CN110009328A - Method of mobile payment and device and electronic equipment - Google Patents
Method of mobile payment and device and electronic equipment Download PDFInfo
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- CN110009328A CN110009328A CN201811334114.4A CN201811334114A CN110009328A CN 110009328 A CN110009328 A CN 110009328A CN 201811334114 A CN201811334114 A CN 201811334114A CN 110009328 A CN110009328 A CN 110009328A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- Computer Networks & Wireless Communication (AREA)
- General Physics & Mathematics (AREA)
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Abstract
This specification embodiment provides a kind of method of mobile payment and device and electronic equipment, which comprises the micro-control unit identifies the facility information and 2.4G communication link parameter for the Cash collecting equipment for supporting the Cash collecting equipment of confinement communication to be transmitted by alternating magnetic field based on the alternating magnetic field module；The micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that the 2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；The micro-control unit receives the exchange hour stamp that the Cash collecting equipment is sent based on the 2.4G communication link；The micro-control unit is stabbed according to facility information, the code factor and exchange hour based on the payment code generating algorithm in safety chip and generates payment code；The payment code is sent to the Cash collecting equipment by the 2.4G communication link by the micro-control unit, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
Description
Technical field
This specification embodiment is related to payment technology field more particularly to a kind of method of mobile payment and device and electronics is set
It is standby.
Background technique
In mobile payment, most widely used is barcode scanning payment；User realizes mobile branch by scanning businessman's gathering code
It pays.However, the barcode scanning means of payment has low efficiency, i.e. user needs to take out mobile phone, opens payment application, opens barcode scanning
Function, alignment gathering two dimensional code such as are scanned at multiple steps；It takes a long time, do not utilize some instantaneous or pays scene in short-term
Requirement.
It needs to provide a kind of suitable for instantaneous or payment demand in short-term mobile payment scheme.
Summary of the invention
A kind of method of mobile payment and device and electronic equipment that this specification embodiment provides:
According to this specification embodiment in a first aspect, providing a kind of mobile-payment system, the system comprises mobile whole
End and Cash collecting equipment；Wherein, the mobile terminal has confinement communication module, and it is logical that the confinement communication module specifically includes 2.4G
Believe that module, alternating magnetic field module and micro-control unit, the safety chip in the micro-control unit are stored with payment code and generate calculation
Method and the code factor；
The Cash collecting equipment that the alternating magnetic field module supports confinement to communicate for identification is somebody's turn to do by what alternating magnetic field was transmitted
The facility information and 2.4G communication link parameter of Cash collecting equipment；
The 2.4G communication module is used to establish 2.4G communication link with the Cash collecting equipment；
The micro-control unit is used to receive the exchange hour that the Cash collecting equipment is sent by the 2.4G communication link
Stamp；And it is stabbed based on the payment code generating algorithm in safety chip according to facility information, the code factor and exchange hour and generates payment code；
The micro-control unit is also used to that the payment code is sent to the gathering by the 2.4G communication link and sets
It is standby, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
According to the second aspect of this specification embodiment, a kind of method of mobile payment is provided, the method is applied to movement
Terminal, the mobile terminal integrate finite field communication module, and the confinement communication module includes 2.4G communication module, alternating magnetic field
Module, pay the bill code generation module and micro-control unit, the safety chip in the micro-control unit are stored with payment code and generate calculation
The code factor that method and payment application provide, which comprises
The micro-control unit is identified based on the alternating magnetic field module supports the Cash collecting equipment of confinement communication to pass through alternation
The facility information and 2.4G communication link parameter for the Cash collecting equipment that magnetic field is transmitted；
The micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that described
2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
The micro-control unit receives the exchange hour stamp that the Cash collecting equipment is sent based on the 2.4G communication link；
The micro-control unit is based on the payment code generating algorithm in safety chip according to facility information, the code factor and transaction
Timestamp generates payment code；
The payment code is sent to the Cash collecting equipment by the 2.4G communication link by the micro-control unit, so that
The Cash collecting equipment pays link by anti-barcode scanning and completes the corresponding payment transaction of the payment code.
