CN101950453A - Novel mobile phone payment terminal-based payment method - Google Patents

Abstract

The invention provides a payment method based on a new type of mobile phone payment terminal, which integrates the payment function of the POS machine and the function of the mobile phone to form a mobile phone payment terminal, which is used for payment and communication by swiping a card, without having to set up another POS machine and finally communicate with each A payment system docking to realize the payment function of various financial cards.

Description

A payment method based on a new mobile payment terminal

【Technical field】

The invention relates to a payment method based on a novel mobile phone payment terminal.

【Background technique】

The current POS machines are relatively large, and are usually used in tangible consumption places such as supermarkets and shopping malls, and cannot be carried around. Therefore, they are usually controlled by merchants, not consumers. Make a payment. In addition, the current mobile phones have been widely promoted, and almost everyone has one, and the models are small and exquisite, so they are easy to carry around. Therefore, the current industry has also successively developed mobile payment products:

As published on February 16, 2005, the Chinese invention application with the publication number CN1581186 discloses a mobile payment system and method, which includes a user mobile phone, a mobile payment login server, a UnionPay mobile payment server, a cash register terminal and a UnionPay mobile payment client Application system, mobile payment login server application system, UnionPay mobile security payment system. The user's mobile phone is used by the customer to send login information and receive feedback information to the mobile payment login server and the UnionPay mobile payment server; the mobile payment login server accepts the login information of the user's mobile phone and feeds back the login result information; the cash register terminal is provided by UnionPay or a financial institution for Send transaction information to the UnionPay mobile payment server and receive feedback information; the UnionPay mobile payment server receives transaction information sent by the user's mobile phone and the cash register terminal and sends feedback information to the user's mobile phone and the cash register terminal. Another example is that published on March 9, 2005, the Chinese invention application with the publication number CN1591439 discloses a system and method for using a mobile phone to pay for a bus transportation fee. The equipment system for using a mobile phone to pay for a bus transportation fee includes: Mobile phones, settlement centers, billing centers of mobile communication operators, charging terminals and mobile phones and settlement centers transmit signal data through wireless communication networks, settlement centers and mobile communication operator billing centers transmit signal data through wireless communication networks, charging terminals It consists of a power supply, a charging equipment control terminal, and an analog base station. The power supply is respectively connected to the charging equipment control terminal and the analog base station. The charging equipment control terminal is connected to the analog base station through an interface. The payment method is: the mobile phone registers with the charging device control terminal through the simulated base station and agrees to pay small fees for purchasing bus tickets, and the charging terminal settles the fee with the mobile communication operator's charging center through the settlement center. And the Chinese invention application disclosed on 2007.02.28, the publication number being CN1921517, discloses a system for paying the cost of purchasing goods with a mobile phone, all of which are systems and methods for using mobile phones to pay, but the current payment, mobile phones It only serves as the original communication function, and requires devices such as POS machines to act as the main payment device for payment, or to settle fees through the billing center of the mobile communication operator, so it is still impossible to realize the function of portable POS payment.

In addition, since mobile phones participate in payment, how to realize safe payment has become particularly important. For example, the Chinese invention application published on September 30, 2009, with the publication number CN101546400, discloses a method for mobile phone payment using two-dimensional codes. For large-amount payments, when the user applies for mobile payment, the bank will provide a password card consisting of two-dimensional code images. When the user confirms the transaction each time, scan the corresponding two-dimensional code image with the mobile phone, the mobile phone software will extract the corresponding password and Sent to the bank to complete the entire transaction. The two-dimensional code identification method is used for payment, and the password is relatively safe and not easy to be cracked, thereby ensuring the safety of payment (especially large-amount payment). Another example is the Chinese invention application published on 2009.06.24 with the publication number CN101464982, which discloses a mobile phone payment authentication system and method based on audio watermarking. The invention inserts the mobile terminal user's private information as a watermark into the audio signal sent from the mobile terminal to the bank server; and extracts the user's private information as the watermark from the watermarked audio signal at the bank server. The watermark information is private information such as bank account numbers, account passwords, etc. of mobile terminal users. In a preferred embodiment of this invention, the mobile phone ID of the mobile terminal is used as the watermark information, or the mobile terminal and the bank server have a voiceprint confirmation function. It solves the mobile payment security problem that restricts the large-scale development of mobile payment. However, the current secure payment is mainly realized through software, and the mobile phone still mainly undertakes the communication function and does not have the function of the POS machine.

