CN103489098A - Mobile payment method, system and program supporting offline receipt and payment - Google Patents
Mobile payment method, system and program supporting offline receipt and payment Download PDFInfo
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- CN103489098A CN103489098A CN201310435539.5A CN201310435539A CN103489098A CN 103489098 A CN103489098 A CN 103489098A CN 201310435539 A CN201310435539 A CN 201310435539A CN 103489098 A CN103489098 A CN 103489098A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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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- General Business, Economics & Management (AREA)
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Abstract
The invention discloses a mobile payment method, system and program supporting offline receipt and payment. The mobile payment method relates to a server program account management center and a smartphone client program and includes the steps that when users conduct receipt and payment operation, receipt and payment software of a payee user records the current receipt record on a smartphone, and receipt and payment software of a payer user records the current payment record on the smartphone; when the records are not synchronized to the account management center, a non-synchronized mark is made to the records; when detecting that the smartphone is connected to internet, the receipt and payment software automatically synchronizes the records with the non-synchronized mark to the account management center and makes synchronized mark to the records after synchronization is successfully finished.
Description
Technical field:
The present invention relates to payment technical field, especially belong to the mobile payment field.
Background technology:
The development of internet and smart mobile phone, driven the development of mobile Internet, the application of movement-based internet also occurs one after another, still in the mobile payment field, still do not have a kind of in the situation that do not increase user's hardware cost, easily and fast, the application of can off-line carrying out receipt and payment occurs.
In view of this, the object of the invention is to, in the situation that do not increase user's hardware cost, provide a kind of can be convenient, more fast, method and system and program that most of receipt and payment behavior can be carried out under off-line case.
Summary of the invention:
The object of the invention is to, in the situation that do not increase user's hardware cost, provide a kind of can be convenient, more fast, receipt and payment method and system and program that most of receipt and payment behavior can be carried out under off-line case.
The technical scheme that the present invention takes is: " the Account Administration " center " has the user account number of acceptance registration, accept that user account number is supplemented with money, user's receipt and payment record management function, and smart mobile phone client-side program " receipt and payment software " has the user of allowing: mention the account number application, submit the account number charging information to, payment, gathering, synchronous gathering record, synchronous Payment Records function to comprise server;
Its principal character is:
The user in the receipt and payment activity at that time, beneficiary user " receipt and payment software " records this gathering and is recorded on this mobile phone, paying party user " receipt and payment software " records these Payment Records on this mobile phone, be not synchronized at above record that " during the Account Administration " center ", above record is done to " not synchronous " mark; in the situation that " receipt and payment software " detects mobile phone, connected internet, " the Account Administration " center " is synchronously with the record of " not synchronous " mark from trend;
A unique corresponding phone number in user's's " receipt and payment software " the same time of account number, the account number of unique corresponding " receipt and payment software " in the same time of user's phone number.
The account number that the user logins " receipt and payment software " on mobile phone can only be the account number corresponding with this phone number.
When the receipt and payment both sides operate face to face, the paying party user mobile phone client generates the enciphered message comprise " time, paying party account number, beneficiary account number, the amount of money " etc., the beneficiary user mobile phone client receives this information deciphering, in cross-check information, the beneficiary account number account number corresponding with this phone number is consistent, prompting is collected money successfully, and inconsistent prompting gathering is unsuccessful.
Server end " the Account Administration " center " receives the gathering record that the beneficiary user submits to; according to " time, paying party account number, beneficiary account number, the amount of money " information in this record, beneficiary user account number remaining sum is done and increased operation, and paying party user's account number remaining sum is done and subtracted the button operation; Server end " the Account Administration " center " receives the Payment Records that the paying party user submits to; but the corresponding gathering record of not submitting to after beneficiary user mobile phone client login " receipt and payment software " afterwards, system automatic alarm paying party user " this record does not pay successfully " when the paying party user logins; " the Account Administration " center " receives the Payment Records that the paying party user submits to server end; but do not receive the corresponding gathering record that the beneficiary user submits to; the beneficiary user not login that surpasses 5 days simultaneously; there is no timely synchronous recording; system will send the SMS notification beneficiary user synchronous recording of reaching the standard grade in 2 days after receiving note automatically; after 2 days, the beneficiary record is not also submitted to, system automatic alarm paying party user " this record does not pay successfully " when the paying party user mobile phone client is logined.
During user-pay, obtain the beneficiary user account number and (or) mode of Payment Amount can be that cell-phone customer terminal reads the message of requesting for payment that server end pushes and obtains, the short message of requesting for payment that cell-phone customer terminal reads payee's transmission obtains, the near field induction chip of the near field induction installation induction payee embedded in mobile phone that cell-phone customer terminal is built-in obtains, cell-phone customer terminal is listened to the ultrasound wave audio frequency that payee's mobile phone sends and is obtained, the Quick Response Code that cell-phone customer terminal scanning payee shows obtains, also can manually input beneficiary user account number and the amount of money at cell-phone customer terminal during user-pay.
The near field induction chip that the mode of obtaining paying party user-pay information when the user collects money can be that cell-phone customer terminal reads that the request gathering message that server end pushes is obtained, cell-phone customer terminal reads that the request gathering short message that the payer sends obtains, cell-phone customer terminal is listened to the near field induction installation induction payer embedded in mobile phone that Quick Response Code obtains, cell-phone customer terminal is built-in that the ultrasound wave audio frequency obtains, cell-phone customer terminal scanning payer shows that payer's mobile phone sends obtains.