According to the third aspect of this specification embodiment, a kind of mobile payment device is provided, described device is applied to movement
Terminal, the mobile terminal integrate finite field communication module, and the confinement communication module includes 2.4G communication module, alternating magnetic field
Module, pay the bill code generation module and micro-control unit, the safety chip in the micro-control unit are stored with payment code and generate calculation
The code factor that method and payment application provide, described device include:
Recognition unit, the micro-control unit identify the Cash collecting equipment for supporting confinement communication based on the alternating magnetic field module
Pass through the facility information and 2.4G communication link parameter of the Cash collecting equipment that alternating magnetic field is transmitted；
Unit is established, the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged,
So that the 2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
Receiving unit, the micro-control unit receive the transaction that the Cash collecting equipment is sent based on the 2.4G communication link
Timestamp；
Generation unit, the micro-control unit is based on the payment code generating algorithm in safety chip according to facility information, code
The factor and exchange hour stamp generate payment code；
The payment code is sent to the gathering by the 2.4G communication link by transmission unit, the micro-control unit
Equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
According to the fourth aspect of this specification embodiment, a kind of electronic equipment is provided, comprising:
Processor；
Memory for storage processor executable instruction；
Wherein, the processor is configured to method of mobile payment described in any of the above embodiments.
This specification embodiment, provides a kind of mobile payment scheme, and mobile device can be based on RCC module and support
The Cash collecting equipment of RCC realizes RCC communication, and paying party may finally be transferred to by the mobile device in such a way that RCC is communicated
Cash collecting equipment realizes payment.On the one hand, since RCC communication efficiency is higher, the response time of every payment can be shortened；It is another
Aspect, user only need mobile terminal close to Cash collecting equipment, without much being operated like that barcode scanning payment；So
Mobile payment can be rapidly completed using the embodiment that this specification provides, greatly reduce payment duration, improve payment effect
Rate；In another aspect, since the operation of RCC module is not influenced by mobile terminal, as long as mobile terminal power supply passes through RCC module
Middle safety chip generates payment code, therefore even if the mobile branch of RCC communication still may be implemented in the case where mobile terminal puts out screen state
It pays.
Detailed description of the invention
Fig. 1 is the configuration diagram for the mobile-payment system that one embodiment of this specification provides；
Fig. 2 is the flow chart for the method for mobile payment that one embodiment of this specification provides；
Fig. 3 is the configuration diagram for the mobile-payment system that one embodiment of this specification provides；
Fig. 4 is the flow chart for the method for mobile payment that one embodiment of this specification provides；
Fig. 5 is the hardware structure diagram for the mobile payment device that one embodiment of this specification provides；
Fig. 6 is the module diagram for the mobile payment device that one embodiment of this specification provides；
Fig. 7 is the hardware structure diagram for the mobile payment device that one embodiment of this specification provides；
Fig. 8 is the module diagram for the mobile payment device that one embodiment of this specification provides.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
It is instantaneous or usually may be used for duration needed for entire payment flow in short-term described in this specification
Duration is less than being known as instantaneously or in short-term for threshold value, such as payment of the duration in 5 seconds will be paid and be referred to as instantaneous payment
Or it pays in short-term.
Illustration is instantaneous so that mobile payment application is in public transport as an example below or pays scene in short-term.It is taking
When riding in a bus, passenger needs to pay public transport and takes expense, however since the passengers quantity taken is more, and bus driver needs
It is absorbed in driving, the barcode scanning means of payment is simultaneously not suitable for.For this purpose, being proposed NFC (Near Field in the related technology
Communication, near-field communication) payment or anti-barcode scanning payment technology.
The anti-barcode scanning payment technology and barcode scanning are paid on the contrary, barcode scanning payment is to provide two dimensional code by beneficiary, by paying the bill
Side's scanning；And anti-barcode scanning payment is to show two dimensional code by paying party, is scanned by beneficiary.Wherein, anti-barcode scanning payment generally requires
Beneficiary is equipped with a barcode scanning terminal.In use, paying party can be by the payment two dimensional code shown on mobile terminal close to barcode scanning
Terminal, for the automatic barcode scanning of barcode scanning terminal；Payment amount is equally arranged by barcode scanning terminal.