To sum up, there is currently no way to integrate the functions of the POS machine into the mobile phone for safe payment.

【Content of invention】

The technical problem to be solved by the present invention is to provide a payment method based on a new type of mobile phone payment terminal, so as to provide a portable safe payment method.

The present invention is achieved in the following way: a payment method based on a new type of mobile phone payment terminal, which integrates the payment function of the POS machine and the function of the mobile phone to form a mobile phone payment terminal, which is used for payment by swiping cards and mobile phone communication, without additional POS The machine is finally connected with various payment systems to realize the payment function of various financial cards.

The mobile payment terminal has a card swiping security mechanism, which includes a physical security protection circuit, a security processor and security software integrated on the security processor; the physical security protection circuit realizes the physical security mechanism of the device; The security processor and its security software are responsible for the encryption processing of sensitive data and the control and monitoring of physical security protection circuits.

Wherein, the payment method is that the mobile phone payment terminal directly connects wirelessly with a bank payment system or a third-party payment system to complete the function of swiping a card for payment. When the credit card payment function is a transfer service, the following steps are included:

Step 11, the user selects the business category as the transfer service in the mobile payment terminal; Step 12, inserts the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card;

Step 13. Enter the transfer amount and the other party's account number;

Step 14. The mobile payment terminal displays the transfer amount and the account information of the other party, and the user enters the bank card or the financial card password of the third-party payment system to confirm the transaction or return to step 13 to re-enter;

Step 15, after confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, and the personal password encrypted by the bank card or the financial card of the third-party payment system through the security mechanism for payment by swiping the card , the transfer amount, and the other party’s account information form a data packet in a certain format in accordance with the requirements of relevant financial industry standards, and send it to the bank payment system or third-party payment system through wireless communication means. A text message is sent to the user's mobile phone to complete the transaction.

When the credit card payment function is an online shopping service, it includes the following steps:

Step 21, the user selects an online shopping business on the PC, and generates an online shopping business order number;

Step 22, the user selects the service category as an online shopping service at the mobile payment terminal;

Step 23, input the online shopping business order number;

Step 24. The mobile payment terminal confirms the legitimacy of the online shopping business order number and the bank account information and consumption amount of the corresponding merchant through wireless communication means and the bank payment system or third-party payment system, or returns to step 23 for re-input;

Step 25. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and swipe the card;

Step 26. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the account information of the other party According to the requirements of the relevant standards of the financial industry, a certain format of data packets is formed and sent to the bank payment system or third-party payment system through wireless communication means. .

Wherein, the payment method is that the mobile phone payment terminal wirelessly connects with a bank payment system or a third-party payment system through a PC to complete the card payment function. When the payment by swiping a card is an online shopping service, the steps are as follows:

Step 31, the user selects the product on the PC through the network, places an order, and selects the payment method to pay for the order, and obtains the order number;

Step 32. After the mobile payment terminal is connected to the PC through a USB interface, and after the mobile payment terminal successfully enters an order, the mobile payment terminal displays the amount to be paid;

Step 33. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and enter the password of the bank card or the financial card of the third-party payment system for confirmation;

Step 34. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the other party's The account information forms a data packet in a certain format in accordance with the relevant standards of the financial industry, and sends it to the banking system or third-party payment system through the network communication means of the PC. After receiving and processing, the banking system or the third-party payment system sends the transaction information to the The user's mobile phone completes the transaction.

The present invention has the following advantages: it integrates the payment function of the POS machine with the function of the mobile phone to form a mobile payment terminal, fully utilizes the communication function and powerful input function of the mobile phone, and easily completes the docking with various payment systems to realize various The payment function of the financial card is small and exquisite, easy to carry around, and the payment is convenient and safe.

【Description of drawings】

The present invention will be further described below in conjunction with the embodiments with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of the hardware structure of a mobile payment terminal involved in the method of the present invention.

Fig. 2 is a schematic diagram of the hardware structure of another mobile payment terminal involved in the method of the present invention.

Fig. 3 is a schematic structural diagram of a mobile phone payment terminal software involved in the method of the present invention.

Fig. 4 is an architecture diagram of different implementations of the method of the present invention.

