CN202838422U - On-site payment system of mobile terminal - Google Patents
On-site payment system of mobile terminal Download PDFInfo
- Publication number
- CN202838422U CN202838422U CN 201220184672 CN201220184672U CN202838422U CN 202838422 U CN202838422 U CN 202838422U CN 201220184672 CN201220184672 CN 201220184672 CN 201220184672 U CN201220184672 U CN 201220184672U CN 202838422 U CN202838422 U CN 202838422U
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- payment
- bill
- unionpay
- mobile terminal
- payment system
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Abstract
The utility model designs an on-site payment system of a mobile terminal, which comprises the mobile terminal. A financial expansion memory card is installed in the mobile terminal; the mobile terminal is connected with a website server storing commodity information, a bill payment system server responsible for bill operation, and a Unionpay payment gateway via wireless netwok; the bill payment system server is connected with the website server and the Unionpay payment gateway; and the Unionpay payment gateway is connected with an internal computer system of banks. The on-site payment system of the mobile terminal has the advantages that the structure is simple, the cost is low, the operation is simple and the system is easy for popularization; the system is convenient and rapid so that a user does not need to carry cash; mobile electronic commerce currency is directly settled, which is convenient for financial management; and settlement of mobile phone payment is directly sent a merchant account, which decreases the cost of financial operation.
Description
Technical field
The utility model relates to a kind of network payment system structure, specifically a kind of portable terminal on-site payment system.
Background technology
Utilizing mobile phone terminal to realize the mode of mobile e-business, because it is easy to use, simple, just is being that people institute accepts day by day, and merchandise news changes into the mode of mobile phone bill information and also explores for many years.The user carries out information inquiry by call center or internet and commodity and service is ordered, and finishes payment with mobile phone, does not change the use habit of domestic consumer.The user realizes inquiry, orders and the payment overall process by mobile terminal network.For promoting user's experience, can integrate sector application to cell-phone customer terminal, user's inquiry, order, payment are all finished in client.This dual mode can solve the application of user's remote payment well, but can not solve the outdoor scene application of on-site payment.
Summary of the invention
The purpose of this utility model is to overcome the deficiencies in the prior art, a kind of portable terminal on-site payment system is provided, by the mobile intelligent terminal of the financial extension storage card that China Unionpay indicates is installed, based on existing portable terminal and the network platform, realize the on-site payment function.
The technical scheme that provides according to the utility model, described portable terminal on-site payment system, comprise portable terminal, financial extension storage card is housed in the described portable terminal, described portable terminal is connected by bill payment system server, Unionpay's payment gateway of wireless network with the Website server of depositing merchandise news, responsible bill operation, described bill payment system server links to each other with described Website server, Unionpay's payment gateway, and Unionpay's payment gateway connects the computer system of bank inside.Described financial extension storage card is an extension storage card through encrypting.
Described Website server, bill payment system server, Unionpay's payment gateway also connect a background management system server.
The utility model has the advantages that:
1, simple in structure, cost is low, and is simple to operate, is easy to promote;
2, automaticity is high, and is convenient and swift; The user does not need to carry cash;
3, the mobile e-business currency is directly settled accounts, and makes things convenient for financial management;
4, reduce operation cost: the clearing of mobile-phone payment have directly been arrived on trade company's account, reduce financial cost.
Description of drawings
Fig. 1 is the utility model system construction drawing.
Fig. 2 is the process flow diagram of bank card inquiry into balance.
Fig. 3 is in-store shopping mobile-phone payment process flow diagram.
Embodiment
The utility model is described in further detail below in conjunction with drawings and Examples.
As shown in Figure 1, the utility model comprises portable terminal (such as terminals such as smart mobile phone or PDA), financial extension storage card is housed in the portable terminal, described portable terminal is connected by bill payment system server, Unionpay's payment gateway of wireless network with the Website server of depositing merchandise news, responsible bill operation, described bill payment system server links to each other with described Website server, Unionpay's payment gateway, and Unionpay's payment gateway connects the computer system of bank inside.Described Website server, bill payment system server, Unionpay's payment gateway also connect a background management system server.
The utility model is coupled together individual mobile terminal, network service module, information platform module respectively by the network switch, to reach the purpose of on-site payment.Below take mobile phone as example, the function of each module of descriptive system.
Tomcat-AdminPortal: mainly finish various maintenance management operations.
