WO2015000365A1

WO2015000365A1 - Quick payment method and system based on location information

Info

Publication number: WO2015000365A1
Application number: PCT/CN2014/080308
Authority: WO
Inventors: 徐业军
Original assignee: Xu Yejun
Priority date: 2013-07-04
Filing date: 2014-06-19
Publication date: 2015-01-08
Also published as: CN103400265A

Abstract

The present invention relates to a quick payment method and system based on location information. The payment method comprises: a mobile terminal sending obtained location information and pre-stored payment account information to a backend processing subsystem; the backend processing subsystem performing a matching operation on the location information and the payment account information, sending a one-time password to the mobile terminal, and correspondingly associating first combined data consisting of the location information and the one-time password with the payment account information; the mobile terminal displaying the one-time password; a payment end receiving the one-time password input by a user; and the backend processing subsystem performing a matching operation on second combined data and the first combined data, extracting the payment account information according to the first combined data, and performing a deduction operation on a corresponding payment account according to transaction amount information of the payment end. The present invention effectively improves an existing payment manner and is simple to use, a transaction speed is quick, and the transaction is safe.

Description

Fast payment method and system based on location information

The present invention relates to a mobile payment method and system. Background art

At present, third-party payment services, especially Internet payment services, have entered a mature stage, but they still maintain rapid growth. With the competition in the market and the book drama, the third-party payment companies have a diversified business diversification trend. The business scope covers Internet payment, mobile payment, bank card receipt, etc., and continues to innovate business models. For this reason, various payment companies have introduced some innovative products. Technology, such as attempting to implement offline payment (ie, payment) for online accounts by remote technology, including sonic payment, two-dimensional code scanning payment, etc., but such payment technology generally has the following problems: (1) technical requirements There is a gap between the traditional offline payment environment and limited application scenarios. For example, QR code scanning payment needs to be replaced or added with special equipment for merchants to improve the difficulty and complexity of implementation and increase transaction costs. (2) Experience and tradition There is a certain gap between offline payments, and it is even more impossible to replace or exceed. If there are more payment links, it will lead to complicated operation and long trading time. Summary of the invention

SUMMARY OF THE INVENTION An object of the present invention is to provide a fast payment method based on location information, which can solve the problem of high transaction cost and low transaction efficiency.

In order to achieve the above object, the technical solution adopted by the present invention is as follows: A fast payment method based on location information, comprising the following steps:

A. The location information in the location tag is obtained by the mobile terminal, and the obtained location information and the payment account information pre-existing in the mobile terminal are sent to the background processing subsystem, where the location label is set at the transaction place, where The location tag can be located at the entrance or adjacent location of the transaction site;

B. Through the background processing subsystem, the location information and the payment account information from the mobile terminal are respectively matched with the location information and the payment account information pre-existing in the background processing subsystem, and the matching is passed through the subsequent book to generate And storing the __ secondary password, and sending the one-time password to the mobile terminal, the first composite data composed of the location information acquired by the mobile terminal and the one-time password, and the payment of the mobile terminal Corresponding association of account information;

C. Display, by the mobile terminal, the one-time password;

D. The user receives the one-time password input by the user through the payment terminal, and sends the one-time password, the location information pre-stored by the payment terminal, and the transaction amount information generated by the payment terminal to the background processor. System

E. The second composite data composed of the location information from the payment terminal and the one-time password from the payment terminal is matched with the first composite data stored by the background processing subsystem by the background processing subsystem, and after matching, according to the The corresponding relationship between the composite data and the payment account information of the mobile terminal is used to retrieve the payment account information of the mobile terminal, and the corresponding payment account is debited according to the transaction amount information of the payment terminal.

Preferably, the one-time password has validity period information; in step E, After the background processing subsystem verifies the validity period information of the one-time password, the deduction operation is performed after the verification is passed.

Preferably, in step C, before the mobile terminal displays the one-time password, the following steps are further performed: receiving, by the mobile terminal, a security password input by the user and sending the security password to the background processing subsystem. And matching, by the background processing subsystem, the security password from the mobile terminal and the security password pre-existing in the background processing subsystem, after the matching is passed, allowing the mobile terminal to The password is displayed. Book

Preferably, after step E, there is the following step: returning the result of the debit operation to the payment terminal for display by the background processing subsystem.

