CN101576982A - Method, terminal and system for network payment - Google Patents
Method, terminal and system for network payment Download PDFInfo
- Publication number
- CN101576982A CN101576982A CNA2009100380391A CN200910038039A CN101576982A CN 101576982 A CN101576982 A CN 101576982A CN A2009100380391 A CNA2009100380391 A CN A2009100380391A CN 200910038039 A CN200910038039 A CN 200910038039A CN 101576982 A CN101576982 A CN 101576982A
- Authority
- CN
- China
- Prior art keywords
- terminal
- identity information
- payment
- information
- split
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention discloses a method for network payment. The method comprises that: a first terminal of split-type mobile equipment acquires identity information of users; the first terminal performs identity authentication according to the identity information, or the first terminal sends the identity information to a second terminal of the split-type mobile equipment, and the second terminal performs identity authentication according to the identity information; and after the identity authentication succeeds, the second terminal performs payment interaction with a bank payment server so as to complete payment. Accordingly, the embodiment of the invention also discloses a terminal and a network payment system. The embodiment of the invention has the advantages of realizing the network payment process of the split-type mobile equipment, solving the problem that the prior art needs the users for password input and other tedious operation, eliminating the potential safety trouble that passwords are easy to steal, meeting the demand of the users for security and high efficiency and improving user experience.
Description
Technical field
The present invention relates to the communications field, relate in particular to a kind of online payment method, terminal and system.
Background technology
Along with the development of electronic communication, utilizing portable terminal (as mobile phone) to carry out the electric network payment has become possibility, and the user can consume in various occasions by mobile phone, and needn't carry a large amount of cash trips.In addition, the fast development of microelectric technique, computer hardware technique is also handled the work that becomes increasingly complex for terminal device and is laid the foundation, realize that the terminal device personalization becomes possibility, this just makes at present increasing terminal adopt split-type design, for example a main frame is equipped with one or more handset, the general volume of handset is less, and has the information processing function of main frame routine.Therefore, how to realize the network payment process of split type terminal device, how to make network payment process simple and fast and safe and efficient more, become the hot issue of people's research.
Summary of the invention
The embodiment of the invention is to provide a kind of online payment method, terminal and system, realizes the network payment process of split type terminal device, makes network payment process simple and fast and safe and efficient more, has improved user experience.
In order to reach above-mentioned technique effect, the embodiment of the invention has proposed a kind of online payment method, comprising:
First terminal of split-type mobile device is obtained user's identity information;
Described first terminal is carried out identification authentication according to described identity information; Perhaps described first terminal sends to second terminal of split-type mobile device with described identity information, carries out identification authentication by described second terminal according to described identity information;
After the described identity authentication succeeds, described second terminal and bank paying server are paid alternately, finish payment.
Preferably, first terminal of described split-type mobile device is obtained before user's the identity information, also comprises:
Described first terminal is set up radio-frequency (RF) identification (RFID, the Radio FrequencyIdentification) connection with merchant terminal, receives the Payment Request of described merchant terminal; Perhaps
Described second terminal is set up and is connected with the RFID of merchant terminal, receive the Payment Request of described merchant terminal after, indicate described first terminal execution to obtain the step of user's identity information.
Preferably, described first terminal is carried out identification authentication according to described identity information and is comprised:
Whether the described identity information of described first terminal judges is consistent with the identity information of storage in advance, when described judged result is consistent, and identity authentication succeeds then;
Described second terminal is carried out identification authentication according to described identity information and is comprised:
Whether the described identity information of described second terminal judges is consistent with the identity information of storage in advance, when described judged result is consistent, and identity authentication succeeds then.
Preferably, after described authentication success, described method also comprises:
Described second terminal sends payment instruction to described bank paying server, described bank paying server sends to described merchant terminal with Transaction Information after receiving described payment instruction, described merchant terminal sends the Transaction Information of described reception to described second terminal and confirms for the user, described bank paying server carries out accounting processing after receiving the affirmation Transaction Information that described second terminal sends, and finishes payment; Perhaps
Described second terminal sends payment instruction to described bank paying server, described bank paying server receives and Transaction Information is sent to described second terminal after the described payment instruction and confirm for the user, described bank paying server carries out accounting processing after receiving the affirmation Transaction Information that described second terminal sends, and finishes payment.