A kind of configuration diagram of the mobile-payment system provided as shown in Figure 1 for this specification, the system can wrap
Include mobile terminal 10 and Cash collecting equipment 20；Wherein, there is the mobile terminal 10 confinement to communicate (Range Controlled
Communication, RCC) module 11, the RCC module 11 can specifically include Bluetooth communication (Bluetooth Low
Energy, BLE) module 111,2.4G communication module 112, alternating magnetic field module 113 and micro-control unit
(Microcontroller Unit, MCU) 114；
The Cash collecting equipment 20 that the alternating magnetic field module 113 supports confinement to communicate for identification is transmitted by alternating magnetic field
The Cash collecting equipment 20 facility information and 2.4G communication link parameter；
The 2.4G communication module 112 is used to establish 2.4G communication link with the Cash collecting equipment 20；
The bluetooth communication 111 is used to establish bluetooth communications link with the mobile terminal 10；
The micro-control unit 114 is used to the facility information 20 being based on the bluetooth communications link to pass to the shifting
The payment application installed in dynamic terminal 10；And the payment code for generating the payment application according to the facility information is described in
2.4G communication link is sent to the Cash collecting equipment 20, so that the Cash collecting equipment 20 is paid described in link completion by anti-barcode scanning
The corresponding payment transaction of payment code.
As shown in Figure 1, system can also include payment Operation Server 30, for receiving and processing Cash collecting equipment 20 anti-
The gathering transaction request initiated after barcode scanning payment code.It specifically, can between the Cash collecting equipment 20 and payment Operation Server 30
There is anti-barcode scanning payment link to establish, for executing the gathering transaction request of Cash collecting equipment 20.
Wherein, the mobile terminal 10 may include the mobile devices such as smart phone, smartwatch, Intelligent bracelet.
Wherein, there may be differences for the title of the Cash collecting equipment 20 under different scenes, for example, in shopping place, institute
Cash collecting equipment 20 can refer to POS (Pointofsales) machine；On bus, the Cash collecting equipment 20 can refer to intelligent public affairs
Hand over the POS；Under subway scene, the Cash collecting equipment 20 can be subway gate (also referred to as flap turnstile)；In short, regardless of field
Scape, as long as machine, the device etc. for gathering are properly termed as Cash collecting equipment.
Wherein, the confinement communication is a kind of logical in conjunction with alternating magnetic field realization data using 2.4G (some is also referred to as 2.45G)
The technology of letter.
The RCC at least may include: with aforementioned NFC difference
1, communications band is different.The communications band of NFC is 13.56MHz；And the frequency range of RCC is 2.4G.The 2.4G is one
Kind is referred to as, and communications band is typically between 2.400GHz-2.4835GHz, and some further includes 2.45GHZ.
2, communication distance is different.The communication distance of NFC is usually within 10 centimetres；And RCC may be implemented closely 10 lis
Within rice, within 50 centimetres of middle distance, the control in multiple communication distance sections such as remote 10 meters or so.
3, communication bandwidth is different.NFC communication bandwidth is between 106K-848K；And RCC is between 1M-8M, is the 10 of NFC
Times；Therefore, the response time of RCC is far smaller than NFC.
Block it is noted that RCC can be applied at mobile phone SIM (Subscriber IdentificationModule)
On, RCC-SIM card is made, can have RCC communication capacity after mobile terminal insertion RCC-SIM card.Similar, it can also answer
Used in SD card (Secure Digital Memory Card, safety digital storage card), RCC-SD card, mobile terminal insertion is made
Can have RCC communication capacity after RCC-SD card.
In one implementation: aforementioned confinement communication module can refer to that RCC-SUM card, i.e. mobile terminal are inserted with RCC-
SUM card, such mobile terminal can have RCC communication capacity.
In another implementation: aforementioned confinement communication module can refer to hardware module individually with RCC function,
The hardware module can integrate on the mainboard of mobile terminal, so that mobile terminal can have RCC communication capacity.
