CN104766207A - Payment device, collection device and intelligent bag - Google Patents
Payment device, collection device and intelligent bag Download PDFInfo
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- CN104766207A CN104766207A CN201510208855.8A CN201510208855A CN104766207A CN 104766207 A CN104766207 A CN 104766207A CN 201510208855 A CN201510208855 A CN 201510208855A CN 104766207 A CN104766207 A CN 104766207A
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Abstract
The invention discloses a payment device, a collection device and an intelligent bag. The payment device comprises a radio frequency identification tag and a transaction processing assembly. The collection device comprises a radio frequency reader and a collection information processor. The radio frequency reader can read a payment account number recorded in the radio frequency identification tag. The collection information processor is connected with the radio frequency reader and used for generating transaction information correlated to the payment account number, and transmitting the payment account number and the transaction information to the payment device. The transaction processing assembly of the payment device comprises a processor, a collector and a display screen. The processor obtains the transaction information and displays the transaction information through the displayer. The collector collects operation carried out by a user based on display of the display screen. The processor generates corresponding operation information based on the operation and uploads the operation information to a background payment server. The intelligent bag comprises the payment device.
Description
Technical field
The application relates to electronic information field, is specifically related to electronic information security technical field, particularly relates to a kind of payment mechanism, checkout and intelligent bag.
Background technology
Along with the development of electronic information technology, pay the normality become gradually in people's life by mails.Payment based on REID is the one in E-Payment.Radio-frequency (RF) identification (RadioFrequency Identification, RFID) technology, also known as radio frequency identification, it is a kind of communication technology, read and write related data by radio signals identification specific objective, and without the need to the machinery set up between recognition system and specific objective or optical contact.RFID tag as the physical support of electronic code, can be attached on traceable article, and identifiable design and read-write.Based in the E-Payment of REID, RFID tag is often attached on card etc.In radio-frequency drive reading process, the information of card etc. also has the risk read by radio frequency reader.Therefore, need rationally to arrange RFID tag, to strengthen based on the information security in the electronic payment process of REID.
Summary of the invention
The object of the application is to propose a kind of payment mechanism, checkout and intelligent bag, solves the technical matters that above background technology part is mentioned.
First aspect, this application provides a kind of payment mechanism, comprising: RFID tag, for recording the payment accounts associated with at least one network payment account; Transaction processing component, comprise processor, collector and display screen, the Transaction Information that described processor acquisition generates by radio-frequency drive based on described RFID tag, associate with described payment accounts is also shown by described display screen, described collector gathers the operation that user carries out based on the display of described display screen, described processor generates corresponding operation information based on described operation, and described operation information is uploaded to backstage paying server.
In certain embodiments, described collector comprises following at least one: keyboard, handwriting pad, microphone, camera, fingerprint sensor, for: when described display screen display needs the prompting of checking, gather user to the input operation of authorization information; And/or, when described display screen shows network payment account described at least one association with described payment accounts, gather user and the selection of described network payment account is operated.
In certain embodiments, described authorization information comprises character information, acoustic information and/or image information.
In certain embodiments, also comprise communication unit, for connecting with backstage paying server; Wherein, described processor obtains described Transaction Information by described communication unit, and by described communication unit, described operation information is uploaded to backstage paying server.
In certain embodiments, described payment mechanism also comprises: separate lock unit, be connected with described RFID tag, for receiving the unlocking information of user's input, when the unlocking information of user's input matches with the unlocking information prestored, make described RFID tag readable.
In certain embodiments, described unlocking information comprises character information, acoustic information and/or image information.
In certain embodiments, whether described processor is also effective for judging the network payment account given tacit consent to, and when the network payment account given tacit consent to is effective, uses the network payment account of acquiescence; Described display screen also for, when give tacit consent to network payment account lost efficacy time, display preset payment strategy, for user to preset payment strategy select or confirm.
In certain embodiments, described collector also for: when give tacit consent to network payment account lost efficacy time, gather user to the selection of the described default payment strategy that display screen show or confirm operate.
Second aspect, this application provides a kind of checkout, described checkout and above-mentioned payment mechanism with the use of, comprising: radio frequency reader, for by radio-frequency drive RFID tag, to read the payment accounts in described RFID tag; Receiving information processor, is connected with described radio frequency reader, for generating the Transaction Information associated with described payment accounts, and described payment accounts and described Transaction Information is sent to described payment mechanism.
In certain embodiments, described checkout also comprises display, for showing described payment accounts and described Transaction Information.
In certain embodiments, described checkout also comprises editing machine, for accepting the editor of user to described Transaction Information; Described Receiving information processor is also for sending to described payment mechanism by the Transaction Information after described payment accounts and editor.
The third aspect, present invention also provides a kind of intelligent bag, comprises above-mentioned arbitrary payment mechanism.