Preferably, described identity information comprises one or more combinations in handwritten signature information, finger print information or the iris information.
Correspondingly, the embodiment of the invention also discloses a kind of terminal, described terminal is first terminal of split-type mobile device, comprising:
The identity information acquisition module is used to obtain user's identity information;
The first identification authentication module is used for carrying out identification authentication according to the identity information that described identity information acquisition module obtains.
Preferably, described first terminal also comprises:
First link block is used to set up with the RFID of merchant terminal and is connected;
The Payment Request receiver module, the RFID that is used for setting up according to described first link block connects, and receives the Payment Request of described merchant terminal.
Preferably, the described first identification authentication module comprises:
The first identity information judging unit is used to judge whether the identity information that described identity information acquisition module obtains is consistent with the identity information of storage in advance.
Correspondingly, the embodiment of the invention also discloses a kind of terminal, described terminal is second terminal of split-type mobile device, comprising:
The identity information receiver module is used to receive the user's that first terminal corresponding with described split-type mobile device send identity information;
The second identification authentication module is used for carrying out identification authentication according to the identity information that described identity information receiver module receives.
Preferably, described second terminal also comprises:
Second link block is used to set up with the RFID of merchant terminal and is connected;
Receive indicating module, the RFID that is used for setting up according to described second link block connects, receive the Payment Request of described merchant terminal after, indicate first terminal of described split-type mobile device to obtain user's identity information.
Preferably, the described second identification authentication module comprises:
The second identity information judging unit is used to judge whether the identity information of described identity information receiver module reception is consistent with the identity information of storage in advance.
Preferably, described second terminal also comprises:
The payment instruction sending module is used for sending payment instruction to the bank paying server;
The Transaction Information receiver module is used to receive the Transaction Information that bank paying server or described merchant terminal send, and confirms for the user;
The confirmation sending module, the affirmation Transaction Information that is used for receiving sends to described bank paying server or described merchant terminal.
Correspondingly, the embodiment of the invention also discloses a kind of network payment system, comprise first terminal and second terminal, merchant terminal and the bank paying server of split-type mobile device, wherein,
Described first terminal is used to obtain user's identity information, and carries out identification authentication according to described identity information, perhaps described identity information is sent to described second terminal, carries out identification authentication by described second terminal according to described identity information;
Described second terminal is paid alternately with described bank paying server and merchant terminal after identity authentication succeeds, finishes payment.
Preferably, described system also comprises second terminal of the split-type mobile device corresponding with described first terminal, and described first terminal and second terminal comprise first terminal and second terminal of the foregoing description.
Implement the embodiment of the invention, obtain user's handwritten signature by first terminal of split-type mobile device, fingerprint recognition, identity informations such as iris recognition, and carry out identification authentication in the split-type mobile device side, after the identity authentication succeeds, second terminal of split-type mobile device and described bank paying server and merchant terminal are paid alternately, realized the network payment process of split-type mobile device, and solved and need the user to input troublesome operation such as password in the prior art, and potential safety hazards such as password is easily stolen have been eliminated, can confirm better that the payer is exactly the user, satisfied user security demand efficiently, improved user experience, and embodiment of the invention split-type mobile device can only need to carry out data interaction with merchant terminal, communicate alternately by merchant terminal and bank paying server, split-type mobile device need not supported associated the Internet protocol, has reduced the production cost of terminal.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structural representation of the network payment system of the embodiment of the invention;
Fig. 2 is the structural representation of first terminal of the embodiment of the invention;
Fig. 3 is the structural representation of first embodiment of the present invention's second terminal;
Fig. 4 is the structural representation of second embodiment of the present invention's second terminal;
Fig. 5 is the schematic flow sheet of first embodiment of method of network payment of the present invention;
Fig. 6 is the schematic flow sheet of second embodiment of method of network payment of the present invention.
Embodiment
In order to make technical matters to be solved by this invention, technical scheme and beneficial effect clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.
