CN104156853A - Payment method with simulation of POS by using NFC mobile phone - Google Patents
Payment method with simulation of POS by using NFC mobile phone Download PDFInfo
- Publication number
- CN104156853A CN104156853A CN201410414486.3A CN201410414486A CN104156853A CN 104156853 A CN104156853 A CN 104156853A CN 201410414486 A CN201410414486 A CN 201410414486A CN 104156853 A CN104156853 A CN 104156853A
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- CN
- China
- Prior art keywords
- order
- client
- user
- mobile phone
- trade company
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Classifications
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
Abstract
The utility model provides a payment method with the simulation of a POS by using an NFC mobile phone. A merchant submits an order in a merchant mobile phone client and obtains an only order number from a background system. The merchant clicks a sending order button, a user clicks an obtaining order button at a user mobile phone client, through the contact between a merchant mobile phone and a user mobile phone, and the client of the merchant sends the order number to the client of the user through NFC. The background system sends the order to a third party payment system, obtains the detailed information of a signed order and an order signed by the third party payment system and returns the detailed information and the order to the user client, after the user confirms the order detailed information, the client transmits the obtained signed order to a third party payment client plug-in, and the user initiates the payment. According to the payment method, the existing POS consumption function can be realized through an NFC mobile phone client, the cost of POS deployment is saved, and a merchant access threshold is reduced.
Description
[technical field]
The invention belongs to payment technology field, near field, specifically refer to a kind of method that the NFC of employing mobile phone simulation POS pays.
[background technology]
The telecommunications of the trade company's access at present wing pays, and is mainly by POS pattern, and trade company inputs dealing money, swipes the card on POS, inputs password by user, after confirming, initiates transaction.Along with the development of smart mobile phone and popularizing of NFC mobile phone, this kind of mode needs telecommunications or trade company to bear the cost that lays POS, is unfavorable for the development of the little miniature trade company such as Mini Supermarkets, barber shop.
[summary of the invention]
A kind of method that provides the NFC of employing mobile phone simulation POS to pay is provided technical matters to be solved by this invention, can realize existing POS consumption function by NFC cell-phone customer terminal, saves POS lower deployment cost, reduces trade company's access threshold.
The present invention is achieved in that
The method that adopts NFC mobile phone simulation POS to pay, comprises the steps:
Trade company submits order to input sequence information on trade company's cell-phone customer terminal after, gets unique order number from background system;
Trade company sends order, and user clicks and obtains order in user mobile phone client, contacts with user mobile phone by trade company's mobile phone, and the client of trade company is sent to order number user's client by NFC;
User's client by order number to backstage system acquisition order details;
Order is sent to third-party payment system by background system, and the order that third-party payment system generates after signature returns to background system, and background system returns to subscription client by order details with through the order of third-party payment system signature again;
User confirms an order after details, and the signature order obtaining is passed to third party's payment client terminal plug-in unit, is inputted after account and password and is initiated to pay by user;
Third party pays plug-in unit transaction is sent to third-party payment system, after Transaction Success, third-party payment system notice one-level commerce system, and return to transaction results to subscription client, user informs trade company, and trade company can arrive one-level commerce system inquiry order pay status by order number.
The invention has the advantages that: 1, adopt NFC mobile phone to substitute the mode of POS, solve current little difference quotient family and be difficult to the problem of expanding by POS mode, saved the cost of buying POS, client software has been installed and can be supported user card punching consumption, easy and simple to handle, facilitate trade company to access fast; Thereby improve mobile payment environment for use, cultivate better user's mobile payment use habit.What 2, in the method, trade company contacted transmission with client's mobile phone is order number information, and account is selected and Password Input completes on subscription client, has ensured the privacy of user profile, prevents information leakage, safer.3, the user interface of the method represents with client form, compares the limited display screen of POS more friendly with button operation, and on mobile phone, gesture slip screen operator is easier, improves user and experiences.
[brief description of the drawings]
The invention will be further described in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is method flow schematic diagram of the present invention.