In certain embodiments, described intelligent bag also comprises: metal shielding setup, for the formation of signal shielding space, to shield the reading being opposite to the information content that the article in described signal shielding space comprise by electromagnetic means.
This application provides payment mechanism, checkout.In payment mechanism, after radio-frequency drive, the readable content in RFID tag only has payment accounts; After transaction processing component obtains the Transaction Information associated with this payment accounts, gather user operation and generating run information is sent to background server.In checkout, radio frequency reader can only read this payment accounts by radio-frequency drive RFID tag, and can not read other information; Receiving information processor generates Transaction Information by this payment accounts and is sent to payment mechanism by backstage paying server.Based on the Receiving information processor of the transaction processing component of payment mechanism and checkout by backstage payment mechanism transmission of information, the network centered by the payment mechanism of backstage can the safety of effective guarantee user profile.The payment mechanism that the application provides and checkout strengthen based on the information security in the payment process of radio-frequency technique.
Present invention also provides intelligent bag, comprise payment mechanism, this intelligent bag is the one expansion of the payment mechanism application of the application, by using payment mechanism, reaches the effect of the Item Information safety in protection bag.
Accompanying drawing explanation
By reading the detailed description done non-limiting example done with reference to the following drawings, the other features, objects and advantages of the application will become more obvious:
Fig. 1 shows the exemplary system architecture can applying the embodiment of the present application;
Fig. 2 is the structural representation of an embodiment of payment mechanism according to the application;
Fig. 3 a and Fig. 3 b is the schematic diagram that the RFID tag of another embodiment of payment mechanism according to the application and transaction processing component split are arranged;
Fig. 4 is the structural representation of an embodiment of checkout according to the application;
Fig. 5 is the structural representation of an embodiment of intelligent bag according to the application;
Fig. 6 is the payment flow figure based on certain application scenarios according to the intelligent bag of the application and an embodiment of checkout.
Embodiment
Below in conjunction with drawings and Examples, the application is described in further detail.Be understandable that, specific embodiment described herein is only for explaining related invention, but not the restriction to this invention.It also should be noted that, for convenience of description, in accompanying drawing, illustrate only the part relevant to Invention.
It should be noted that, when not conflicting, the embodiment in the application and the feature in embodiment can combine mutually.Below with reference to the accompanying drawings and describe the application in detail in conjunction with the embodiments.
Fig. 1 shows the exemplary system architecture 100 can applying the embodiment of the present application.
As shown in Figure 1, system architecture 100 can comprise multiple terminal device 101, multiple terminal device 102, network 103 and server 104.Network 103 is in order at terminal device 101, the medium providing communication link between terminal device 102 and server 104.Network 103 can comprise various connection type, such as wired, wireless communication link or fiber optic cables etc.
User 110 can use terminal device 101 mutual by network 103 and server 104, to receive or to send message etc.User 120 can use terminal device 102 mutual by network 103 and server 104, to receive or to send message etc.Such as, in once mutual process, the terminal device 102 that the terminal device 101 that user 110 uses can be held by user 120 is initiated alternately, and the reciprocal process of terminal device 101 and terminal device 102 can be completed by server 104.
Terminal device 101, terminal device 102 can comprise various electronic equipment, such as, include but not limited to intelligent wallet, PC, smart mobile phone, intelligent watch, panel computer, personal digital assistant etc.The application does not limit this.
Can be separate between multiple terminal device 101, multiple terminal device 102.A terminal device 101 or terminal device 102 leave this system architecture 100 and can not have an impact to the work of other equipment.
Server 104 can be to provide the server of various service.The process such as server can store the data received, analysis, and result is fed back to terminal device.
It should be noted that, the payment mechanism that the embodiment of the present application provides can be included in terminal device 101, also can be included in terminal device 102, and the checkout that the embodiment of the present application provides also can be included in terminal device 102 or terminal device 101.The payment mechanism that the embodiment of the present application provides and checkout can also be the structures of one, and the structure of this one can be included in terminal device 101 or terminal device 102.In certain embodiments, the user operation that payment mechanism collects can all be judged by server 104, also can partly judge by as the terminal device 101 of payment mechanism or terminal device 102.In certain embodiments, payment mechanism can be the structure of split, and RFID tag can be separated with transaction processing component.Here, above-mentioned terminal device 101 or terminal device 102 can as the transaction processing component of the payment mechanism of the application.Now, previously describedly transaction processing component can be gone for as the mobile terminal 101 of payment mechanism or terminal device 102.In like manner, in certain embodiments, the checkout of the application also can be the structure of split, and radio frequency reader can be separated with Receiving information processor.Now, above-mentioned terminal device 101 or terminal device 102 can as the Receiving information processors of the checkout of the application.
Should be appreciated that, the number of the terminal device in Fig. 1, network and server is only schematic.According to realizing needs, the terminal device of arbitrary number, network and server can be had.