【Detailed ways】

The payment method based on the mobile phone of the present invention integrates the payment function of the POS machine and the function of the mobile phone to form a mobile phone payment terminal, which is used for payment and communication by swiping a card, and finally docks with various payment systems without setting up another POS machine. In order to realize the payment function of various financial cards. As shown in Figure 1, a kind of mobile phone payment terminal hardware structure that the inventive method involves can comprise main processor, safety processor, display screen, memory, wireless communication module, voice communication interface (comprising receiver, hands-free, microphone and headset etc.), keyboard, magnetic card reader module, physical security protection circuit, expansion memory card interface and USB interface.

Described safety processor, display screen, internal memory, wireless communication module, expansion memory card interface and USB interface are all connected with main processor; Described voice communication interface is connected with described wireless communication module; Described magnetic card reader module, all Both the physical security protection circuit and the keyboard are connected to the security processor. The functions of its main functional modules are as follows:

The main processor is used to run system-level software and is responsible for data processing of the entire system; the security processor is responsible for encryption processing of sensitive data, control and monitoring of various physical security protection circuits; the wireless communication module realizes terminal equipment and system The communication between the networks realizes the voice communication function of the device at the same time; the magnetic card reading module is used to read bank card information; the physical safety protection circuit realizes the physical safety mechanism of the device.

Among them, the main processor, display screen, memory, wireless communication module, voice communication interface, keyboard, expansion memory card interface and USB interface are mobile phone modules, while the security processor, magnetic card reader module, and physical security protection circuit are POS functions. module.

The physical security protection circuit, the security processor and the security software integrated on the security processor constitute a card swiping security mechanism to ensure the security of card swiping payment.

As shown in Figure 2 again, the present invention also can integrate the function of safety processor in main processor, so described keyboard, display screen, memory, wireless communication module, magnetic card reader module, physical security protection circuit and keyboard all It is connected with the general processor, so as to realize a single processor solution, and this single processor solution can still realize the payment method of the present invention.

As shown in Figure 3 again, the mobile phone payment terminal software structure is: comprise a mobile phone function module, a financial payment business module and a financial payment communication module, the mobile phone function module is used to realize all mobile phone functions, and the financial payment business module And the financial payment communication module is used to complete the card payment function of various financial cards.

It is based on above-mentioned hardware and software foundation, as shown in Figure 4, the payment method of the present invention can adopt following machine mode to carry out:

Embodiment one

The payment method is that the mobile phone payment terminal directly connects wirelessly with the bank payment system or a third-party payment system to complete the function of swiping the card for payment. When the credit card payment function is a transfer service, the following steps are included:

Step 11, the user selects the service category as the transfer service at the mobile payment terminal;

Step 12. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card;

Step 13. Enter the transfer amount and the other party's account number;

Step 14. The mobile payment terminal displays the transfer amount and the account information of the other party, and the user enters the bank card or the financial card password of the third-party payment system to confirm the transaction or return to step 13 to re-enter;

Step 15. After confirmation, the mobile payment terminal displays the transaction information, and at the same time sends the bank card or the financial card number of the third-party payment system, the bank card or the financial card password of the third-party payment system, the transfer amount, and the other party's account information through wireless communication means To the bank payment system or the third-party payment system, the bank payment system or the third-party payment system will send the short message of the transaction information to the user's mobile phone to complete the transaction after receiving and processing.

Embodiment two

When the credit card payment function is an online shopping service, it includes the following steps:

Step 21, the user selects an online shopping business on the PC, and generates an online shopping business order number;

Step 22, the user selects the service category as an online shopping service at the mobile payment terminal;

Step 23, input the online shopping business order number;

Step 24. The mobile payment terminal confirms the legitimacy of the online shopping business order number and the bank account information and consumption amount of the corresponding merchant through wireless communication means and the bank payment system or third-party payment system, or returns to step 23 for re-input;

Step 25. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and swipe the card;

Step 26. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the account information of the other party According to the requirements of the relevant standards of the financial industry, a certain format of data packets is formed and sent to the bank payment system or third-party payment system through wireless communication means. .