See also the structural representation of the network payment system of the embodiment of the invention shown in Fig. 1, first terminal 1 and second terminal 2, merchant terminal 3 and the bank paying server 4 that comprise split-type mobile device, first terminal 1 is obtained user's identity information, and carry out identification authentication according to described identity information, perhaps described identity information is sent to second terminal 2, carry out identification authentication by second terminal 2 according to described identity information, second terminal 2 is after identity authentication succeeds, pay alternately with bank paying server 4 and merchant terminal 3, finish payment.Particularly, first terminal 1 and second terminal 2 are formed split-type mobile device, wherein, first terminal 1 can be handset, also can be main frame, second terminal 2 can be main frame so accordingly, also can be handset, they can pass through bluetooth, infrared ray or Wireless Fidelity (WI-FI, WirelessFidelity) etc. mode connects; Merchant terminal 3 can be point of sale (POS, Point of sales) machine or optical character sign indicating number (OCR, Optical character recognition) terminal reading device etc. has the terminal device of commodity transaction management function, and first terminal 1 or second terminal 2 can connect by RFID and merchant terminal 3.
When first terminal 1 can connect by RFID and merchant terminal 3, the structural representation of first terminal of the embodiment of the invention as shown in Figure 2, first terminal 1 comprises identity information acquisition module 11, the first identification authentication module 12, first link block 13 and Payment Request receiver module 14, wherein:
The RFID that first link block 13 is used to set up with merchant terminal 3 is connected;
Payment Request receiver module 14 is used for connecting according to the RFID that first link block 13 is set up, and receives the Payment Request of merchant terminal 3;
Identity information acquisition module 11 is used to obtain user's identity information;
Particularly, when the user need use split-type mobile device to finish transaction payment, after the split-type mobile device side receives the Payment Request of merchant terminal 3 transmissions by Payment Request receiver module 14, identity information acquisition module 11 obtains user's identity information, this identity information comprises handwritten signature information, one or more combinations in finger print information or the iris information etc., be that identity information acquisition module 11 can be the handwritten signature induction module, fingerprint acquisition module or iris acquisition module etc., or be the combination of above-mentioned multiple module, obtaining user's identity information, and this identity information can be converted to unique numerical information and store.
The identity information that the first identification authentication module 12 is used for obtaining according to identity information acquisition module 11 carries out identification authentication.
Particularly, the first identification authentication module 12 comprises the first identity information judging unit 121, be used to judge whether the identity information that identity information acquisition module 11 obtains is consistent with the identity information of storage in advance, when described judged result when being, identity authentication succeeds then, when described judged result for not the time, then identification authentication failure.
Need to prove, first terminal 1 can utilize the first identification authentication module 12 of self to carry out outside the identification authentication, the described identity information that obtains can also be sent to second terminal 2 of described split-type mobile device correspondence, carry out identification authentication by second terminal 2 according to described identity information, the structural representation of first embodiment of the present invention's second terminal as shown in Figure 3, second terminal 2 comprises: the identity information receiver module 21 and the second identification authentication module 22, wherein
Identity information receiver module 21 is used to receive the user's that first terminal 1 corresponding with described split-type mobile device send identity information;
Particularly, second terminal 2 can be connected by modes such as bluetooth, infrared ray or WI-FI with first terminal 1, carry out data communication, after first terminal 1 has been obtained user's identity information, send this identity information to second terminal 2, the identity information receiver module 21 of second terminal 2 receives this identity information.
The second identification authentication module 22 is used for carrying out identification authentication according to the identity information that identity information receiver module 21 receives.
Particularly, the second identification authentication module 22 comprises the second identity information judging unit 221, be used to judge whether the identity information of identity information receiver module 21 receptions is consistent with the identity information of storage in advance, when described judged result when being, identity authentication succeeds then, when described judged result for not the time, then identification authentication failure.
The structural representation of second embodiment of the present invention's second terminal as shown in Figure 4, second terminal 2 comprises outside the identity information receiver module 21 and the second identification authentication module 22, also comprise: second link block 23, reception indicating module 24, payment instruction sending module 25, Transaction Information receiver module 26 and confirmation sending module 27, wherein:
The RFID that second link block 23 is used to set up with merchant terminal 3 is connected;
Receive indicating module 24 and be used for connecting, after the Payment Request of reception merchant terminal 3, indicate first terminal 1 to obtain user's identity information according to the RFID that second link block 23 is set up;
Payment instruction sending module 25 is used for sending payment instruction to bank paying server 4;
Particularly, this payment instruction comprises information such as payment, number of the account, transaction code, and the split-type mobile device side also can send to bank paying server 4 by merchant terminal 3 with this payment instruction then by sending payment instruction to merchant terminal 3.