Refer to Fig. 2, Fig. 2 is the structural representation of an embodiment of payment mechanism according to the application.As mentioned in the embodiment of figure 2, payment mechanism 200 comprises RFID tag 201 and transaction processing component 202.
In the present embodiment, RFID tag 201 can be located on the outside surface of transaction processing component 202.Fig. 2 gives the signal that RFID tag 201 is located at transaction processing component 202 one end.But the application is not limited thereto.RFID tag 201 is located at any position be convenient to radio-frequency drive and read on transaction processing component 202.RFID tag 201 shown in Fig. 2 is strip.In actual applications, RFID tag 201 can be configured to shape possible arbitrarily.The application does not limit this.
In the present embodiment, RFID tag 201 may be used for recording payment accounts, and RFID tag 201 relies on energy that in the magnetic field residing for it, induction current obtains can send out the payment accounts of storage.Wherein, this payment accounts can be network payment system (e.g., Alipay, hundred pairs of treasured) account, also can be identification card number etc.Here, payment accounts can be one, also can be multiple, and each payment accounts can be associated with at least one network payment account (can be such as the bank card opening Web bank).Alternatively, the related information of payment accounts and at least one network payment account can be kept in the paying server of backstage.In the present embodiment, backstage paying server can be used to the server of the actual delivery generating process by the above-mentioned payment accounts of Transaction Information process, such as, can be the server 104 shown in Fig. 1.Be understandable that, backstage paying server can be a station server, also can be the server cluster linked together by network, can also be separate multiple servers, also can be separate multiple server clusters.The application does not limit this.
In the present embodiment, when RFID tag 201 is by radio-frequency drive, the payment accounts of its record can be read.The payment accounts be read can be used for generating the Transaction Information be associated with this payment accounts.In one implementation, this Transaction Information can include but not limited to following one or more: exchange hour, loco, dealing money etc.
In the present embodiment, transaction processing component 202 comprises processor (not shown), collector (such as can make camera 2021 as shown in Figure 2, keyboard 2022 and/or microphone 2023) and display screen 2024.Transaction processing component 202 is associated with RFID tag 201 by the payment accounts associated with it.Wherein, transaction processing component 202 can be kept in the paying server of backstage with the related information of payment accounts.
In the present embodiment, processor can obtain from backstage paying server the Transaction Information be associated with the payment accounts that RFID tag 201 records, and is shown by display screen 2024.Collector can gather the operation (such as confirming Transaction Information etc.) that user carries out based on the display of display screen 2024.Processor can also generate corresponding operation information based on the aforesaid operations of user, and this operation information is uploaded to backstage paying server.
In some realizations of the present embodiment, when backstage paying server sends Transaction Information to transaction processing component 202, other relevant informations can also be sent, such as, can include but not limited to: the authorization information of the authorization information of payment accounts, the selection information of network payment account, network payment account, Transaction Information check prompting etc.These relevant informations can be shown by display screen 2024.The content that user can show based on display screen 2024 is operated accordingly by collector.At this, authorization information may be used for verifying the identity of user or authority, can be such as account number cipher, payment cipher, logon authentication code etc.In some implementations, authorization information can include but not limited to following one or more: character information, acoustic information and image information etc.For example, when display screen 2024 shows the information needing password and the identifying code inputting payment accounts, user can carry out by collector the operation inputting password and identifying code.Such as, account number cipher and payment cipher can include but not limited to: character information, finger print information, head image information, acoustic information etc.Identifying code can include but not limited to: character information, pictorial information etc.In practice, if a payment accounts is associated with multiple network payment account, multiple network payment account can also be sent to transaction processing component by backstage paying server.After the processor of transaction processing component obtains multiple network payment account, it is shown by display screen 2024.Now, user can be selected for the network payment account for completing this payment by collector.In some implementations, collector can comprise following at least one: keyboard (keyboard 2022 as shown in Figure 2), handwriting pad, microphone (microphone 2023 as shown in Figure 2), camera (camera 2021 as shown in Figure 2), fingerprint sensor etc.Wherein, user can pass through keyboard or handwriting pad inputting character information, by microphone sound import information, and by camera or fingerprint sensor input image information etc.In some implementations, user checks the Transaction Information on display screen 2024, if find that Transaction Information is wrong, can pass through collector (as keyboard 2022) and carry out the operation that input validation Transaction Information is wrong or Cancel Transaction.
In the present embodiment, the input operation generating run information that user is undertaken by collector can be uploaded to backstage paying server by processor, carries out analyzing, process and judging for backstage paying server.Such as, the operation that user can be inputted password or identifying code by processor generates corresponding password or verification code information is sent to backstage paying server.Again such as, the selection operation of user to network payment account can be generated corresponding selection information and be sent to backstage paying server by processor.