The remaining sum of user's " receipt and payment software " account number must not exceed an appointment limit, while exceeding, exceeds other account numbers that the part amount of money proceeds to user's appointment automatically, and these other account numbers comprise the outer account number of " receipt and payment software " system.
The maximum amount paid of user's " receipt and payment software " account number single, the progressive payment amount of money of every day, the accumulative total amount received of every day, with the Payment Records accumulated quantity of " not synchronous " mark, with the gathering of " not synchronous " mark record accumulated quantity, with the Payment Records accumulating sum of " not synchronous " mark, with the gathering of " not synchronous " mark, record accumulating sum, more than must not exceed an appointment limit, after exceeding, restriction is used.
User mobile phone client " receipt and payment software " account number has the gathering record to be labeled in the situation of " not synchronous ", 5 days these records of inter-sync that the prompting user produces at this gathering record.
Advantage and disadvantage of the present invention is: with the unique binding of user account number and phone number, can only insert effective SIM card and ensure the user account security with this client software, setting limit, information encryption, payment cipher on the mobile phone that can normally be connected mobile base station; With the account (receipt and payment information etc.) of client software be kept at this locality, when being connected with server, the information of the information of automatic synchronization information, server end account and client account allows the asynchronous user of guarantee not to be subject to the round-the-clock use of impact of network environment; The convenience that sends or receive the information of requesting for payment or ask gathering information to realize using by server push carry information, mobile phone short message, coding ultrasound wave audio frequency, mobile phone screen two-dimensional code display, near field induction NFC technology; Can manually input with the paying party user dirigibility that beneficiary account number and the amount of money are paid the bill to realize using; Generate request gathering information by the payment user mobile phone client and at this subscription client, reduce the account number remaining sum, reading by the gathering user mobile phone client request gathering information that the payment user sends increases the user account number remaining sum of collecting money and increases user's receipt and payment speed; Bear that connection server in latter 7 days of gathering is uploaded the obligation of gathering record, the gathering record that is synchronized to server with the beneficiary user is as the criterion and carry out account's clearing, paying party user-pay record with the beneficiary user and upload after 7 days and do not have corresponding beneficiary user to upload the gathering record to return this fund, above three as server book keeping operation process primitive rule.
The accompanying drawing explanation:
Fig. 1: system construction drawing
Fig. 2: user's register flow path figure
Fig. 3: user's login process figure
Fig. 4: user's recharge procedure figure
Fig. 5: user-pay process flow diagram
Fig. 6: user's process flow diagram of collecting money
Fig. 7: " the Account Administration " center " receives " not synchronous gathering record " book keeping operation process flow diagram to server end
Fig. 8: " the Account Administration " center " receives " not synchronous Payment Records " book keeping operation process flow diagram to server end
Fig. 9: " Account Administration " center " marks for treatment has " Payment Records " process flow diagram of " record is coupling not " to server end
Figure 10: cell-phone customer terminal utilizes SMS (short message service) payment process figure
Figure 11: cell-phone customer terminal utilizes SMS (short message service) gathering process flow diagram
Figure 12: cell-phone customer terminal utilization " the payment process figure of Account Administration " center " PUSH message
Figure 13: cell-phone customer terminal utilization " the gathering process flow diagram of Account Administration " center " PUSH message
Figure 14: cell-phone customer terminal utilizes mobile phone speaker to send the payment process figure of ultrasound wave audio frequency
Figure 15: cell-phone customer terminal utilizes mobile phone speaker to send the gathering process flow diagram of ultrasound wave audio frequency
Figure 16: cell-phone customer terminal utilizes the payment process figure of embedded in mobile phone NFC near field induction installation
Figure 17: cell-phone customer terminal utilizes the gathering process flow diagram of embedded in mobile phone NFC near field induction installation
Embodiment:
Below in conjunction with the drawings, the specific embodiment of the present invention is described:
As Fig. 1 system construction drawing, native system comprises:
Server end 1
Smart mobile phone client 2
Smart mobile phone client 2 is equipped with " receipt and payment software " program, has the user of allowing: mention the account number application, submit the account number charging information to, confirm to pay the bill, confirm the functions such as gathering, synchronous gathering are recorded, synchronous Payment Records;
Smart mobile phone client 2 can send mobile phone short message to another smart mobile phone client 2, this short message is the information of requesting for payment or request gathering information, this short message comprises the information such as time, paying party account number, beneficiary account number and the amount of money, beneficiary smart mobile phone client 2 sends request payment information to paying party smart mobile phone client 2, and paying party smart mobile phone client 2 sends request gathering information to beneficiary smart mobile phone client 2;
Smart mobile phone client 2 can by server end " the Account Administration " center " sends request payment message or request gathering message to another smart mobile phone client 2; this message comprises the information such as time, paying party account number, beneficiary account number and the amount of money; beneficiary smart mobile phone client 2 sends request payment message to paying party smart mobile phone client 2, and paying party smart mobile phone client 2 sends request gathering message to beneficiary smart mobile phone client 2;
Smart mobile phone client 2 can send the ultrasound wave audio frequency to another smart mobile phone client 2, this ultrasound wave audio frequency will be requested for payment information or request gathering information coding carrier wave interior, this packets of information is containing information such as time, paying party account number, beneficiary account number and the amount of money, beneficiary smart mobile phone client 2 sends request payment message to paying party smart mobile phone client 2, and paying party smart mobile phone client 2 sends request gathering information to beneficiary smart mobile phone client 2;
Smart mobile phone client 2 can be on mobile phone screen two-dimensional code display, this Quick Response Code will be requested for payment information or request gathering information coding interior, this packets of information is containing information such as time, paying party account number, beneficiary account number and the amount of money, Quick Response Code read requests payment information on paying party smart mobile phone client 2 scanning beneficiary smart mobile phone clients, the Quick Response Code read requests gathering message on beneficiary smart mobile phone client 2 scanning paying party smart mobile phone clients 2;
Smart mobile phone client 2 can built-in near field induction installation, this device includes near field induction NFC chip and near field induction NFC chip fetch equipment, in this chip can be stored in the information of requesting for payment or request gathering information, when two smart mobile phone clients 2 approach, paying party smart mobile phone client 2 induction installations read the information of requesting for payment of beneficiary smart mobile phone client 2 chip-stored, and beneficiary smart mobile phone client 2 induction installations read the request gathering information of paying party smart mobile phone client 2 chip-stored.