Similar, Cash collecting equipment wants that there is RCC ability to be also required to having RCC module；Certainly since Cash collecting equipment is not required to
Have all communication capacities that mobile terminal has, therefore can not have bluetooth module.
To sum up, mobile device can realize that RCC is communicated with the Cash collecting equipment of RCC is supported based on RCC module, and the movement is set
It is standby paying party to be transferred to Cash collecting equipment in such a way that RCC is communicated, realize payment.On the one hand, since RCC is communicated
Efficiency is higher, can shorten the response time of every payment；On the other hand, user only needs mobile terminal close to Cash collecting equipment
, without much being operated like that barcode scanning payment；So can be rapidly completed using the embodiment that this specification provides
Mobile payment greatly reduces payment duration, improves payment efficiency.
A kind of flow diagram for method of mobile payment that this specification shown in Fig. 2 provides, the side are please referred to below
Method is applied to mobile terminal, and the mobile terminal integrates confinement communication module, and the confinement communication module includes Bluetooth communication mould
Block, 2.4G communication module, alternating magnetic field module and micro-control unit, which comprises
Step 210: the micro-control unit identifies the Cash collecting equipment for supporting confinement communication based on the alternating magnetic field module
Pass through the facility information and 2.4G communication link parameter of the Cash collecting equipment that alternating magnetic field is transmitted.
Step 220: the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, with
The 2.4G communication module is set to establish the 2.4G communication link between the Cash collecting equipment；
Step 230: the micro-control unit is based on the indigo plant established between the bluetooth communication and the mobile terminal
The facility information is passed to the payment application installed on the mobile terminal by tooth communication link, so that root is applied in the payment
Payment code is generated according to the facility information；
Step 240: the micro-control unit is based on the bluetooth communication reception payment application and passes through the indigo plant
The payment code that tooth communication link returns；
Step 250: the payment code is sent to the gathering by the 2.4G communication link by the micro-control unit
Equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
A kind of alternating magnetic field is combined to realize using 2.4G (some be also referred to as 2.45G) as previously mentioned, confinement communication can refer to
The technology of data communication.
It is illustrated below in conjunction with a complete mobile payment transaction process.
It, can be by the mobile terminal held when user needs to carry out mobile payment (mobile terminal integrates RCC module)
The Cash collecting equipment of RCC transaction is supported close to one.Wherein, the Cash collecting equipment continues through the equipment that alternating magnetic field sends itself
Information and 2.4G communication link parameter.The facility information may include Cash collecting equipment number (the usual number has uniqueness,
The corresponding unique equipment of one number) and/or Cash collecting equipment where position, the position can be current city, then
Longitude and latitude can specifically be navigated to.
When distance of mobile terminal Cash collecting equipment is close enough, the MCU of RCC module can be based on alternation magnetic on mobile terminal
Field module identifies the facility information and 2.4G communication link parameter that the Cash collecting equipment is sent.
2.4G communication module can be arranged according to this 2.4G communication link parameter in one side at this time, MCU；Due to this
2.4G communication link parameter is the parameter for establishing 2.4G communication link of Cash collecting equipment agreement, therefore when 2.4G communication module is same
After 2.4G communication link parameter, so that it may set up the 2.4G communication link between Cash collecting equipment.
Another aspect, MCU can be based on establishing Bluetooth communication between the bluetooth communication and the mobile terminal
Link, and the facility information is passed to the payment application installed on the mobile terminal, so that basis is applied in the payment
The facility information generates payment code；And the MCU can receive the payment application based on the bluetooth communication and lead to
Cross the payment code that the bluetooth communications link returns.Wherein, the payment application generates payment code, tool according to the facility information
Body may include:
It based on payment code generating algorithm, is stabbed according to facility information, the code factor and exchange hour, generates payment code.The friendship
Easy timestamp can usually refer to current time stamp when generating payment code, be provided by payment application.
After MCU receives payment code, so that it may based on the 2.4G communication link established and kept before by the payment
Code is sent to the Cash collecting equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding branch of the payment code
Pay transaction.