Preferably, the location tag is one of a two-dimensional code, a bar code, a text, a pattern or a radio frequency chip and other identifiable types.

The present invention also discloses a location information based fast payment system for use in a system having a location tag, a mobile terminal, a payment terminal, and a background processing subsystem, which includes the following modules:

The module A is configured to obtain location information in the location tag by using the mobile terminal, and send the obtained location information and payment account information pre-existing in the mobile terminal to a background processing subsystem, where the location label is set in the transaction. Place

a module B, configured to perform, by using the background processing subsystem, location information and payment account information from the mobile terminal to match location information and payment account information pre-existing in the background processing subsystem, and after matching Generating and storing a __secondary password, and transmitting the one-time password to the mobile terminal, obtaining the mobile terminal The first composite data composed of the obtained location information and the one-time password is associated with the payment account information of the mobile terminal;

a module C, configured to display the one-time password by using the mobile terminal, and a module D, configured to receive, by using the payment terminal, the one-time password input by a user, and the one-time password, the payment The location information pre-stored and the transaction amount information generated by the payment terminal are sent to the background processing subsystem;

a module E, configured to perform, by using the background processing subsystem, a matching operation between the second composite data of the book from the payment terminal and the first password data from the payment terminal, and the first composite data stored by the background processing subsystem, After the matching is passed, the payment account information of the mobile terminal is retrieved according to the correspondence between the first composite data and the payment account information of the mobile terminal, and the corresponding payment account is debited according to the transaction amount information of the payment terminal.

Preferably, the one-time password has validity period information; the module E is further used to verify the validity period information of the one-time password through the background processing subsystem, and the deduction operation is performed after the verification is passed.

Preferably, before the displaying, by the mobile terminal, the one-time password, the module C is further configured to receive, by the mobile terminal, a security password input by a user and send the security password to a background processing subsystem; And for matching, by the background processing subsystem, the security password from the mobile terminal and the security password pre-existing in the background processing subsystem, after the matching is passed, allowing the mobile terminal to perform the one-time The password is displayed.

Preferably, the location information based fast payment system further comprises a module F for The background processing subsystem returns the result of the debit operation to the payment terminal for display.

The invention has the following beneficial effects:

It can effectively improve the existing payment methods and realize various new fast payment scenarios. It is simpler to use, faster in transaction, easier to talk and safer, and has the following advantages:

1) The application scenario is wide and the use is simpler. Applicable to bank card-free card-based on-site payment and mobile payment scenarios, the user only needs to obtain a one-time password after the book identifies the store's location tag through the mobile terminal, and enter a one-time password on the store cash register or the transaction device's keyboard. When the payment is completed, the user only needs to obtain the one-time password after the mobile terminal identifies the location label of the website, and enters the one-time password in the online cashier payment program to complete the payment;

2) The transaction speed is faster. The step-by-step process reduces the processing time of the payment link, and performs the verification of the user identity and the assignment of the one-time password operation during the transit time before the user enters the store, selects the goods or services, and pays the fee to the cashier. The time required is not reflected in the payment link. The user experience is not obvious; the payment link takes less time than other payment methods. Applicable to the card card on-site card-free payment scenario, no need to swipe the card, just enter the one-time password, the speed is faster; suitable for Internet payment and mobile payment scenarios, can simplify the transaction process and improve the transaction speed, Achieve the same application effect as the card card on-site cardless payment scenario;

3) The transaction is safer. The user uses the mobile terminal that the person carries with him, and only views the one-time password and the one-time password within the personal line of sight only in the background processing subsystem. The department generates and verifies that the whole process is in a safe and controllable environment; no sensitive information data such as user payment accounts and payment passwords are transmitted between the payment end and the background processing subsystem to reduce the risk of leakage; once the one-time password is used once Immediately void, each time is different and time-limited, more secure than using a fixed payment password each time. BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flow chart of a principle of a fast payment method based on location information according to a preferred embodiment of the present invention;

2 is a software module diagram of a fast payment system based on location information according to a preferred embodiment of the present invention;

FIG. 3 is a software flow diagram of a method for fast payment based on location information according to a preferred embodiment of the present invention. detailed description