As Fig. 2 user's register flow path figure, user's register flow path and requirement are described, the user registers according to following steps after " receipt and payment software " is installed on mobile phone:
201 start " receipt and payment software ";
Whether 202 " receipt and payment software " self-verifying can read this phone number, and the words that are carry out 203, no words prompting user
Check mobile phone;
On 203 " receipt and payment software " self-verifying the machine, whether chartered account number is arranged, no words carry out 204, and the words that are show
Account and the gathering button, the button of paying the bill, supplement button with money;
Whether 204 " receipt and payment software " self-verifying can the connection server end " the Account Administration " center ", the words that are carry out 205,
No words prompting user checks network;
Whether at server end, " the Account Administration " center " has the registration note to 205 " receipt and payment software " this phone number of self-verifying
Record, no words carry out 206, the account that synchronous this phone number of the words that are is corresponding and show information and the gathering button,
The payment button, supplement button with money;
The account number of registration is wanted in 206 user's inputs;
207 " receipt and payment software " checks whether the account number of user's input is registered, and no words enter 208, and the words prompting that is is heavy
New input;
208 input payment ciphers;
209 binding phone numbers;
210 succeed in registration, and show local account information and gathering button, the button of paying the bill, supplement button with money.
As Fig. 3 user's login process figure, user's login process and requirement are described, the user logins according to following steps after " receipt and payment software " is installed on mobile phone:
301 start " receipt and payment software ";
Whether 302 " receipt and payment software " self-verifying can read this phone number, and the words that are carry out 303, no words prompting user
Check mobile phone;
On 303 " receipt and payment software " self-verifying the machine, whether chartered account number is arranged, the words that are carry out 304, and no words enter
Register flow path;
Whether the corresponding phone number of account number on 304 " receipt and payment software " self-verifying the machine is consistent with this phone number, is
Words carry out 305, no words prompting account number and phone number are not inconsistent;
Whether 305 " receipt and payment software " self-verifying can the connection server end " the Account Administration " center ", the words that are carry out 306,
No words show local account and gathering button, the button of paying the bill, supplement button with money;
The account of 306 " receipt and payment software " automatic synchronization cell-phone customer terminals and server end and message box message, upload " not
Synchronous gathering record " and " synchronous Payment Records ", when receiving server end and return to " reception information is successful " to phase
Should record and do " synchronous " mark, after synchronously completing, show local account information and gathering button, payment button, fill
The value button.
As Fig. 4 user's recharge procedure figure, user's recharge procedure and requirement are described, the user, after the upper click of cell-phone customer terminal " receipt and payment software " " supplementing button with money ", supplements with money according to following steps:
401 users click " supplementing button with money ", carry out 402;
Whether 402 " receipt and payment software " self-verifying can the connection server end " the Account Administration " center ", the words that are carry out 403,
No words prompting checks network state;
403 inputs " recharge amount ", carry out 404;
Whether 404 " receipt and payment software " self-verifying recharge amount transfinites, and no words carry out 405, and the words prompting that is is re-entered;
405 select to supplement mode with money, carry out 406;
406 forward Net silver or third party's payment interface to, carry out 407;
Whether 407 reception Net silvers or third party pay the information of returning, successful, and the words prompting successful recharging that is also carries out 408,
No words prompting checks supplements with money;
408 " receipt and payment softwares " increase remaining sum automatically, show local account information and gathering button, the button of paying the bill, supplement button with money.
As Fig. 5 user-pay process flow diagram, user's payment process and requirement are described, the user, after the upper click of cell-phone customer terminal " receipt and payment software " " payment button ", pays the bill according to following steps:
501 users click " payment button ", carry out 502;
502 users input the beneficiary account number, carry out 503;
503 users input Payment Amount, carry out 504;
Whether the Payment Amount of 504 program checkout inputs transfinites, and the words prompting that is is re-entered, and no words carry out 505;
505 users confirm payment;
506 programs are reduced in this cell-phone customer terminal account number remaining sum, increase not synchronous Payment Records, enter 506;
507 generate the scrambled information that comprises information such as " beneficiary account number, paying party account number, time, the amount of money ", should
Scrambled information transfers Quick Response Code to and is presented on mobile phone screen.