In some optional implementations, transaction processing component can also comprise communication unit (not shown), for connecting with backstage paying server.This communication unit can be connected with backstage paying server by wired connection mode or radio connection.Above-mentioned radio connection includes but not limited to 3G/4G connection, WiFi connection, bluetooth connection, WiMAX connection, Zigbee connection, UWB (ultra wideband) connection and other radio connection developed known or future now.Wherein, transaction processing component 202 can comprise this communication unit.Processor obtains Transaction Information or other above-mentioned relevant informations by communication unit from backstage paying server, and by communication unit, aforesaid operations information is uploaded to backstage paying server.
In some optional implementations, at least one in the network payment account of payment accounts binding can be set to the network payment account given tacit consent to by user.When occurring when concluding the business, payment mechanism 200 preferentially uses the network payment account of this acquiescence to carry out this transaction.Here, whether the network payment account that processor can also be used for judging to give tacit consent to is effective, when the network payment account given tacit consent to is effective, uses the network payment account of acquiescence.When the network payment account given tacit consent to lost efficacy, display screen 2024 can also be used for showing default payment strategy, selected for user or confirmed the payment strategy preset.Wherein, the network payment account of acquiescence lost efficacy and referred to that this network payment account cannot meet the condition of this transaction, can be such as network payment account balance not enough, exceed term of validity scope, account is cancelled etc.During enforcement, user can preset when one or more payment strategy lost efficacy for default network payment account and use.Wherein, one that presets pays strategy can be such as arrange multiple network payment account in order.When the network payment account given tacit consent to lost efficacy, processor can be concluded the business according to the next network payment account that uses in order preset.If when sequenced next network payment account also lost efficacy in the payment strategy preset, selected again next network payment account successively.One that presets pays strategy and can also be to provide multiple network payment account for user's selection, and when the network payment account given tacit consent to lost efficacy, display screen can demonstrate multiple network payment account.Alternatively, collector can also be used for when the network payment account given tacit consent to lost efficacy, and gathers user to the selection of the payment strategy that display screen 2024 shows or confirmation operation.In some implementations, display screen 2024 also can demonstrate multiple payment strategy for user's selection simultaneously.In other realize, if processor judges that the network payment account in the payment strategy preset all lost efficacy, display screen 2024 also can show the prompting message that cannot complete transaction.
In some optional implementations, payment mechanism 200 is before payment or can also record consumption information in payment process.Wherein, consumption information not only can comprise the information that spending amount, consumption time, consumption place etc. are directly obtained by collector by server or the terminal device that comprises payment mechanism 200, can also comprise consumer applications, consumption type, consumption pattern etc. and to be marked by user and the information inferred is accustomed to by server or terminal device according to customer consumption.Specifically, above-mentioned consumption information can comprise the information such as consumer applications, consumption place, consumption type, article of consumption, consumption pattern, spending amount, consumption time and consumption place.Wherein, consumer applications can be such as food and drink, amusement, traffic, communication etc., consumption place can be such as sports center, family, food and drink place, Condom etc., consumption type can be such as plan consumption, guide consumption, impulsion consumption etc., article of consumption such as can for buying daily necessities, electronic product, sports goods etc., and consumption pattern can be such as consumption pattern under consumption online mode, line etc.
In some implementations of the present embodiment, RFID tag 201 and transaction processing component 202 can be the structures of one, also can be the structures of split.Payment mechanism 200 as shown in Figure 2 is RFID tag 201 and transaction processing component 202 be one structure time a kind of situation.Alternatively, when RFID tag 201 and transaction processing component 202 are structures of split, RFID tag 201 can be located at any position easily, such as, on clothes, on satchel, on wallet, in mobile phone shell etc.In some optional embodiments, transaction processing component 202 can be an independently electronic equipment, also can be integrated in the electronic equipment (such as smart mobile phone, panel computer, desk-top computer, laptop portable computing machine etc.) comprising processor, collector and display screen, can also be attached in articles for daily use (such as wallet).The application does not limit this.
In some implementations of the present embodiment, collector, processor and display screen also can be the assemblies be connected to form by radio connection or wired connection mode.
It will be understood by those skilled in the art that RFID tag 201 and transaction processing component 202 can not be relations one to one.Such as, a RFID tag 201 can corresponding multiple transaction processing component 202.Now, a RFID tag 201 can record multiple payment accounts.One or more payment accounts can be associated with same transaction processing component 202.But the transaction processing component 202 associated with a payment accounts can only have one.When user selects a payment accounts, the Transaction Information that this payment accounts generates is sent to the transaction processing component 202 associated with this payment accounts by backstage paying server.Again such as, multiple RFID tag 201 can a corresponding transaction processing component 202.Now, in multiple RFID tag 201, the payment accounts of record can all be associated with a transaction processing component 202.When user uses the RFID tag 201 at any one payment accounts place be associated with this transaction processing component 202, the Transaction Information that this payment accounts generates is sent to this transaction processing component 202 by backstage paying server.In like manner, RFID tag 201 and transaction processing component 202 also can be arranged with the pattern of multi-to-multi, do not repeat them here.