Embodiment Three

The payment method is that the mobile phone payment terminal wirelessly connects with a bank payment system or a third-party payment system through a PC to complete the card payment function. When the payment by swiping a card is an online shopping service, the steps are as follows:

Step 31, the user selects the product on the PC through the network, places an order, and selects the payment method to pay for the order, and obtains the order number;

Step 32. After the mobile payment terminal is connected to the PC through a USB interface, and after the mobile payment terminal successfully enters an order, the mobile payment terminal displays the amount to be paid;

Step 33. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card, and enter the password of the bank card or the financial card of the third-party payment system for confirmation;

Step 34. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the other party's The account information forms a data packet in a certain format according to the relevant standards of the financial industry, and sends it to the bank system or third-party payment system through the network communication means of the PC. After receiving and processing, the bank system or the third-party payment system sends the short message of the transaction information to the user The mobile phone completes the transaction.

Claims (7)

1. A payment method based on a novel mobile phone payment terminal, characterized in that: it integrates the payment function of the POS machine with the function of the mobile phone to form a mobile phone payment terminal, which is used for card payment and mobile phone communication, without having to set up a POS machine in addition Finally, it will be connected with various payment systems to realize the payment function of various financial cards. 2. a kind of payment method based on novel mobile phone payment terminal according to claim 1, is characterized in that: described mobile phone payment terminal has a card swiping payment security mechanism, and this card swiping payment security mechanism comprises a physical safety protection circuit, security processing The device and the security software integrated on the security processor; the physical security protection circuit realizes the physical security mechanism of the device; the security processor and its security software are responsible for the encryption processing of sensitive data and the control and monitoring of the physical security protection circuit. 3. A payment method based on a new mobile phone payment terminal according to claim 2, characterized in that: the payment method is that the mobile phone payment terminal is directly wirelessly connected with a bank payment system or a third-party payment system to complete the card payment function . 4. A payment method based on a new mobile phone payment terminal according to claim 3, characterized in that: when the credit card payment function is a transfer service, it includes the following steps: Step 11, the user selects the service category as the transfer service at the mobile payment terminal; Step 12. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card; Step 13. Enter the transfer amount and the other party's account number; Step 14. The mobile payment terminal displays the transfer amount and the account information of the other party, and the user enters the bank card or the financial card password of the third-party payment system to confirm the transaction or return to step 13 to re-enter; Step 15, after confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, and the personal password encrypted by the bank card or the financial card of the third-party payment system through the security mechanism for payment by swiping the card , the transfer amount and the other party’s account information form a data packet in a certain format according to the requirements of the relevant financial industry standards, and send it to the bank payment system or third-party payment system through wireless communication means, and the bank payment system or third-party payment system receives and processes the transaction information A text message is sent to the user's mobile phone to complete the transaction. 5. A kind of payment method based on a new mobile phone payment terminal according to claim 3, characterized in that: when the card payment function is an online shopping service, it comprises the following steps: Step 21, the user selects an online shopping business on the PC, and generates an online shopping business order number; Step 22, the user selects the service category as an online shopping service at the mobile payment terminal; Step 23, input the online shopping business order number; Step 24. The mobile payment terminal confirms the legitimacy of the online shopping business order number and the bank account information and consumption amount of the corresponding merchant through wireless communication means and the bank payment system or third-party payment system, or returns to step 23 for re-input; Step 25. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and swipe the card; Step 26. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the account information of the other party Form a data package in a certain format according to the relevant standards of the financial industry and send it to the bank payment system or third-party payment system through wireless communication. trade. 6. A payment method based on a new mobile payment terminal according to claim 1 or 2, characterized in that: the payment method is that the mobile payment terminal wirelessly connects with a bank payment system or a third-party payment system through a PC Complete the credit card payment function. 7. A payment method based on a new mobile phone payment terminal according to claim 6, characterized in that: when the payment by swiping a card is an online shopping business, it comprises the following steps: Step 31, the user selects the product on the PC through the network, places an order, and selects the payment method to pay for the order, and obtains the order number; Step 32. After the mobile payment terminal is connected to the PC through a USB interface, and after the mobile payment terminal successfully enters an order, the mobile payment terminal displays the amount to be paid; Step 33. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and enter the password of the bank card or the financial card of the third-party payment system for confirmation; Step 34. After confirmation, the mobile payment terminal displays the transaction information, and at the same time, the bank card or the financial card number of the third-party payment system, the encrypted personal password of the bank card or the financial card of the third-party payment system, the transfer amount, and the other party's The account information forms a data packet in a certain format in accordance with the relevant standards of the financial industry, and sends it to the banking system or third-party payment system through the network communication means of the PC. After receiving and processing, the banking system or the third-party payment system sends the transaction information to the The user's mobile phone completes the transaction.

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