Transaction Information receiver module 26 is used to receive the Transaction Information of bank paying server 4 or merchant terminal 3 transmissions, confirms for the user;
Particularly, after bank paying server 4 receives payment instruction, can directly Transaction Information be sent to second terminal 2 by wireless network, also Transaction Information can be sent to merchant terminal 3, send this Transaction Information to second terminal 2 by merchant terminal 3 by the RFID connection, after the Transaction Information receiver module 26 of second terminal 2 receives Transaction Information, this Transaction Information is shown to the user, confirms for the user.
The affirmation Transaction Information that confirmation sending module 27 is used for receiving sends to bank paying server 4 or merchant terminal 3.
Particularly, confirmation sending module 27 both can send to bank paying server 4 with user's affirmation Transaction Information by wireless network, finish transaction payment, also can be connected by the RFID that second link block 23 is set up with merchant terminal 3, user's affirmation Transaction Information is sent to merchant terminal 3, by merchant terminal 3 user's affirmation Transaction Information is sent to bank paying server 4 then, handle accounts information by bank paying server 4, finish transaction payment, and return information such as transaction record.
Need to prove that in the network payment process, first terminal 1 of split-type mobile device and second terminal 2 can only need to carry out data interaction with merchant terminal 3, are communicated alternately by merchant terminal 3 and bank paying server 4 then, finish payment; First terminal 1 and second terminal 2 can be electric terminal equipments such as mobile phone, personal digital assistant.
Implement the embodiment of the invention, obtain user's handwritten signature by first terminal of split-type mobile device, fingerprint recognition, identity informations such as iris recognition, and carry out identification authentication in the split-type mobile device side, after the identity authentication succeeds, second terminal of split-type mobile device and described bank paying server and merchant terminal are paid alternately, realized the network payment process of split-type mobile device, and solved and need the user to input troublesome operation such as password in existing, and potential safety hazards such as password is easily stolen have been eliminated, can confirm better that the payer is exactly the user, satisfied user security demand efficiently, improved user experience, and embodiment of the invention split-type mobile device can only need to carry out data interaction with merchant terminal, communicate alternately by merchant terminal and bank paying server, split-type mobile device need not supported associated the Internet protocol, has reduced the production cost of terminal.
Describe network payment system of the present invention and relevant device terminal above in detail, correspondingly, describe online payment method of the present invention in detail below in conjunction with accompanying drawing, particularly, first terminal becomes split-type mobile device with second set of terminal, wherein, first terminal can be handset, also can be main frame, and second terminal can be main frame so accordingly, also can be handset, they can connect by modes such as bluetooth, infrared ray or WI-FI; Merchant terminal can have the terminal device of commodity transaction management function for POS machine or optical character sign indicating number OCR terminal reading device etc., first terminal or second terminal can connect eventually by RFID and businessman, RFID with foundation of first terminal and merchant terminal is connected to example earlier, online payment method of the present invention is described, as shown in Figure 5, comprising:
Step S501: first terminal of split-type mobile device side is set up and is connected with the RFID of merchant terminal;
Step S502: first terminal of split-type mobile device side receives the Payment Request that merchant terminal sends;
Step S503: first terminal of split-type mobile device side is obtained user's identity information;
Particularly, this identity information comprises one or more combinations in handwritten signature information, finger print information or the iris information etc., and first terminal can also be converted to this identity information unique numerical information and store.
Step S504: the split-type mobile device side is carried out identification authentication;
Particularly, first terminal of split-type mobile device side is carried out identification authentication according to the described identity information that obtains; Perhaps first terminal sends to the described identity information that obtains second terminal of split-type mobile device, carry out identification authentication by second terminal according to described identity information, particularly, judge whether this identity information that obtains is consistent with the identity information of storage in advance, when described judged result when being, identity authentication succeeds then, when described judged result for not the time, then identification authentication failure.