In the present embodiment, owing to contains only payment accounts in RFID tag 201, and do not comprise other information, when without network verification, other information of this payment accounts cannot be obtained, can effective guarantee information security.
Fig. 3 a and Fig. 3 b is the schematic diagram that the RFID tag of another embodiment of payment mechanism according to the application and transaction processing component split are arranged.As shown in Figure 3 a and Figure 3 b shows, payment mechanism is divided into two part 300a and 300b.In using, two part 300a and 300b can also be held by different users.
As shown in Figure 3 a, 300a part comprises RFID tag 301.RFID tag 301 may be used for recording payment accounts.When RFID tag 301 is by radio-frequency drive, the payment accounts of its record can be read, for generating the Transaction Information be associated with this payment accounts.
In the optional implementation of the present embodiment, 300a part can also comprise separates lock unit 303.Separate lock unit 303 to be connected with RFID tag 301.In some implementations, user can lock (as electronic lock) by radio frequency identification label 301, makes RFID tag 301 lose readability, writability.User can separate in lock unit 303 unlocking information that prestore.When needs use RFID tag 301, user can input unlocking information by separating lock unit 303.Here, unlocking information can include but not limited to following at least one: character information, acoustic information, image information.Then, separate lock unit 303 unlocking information that user inputs to be mated with the unlocking information prestored.If match the unlocking information consistent with the unlocking information that user inputs in the unlocking information prestored, then separate lock unit 303 and RFID tag 301 can be made to have readability and/or writability.Alternatively, above-mentioned unlocking information include but not limited to following one or more: character information, acoustic information, image information etc.
As shown in Figure 3 b, 300b part comprises transaction processing component 302.Transaction processing component 302 is associated with RFID tag 301 by payment account.In fig 3b, transaction processing component 302 comprises processor, collector and display screen 3024.In the embodiment shown in Fig. 3 b, collector includes but not limited to camera 3021 and microphone 3023.In certain embodiments, display screen 3024 also can be touch-screen, has the function of collector (user can pass through touch-screen inputting character information) and display screen simultaneously.Processor can obtain from backstage paying server the Transaction Information be associated with the payment accounts that RFID tag 301 records, and is shown by display screen 3024.Collector can gather the operation that user carries out based on the display of display screen 3024.Here, the operation of user can be the input operation to authorization information, also can be to operate the selection of network payment account, etc.Processor can also generate corresponding operation information based on the aforesaid operations of user, and this operation information is uploaded to backstage paying server.
In some optional implementations, at least one in the network payment account of payment accounts binding can be set to the network payment account given tacit consent to by user.When occurring when concluding the business, transaction processing component 302 preferentially uses the network payment account of this acquiescence to complete this transaction.Here, whether the network payment account that processor can also be used for judging to give tacit consent to is effective, when the network payment account given tacit consent to is effective, uses the network payment account of acquiescence to complete payment.When the network payment account given tacit consent to lost efficacy, display screen 3024 can also be used for showing default payment strategy, selected for user or confirmed the payment strategy preset.Alternatively, collector can also be used for when the network payment account given tacit consent to lost efficacy, and gathers user to the selection of the payment strategy that display screen 3024 shows or confirmation operation.
In some optional implementations, transaction processing component 302 is before payment or can also record consumption information in payment process.Wherein, consumption information not only can comprise the information that spending amount, consumption time, consumption place etc. are directly obtained by server or the collector of terminal device that comprises transaction processing component 302, can also comprise consumer applications, consumption type, consumption pattern etc. and to be marked by user and the information inferred is accustomed to by server or terminal device according to customer consumption.
Refer to Fig. 4, Fig. 4 is the structural representation of an embodiment of checkout according to the application.The checkout of the application can with the payment mechanism of the application with the use of.As shown in Figure 4, checkout 400 comprises radio frequency reader 401 and Receiving information processor 402.Radio frequency reader 401 shown in Fig. 4 is connected by wired connection mode with Receiving information processor 402.
In the present embodiment, radio frequency reader 401 can pass through the RFID tag in radio-frequency drive payment mechanism, with the payment accounts in reading rfid tags.Radio frequency reader 401 operationally can send magnetic field.After RFID tag enters this magnetic field, the radiofrequency signal that received RF reader 401 sends, the energy obtained by means of induction current sends out the payment accounts of storage.Then, the payment accounts read sends to Receiving information processor 402 to process by radio frequency reader 401.