As Fig. 6 user's process flow diagram of collecting money, user's gathering flow process and requirement are described, the user cell-phone customer terminal " receipt and payment software " is upper click " gathering button " after, according to following steps, pay the bill:
601 users click " gathering button ", carry out 602;
602 two-dimensional code display scanners, start scanning, carries out 603;
603 scan the Quick Response Code shown on the paying party client screen, and 2 D code information is read in the decoding deciphering, carries out 604;
604 obtain the information such as " beneficiary account number, paying party account number, time, the amount of money " in this information, check in this information
Whether the user account number of " beneficiary account number " and this cell-phone customer terminal is consistent, and the words that are carry out 605, and no words prompting is used
Family payee and the machine account number are not inconsistent;
605 increase operation in this cell-phone customer terminal account number remaining sum, increase the record of synchronously not collecting money;
606 will proceed to the account number that the user sets automatically over the remaining sum limit part amount of money.
As Fig. 7 server end, " the Account Administration " center " receives " not synchronous gathering record " book keeping operation process flow diagram; " Account Administration " center " book keeping operation treatment scheme and requirement are described, server end " the Account Administration " center " is received after " synchronous gathering record ", according to the following steps book keeping operation, processes:
701 " the Account Administration " center " is received " the synchronous gathering record " that user mobile phone client uploads, and carries out 702;
702 decryption informations;
Whether 703 check informations are effective, and the words that are carry out 704, and no words echo check information integrity is to client;
704 return to " success of reception information " to client;
705 according to the information content, and the beneficiary account number is done and increased the remaining sum operation;
706 according to the information content, and the paying party account number is done and subtracted the operation of button remaining sum;
Whether 707 have corresponding Payment Records, and the words that are carry out 708, and no words are done " record is coupling not " to this gathering record
Mark;
708 do " record mates " mark to this gathering record and corresponding Payment Records.
As Fig. 8 server end, " the Account Administration " center " receives " not synchronous Payment Records " book keeping operation process flow diagram; " Account Administration " center " book keeping operation treatment scheme and requirement are described, server end " the Account Administration " center " is received after " synchronous Payment Records ", according to the following steps book keeping operation, processes:
801 " the Account Administration " center " is received " the synchronous Payment Records " that user mobile phone client uploads, and carries out 802;
802 decryption informations;
Whether 803 check informations are effective, and the words that are carry out 804, no words prompting fox message integrality;
804 return to " success of reception information " to client;
805 check whether received corresponding gathering record, the words 806 that are, and no words are done and " are recorded not to these Payment Records
Coupling " mark;
806 do " record mates " mark to these Payment Records and corresponding gathering record.
As Fig. 9 server end " Account Administration " center " marks for treatment has " Payment Records " process flow diagram of " record coupling ", " Account Administration " center " marks for treatment has " Payment Records " of " record is coupling ", and treatment step is as follows:
901 system time 12 noons " the Account Administration " center " search record the rise time surpass 5 days be marked with that " record is not
The coupling " " Payment Records ";
902 " the Account Administration " center " sends SMS message to the corresponding mobile phone of payee's account number in the information found and " asks two
Upload your gathering record in it ", and these Payment Records of mark " sent message ";
903 " the Account Administration " center " is searched transmitting time and is surpassed 2 days be marked with " sent message " and " record mates "
" Payment Records ";
904 " the Account Administration " center " is given " this pair that send SMS message of the corresponding mobile phone of payer's account number in the information found
Money is success not ", increase the client remaining sum, these Payment Records of client are done " not success " mark.
As Figure 10 cell-phone customer terminal utilizes SMS (short message service) payment process figure, according to following steps, pay the bill:
1001 users click " payment button ";
1002 search in SMS whether the request payment information is arranged, and the words that are carry out 1003, and no words prompting is not found please
Ask payment information;
1003 these information of deciphering, read information such as " beneficiary account number, the amount of money " in this information;
1004 user mobile phone client screen displays " beneficiary account number, the amount of money ";
Whether the amount of money that 1005 program checkouts are read transfinites, and the words that are point out invalid, the no words that transfinite to carry out 1006;
1006 users confirm payment;
1007 are reduced in this cell-phone customer terminal account number remaining sum, increase not synchronous Payment Records;
1008 generate scrambled " the request gathering that comprises information such as " beneficiary account number, paying party account number, time, the amount of money "
Information ", should " request gathering information " send on the beneficiary user mobile phone by mobile phone short message.
As Figure 11 cell-phone customer terminal utilizes SMS (short message service) gathering process flow diagram, according to following steps, collect money:
1101 users click " gathering button ", carry out 1102;
1102 search in SMS whether request gathering information is arranged, and the words that are carry out 1103, no words prompting no record;
1103 these information of deciphering, read information such as " beneficiary account number, paying party account number, time, the amount of money " in this information;
Whether 1104 to check in this information the user account number of " beneficiary account number " and this cell-phone customer terminal consistent, and the words that are are carried out
1105, no words prompting user payee and the machine account number are not inconsistent;
The information such as 1105 user mobile phone client screen displays " beneficiary account number, paying party account number, time, the amount of money ", carry out
1005；
1106 users confirm gathering;
1107 are increased in this cell-phone customer terminal account number remaining sum, increase the record of synchronously not collecting money.