The finance extension storage card: bind with bank card, compatible CSP, PCSC, PKCS#11 safety standard, hardware is realized enciphering and deciphering algorithm in the card, key and not card release of private key certificate can realize the highest level of security of mobile-phone payment.
Website server: mainly finish depositing and inquiring about of commodity data, and finish the functions such as statistics of database, analysis, backup, migration, reduction.
The bill payment system server: carry out bill according to the merchandise news in the Website server and generate, and carry out bill propelling movement and reception to user mobile phone client, Unionpay's payment gateway respectively.
Unionpay's payment gateway: consisted of by Unionpay's payment gateway, mainly finish the bill clearance, payment result is fed back to user mobile phone client, and the notice credit card issuer carries out fund clearing with the receipts single file.
Customer mobile terminal: the terminal such as the smart mobile phone such as main flow system such as Symbin, Windows Mobile, Android, Iphone, Linux or PDA.
Wherein network service relates to Internet mixed-media network modules mixed-media, the GPRS module in the portable terminal.
Can also increase the SMS platform module, mainly finish the interaction between each server and the customer mobile terminal.
This principle of work based on the hand call payment system of the financial extension storage card of China Unionpay is as follows: by network service portable terminal, Website server and bill payment system server are coupled together.When the user carries out on-site payment, the bill payment system server is according to the commodity data Information generation bill in the Website server, bill is pushed in the individual mobile terminal, the user inputs the payment cipher of itself and individual mobile terminal binding bank card number, with bill information, Private Banking's card information, the Information generation encrypted packets such as payment cipher, be transferred to Unionpay's payment gateway by network service, Unionpay's payment gateway reads encrypted packets and is decrypted, information in data message and the bill payment system server is compared and verifies, clear by credit card issuer and receipts single file after being proved to be successful, finally communicate by letter with Website server by the bill payment system server again, by Webpage payment result is fed back to trade company.Portable terminal also will receive payment result information simultaneously.
The bank card inquiry into balance that the utility model is related and on-the-spot mobile-phone payment payment function, its flow process is as follows.
Bank card inquiry into balance function: after the user binds personal bank card and financial extension storage card, in individual mobile terminal, click the inquiry into balance function, the payment cipher of the input bank card of binding, click again inquire button, Unionpay's payment gateway is through validation of information, be proved to be successful and in real time user's bank card remaining sum be presented on the individual mobile terminal afterwards, realize user's bank card inquiry into balance function, as shown in Figure 2.
As shown in Figure 3, in-store shopping mobile-phone payment flow process is as follows: the user is by internet site or WAP site, utilize individual login name and password to login at the information issuing web site, the user is by businessman scene or the selected commodity of information issuing web site or service, in the bill payment system server, generate bill, bill is pushed in the user mobile phone payment module, and the user confirms by the mobile-phone payment software systems or the cancellation payment.If confirm payment, the user needs the payment cipher bound individual mobile terminal input, through after encryption by Unionpay's payment gateway checking clearance, payment result feeds back to the payer cell-phone customer terminal, informs trade company by banking system simultaneously.Trade company gives user's commodity or service after receiving the information that bill payment finishes; Since then, whole as seen is finished.
Claims (1)
1. portable terminal on-site payment system, comprise portable terminal, it is characterized in that: financial extension storage card is housed in the described portable terminal, described portable terminal is connected by bill payment system server, Unionpay's payment gateway of wireless network with the Website server of depositing merchandise news, responsible bill operation, described bill payment system server links to each other with described Website server, Unionpay's payment gateway, and Unionpay's payment gateway connects the computer system of bank inside;
Described Website server, bill payment system server, Unionpay's payment gateway also connect a background management system server;
Described financial extension storage card is an extension storage card through encrypting.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220184672 CN202838422U (en) | 2012-04-26 | 2012-04-26 | On-site payment system of mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220184672 CN202838422U (en) | 2012-04-26 | 2012-04-26 | On-site payment system of mobile terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN202838422U true CN202838422U (en) | 2013-03-27 |
Family
ID=47950072
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201220184672 Expired - Lifetime CN202838422U (en) | 2012-04-26 | 2012-04-26 | On-site payment system of mobile terminal |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN202838422U (en) |
-
2012
- 2012-04-26 CN CN 201220184672 patent/CN202838422U/en not_active Expired - Lifetime
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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: 20130327 |