The anti-barcode scanning payment link as shown in Figure 1, be the link established between Cash collecting equipment and payment Operation Server,
For executing the gathering transaction request of Cash collecting equipment.Cash collecting equipment can scan payment code acquisition and pay after receiving payment code
Money side's account information is assembled into gathering request after adding the information such as the amount of money wait collect money, and gathering request is swept based on counter
Code payment link is sent to payment Operation Server, completes transaction according to the message in gathering request by payment Operation Server,
Such as in the case where determining paying party account, beneficiary account and collection amount, the gathering is taken off from paying party account
The fund of the amount of money, and the investment beneficiary account that will be taken off.
The application scenarios exemplified below for being applicable in this specification mobile payment scheme.
The scene in public transport can be applied:
The paying party may include that public transport takes code.Specifically: when riding in a bus, transit riding code；It takes the subway
When, subway is ridden code；When multiplying light rail, light rail is ridden code；Multiply the code by bus when the trains such as high-speed rail, motor-car.
It can be applied in the scene of daily shopping:
Such as the payment of shopping, unmanned vending machine payment (self-service ticketing machine, grab doll machine, food and drink machine, from
Help the machine of taking pictures etc.).
Please noting that above-mentioned application scenarios only is the several examples enumerated, and not defining can only be real in above-mentioned application scenarios
It applies；It should be understood that the mobile payment scheme of this specification offer can be implemented in the application scenarios of all mobile payments.
The mobile payment scheme that this specification provides, mobile device can the Cash collecting equipments based on RCC module and support RCC
Realize RCC communication, paying party may finally be transferred to Cash collecting equipment in such a way that RCC is communicated, realized by the mobile device
Payment.On the one hand, since RCC communication efficiency is higher, the response time of every payment can be shortened；On the other hand, user only needs
By mobile terminal close to Cash collecting equipment, without much being operated like that barcode scanning payment；So using this specification
Mobile payment can be rapidly completed in the embodiment of offer, greatly reduce payment duration, improve payment efficiency.
Due to needing to pay application intervention generation payment code during above-described embodiment realization, moved in payment process
Payment in dynamic terminal is always on using needs.Under normal circumstances, payment can be set in the operating system of mobile terminal to answer
It is applied with permission, such as holding payment in the case where putting out screen state still in running background, or payment is using self-starting etc.；So use
Family can realize the mobile payment of RCC communication in the case where putting out screen state.However, in practical applications, user may there is no be arranged
Pay application permission；Or certain security softwares will limit the payment application that payment applies self-starting, running background is automatically closed
Mobile payment can not be carried out under screen state Deng that all mobile terminal can be caused to put out.For this purpose, this specification additionally provides another movement
Payment scheme is put out with to solve mobile terminal and goes on smoothly mobile payment under screen state.
It is illustrated in figure 3 a kind of configuration diagram of mobile-payment system of this specification offer, the system comprises shiftings
Dynamic terminal 60 and Cash collecting equipment 70；Wherein, the mobile terminal 60 has confinement communication module 61, the confinement communication module 61
2.4G communication module 612, alternating magnetic field module 613 and micro-control unit 611 are specifically included, in the micro-control unit 611
The code factor that safety chip (Secure Element, SE) 614 is stored with payment code generating algorithm and payment application provides；
The Cash collecting equipment 70 that the alternating magnetic field module 613 supports confinement to communicate for identification is transmitted by alternating magnetic field
The Cash collecting equipment 70 facility information and 2.4G communication link parameter；
The 2.4G communication module 612 is used to establish 2.4G communication link with the Cash collecting equipment 70；
The micro-control unit 611 is used to receive the transaction that the Cash collecting equipment 70 is sent by the 2.4G communication link
Timestamp；And it is stabbed and is generated according to facility information, the code factor and exchange hour based on the payment code generating algorithm in safety chip 614
Payment code；
The micro-control unit 611 is also used to that the payment code is sent to the gathering by the 2.4G communication link
Equipment 70, so that the Cash collecting equipment 70, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
As shown in figure 3, system can also include payment Operation Server 80, for receiving and processing Cash collecting equipment 80 anti-
The gathering transaction request initiated after barcode scanning payment code.It specifically, can between the Cash collecting equipment 70 and payment Operation Server 80
There is anti-barcode scanning payment link to establish, for executing the gathering transaction request of Cash collecting equipment 80.