In the present embodiment, Receiving information processor 402 receives the payment accounts that radio frequency reader 401 is sent, and generates the Transaction Information associated with this payment accounts, and payment accounts and Transaction Information are sent to payment mechanism.Alternatively, the payment accounts that Receiving information processor 402 receives may be one, also may be multiple.Here, the payment accounts that Receiving information processor 402 can be selected according to user or give tacit consent to generates Transaction Information.In some implementations, Receiving information processor 402 can generate Transaction Information in conjunction with reading code information (as reading the dealing money etc. of bar code acquisition), the information (payment etc. as user's input) that also can accept user's input generates Transaction Information, Transaction Information can also be generated according to the information of user preset (payment etc. as each transaction single-candidate of user's setting), etc.The application does not limit this.In the present embodiment, the payment accounts of the Transaction Information of generation and generation Transaction Information can be sent to backstage paying server by Receiving information processor 402.Then, payment accounts and Transaction Information, according to the related information of the payment accounts prestored and transaction processing component, are sent to the transaction processing component of payment mechanism by backstage paying server.Alternatively, the payment accounts of the Transaction Information of generation and generation Transaction Information directly can also be sent to payment mechanism by Receiving information processor 402.
In some optional implementations of the present embodiment, checkout 400 can also comprise display 403.Display 403 can show the payment accounts that Receiving information processor 402 receives, and can also show the Transaction Information that Receiving information processor 402 generates based on payment accounts.
In some optional implementations of the present embodiment, checkout 400 can also comprise editing machine 404.Editing machine 404 can accept the editor (as amendment dealing money etc.) of user to the Transaction Information that display 403 shows.Now, Receiving information processor 402 can send the Transaction Information after payment accounts and editor to payment mechanism.In some implementations, editing machine 404 can also be used for, and when the payment accounts that display 403 shows has multiple, selects multiple payment accounts for user.In other realize, editing machine 404 can also be used for operating the confirmation of this Transaction Information or the selection of cancellation.
What deserves to be explained is, radio frequency reader 401 and Receiving information processor 402 can be the structures of split, also can be the structures of one.In some implementations, radio frequency reader 401 and Receiving information processor 402 are structures of split, and both can be connected by wired connection mode or radio connection.Above-mentioned radio connection includes but not limited to 3G/4G connection, WiFi connection, bluetooth connection, WiMAX connection, Zigbee connection, UWB (ultra wideband) connection and other radio connection developed known or future now.In other realize, radio frequency reader 401 and Receiving information processor 402 are structures of one, and both are integrated in a structure.In some applications, Receiving information processor 402 also can be integrated in some electronic equipments comprising processor (such as smart mobile phone, panel computer, desk-top computer, laptop portable computing machine etc.).The application does not limit this.
Refer to Fig. 5, Fig. 5 is the structural representation of an embodiment of intelligent bag according to the application.Fig. 5 shows an intelligent wallet 500, as shown in Figure 5, in the present embodiment, includes the payment mechanism (comprising RFID tag 501 and transaction processing component) of Split type structure.Wherein, RFID tag 501 is located at the position externally exposed outside intelligent wallet 500, so that read by checkout.Transaction processing component (not shown) can be located at outside intelligent wallet 500, also can be located at inside intelligent wallet 500.
In the present embodiment, RFID tag 501 may be used for recording payment accounts.When RFID tag 501 is by radio-frequency drive, the payment accounts of its record can be read, for generating the Transaction Information be associated with this payment accounts.
Transaction processing component (not shown) can be associated with RFID tag 501 by payment account.Transaction processing component can comprise processor, collector and display screen.Processor can obtain from backstage paying server the Transaction Information be associated with the payment accounts that RFID tag 501 records.This Transaction Information can be shown by display screen.Collector can gather the operation that user carries out based on the display of display screen.Here, the operation of user can be the input operation to authorization information, also can be to operate the selection of network payment account.Processor can also generate corresponding operation information based on the aforesaid operations of user, and this operation information is uploaded to backstage paying server.
In some implementations of the present embodiment, intelligent wallet 500 can complete the function of transaction processing component through but not limited to smart mobile phone or panel computer etc.Now, intelligent wallet 500 can only arrange radio-frequency (RF) tag 501.
In some implementations of the present embodiment, the inside (as in interlayer) of intelligent wallet 500 can also comprise metal shielding setup (not shown).This metal shielding setup can form signal shielding space, to shield the reading being opposite to the information content that the article in this signal shielding space comprise by electromagnetic means.It will be understood by those skilled in the art that, the form that arranges of this metal shielding setup can be various, such as: can be wire netting, also can be metal forming, can also be sheet metal, can be bag-shaped, also can be U-shaped, can also be point two sheets being located at the both sides of interlayer, etc., the application does not limit this.The article such as bank card, I.D. can be placed in the signal shielding space of this metal shielding setup formation by user, the extraneous information that cannot be obtained these article by electromagnetic means.