Step S505: second terminal of split-type mobile device side sends payment instruction to the bank paying server;
Particularly, first terminal of split-type mobile device can be connected by modes such as bluetooth, infrared ray or WI-FI with second terminal, carry out data communication, after first terminal is carried out identity authentication succeeds, notify second terminal, send payment instruction by second terminal to the bank paying server, perhaps after second terminal is carried out identity authentication succeeds, second terminal directly sends payment instruction to the bank paying server, and this payment instruction comprises information such as payment, number of the account, transaction code.Need to prove that the split-type mobile device side also can send to the bank paying server by merchant terminal with this payment instruction then by sending payment instruction to merchant terminal.
Step S506: the bank paying server sends to merchant terminal with Transaction Information;
Particularly, after the bank paying server receives payment instruction, send Transaction Information to merchant terminal;
Step S507: merchant terminal sends to first terminal with the Transaction Information that receives by being connected with RFID that first terminal of split-type mobile device side is set up;
Step S508: first terminal of split-type mobile device side should confirm that Transaction Information sent to merchant terminal after obtaining user's affirmation Transaction Information;
Particularly, first terminal directly is shown to the user with the Transaction Information of the bank paying server that receives, confirm for the user, perhaps first terminal sends to second terminal with the Transaction Information that receives, be shown to the user by second terminal, confirm for the user, after first terminal directly obtains user's affirmation Transaction Information or obtains user's affirmation information by second terminal then, should confirm that Transaction Information sent to merchant terminal.
Step S509: the affirmation Transaction Information that merchant terminal will receive sends to the bank paying server;
Need to prove that step S506 also can be for the bank paying server directly sends to the split-type mobile device side with Transaction Information, then execution in step S508; Second terminal that step S508 and step S509 also can merge into by the split-type mobile device side directly sends to the bank paying server with user's affirmation Transaction Information by wireless network.
Step S510: bank paying server process account information, finish payment.
Need to prove, after the split-type mobile device side is learnt and finished payment, disconnect and to be connected, and delete the user's that this authentication obtains identity information with the RFID of merchant terminal.
RFID with foundation of first terminal and merchant terminal is connected to example above, and online payment method of the present invention is described, then the RFID with foundation of second terminal and merchant terminal is connected to example, and online payment method of the present invention is described, as shown in Figure 6, comprising:
Step S601: second terminal of split-type mobile device side is set up and is connected with the RFID of merchant terminal;
Step S602: second terminal of split-type mobile device side receives the Payment Request that merchant terminal sends;
Step S603: second terminal of split-type mobile device side indicates first terminal to obtain user's identity information;
Need to prove that first terminal of split-type mobile device can be connected by modes such as bluetooth, infrared ray or WI-FI with second terminal, carries out data communication.
Step S604: first terminal of split-type mobile device side is obtained user's identity information;
Particularly, this identity information comprises one or more combinations in handwritten signature information, finger print information or the iris information etc., and first terminal can also be converted to this identity information unique numerical information and store.
Step S605: the split-type mobile device side is carried out identification authentication;
Particularly, first terminal of split-type mobile device side is carried out identification authentication according to the described identity information that obtains; Perhaps first terminal sends to the described identity information that obtains second terminal of split-type mobile device, carry out identification authentication by second terminal according to described identity information, particularly, judge whether this identity information that obtains is consistent with the identity information of storage in advance, when described judged result when being, identity authentication succeeds then, when described judged result for not the time, then identification authentication failure.
Step S606: second terminal of split-type mobile device side sends payment instruction to the bank paying server;
Particularly, after first terminal is carried out identity authentication succeeds, notify second terminal, send payment instruction by second terminal to the bank paying server, perhaps after second terminal is carried out identity authentication succeeds, second terminal directly sends payment instruction to the bank paying server, and this payment instruction comprises information such as payment, number of the account, transaction code.Need to prove that the split-type mobile device side also can send to the bank paying server by merchant terminal with this payment instruction then by sending payment instruction to merchant terminal.
Step S607: the bank paying server sends to merchant terminal with Transaction Information;
Step S608: merchant terminal sends to second terminal with the Transaction Information that receives by being connected with RFID that second terminal of split-type mobile device side is set up;
Step S609: second terminal of split-type mobile device side should confirm that Transaction Information sent to merchant terminal after obtaining user's affirmation Transaction Information;
Particularly, the Transaction Information of second terminal after with the success of the bank paying server authentication that receives directly is shown to the user, confirms for the user, and the user's that obtains affirmation Transaction Information is sent to merchant terminal.