The invention will now be further described in conjunction with the drawings and specific embodiments. As shown in FIG. 1 , a location information-based fast payment method includes the following steps: S1, acquiring location information in a location tag by using a mobile terminal, and pre-preserving the obtained location information and pre-existing in the mobile terminal. The payment account information is sent to the background processing subsystem. The location tag may be a two-dimensional code, a barcode, a text, a pattern, or a radio frequency chip and other identifiable types, that is, the location information may be encoded and displayed in a location tag by using a two-dimensional code, a barcode, a text, or a pattern. Mobile terminal The position information can be obtained by shooting the position label through the camera. The position information can also be written into the RF chip (such as NFC chip) before or after encoding, and the mobile terminal can read the corresponding data through the NFC sensor. location information. The location tag is located at a transaction place, and the transaction place includes a physical place such as a store or a network place such as an e-commerce website, and the location tag can be set in a manner of posting or displaying at the entrance of the transaction place or the conspicuous position of the nearby area. Multiple locations in the vicinity or associated with each other can share the same location label.

Step S2: Perform, by the background processing subsystem, the location information and the payment account information of the book from the mobile terminal to match the location information and the payment account information pre-existing in the background processing subsystem, and after matching, generate and And storing the one-time password to the mobile terminal, the first composite data composed of the location information acquired by the mobile terminal and the one-time password, and the payment account of the mobile terminal The information is associated, and the one-time password also has validity period information.

Step S3, receiving, by the mobile terminal, a security password input by the user, and sending the security password to the background processing subsystem, and the security password from the mobile terminal and the pre-existing of the background processing subsystem are processed by the background processing subsystem. The security password performs a matching operation, and after the matching is passed, the mobile terminal is allowed to display the one-time password, that is, the one-time password is allowed to be displayed by the mobile terminal.

Step S4: The user receives the one-time password input by the user through the payment terminal, and sends the one-time password, the location information pre-stored by the payment terminal, and the transaction amount information generated by the payment terminal to the background processing. Subsystem.

Step S5, through the background processing subsystem, the location information from the payment terminal and The second composite data composed of one password of the payment terminal is matched with the first composite data stored by the background processing subsystem, and the validity period information of the one-time password is verified, matched and verified by the background processing subsystem. After the transaction, the payment account information of the mobile terminal is retrieved according to the correspondence between the first composite data and the payment account information of the mobile terminal, and the corresponding payment account is debited according to the transaction amount information of the payment end, and the corresponding The payment said account refers to an account corresponding to the payment account information of the mobile terminal. Thereby, the one-time password is constrained to be valid within a certain effective time within a certain range of location tags. book

Step S6: Return the result of the deduction operation to the payment terminal through the background processing subsystem to display whether the transaction is successful.

Correspondingly, corresponding to the foregoing method, the embodiment further discloses a location information-based fast payment system, which is applied to a system having a location tag, a mobile terminal, a payment terminal, and a background processing subsystem, and includes the following modules:

The module A is configured to obtain location information in the location tag by using the mobile terminal, and send the obtained location information and payment account information pre-existing in the mobile terminal to a background processing subsystem, where the location label is set in the transaction. The entrance or proximity of the site.

a module B, configured to perform, by using the background processing subsystem, location information and payment account information from the mobile terminal to match location information and payment account information pre-existing in the background processing subsystem, and after matching Generating and storing a __a sub-password, and transmitting the one-time password to the mobile terminal, the first composite data composed of the location information acquired by the mobile terminal and the one-time password, and the mobile terminal The payment account information is associated with the corresponding association. The one-time password also has an expiration date a module C, configured to receive, by the mobile terminal, a security password input by a user, and send the security password to a background processing subsystem, and use a background security subsystem to secure a password from the mobile terminal to the background The security password of the processing subsystem performs a matching operation, and after the matching is passed, the mobile terminal is allowed to display the one-time password, that is, the mobile terminal is allowed to display the one-time password.