As Figure 12 cell-phone customer terminal utilize " the payment process figure of Account Administration " center " PUSH message, according to following steps, pay the bill:
1201 users click " payment button ", carry out 1202;
1202 search in cell-phone customer terminal message box whether " information of requesting for payment that the Account Administration " center " pushes, the words that are are arranged
Carry out 1203, the information of requesting for payment is not found in no words prompting;
1203 read information such as " beneficiary account number, the amount of money " in this information;
1204 user mobile phone client screen displays " beneficiary account number, the amount of money ";
1205 check whether the amount of money read transfinites, and the words that are point out invalid, the no words that transfinite to carry out 1206;
1206 users confirm payment;
1207 are reduced in this cell-phone customer terminal account number remaining sum, increase not synchronous Payment Records, enter 1208;
1208 generate scrambled " the request gathering that comprises information such as " beneficiary account number, paying party account number, time, the amount of money "
Information ", should " ask gathering information " by " Account Administration " center " message push function is pushed to the beneficiary user
On mobile phone.
As Figure 13 cell-phone customer terminal utilize " the gathering process flow diagram of Account Administration " center " PUSH message, according to following steps, collect money:
1301 users click " gathering button ", carry out 1302;
1302 search in cell-phone customer terminal message box whether " the request gathering information that the Account Administration " center " pushes, the words that are are arranged
Carry out 1303, no words prompting no record;
1303 read information such as " beneficiary account number, paying party account number, time, the amount of money " in this information;
Whether 1304 to check in this information the user account number of " beneficiary account number " and this cell-phone customer terminal consistent, and the words that are are carried out
1305, no words prompting user payee and the machine account number are not inconsistent;
The information such as 1305 user mobile phone client screen displays " beneficiary account number, paying party account number, time, the amount of money ", carry out
1306；
1306 users confirm gathering;
1307 are increased in this cell-phone customer terminal account number remaining sum, increase the record of synchronously not collecting money.
Send the payment process figure of ultrasound wave audio frequency as Figure 14 cell-phone customer terminal utilizes mobile phone speaker, pay the bill according to following steps:
1401 users click " payment button ";
1402 payment user mobile phones approach listens to the ultrasound wave audio-frequency information that the gathering user mobile phone sends;
" beneficiary account number " information in this information is read in 1403 decoding deciphering;
1404 user mobile phone client screen displays " beneficiary account number ";
1405 input Payment Amounts;
1406 check whether the Payment Amount of input transfinites, and the words that are point out invalid, the no words that transfinite to carry out 1407;
1407 users confirm payment;
1408 are reduced in this cell-phone customer terminal account number remaining sum, increase not synchronous Payment Records, enter 1409;
1409 generate the encryption " request gathering information " that comprises information such as " beneficiary account number, paying party account number, time, the amount of money ",
Should " request gathering information " be encoded to sound signal, play back by paying party user mobile phone loudspeaker.
Send the gathering process flow diagram of ultrasound wave audio frequency as Figure 15 cell-phone customer terminal utilizes mobile phone speaker, collect money according to following steps:
1501 users click " gathering button ";
1502 beneficiary user mobile phones are play the ultrasound wave audio-frequency information, include " beneficiary account number " in information;
1503 users click " listening to request gathering information ";
1504 beneficiary user mobile phones approach the ultrasound wave audio frequency " request gathering information " of listening to the paying party user mobile phone and sending;
Information such as " beneficiary account number, paying party account number, time, the amount of money " in this information is read in 1505 decoding deciphering;
Whether 1506 to check in this information the user account number of " beneficiary account number " and this cell-phone customer terminal consistent, and the words that are are carried out
1507, no words prompting user payee and the machine account number are not inconsistent;
The information such as 1507 user mobile phone client screen displays " beneficiary account number, paying party account number, time, the amount of money ", carry out
1508；
1508 users confirm gathering;
1509 are increased in this cell-phone customer terminal account number remaining sum, increase the record of synchronously not collecting money.
As Figure 16 cell-phone customer terminal utilizes the payment process figure of embedded in mobile phone NFC near field induction installation, according to following steps, pay the bill:
1601 users click " payment button ";
1602 payment user mobile phones approach the gathering user mobile phone, read the information set in beneficiary user mobile phone NFC device;
" beneficiary account number " information in this information is read in 1603 decoding deciphering;
1604 user mobile phone client screen displays " beneficiary account number ";
1605 input Payment Amounts;
1606 check whether the Payment Amount of input transfinites, and the words that are point out invalid, the no words that transfinite to carry out 1607;
1607 users confirm payment;
1608 are reduced in this cell-phone customer terminal account number remaining sum, increase not synchronous Payment Records, enter 1609;
1609 generate the encryption " request gathering information " that comprises information such as " beneficiary account number, paying party account number, time, the amount of money ",
Should " request gathering information " write in the machine NFC device.
As Figure 17 cell-phone customer terminal utilizes the gathering process flow diagram of embedded in mobile phone NFC near field induction installation, according to following steps, collect money:
1701 users click " gathering button ", carry out 1702;
1702 beneficiary user mobile phones approach the paying party user mobile phone, read " asking of writing in paying party user mobile phone NFC device
Ask gathering information ";
Information such as " beneficiary account number, paying party account number, time, the amount of money " in 1703 these information of deciphering;
Whether 1704 to check in this information the user account number of " beneficiary account number " and this cell-phone customer terminal consistent, and the words that are are carried out
1705, no words prompting user payee and the machine account number are not inconsistent;
The information such as 1705 user mobile phone client screen displays " beneficiary account number, paying party account number, time, the amount of money ";
1706 users confirm gathering;
1707 are increased in this cell-phone customer terminal account number remaining sum, increase the record of synchronously not collecting money.