Step S610: the affirmation Transaction Information that merchant terminal will receive sends to the bank paying server;
Need to prove that step S607 also can directly send to second terminal of split-type mobile device, execution in step S609 then for the Transaction Information of bank paying server after with authentication; Second terminal that step S609 and step S610 also can merge into by the split-type mobile device side directly sends to the bank paying server with user's affirmation Transaction Information by wireless network.
Step S611: bank paying server process account information, finish payment.
Need to prove, after the split-type mobile device side is learnt and finished payment, disconnect and to be connected, and delete the user's that this authentication obtains identity information with the RFID of merchant terminal.
In sum, implement the embodiment of the invention, obtain user's handwritten signature by first terminal of split-type mobile device, fingerprint recognition, identity informations such as iris recognition, and carry out identification authentication in the split-type mobile device side, after the identity authentication succeeds, second terminal of split-type mobile device and described bank paying server and merchant terminal are paid alternately, realized the network payment process of split-type mobile device, and solved and need the user to input troublesome operation such as password in existing, and potential safety hazards such as password is easily stolen have been eliminated, can confirm better that the payer is exactly the user, satisfied user security demand efficiently, improved user experience, and embodiment of the invention split-type mobile device can only need to carry out data interaction with merchant terminal, communicated alternately by merchant terminal and bank paying server, split-type mobile device need not supported associated the Internet protocol, has reduced the production cost of terminal.
Need to prove that through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode that software adds essential hardware platform, can certainly all implement by hardware.Based on such understanding, all or part of can the embodying that technical scheme of the present invention contributes to background technology with the form of software product, this computer software product can be stored in the storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be a personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.
Above disclosed only is preferred embodiment in the embodiment of the invention, can not limit the present invention's interest field certainly with this, and therefore the equivalent variations of doing according to claim of the present invention still belongs to the scope that the present invention is contained.
Claims (15)
1, a kind of online payment method is characterized in that, comprising:
First terminal of split-type mobile device is obtained user's identity information;
Described first terminal is carried out identification authentication according to described identity information; Perhaps described first terminal sends to second terminal of split-type mobile device with described identity information, carries out identification authentication by described second terminal according to described identity information;
After the described identity authentication succeeds, described second terminal and bank paying server are paid alternately, finish payment.
2, the method for claim 1 is characterized in that, first terminal of described split-type mobile device is obtained before user's the identity information, also comprises:
Described first terminal is set up and is connected with the radio frequency discrimination RFID of merchant terminal, receives the Payment Request of described merchant terminal; Perhaps
Described second terminal is set up and is connected with the RFID of merchant terminal, receive the Payment Request of described merchant terminal after, indicate described first terminal execution to obtain the step of user's identity information.
3, method as claimed in claim 2 is characterized in that, described first terminal is carried out identification authentication according to described identity information and comprised:
Whether the described identity information of described first terminal judges is consistent with the identity information of storage in advance, when described judged result is consistent, and identity authentication succeeds then;
Described second terminal is carried out identification authentication according to described identity information and is comprised:
Whether the described identity information of described second terminal judges is consistent with the identity information of storage in advance, when described judged result is consistent, and identity authentication succeeds then.
4, method as claimed in claim 3 is characterized in that, after described identity authentication succeeds, described second terminal and bank paying server are paid alternately, finishes payment and comprises:
Described second terminal sends payment instruction to described bank paying server, described bank paying server sends to described merchant terminal with Transaction Information after receiving described payment instruction, described merchant terminal sends the Transaction Information of described reception to described second terminal and confirms for the user, described bank paying server carries out accounting processing after receiving the affirmation Transaction Information that described second terminal sends, and finishes payment; Perhaps
Described second terminal sends payment instruction to described bank paying server, described bank paying server receives and Transaction Information is sent to described second terminal after the described payment instruction and confirm for the user, described bank paying server carries out accounting processing after receiving the affirmation Transaction Information that described second terminal sends, and finishes payment.
As each described method of claim 1 to 4, it is characterized in that 5, described identity information comprises one or more combinations in handwritten signature information, finger print information or the iris information.