The module D is configured to receive, by the payment terminal, the one-time password input by the user, and send the one-time password, the location information of the pre-stored book of the payment terminal, and the transaction amount information generated by the payment terminal to the background. Processing subsystem.

a module E, configured to perform, by using the background processing subsystem, a matching operation between the location information from the payment terminal and the second composite data composed of the one-time password from the payment terminal, and the first composite data stored by the background processing subsystem, And validating, by the background processing subsystem, the validity period information of the one-time password, after matching and verifying, extracting the payment account of the mobile terminal according to the correspondence between the first composite data and the payment account information of the mobile terminal The information is debited according to the transaction amount information of the payment end to the corresponding payment account.

Module F is used to return the result of the debit operation to the payment terminal display through the background processing subsystem.

Hereinafter, the embodiment will be described in detail in conjunction with a specific software example.

As shown in FIG. 2, a location information based fast payment system includes a location tag 1, a mobile terminal 2 (e.g., a smart phone), a payment terminal 3, and a background processing subsystem 4. The mobile terminal 2 acquires the location letter in the location tag 1 through the camera or the near field sensor Interest 1 1. The mobile terminal 2 communicates with the background processing subsystem 4 via the network. The payment terminal 3 communicates with the background processing subsystem 4 via a network or communication interface.

The background processing subsystem 4 has a location data management module 41, a one-time password management module 42, and a payment account management module 43.

The location data management module 41 is capable of storing and managing all the location information in the fast payment system of the present embodiment. The first constraint rule ensures that all the location information 1 1 is not duplicated, and provides a fast search and location function judgment. Whether the location information exists. The location data management module 41 is also capable of cooperating with the one-time book password management module 42 to ensure that the first composite data consisting of the location information 1 1 and the one-time password 5 in the background processing subsystem 4 is mutually exclusive by a unique constraint rule. Repeating, providing a fast lookup location function to determine whether the first composite data exists. The location data management module 41 and the one-time password management module 42 can also cooperate with the payment account management module 43 to establish a plurality of __ corresponding association relationships of the first composite data and the plurality of payment account information, so as to quickly find the The first composite data obtains payment account information corresponding thereto.

The one-time password management module 42 is capable of storing and managing all the one-time passwords 5 in the fast payment system of the embodiment, and provides a function of creating, clearing, and querying. The one-time password management module 42 creates a one-time password 5 according to a certain service and risk management rule. For example, the validity period of the one-time password 5 should be appropriate and the validity period of the one-time password 5 associated with the different location information 1 1 may be different. The one-time password management module 42 can cooperate with the location data management module 41 and the payment account management module 43 to provide related management functions. The one-time password management module 42 can cooperate with the mobile terminal 2 to transmit the one-time password 5 to the mobile terminal 2 in a secure manner such as encrypted transmission. The payment account management module 43 is capable of storing and managing payment account information and status data of all users in the fast payment system of the embodiment, one or more security password data of each user, and the like, and providing debiting from the user payment account. Trading operations. The payment account management module 43 can cooperate with the mobile terminal 2 to authenticate the identity of the user in a manner that verifies whether the security password corresponding to the user payment account is correct.

The location tag 1 includes location information 1 1 that can be said to be located by the background processing subsystem 4. The location information 1 1 may be encoded and displayed on the location label 1 by using a two-dimensional code or a barcode or text or image or other identifiable manner, or the pre-encoded or encoded data may be written into the location label 1 It can be set in a radio frequency chip that can be identified by wireless sensing or in other readable devices. In order to improve system security, the location information 1 1 may adopt an encrypted coding mode, and the mobile terminal 2 recognizes and acquires and decrypts to obtain the location information 1 1 .

The one-time password 5 has one-time password information and other data such as a valid expiration date if necessary. For example, the mobile terminal 2 can decide whether to actively destroy the one-time password 5 by determining whether the one-time password 5 exceeds the validity period. The one-time password 5 is generated by the background processing subsystem 4 associated with the location information 1 1 included in the specific location label 1, and is valid only in the range of the location where the location label 1 is set, and is valid within a certain time range, that is, the location information. The first composite data composed of 1 1 and the one-time password 5 remains unique within the entire system during the validity period of the one-time password 5, and the one-time password 5 exceeding the validity period will be cleared or transferred by the background processing subsystem 4.