Description of the invention is for for the purpose of example and explanation, is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment with various modifications that the present invention's design is suitable for special-purpose.
Specific embodiment:
Specific embodiment one:
This embodiment simple declaration main method of the present invention and step, only adopted a kind of mode of planar bar code technology in bank settlement operation.
The registering account operation instructions, in the situation that netizen's smart mobile phone connecting Internet, the netizen downloads and installs client software " receipt and payment software " on the smart mobile phone of oneself, after installing, start by " receipt and payment software ", software extracts this phone number as the account number of suggestion use and points out the user to agree log-in protocol and password is set, demonstration after confirming to register " congratulate! Your account number xxxxxxxx succeeds in registration! After supplementing with money, can bring into use, new user supplements 100 yuan of maximum amounts with money, and new user consumes 50 yuan of maximum amounts every day.”
After succeeding in registration, client shows " supplementing with money " button; The user clicks " supplementing with money ", and software guiding user enters the payment page, after supplementing with money and paying successfully, and demonstration account balance and " gathering ", " payment ", " supplementing with money " three buttons on software.
The bank settlement operation instructions, after the paying party user starts software, click payment, input beneficiary user " phone number " is beneficiary user account number and Payment Amount, click " confirming payment ", a pattern in 2 D code occurs, this 2 D code information comprises this complete payment information content, and " certain time, paying party account number ' xxx ' to the beneficiary account number ' xxx ' payment is how many.", this 2 D code information is enciphered message, illustrates while this Quick Response Code occurring that this paying party user has carried out irreversible payment operation, this operation can change the local remaining sum of this user account, and no matter whether this Quick Response Code has and read by the beneficiary user; The beneficiary user starts " the receipt and payment software " on mobile phone, click gathering, a Quick Response Code scan box appears, when this Quick Response Code scan box scans the payment Quick Response Code on paying party user mobile phone screen, decode and verify whether the beneficiary account number in 2 D code information conforms to this phone number, as the prompting that conforms to " is received XXX unit, is thanked and use ".Above operation does not need connecting Internet, and receipt and payment information is kept on this mobile phone, and is labeled as not synchronous recording, and roll display synchronous recording not.When receive fund be greater than 50 yuan not synchronous, or payout is greater than 50 yuan when synchronous, software prompt " please the synchronous receipt and payment record of first connecting Internet, and then carry out the receipt and payment operation.”。In the situation that mobile phone connecting Internet, automatic software updating receipt and payment record.
The beneficiary record that server end " CAC " uploads to center with client " receipt and payment software " is as the criterion and is settled accounts; This system definition beneficiary is required to pay more notice and carrys out synchronizing information.The user has in the situation of the record of collecting money, and should record timely networking synchronous recording in 7 days that produce in gathering.
The bank settlement record that server end receives does not conform to and is divided into three kinds of situations: one, the beneficiary user has submitted the gathering record to, the paying party user does not submit Payment Records to, in this situation, system automatic alarm paying party " this record pays successfully ", and be recorded in paying party client user remaining sum and subtracted the button operation according to this; Two, the beneficiary user does not submit the gathering record to, the paying party user has submitted Payment Records to, the beneficiary user surpasses 5 days does not simultaneously have login, new record more not in time, system is notified the beneficiary user the more new record of reaching the standard grade by automatic short message, and gives 2 days time allowances, and after 2 days, the beneficiary record is not also submitted to, system automatic alarm paying party " this record does not pay successfully ", and be recorded in paying party client user remaining sum and increase operation according to this; Three, the paying party user has submitted Payment Records to, the beneficiary user logined the connection server end in 5 days, but automatically do not submit corresponding gathering record to, system automatic alarm paying party " this record does not pay successfully ", and be recorded in paying party client user remaining sum and increase operation according to this.
Specific embodiment two:
This embodiment shows the method that realizes user mobile phone client interchange bank settlement information by the multiple technologies mode.
After user's registration and successful recharging, the user logins in client, shows account balance and " gathering ", " payment ", " supplementing with money " three buttons on client software.
The step that exchanges bank settlement information between user mobile phone client has following four steps;
1, the beneficiary user sends the method for " information of requesting for payment " that includes beneficiary account number and the amount of money;
Client software provides one or more methods to select to the user, comprising: A beneficiary user sends " information of requesting for payment " short message by client software to the paying party user mobile phone; By client software, to server end, " the Account Administration " center " sends " information of requesting for payment " to B beneficiary user, and " the Account Administration " center " pushes and is somebody's turn to do " information of requesting for payment " message to the paying party subscription client server end again; C beneficiary user compiles " information of requesting for payment " for the ultrasound wave sound signal by client software, then plays back by mobile phone speaker; D beneficiary user by client software encode " information of requesting for payment " for Quick Response Code, be presented on mobile phone screen; E beneficiary user writes " information of requesting for payment " by client software to the NFC chip in the near field induction installation of embedded in mobile phone.