Wherein, the mobile terminal 60 may include the mobile devices such as smart phone, smartwatch, Intelligent bracelet.
Wherein, there may be differences for the title of the Cash collecting equipment 70 under different scenes, for example, in shopping place, institute
Cash collecting equipment 70 can refer to POS machine；On bus, the Cash collecting equipment 70 can refer to the intelligent bus POS；On ground
Under iron scene, the Cash collecting equipment 70 can be subway gate (also referred to as flap turnstile)；In short, regardless of scene, as long as being used for
Machine, device of gathering etc. are properly termed as Cash collecting equipment.
RCC technology is identical as previous embodiment in the present embodiment, this is not repeated no longer.
Mobile device can realize that RCC is communicated with the Cash collecting equipment of RCC is supported based on RCC module in the present embodiment, described
Paying party may finally be transferred to Cash collecting equipment in such a way that RCC is communicated by mobile device, realize payment.On the one hand, due to
RCC communication efficiency is higher, can shorten the response time of every payment；On the other hand, user only need by mobile terminal close to
Cash collecting equipment, without much being operated like that barcode scanning payment；So the embodiment for using this specification to provide can be with
Mobile payment is rapidly completed, greatly reduces payment duration, improves payment efficiency；In another aspect, not due to the operation of RCC module
It is influenced by mobile terminal, as long as mobile terminal is powered through safety chip generation payment code in RCC module, therefore even if
The mobile payment of RCC communication still may be implemented in the case where mobile terminal puts out screen state.
A kind of flow diagram for method of mobile payment that this specification shown in Fig. 4 provides, the side are please referred to below
Method is applied to mobile terminal, and the mobile terminal integrates finite field communication module, and the confinement communication module is communicated comprising 2.4G
Module, alternating magnetic field module, pay the bill code generation module and micro-control unit, the safety chip in the micro-control unit are stored with
The code factor that code generating algorithm of paying the bill and payment application provide, which comprises
Step 310: the micro-control unit identifies the Cash collecting equipment for supporting confinement communication based on the alternating magnetic field module
Pass through the facility information and 2.4G communication link parameter of the Cash collecting equipment that alternating magnetic field is transmitted；
Step 320: the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, with
The 2.4G communication module is set to establish the 2.4G communication link between the Cash collecting equipment；
Step 330: the micro-control unit receives the transaction that the Cash collecting equipment is sent based on the 2.4G communication link
Timestamp；
Step 340: the micro-control unit based on the payment code generating algorithm in safety chip according to facility information, code because
Son and exchange hour stamp generate payment code；
Step 350: the payment code is sent to the gathering by the 2.4G communication link by the micro-control unit
Equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
A kind of alternating magnetic field is combined to realize using 2.4G (some be also referred to as 2.45G) as previously mentioned, confinement communication can refer to
The technology of data communication.
It is illustrated below also in conjunction with a complete mobile payment transaction process.
It, can be by the mobile terminal held when user needs to carry out mobile payment (mobile terminal integrates RCC module)
The Cash collecting equipment of RCC transaction is supported close to one.Wherein, the Cash collecting equipment continues through the equipment that alternating magnetic field sends itself
Information and 2.4G communication link parameter.The facility information may include Cash collecting equipment number (the usual number has uniqueness,
The corresponding unique equipment of one number) and/or Cash collecting equipment where position, the position can be current city, then
Longitude and latitude can specifically be navigated to.
When distance of mobile terminal Cash collecting equipment is close enough, the MCU of RCC module can be based on alternation magnetic on mobile terminal
Field module identifies the facility information and 2.4G communication link parameter that the Cash collecting equipment is sent.