The mobile terminal 2 includes a tag data obtaining module 21, a payment account management module 22, and a one-time password management module 23. The tag data acquisition module 21 captures an image or Wireless sensing or other feasible means to identify or obtain location information 1 included in location tag 1. The payment account management module 22 manages and stores the user's payment account information after completing the user identity authentication by cooperating with the background processing subsystem 4. The one-time password management module 23 communicates with the background processing subsystem 4 through the network in an encrypted manner to obtain a one-time password 5 and manage and store it.

The payment terminal 3 includes a location data management module 31. The location data management module 31 can set, store and read location information 1 1. Of course, from the perspective of the hardware device, the payment terminal 3 needs to have a password input device, and the password input device can provide an operation interface for the user to input the one-time password 5. After receiving the one-time password 5, the payment terminal 3 sends the location information 1 1 and the one-time password 5 and the transaction amount to the background processing subsystem 4 to perform the transaction operation through the communication interface or the network, and the location information of the payment terminal 3 1 1 And the one-time password 5 constitutes the second composite data, and then receives the transaction result returned by the background processing subsystem 4 and displays it.

The transaction flow of the fast payment method of the present embodiment will be described with reference to Figs. 2 and 3. Includes the following steps:

Step S201, the user uses the tag data obtaining module 21 of the mobile terminal 2 to obtain the location information 1 1 included in the location tag 1 of the transaction site entrance or the vicinity, and proceeds to step S202;

Step S202, if the location information 1 1 is successfully obtained, go to step S203, otherwise go to step S209;

Step S203, the mobile terminal 2 uses the payment account management module 22 to read the internally stored payment account information, and passes the payment account information together with the location information 1 1 and the like. The network is sent to the background processing subsystem 4, and proceeds to step S204;

Step S204, the background processing subsystem 4 uses the location data management module 41 to check whether the received location information 1 1 exists, and if not, indicates that the data is abnormal; and the payment account management module 43 checks whether the received payment account information exists and Whether the status is normal, if it does not exist or the status is abnormal, it indicates that there is an abnormality in the data; if there is no abnormality, go to step S205, otherwise go to step S209;

Step S205, the background processing subsystem 4 generates and stores the one-time password 5 by using the one-time password management module 42. The one-time book password management module 42 and the location data management module 41 and the payment account management module 43 cooperate with the location information. The first composite data composed of the one-time password 5 and the one-time password 5 are associated with the payment account information, and the one-time password 5 is sent back to the mobile terminal 2 through the network in an encrypted manner, and the process proceeds to step S206;

Step S206, the mobile terminal 2 uses the one-time password management module 23 to obtain and store the one-time password 5 from the background processing subsystem 4, and asks the user to input the security password to verify the identity, and proceeds to step S207;

Step S207, the mobile terminal 2 uses the payment account management module 22 and the background processing subsystem 4 to verify the correctness of the security password, if it is correct, go to step S208, otherwise go to step S209;

Step S208, the mobile terminal 2 displays the one-time password 5 to the user, and the user starts to select the desired product or service, and proceeds to step S301;

Step S209, the mobile terminal 2 displays an error message, and the current payment operation is abnormally suspended. Step S301: When the user needs to pay, the step S208 is input in the payment terminal 3. To the one-time password 5, the payment terminal 3 obtains the one-time password 5, and proceeds to step S302; in step S302, the payment terminal 3 obtains the location information by using the location data management module 31, and sends the data to the background together with the one-time password 5 and the transaction amount. The processing subsystem 4, the location information of the payment terminal 3 and the one-time password 5 constitute the second composite data, go to step S303; Step S303, after receiving the data, the background processing subsystem 4 uses the location data management module 41, the one-time password The module of the management module 42, the payment account management module 43 and the like cooperate to check whether the data is normal, including whether the location information exists, whether the second composite data exists and is unique (ie, whether the second composite data finds the first composite data matching the book) Whether the secondary password has exceeded the expiration date, whether the payment account information corresponding to the first composite data is found, and whether the status of the payment account is normal or the like. If everything goes to step S304, otherwise go to step S307;

Step S304, the background processing subsystem 4 uses the payment account management module 43 to deduct the amount due from the payment account, and proceeds to step S305;

Step S305, if the payment account debit is successful, go to step S306, otherwise go to step S307;

Step S306, the background processing subsystem 4 sends the successful status transaction result data back to the payment terminal 3 through the communication interface or the network, and proceeds to step S308;

Step S307, the background processing subsystem 4 sends the transaction result data of the failed state to the payment terminal 3 through the communication interface or the network, and proceeds to step S308;

Step S308: The payment terminal 3 displays according to the status of the received transaction result and performs necessary subsequent processing, and the current payment operation ends.