6, a kind of terminal is characterized in that, described terminal is first terminal of split-type mobile device, comprising:
The identity information acquisition module is used to obtain user's identity information;
The first identification authentication module is used for carrying out identification authentication according to the identity information that described identity information acquisition module obtains.
7, terminal as claimed in claim 6 is characterized in that, described first terminal also comprises:
First link block is used to set up with the RFID of merchant terminal and is connected;
The Payment Request receiver module, the RFID that is used for setting up according to described first link block connects, and receives the Payment Request of described merchant terminal.
8, terminal as claimed in claim 6 is characterized in that, the described first identification authentication module comprises:
The first identity information judging unit is used to judge whether the identity information that described identity information acquisition module obtains is consistent with the identity information of storage in advance.
As each described terminal of claim 6 to 8, it is characterized in that 9, described identity information comprises one or more combinations in handwritten signature information, finger print information or the iris information.
10, a kind of terminal is characterized in that, described terminal is second terminal of split-type mobile device, comprising:
The identity information receiver module is used to receive the user's that first terminal corresponding with described split-type mobile device send identity information;
The second identification authentication module is used for carrying out identification authentication according to the identity information that described identity information receiver module receives.
11, terminal as claimed in claim 10 is characterized in that, described second terminal also comprises:
Second link block is used to set up with the RFID of merchant terminal and is connected;
Receive indicating module, the RFID that is used for setting up according to described second link block connects, receive the Payment Request of described merchant terminal after, indicate first terminal of described split-type mobile device to obtain user's identity information.
12, terminal as claimed in claim 10 is characterized in that, the described second identification authentication module comprises:
The second identity information judging unit is used to judge whether the identity information of described identity information receiver module reception is consistent with the identity information of storage in advance.
As each described terminal of claim 10 to 12, it is characterized in that 13, described second terminal also comprises:
The payment instruction sending module is used for sending payment instruction to the bank paying server;
The Transaction Information receiver module is used to receive the Transaction Information that bank paying server or described merchant terminal send, and confirms for the user;
The confirmation sending module, the affirmation Transaction Information that is used for receiving sends to described bank paying server or described merchant terminal.
14, a kind of network payment system is characterized in that, comprises first terminal and second terminal, merchant terminal and the bank paying server of split-type mobile device, wherein,
Described first terminal is used to obtain user's identity information, and carries out identification authentication according to described identity information, perhaps described identity information is sent to described second terminal, carries out identification authentication by described second terminal according to described identity information;
Described second terminal is paid alternately with described bank paying server and merchant terminal after identity authentication succeeds, finishes payment.
15, network payment system as claimed in claim 14 is characterized in that, described first terminal comprises that as each described first terminal of claim 6 to 8, described second terminal comprises as each described second terminal of claim 10 to 12.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009100380391A CN101576982A (en) | 2009-03-19 | 2009-03-19 | Method, terminal and system for network payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009100380391A CN101576982A (en) | 2009-03-19 | 2009-03-19 | Method, terminal and system for network payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101576982A true CN101576982A (en) | 2009-11-11 |
Family
ID=41271915
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2009100380391A Pending CN101576982A (en) | 2009-03-19 | 2009-03-19 | Method, terminal and system for network payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101576982A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103810598A (en) * | 2014-02-12 | 2014-05-21 | 金硕澳门离岸商业服务有限公司 | Payment system and payment method based on terminal device |
| WO2015058709A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Secured payment method and relevant device and system |