2, the paying party user receives the method for " information of requesting for payment " that includes beneficiary account number and the amount of money;
Client software provides one or more methods to select to the user, comprising: A paying party subscription client software checks in mobile phone short message to be had and there is no " information of requesting for payment " short message, some words reading informations; B paying party subscription client checks in " receipt and payment software " " message box " to be had and there is no " information of requesting for payment " message, some words reading informations; C paying party subscription client approaches " the ultrasound wave sound signal of the information of requesting for payment, then decoding deciphering reading information of including of listening to the broadcasting of beneficiary user mobile phone; D paying party subscription client mobile phone cam is taken the Quick Response Code that comprises " information of requesting for payment " shown on scanning beneficiary mobile phone screen, then decoding deciphering reading information; E paying party subscription client approaches " information of requesting for payment " of the NFC chip-stored in the near field induction installation of responding to the beneficiary embedded in mobile phone, then decoding deciphering reading information.
3, the paying party user sends the method for " the request gathering information " that includes time, paying party account number, beneficiary account number and the amount of money;
Client software provides one or more methods to select to the user, comprise: A paying party subscription client software reads " payee's account number, the amount of money " information in " information of requesting for payment ", show that " payee's account number, the amount of money " is on mobile phone screen, the paying party user determines payment, generation comprises " time, payee's account number, payer's account number, the amount of money " " request gathering information ", to the beneficiary subscriber phone number, sends and should " ask gathering information "; B paying party subscription client software reads " payee's account number, the amount of money " information in " information of requesting for payment ", show that " payee's account number, the amount of money " is on mobile phone screen, the paying party user determines payment, generation comprises " time, payee's account number, payer's account number, the amount of money " " request gathering information ", to server end " CAC ", sending should " request gathering information ", server end " CAC " will be somebody's turn to do " request gathering information pushing is inside the message box of beneficiary subscription client; C paying party subscription client software reads " payee's account number, the amount of money " information in " information of requesting for payment ", show that " payee's account number, the amount of money " is on mobile phone screen, the paying party user determines payment, generation comprises " time, payee's account number, payer's account number, the amount of money " " request gathering information ", should " request gathering information " scrambled be the ultrasound wave sound signal, play back by mobile phone speaker; D paying party subscription client software reads " payee's account number, the amount of money " information in " information of requesting for payment ", show that " payee's account number, the amount of money " is on mobile phone screen, the paying party user determines payment, generation comprises " time, payee's account number, payer's account number, the amount of money " " request gathering information ", should " request gathering information " scrambled be Quick Response Code, by mobile phone screen, show this Quick Response Code; E paying party subscription client software reads " payee's account number, the amount of money " information in " information of requesting for payment ", show that " payee's account number, the amount of money " is on mobile phone screen, the paying party user determines payment, generation comprises " time, payee's account number, payer's account number, the amount of money " " request gathering information ", will be somebody's turn to do " request gathering information " and write to the NFC chip in the near field induction installation of embedded in mobile phone by client software.
In above method, " ' payee's account number, the amount of money ' information during paying party subscription client software reads ' information of requesting for payment ' " also can replace with " paying party the user manually input ' payee's account number, the amount of money ' ".When " paying party the user manually input ' payee's account number, the amount of money ' ", the step that exchanges bank settlement information between user mobile phone client is reduced to two steps by four steps, by 1,2,3,4 four steps, is reduced to 3,4 liang of steps when adopting.
4, the beneficiary user receives the method for " the request gathering information " that includes time, paying party account number, beneficiary account number and the amount of money;
Client software provides one or more methods to select to the user, comprising: A beneficiary subscription client software checks in mobile phone short message to have does not have " request gathering information " short message, some words reading informations; B beneficiary subscription client checks in " receipt and payment software " " message box " to have does not have " request gathering information " message, some words reading informations; C beneficiary subscription client approaches listens to the ultrasound wave sound signal that includes " request gathering information " that the paying party user mobile phone is play, then decoding deciphering reading information; D beneficiary subscription client mobile phone cam is taken the Quick Response Code that comprises " information of requesting for payment " shown on scanning paying party mobile phone screen, then decoding deciphering reading information; E beneficiary subscription client approaches " the request gathering information " of the NFC chip-stored in the near field induction installation of responding to the paying party embedded in mobile phone, then decoding deciphering reading information.
Claims (10)
1. method of mobile payment and system and a program of supporting the off-line receipt and payment: " the Account Administration " center " has the registration of the user account number of acceptance, accept that user account number is supplemented with money, user's receipt and payment record management function, and smart mobile phone client-side program " receipt and payment software " has the user of allowing: mention the account number application, submit the account number charging information to, payment, gathering, synchronous gathering record, synchronous Payment Records function to comprise server;
Its principal character is:
The user in the receipt and payment activity at that time, beneficiary user " receipt and payment software " records this gathering and is recorded on this mobile phone, paying party user " receipt and payment software " records these Payment Records on this mobile phone, be not synchronized at above record that " during the Account Administration " center ", above record is done to " not synchronous " mark; in the situation that " receipt and payment software " detects mobile phone, connected internet, " the Account Administration " center " is synchronously with the record of " not synchronous " mark from trend.
2. method of mobile payment according to claim 1 and system and program, it is characterized in that: a unique corresponding phone number in user's's " receipt and payment software " the same time of account number, the account number of unique corresponding " receipt and payment software " in the same time of user's phone number.
3. method of mobile payment according to claim 1 and system and program, it is characterized in that: the account number that the user logins " receipt and payment software " on mobile phone can only be the account number corresponding with this phone number.
4. method of mobile payment according to claim 1 and system and program, it is characterized in that: when the receipt and payment both sides operate face to face, the paying party user mobile phone client generates the enciphered message comprise " time, paying party account number, beneficiary account number, the amount of money " etc., the beneficiary user mobile phone client receives this information deciphering, in cross-check information, the beneficiary account number account number corresponding with this phone number is consistent, prompting is collected money successfully, and inconsistent prompting gathering is unsuccessful.