[embodiment]
The present invention is the method that adopts NFC mobile phone simulation POS to pay, and becomes the trade company of third-party payment system in third-party payment system application for registration, sets up one-level commerce system, managing customer end subscriber (comprising trade company and consumption user).In subscription client, containing the payment plug-in unit of third-party payment system, can input third party's payment account account, password etc. by plug-in unit.
Trade company inputs the contents such as the amount of money, trade name, price and submits order on trade company's cell-phone customer terminal, gets unique order number from background system; Trade company clicks and sends order button, and user clicks and obtains order button in user mobile phone client, contacts with user mobile phone by trade company's mobile phone, and the client of trade company is sent to order number user's client by NFC; User's client by order number to backstage system acquisition order details, order is sent to third-party payment system by background system, order from third-party payment system obtains signature, return to subscription client by order details (amount of money, trade company's name etc.) with through the order of third-party payment system signature, user confirms an order after details, third party's payment client terminal plug-in unit passed to by the signature order obtaining by client, third party pays plug-in unit and jumps to input account and cryptographic interface, initiates to pay after inputting account and password by user.Third party pays plug-in unit transaction is sent to third-party payment system, after Transaction Success, third-party payment system notice one-level commerce system, and return to transaction results to subscription client, user informs trade company, and trade company can arrive one-level commerce system inquiry order pay status by order number.
Concrete detailed step as shown in Figure 1.
After the input ID of trade company of trade company, password, login client, in client, input dealing money, initiate order and generate request; (step 1 in Fig. 1)
One-level commerce system receives that the order of trade company generates after request, generates order ID and name of firm and order ID are returned to trade company; (step 2,3 in Fig. 1)
User clicks and receives order button, and trade company clicks and sends order button, and by two NFC mobile phone contacts, order number is sent to subscription client by trade company's client; (step 4,5 in Fig. 1)
Subscription client is received after order details, to one-level commerce system request order details; (step 6 in Fig. 1)
One-level commerce system initiates to generate order request to third-party payment system, and third party's system is received after request, completes the certifying signature of sequence information, and wholesale price generates order, to the order processing such as again sign; After third-party payment system is finished dealing with, signature sequence information is returned to one-level commerce system; Dealing money, name of firm, signature order are returned to client by one-level commerce system; (step 4,8,9,10 in Fig. 1)
Subscription client submits to sequence information to pay plug-in unit to third party, initiates secure payment; (step 11 in Fig. 1)
Third party in user mobile phone pays plug-in unit and shows sequence information and interface for password input; User selects account, input encrypted message, clicks and pays; Transaction Information is submitted to third-party payment system by third party's plug-in unit; (step 12,13,14 in Fig. 1)
Third party's system is carried out order processing, completes third party after processing successfully and pays and deduct fees, and after deducting fees successfully, third party's system is carried out order processing again; (step 15,16,17 in Fig. 1)
The transmission result of deducting fees is notified one-level commerce system; (step 18 in Fig. 1)
One-level commerce system is processed transaction, and responds the result notice of deducting fees; (step 19,20 in Fig. 1)
Third-party payment system pays plug-in unit to third party and sends the result notice of deducting fees; (step 21 in Fig. 1)
Third party's plug-in unit sends to subscription client the result notice of deducting fees; (step 22 in Fig. 1)
Trade company's client is initiated order status inquiry to one-level commerce system; (step 23 in Fig. 1)
One-level commerce system returns to order status to trade company.(step 24 in Fig. 1)
The present invention adopts NFC mobile phone to substitute the mode of POS, has solved current little difference quotient family and has been difficult to the problem of expanding by POS mode, has saved the cost of buying POS, client software is installed and can be supported user card punching consumption, easy and simple to handle, facilitates trade company to access fast; Thereby improve mobile payment environment for use, cultivate better user's mobile payment use habit.What in the method, trade company contacted transmission with client's mobile phone is order number information, and account is selected and Password Input completes on subscription client, has ensured the privacy of user profile, prevents information leakage, safer.The user interface of the method represents with client form, compares the limited display screen of POS more friendly with button operation, and on mobile phone, gesture slip screen operator is easier, improves user and experiences.