| CN104636916A (en) * | 2013-11-15 | 2015-05-20 | 腾讯科技（深圳）有限公司 | Mobile payment method and system and related equipment |
| CN104751334A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Service processing method, device and system |
| WO2015161647A1 (en) * | 2014-04-22 | 2015-10-29 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| CN105184559A (en) * | 2015-08-18 | 2015-12-23 | 中国联合网络通信集团有限公司 | System and method for payment |
| CN106033572A (en) * | 2015-03-20 | 2016-10-19 | 镇江华锐科技信息有限公司 | Mobile terminal system based on iris recognition system |
| CN106651341A (en) * | 2016-09-27 | 2017-05-10 | 北京小米移动软件有限公司 | On-line payment method and apparatus |
| CN111192043A (en) * | 2018-11-14 | 2020-05-22 | 中国移动通信集团安徽有限公司 | Payment method, payment terminal and payment system |
| CN111833043A (en) * | 2015-05-25 | 2020-10-27 | 创新先进技术有限公司 | Information interaction method, equipment and server |
-
2009
- 2009-03-19 CN CNA2009100380391A patent/CN101576982A/en active Pending
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015058709A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Secured payment method and relevant device and system |
| CN104636916A (en) * | 2013-11-15 | 2015-05-20 | 腾讯科技（深圳）有限公司 | Mobile payment method and system and related equipment |
| CN104751334A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Service processing method, device and system |
| WO2015101310A1 (en) * | 2013-12-31 | 2015-07-09 | 腾讯科技（深圳）有限公司 | Service processing method, device and system |
| CN104751334B (en) * | 2013-12-31 | 2022-04-26 | 腾讯科技（深圳）有限公司 | Service processing method, device and system |
| CN103810598A (en) * | 2014-02-12 | 2014-05-21 | 金硕澳门离岸商业服务有限公司 | Payment system and payment method based on terminal device |
| US9836779B2 (en) | 2014-04-22 | 2017-12-05 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| WO2015161647A1 (en) * | 2014-04-22 | 2015-10-29 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| US10657582B2 (en) | 2014-04-22 | 2020-05-19 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| CN106033572A (en) * | 2015-03-20 | 2016-10-19 | 镇江华锐科技信息有限公司 | Mobile terminal system based on iris recognition system |
| CN111833043B (en) * | 2015-05-25 | 2024-04-19 | 创新先进技术有限公司 | Information interaction method, equipment and server |
| CN111833043A (en) * | 2015-05-25 | 2020-10-27 | 创新先进技术有限公司 | Information interaction method, equipment and server |
| CN105184559A (en) * | 2015-08-18 | 2015-12-23 | 中国联合网络通信集团有限公司 | System and method for payment |
| CN105184559B (en) * | 2015-08-18 | 2018-12-28 | 中国联合网络通信集团有限公司 | A kind of payment system and method |
| CN106651341A (en) * | 2016-09-27 | 2017-05-10 | 北京小米移动软件有限公司 | On-line payment method and apparatus |
| CN111192043A (en) * | 2018-11-14 | 2020-05-22 | 中国移动通信集团安徽有限公司 | Payment method, payment terminal and payment system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101482950A (en) | Network payment method, terminal and system | |
| CN101576982A (en) | Method, terminal and system for network payment | |
| US9473295B2 (en) | Virtual transportation point of sale | |
| JP6128565B2 (en) | Transaction processing system and method | |
| EP2439706A1 (en) | Device, system and transaction method for integrating payment function and receipt function | |
| US9519900B2 (en) | Secure two party matching transaction system | |
| CN102737308A (en) | Mobile terminal and method and system for inquiring information of intelligent card | |
| CN102622828B (en) | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof | |
| CN110678888B (en) | Customer initiated payment transaction system and method | |
| US20160192119A1 (en) | Method and system of generating nfc-transaction remotely | |
| CN103380435A (en) | Credit card payment system including a repeater and a mobile communication terminal, apparatus included in the system, and method for being performed for a credit card payment in the apparatus | |
| CN104268744A (en) | Mobile payment achieving method and system | |
| CN103985037A (en) | Mobile payment system and method | |
| US20130018758A1 (en) | Quidlr | |
| WO2001088785A1 (en) | Electronic settlement system, settlement device, and terminal | |
| JP2014513825A5 (en) | ||
| Ali et al. | Secure mobile communication in m-payment system using NFC technology | |
| KR20120049578A (en) | Method for credit card payment service at mobile terminal | |
| CN103365819A (en) | Electronic calculator with network transfer and collection and payment functions and network transfer method thereof | |
| CN103927827A (en) | Supermarket cash registering system and method | |
| CN110766397A (en) | Near-field payment method based on data identification model | |
| CN102509359A (en) | Information automatic processing terminal and information automatic processing system | |
| CN105608568A (en) | Device integrating functions of finance card payment and settlement and finance card payment and settlement method | |
| KR20170098422A (en) | Payment remote control for offline payment, method of offline payment using the same and storage media storing the same | |
| EP2851764A1 (en) | Stylus, mobile terminal and information processing method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Open date: 20091111 |