For those skilled in the art, according to the technical solutions and structures described above Description

It is to be understood that various changes and modifications may be made without departing from the scope of the invention.

Claims

Claim

A rapid payment method based on location information, comprising the steps of:

A. The location information in the location tag is obtained by the mobile terminal, and the obtained location information and the payment account information pre-existing in the mobile terminal are sent to the background processing subsystem, where the location tag is set at the transaction place;

B. The location information and the payment account information from the mobile terminal are respectively matched with the location information and the payment account information pre-existing in the background processing subsystem by the background processing subsystem, and after the matching is passed, the mobile Transmitting, by the terminal, a one-time password, and correspondingly correlating the first composite data formed by the location information acquired by the mobile terminal and the one-time password with the payment account information of the mobile terminal;

C. Display, by the mobile terminal, the one-time password;

2. The location information based fast payment method according to claim 1, wherein the one-time password has validity period information; and in step E, the background processing is further performed. Claim

The subsystem verifies the validity period information of the one-time password, and the deduction operation is performed after the verification is passed.

3. The method according to claim 1, wherein in step C, before the mobile terminal displays the one-time password, the following steps are further performed: through the mobile terminal. Receiving a security password entered by the user and transmitting the secure password to a background processing subsystem; and also matching a secure password from the mobile terminal to a secure password pre-existing in the background processing subsystem through a background processing subsystem After the operation is passed, the mobile terminal is allowed to display the one-time password.

4. The location information based fast payment method according to claim 1, wherein after step E, there is the following step: returning the result of the debit operation to the payment terminal for display by the background processing subsystem.

5. The location information based fast payment method according to claim 1, wherein the location tag is one of a two-dimensional code, a barcode, a text, a pattern, or a radio frequency chip.

6. A location information based fast payment system, characterized in that it is applied to a system having a location tag, a mobile terminal, a payment terminal and a background processing subsystem, comprising the following modules:

a module B, configured to, by the background processing subsystem, from the mobile terminal Claim

The location information and the payment account information are respectively matched with the location information and the payment account information pre-existing in the background processing subsystem, and after the matching is passed, the mobile terminal is sent a one-time password to obtain the location of the mobile terminal. The first composite data composed of the information and the one-time password is associated with the payment account information of the mobile terminal; the module C is configured to display the one-time password by using the mobile terminal; Receiving, by the payment terminal, the one-time password input by the user, and sending the one-time password, the location information pre-stored by the payment terminal, and the transaction amount information generated by the payment terminal to the background processing subsystem;

a module E, configured to perform, by using the background processing subsystem, a matching operation between the location information from the payment terminal and the second composite data composed of the one-time password from the payment terminal, and the first composite data stored by the background processing subsystem, and matching After the transaction, the payment account information of the mobile terminal is retrieved according to the correspondence between the first composite data and the payment account information of the mobile terminal, and the corresponding payment account is debited according to the transaction amount information of the payment terminal.

7. The location information based fast payment system according to claim 6, wherein the one-time password has validity period information; and the module E is further configured to use a background processing subsystem to validate a one-time password. After the verification is completed, the deduction is performed after the verification is passed.

The location information-based fast payment system according to claim 6, wherein the module C is further configured to receive by the mobile terminal before the mobile terminal displays the one-time password a security password entered by the user and sent to the background processing subsystem; and also used to process the subsystem pair through the background Claim

The security password from the mobile terminal is matched with the security password pre-existing in the background processing subsystem, and the mobile terminal is allowed to display the one-time password after the matching is passed.

9. The location information based fast payment system of claim 6, further comprising a module F for returning the result of the debit operation to the payment terminal for display by the background processing subsystem.

The location information-based fast payment system according to claim 6, wherein the location tag is one of a two-dimensional code, a barcode, a text, a pattern, or a radio frequency chip.