5. method of mobile payment according to claim 1 and system and program, it is characterized in that: server end " the Account Administration " center " receives the gathering record that the beneficiary user submits to; according to " time, paying party account number, beneficiary account number, the amount of money " information in this record, beneficiary user account number remaining sum is done and increased operation, and paying party user's account number remaining sum is done and subtracted the button operation; Server end " the Account Administration " center " receives the Payment Records that the paying party user submits to; but the corresponding gathering record of not submitting to after beneficiary user mobile phone client login " receipt and payment software " afterwards, system automatic alarm paying party user " this record does not pay successfully " when the paying party user logins; " the Account Administration " center " receives the Payment Records that the paying party user submits to server end; but do not receive the corresponding gathering record that the beneficiary user submits to; the beneficiary user not login that surpasses 5 days simultaneously; there is no timely synchronous recording; system will send the SMS notification beneficiary user synchronous recording of reaching the standard grade in 2 days after receiving note automatically; after 2 days, the beneficiary record is not also submitted to, system automatic alarm paying party user " this record does not pay successfully " when the paying party user mobile phone client is logined.
6. method of mobile payment according to claim 1 and system and program, it is characterized in that: during user-pay, obtain the beneficiary user account number and (or) mode of Payment Amount can be that cell-phone customer terminal reads the message of requesting for payment that server end pushes and obtains, the short message of requesting for payment that cell-phone customer terminal reads payee's transmission obtains, the near field induction chip of the near field induction installation induction payee embedded in mobile phone that cell-phone customer terminal is built-in obtains, cell-phone customer terminal is listened to the ultrasound wave audio frequency that payee's mobile phone sends and is obtained, the Quick Response Code that cell-phone customer terminal scanning payee shows obtains, also can manually input beneficiary user account number and the amount of money at cell-phone customer terminal during user-pay.
7. method of mobile payment according to claim 1 and system and program is characterized in that: the near field induction chip that the mode of obtaining paying party user-pay information when the user collects money can be that cell-phone customer terminal reads that the request gathering message that server end pushes is obtained, cell-phone customer terminal reads that the request gathering short message that the payer sends obtains, cell-phone customer terminal is listened to the near field induction installation induction payer embedded in mobile phone that Quick Response Code obtains, cell-phone customer terminal is built-in that the ultrasound wave audio frequency obtains, cell-phone customer terminal scanning payer shows that payer's mobile phone sends obtains.
8. method of mobile payment according to claim 1 and system and program, it is characterized in that: the remaining sum of user's " receipt and payment software " account number must not exceed an appointment limit, while exceeding, exceed other account numbers that the part amount of money proceeds to user's appointment automatically, these other account numbers comprise the outer account number of " receipt and payment software " system.
9. method of mobile payment according to claim 1 and system and program, it is characterized in that: the maximum amount paid of user's " receipt and payment software " account number single, the progressive payment amount of money of every day, the accumulative total amount received of every day, with the Payment Records accumulated quantity of " not synchronous " mark, with the gathering of " not synchronous " mark record accumulated quantity, with the Payment Records accumulating sum of " not synchronous " mark, with the gathering of " not synchronous " mark, record accumulating sum, more than must not exceed an appointment limit, after exceeding, restriction is used.
10. method of mobile payment according to claim 1 and system and program, it is characterized in that: user mobile phone client " receipt and payment software " account number has the gathering record to be labeled in the situation of " not synchronous ", 5 days these records of inter-sync that the prompting user produces at this gathering record.
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| CN106373290A (en) * | 2016-11-04 | 2017-02-01 | 深圳市亚略特生物识别科技有限公司 | Intelligent certificate handling device |
| CN106453657A (en) * | 2016-12-07 | 2017-02-22 | 海信集团有限公司 | Status information update method and device of smart home equipment |
| CN106980965A (en) * | 2017-02-24 | 2017-07-25 | 济南汉泰信息科技有限公司 | A kind of method of payment, system and electronic equipment |
| CN106920100A (en) * | 2017-03-22 | 2017-07-04 | 上海诺亚投资管理有限公司 | A kind of electronic money trading method and system |
| CN107705109A (en) * | 2017-09-26 | 2018-02-16 | 上海爱浚可环保科技有限公司 | It is a kind of based on terminal device without consumption on network method and apparatus |
| CN110414959A (en) * | 2019-07-30 | 2019-11-05 | 中国联合网络通信集团有限公司 | A kind of method of payment and system based on block chain |
| CN110414959B (en) * | 2019-07-30 | 2022-04-12 | 中国联合网络通信集团有限公司 | Payment method and system based on block chain |
| CN112613875A (en) * | 2019-10-04 | 2021-04-06 | 游戏橘子数位科技股份有限公司 | Method for establishing public fund |
| CN112434110A (en) * | 2020-11-23 | 2021-03-02 | 卡车司机（北京）科技有限公司 | Weighing management method and device and computer readable storage medium |
| TWI789777B (en) * | 2021-06-02 | 2023-01-11 | 華南商業銀行股份有限公司 | Payment system |
| CN113537973A (en) * | 2021-08-25 | 2021-10-22 | 苏州触达信息技术有限公司 | Rapid payment method and system based on ultrasonic sound waves |
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