The foregoing is only better enforcement use-case of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment of doing, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (1)
1. the method that adopts NFC mobile phone simulation POS to pay, is characterized in that: comprise the steps:
Trade company submits order to input sequence information on trade company's cell-phone customer terminal after, gets unique order number from background system;
Trade company sends order, and user clicks and obtains order in user mobile phone client, contacts with user mobile phone by trade company's mobile phone, and the client of trade company is sent to order number user's client by NFC;
User's client by order number to backstage system acquisition order details;
Order is sent to third-party payment system by background system, and the order that third-party payment system generates after signature returns to background system, and background system returns to subscription client by order details with through the order of third-party payment system signature again;
User confirms an order after details, and the signature order obtaining is passed to third party's payment client terminal plug-in unit, is inputted after account and password and is initiated to pay by user;
Third party pays plug-in unit transaction is sent to third-party payment system, after Transaction Success, third-party payment system notice one-level commerce system, and return to transaction results to subscription client, user informs trade company, and trade company can arrive one-level commerce system inquiry order pay status by order number.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410414486.3A CN104156853A (en) | 2014-08-21 | 2014-08-21 | Payment method with simulation of POS by using NFC mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410414486.3A CN104156853A (en) | 2014-08-21 | 2014-08-21 | Payment method with simulation of POS by using NFC mobile phone |
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| Publication Number | Publication Date |
|---|---|
| CN104156853A true CN104156853A (en) | 2014-11-19 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410414486.3A Pending CN104156853A (en) | 2014-08-21 | 2014-08-21 | Payment method with simulation of POS by using NFC mobile phone |
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| CN (1) | CN104156853A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105678533A (en) * | 2016-01-29 | 2016-06-15 | 河南捷步电子科技有限公司 | Multi-approach convenience terminal machine payment system and method |
| CN105741111A (en) * | 2014-12-08 | 2016-07-06 | 中国电信股份有限公司 | Mobile payment method, system and device |
| CN107087251A (en) * | 2017-04-19 | 2017-08-22 | 新开普电子股份有限公司 | The background process framework and its step of POS platform are simulated based on mobile phone terminal |
| CN110264183A (en) * | 2019-06-25 | 2019-09-20 | 秒针信息技术有限公司 | The method and device of the method and device, trade company's gathering paid the bill to trade company |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20080006685A1 (en) * | 2006-07-06 | 2008-01-10 | Firethorn Holdings, Llc | Methods and Systems For Real Time Account Balances in a Mobile Environment |
| CN102801710A (en) * | 2012-07-04 | 2012-11-28 | 北京天龙融和软件有限公司 | Networked transaction method and system |
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
-
2014
- 2014-08-21 CN CN201410414486.3A patent/CN104156853A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20080006685A1 (en) * | 2006-07-06 | 2008-01-10 | Firethorn Holdings, Llc | Methods and Systems For Real Time Account Balances in a Mobile Environment |
| CN102801710A (en) * | 2012-07-04 | 2012-11-28 | 北京天龙融和软件有限公司 | Networked transaction method and system |
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105741111A (en) * | 2014-12-08 | 2016-07-06 | 中国电信股份有限公司 | Mobile payment method, system and device |
| CN105678533A (en) * | 2016-01-29 | 2016-06-15 | 河南捷步电子科技有限公司 | Multi-approach convenience terminal machine payment system and method |
| CN107087251A (en) * | 2017-04-19 | 2017-08-22 | 新开普电子股份有限公司 | The background process framework and its step of POS platform are simulated based on mobile phone terminal |
| CN107087251B (en) * | 2017-04-19 | 2020-07-03 | 新开普电子股份有限公司 | Background processing system based on mobile phone terminal simulation POS platform |
| CN110264183A (en) * | 2019-06-25 | 2019-09-20 | 秒针信息技术有限公司 | The method and device of the method and device, trade company's gathering paid the bill to trade company |
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Application publication date: 20141119 |