakingly remembers and can change constantly, and is safer compared to traditional bank card paying system, convenient.
Those skilled in the art can also carry out various modifications to above content under the condition that does not break away from the definite spirit and scope of the present utility model of claims.Therefore scope of the present utility model is not limited in above explanation, but determine by the scope of claims.
Claims (2)
1. one kind with the payment system of mobile phone as terminal POS, it is characterized in that, comprises signal dispatcher module and processor;
Signal dispatcher module is used for using mobile phone by the wireless network game server for trade company; To send to server by the user account of processor identification.
2. the payment system of using mobile phone as terminal POS as claimed in claim 1 is characterized in that described mobile phone has camera, and camera is used to take the two-dimension code that the user provides.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202711549U CN201749518U (en) | 2009-11-27 | 2009-11-27 | Payment system with mobile phone as terminal POS |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202711549U CN201749518U (en) | 2009-11-27 | 2009-11-27 | Payment system with mobile phone as terminal POS |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201749518U true CN201749518U (en) | 2011-02-16 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009202711549U Expired - Lifetime CN201749518U (en) | 2009-11-27 | 2009-11-27 | Payment system with mobile phone as terminal POS |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN201749518U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103034944A (en) * | 2011-09-30 | 2013-04-10 | 鸿富锦精密工业（深圳）有限公司 | Payment system and payment method of mobile device |
| CN106468946A (en) * | 2015-08-21 | 2017-03-01 | 阿里巴巴集团控股有限公司 | A kind of data inputting method and equipment |
| US11138587B2 (en) | 2011-04-15 | 2021-10-05 | Huawei Technologies Co., Ltd. | Wireless payment with a portable device |
-
2009
- 2009-11-27 CN CN2009202711549U patent/CN201749518U/en not_active Expired - Lifetime
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11138587B2 (en) | 2011-04-15 | 2021-10-05 | Huawei Technologies Co., Ltd. | Wireless payment with a portable device |
| CN103034944A (en) * | 2011-09-30 | 2013-04-10 | 鸿富锦精密工业（深圳）有限公司 | Payment system and payment method of mobile device |
| CN106468946A (en) * | 2015-08-21 | 2017-03-01 | 阿里巴巴集团控股有限公司 | A kind of data inputting method and equipment |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CX01 | Expiry of patent term | ||
| CX01 | Expiry of patent term |
Granted publication date: 20110216 |