In some optional implementations of the present embodiment, intelligent wallet 500 can also comprise affixed component (not shown).RFID tag 501 can be pasted on intelligent wallet 500 by affixed component.Alternatively, this affixed component can for the parts that can repeatedly paste.Need to change bag when user runs into, or the position that RFID tag 501 is pasted is convenient not, or when RFID tag 501 will to be pasted on other article situations such as (such as on clothes), the position of RFID tag 501 can be changed easily by this affixed component.
What deserves to be explained is, embodiment shown in Fig. 5 gives an intelligent wallet 500, but the intelligent bag of the application can be any type of intelligent bag of the payment mechanism comprising the application, can be such as that intelligent handbag, intelligence singly take on bag, intelligent both shoulders bag etc., the application limit this.
Refer to Fig. 6, Fig. 6 shows the application and uses the payment mechanism of the application and checkout to carry out the flow process 600 of a payment process in actual applications.Below in conjunction with the checkout 400 shown in the intelligent wallet 500 shown in Fig. 5 and Fig. 4, with a process of exchange of consumer and trade company for application scenarios is described.
Step S601, payer (be such as consumer, hold intelligent wallet 500) shows intelligent wallet.After payer and beneficiary (be such as trade company, hold checkout 400) agreement of concluding the transaction, payer shows intelligent wallet 500, provides the RFID tag 501 be exposed to outside intelligent wallet 500.This RFID tag 501 records payment accounts, and this payment accounts can be associated with the transaction processing component on intelligent wallet 500.
Step S602, beneficiary obtains payment accounts from intelligent wallet.Beneficiary opens radio frequency reader 401 makes it produce magnetic field.Then, the RFID tag 501 be in this magnetic field sends out the payment accounts of storage by means of the energy that induction current obtains.Then, radio frequency reader 401 obtains this payment accounts and is sent to Receiving information processor 402.
Step S603, beneficiary generates the Transaction Information of payment accounts.Here, Transaction Information can comprise dealing money.After Receiving information processor 402 obtains payment accounts, generate Transaction Information by information such as dealing money.Wherein, beneficiary can obtain dealing money by sweeping bar code, also directly can input dealing money, or make Receiving information processor 402 obtain the information such as dealing money by other means.Transaction Information can be uploaded to backstage paying server by Receiving information processor 402, also directly can send to the transaction processing component on intelligent wallet 500.
Step S604, payer checks Transaction Information from intelligent wallet.Transaction processing component can obtain Transaction Information from backstage paying server, also directly can obtain Transaction Information from Receiving information processor 402.Then, transaction processing component can by Transaction Information display on a display screen.Payer can be checked Transaction Information according to the Transaction Information of display screen display.If Transaction Information is correct, can step S605 be carried out, otherwise, carry out step S607.
Step S605, payer confirms Transaction Information from intelligent wallet.After payer confirms that Transaction Information is correct, the input operation confirming Transaction Information can be carried out on the transaction processing component of intelligent wallet 500.After transaction processing component collects the input operation of user, this operation generating run information can be uploaded to backstage paying server.Authorization information (as payment cipher etc.) or other information (the selection information etc. as to network payment account) can be sent to transaction processing component after backstage paying server receives this operation information.Transaction processing component is based on after the payer input operation collected, and generating run information is sent to backstage paying server again.Alternatively, from intelligent wallet 500, backstage paying server confirms that the flow process in Transaction Information process comprises in payer: first, and backstage paying server sends the prompting of the identity verification needing user to be logged in by payment accounts to transaction processing component; Then, after user inputs correct authorization information (as login password), backstage paying server can send Transaction Information to transaction processing component; Then, user confirm Transaction Information errorless after, backstage paying server can send multiple network payment account to transaction processing component and select for user; Then, after user selects a network payment account, backstage paying server can send to transaction processing component the prompting needing the authorization information inputting this network payment account; Then, input the authorization information of this network payment account user after, backstage paying server judges that whether this authorization information is correct.Above-mentioned backstage paying server and user interaction confirm that the flow process of Transaction Information is an optional example, and in practice, each step can optionally be omitted or reversed order.
Step S606, payment completes.Backstage paying server judges whether the operation information (such as authorization information and the information of selection) that transaction processing component sends is correct, if correct, then send the information of having concluded the business respectively to transaction processing component and Receiving information processor 402, otherwise, can continue to perform step S605.
Step S607, beneficiary is revised Transaction Information or is Cancelled Transaction.When payer confirms that Transaction Information that the transaction processing component of intelligent wallet 500 shows is incorrect, the input operation that can modify on transaction processing component or Cancel Transaction.After transaction processing component collects the input operation of user, this operation generating run information can be uploaded to backstage paying server, also this operation information directly can be sent to the Receiving information processor 402 of checkout 400.Beneficiary can be modified by Receiving information processor 402 pairs of Transaction Informations, also can Cancel Transaction.
It will be appreciated by those skilled in the art that, some other known features are also comprised in above-mentioned payment mechanism 200, payment mechanism 300a and 300b, checkout 400, intelligent wallet 500, such as storer etc., in order to unnecessarily fuzzy embodiment of the present disclosure, these known structures are not shown in the accompanying drawings.
As another aspect, present invention also provides a kind of computer-readable recording medium, this computer-readable recording medium can be the computer-readable recording medium comprised in device described in above-described embodiment; Also can be individualism, be unkitted the computer-readable recording medium allocated in terminal.Described computer-readable recording medium stores more than one or one program, and described program is used for the payment mechanism of performance description in the application or the part of functions of checkout by one or more than one processor.
More than describe and be only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art are to be understood that, invention scope involved in the application, be not limited to the technical scheme of the particular combination of above-mentioned technical characteristic, also should be encompassed in when not departing from described inventive concept, other technical scheme of being carried out combination in any by above-mentioned technical characteristic or its equivalent feature and being formed simultaneously.The technical characteristic that such as, disclosed in above-mentioned feature and the application (but being not limited to) has similar functions is replaced mutually and the technical scheme formed.
Claims (13)
1. a payment mechanism, is characterized in that, comprising:
RFID tag, for recording the payment accounts associated with at least one network payment account;
Transaction processing component, comprise processor, collector and display screen, the Transaction Information that described processor acquisition generates by radio-frequency drive based on described RFID tag, associate with described payment accounts is also shown by described display screen, described collector gathers the operation that user carries out based on the display of described display screen, described processor generates corresponding operation information based on described operation, and described operation information is uploaded to backstage paying server.
2. payment mechanism according to claim 1, is characterized in that:
Described collector comprises following at least one: keyboard, handwriting pad, microphone, camera, fingerprint sensor, for:
When described display screen display needs the prompting of checking, gather user to the input operation of authorization information; And/or
When described display screen shows network payment account described at least one association with described payment accounts, gather user and the selection of described network payment account is operated.
3. payment mechanism according to claim 2, is characterized in that, described authorization information comprises character information, acoustic information and/or image information.
4. payment mechanism according to claim 1, is characterized in that:
Also comprise communication unit, for connecting with backstage paying server;
Wherein, described processor obtains described Transaction Information by described communication unit, and by described communication unit, described operation information is uploaded to backstage paying server.
5., according to described payment mechanism arbitrary in claim 1-4, it is characterized in that, described payment mechanism also comprises:
Separating lock unit, be connected with described RFID tag, for receiving the unlocking information of user's input, when the unlocking information of user's input matches with the unlocking information prestored, making described RFID tag readable.
6. payment mechanism according to claim 5, is characterized in that, described unlocking information comprises character information, acoustic information and/or image information.
7. payment mechanism according to claim 1, is characterized in that:
Whether described processor is also effective for judging the network payment account given tacit consent to, and when the network payment account given tacit consent to is effective, uses the network payment account of acquiescence;
Described display screen also for, when give tacit consent to network payment account lost efficacy time, display preset payment strategy, for user to preset payment strategy select or confirm.
8. payment mechanism according to claim 7, is characterized in that, described collector also for:
When the network payment account given tacit consent to lost efficacy, gathered user to the selection of the described default payment strategy that display screen shows or confirmation operation.
9. a checkout, is characterized in that, described checkout and payment mechanism according to claim 1 with the use of, comprising:
Radio frequency reader, for by radio-frequency drive RFID tag, to read the payment accounts in described RFID tag;
Receiving information processor, is connected with described radio frequency reader, for generating the Transaction Information associated with described payment accounts, and described payment accounts and described Transaction Information is sent to described payment mechanism by backstage paying server.
10. checkout according to claim 9, is characterized in that:
Also comprise display, for showing described payment accounts and described Transaction Information.
11. checkouts according to claim 10, is characterized in that:
Also comprise editing machine, for accepting the editor of user to described Transaction Information;
Described Receiving information processor is also for sending to described payment mechanism by the Transaction Information after described payment accounts and editor.
12. 1 kinds of intelligent bags, comprise the arbitrary described payment mechanism of claim 1-8.
13. intelligent bags according to claim 12, is characterized in that, described intelligent bag also comprises:
Metal shielding setup, for the formation of signal shielding space, to shield the reading being opposite to the information content that the article in described signal shielding space comprise by electromagnetic means.
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| CN201510208855.8A CN104766207B (en) | 2015-04-28 | 2015-04-28 | Payment device, collection device and intelligent bag |
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| CN201510208855.8A CN104766207B (en) | 2015-04-28 | 2015-04-28 | Payment device, collection device and intelligent bag |
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