At this point, 2.4G communication module can be arranged according to this 2.4G communication link parameter in MCU；Since this 2.4G is communicated
Link parameter is the parameter for establishing 2.4G communication link of Cash collecting equipment agreement, therefore when 2.4G communication module is equally provided with
After 2.4G communication link parameter, so that it may set up the 2.4G communication link between Cash collecting equipment.
After establishing 2.4G communication link, Cash collecting equipment can send exchange hour based on the 2.4G communication link
Stamp；The exchange hour stamp can refer to timestamp when Cash collecting equipment is sent.Please note that from unlike Fig. 2 embodiment, this
The exchange hour stamp of embodiment is provided by Cash collecting equipment.The reason is that raw using payment code is not involved in by paying in this present embodiment
At, and exchange hour stabs but is essential, therefore turns to provide exchange hour stamp by Cash collecting equipment.
Then, MCU, can be based on paying in safety chip after receiving exchange hour stamp based on 2.4G communication link
Money code generating algorithm is stabbed according to facility information, the code factor and exchange hour generates payment code.
It should be noted that the timeliness of the code factor be divided into it is permanent effectively and it is permanent effectively.It is either any, it requires to move
The payment application installed in dynamic terminal provides, specifically:
The code factor is incoming by the payment application installed in mobile terminal by bluetooth communications link.For this purpose, RCC module
In also need to be arranged bluetooth communication (being not shown in Fig. 3)；And the bluetooth communication can be established blue with mobile terminal
Tooth communication link, and the code factor that payment application is transmitted is received based on the bluetooth communications link.
Wherein, for the permanent effective code factor, the case where having failure eventually, for this kind of code factor；Whenever payment is answered
After unlatching, the newest code factor can be passed to the SE in RCC module by bluetooth communications link by payment application, with more
The code factor stored in new SE.
After SE generates payment code, MCU described can will be paid based on the 2.4G communication link established and kept before
Money code is sent to the Cash collecting equipment, so that the Cash collecting equipment is corresponding by the anti-barcode scanning payment link completion payment code
Payment transaction.
The anti-barcode scanning payment link as shown in figure 3, be the link established between Cash collecting equipment and payment Operation Server,
For executing the gathering transaction request of Cash collecting equipment.Cash collecting equipment can scan payment code acquisition and pay after receiving payment code
Money side's account information is assembled into gathering request after adding the information such as the amount of money wait collect money, and gathering request is swept based on counter
Code payment link is sent to payment Operation Server, completes transaction according to the message in gathering request by payment Operation Server,
Such as in the case where determining paying party account, beneficiary account and collection amount, the gathering is taken off from paying party account
The fund of the amount of money, and the investment beneficiary account that will be taken off.
The application scenarios exemplified below for being applicable in this specification mobile payment scheme.
The scene in public transport can be applied:
The paying party may include that public transport takes code.Specifically: when riding in a bus, transit riding code；It takes the subway
When, subway is ridden code；When multiplying light rail, light rail is ridden code；Multiply the code by bus when the trains such as high-speed rail, motor-car.
It can be applied in the scene of daily shopping:
Such as the payment of shopping, unmanned vending machine payment (self-service ticketing machine, grab doll machine, food and drink machine, from
Help the machine of taking pictures etc.).
Please noting that above-mentioned application scenarios only is the several examples enumerated, and not defining can only be real in above-mentioned application scenarios
It applies；It should be understood that the mobile payment scheme of this specification offer can be implemented in the application scenarios of all mobile payments.
Mobile device can realize that RCC is communicated with the Cash collecting equipment of RCC is supported based on RCC module in the present embodiment, described
Paying party may finally be transferred to Cash collecting equipment in such a way that RCC is communicated by mobile device, realize payment.On the one hand, due to
RCC communication efficiency is higher, can shorten the response time of every payment；On the other hand, user only need by mobile terminal close to
Cash collecting equipment, without much being operated like that barcode scanning payment；So the embodiment for using this specification to provide can be with
Mobile payment is rapidly completed, greatly reduces payment duration, improves payment efficiency；In another aspect, not due to the operation of RCC module
It is influenced by mobile terminal, as long as mobile terminal is powered through safety chip generation payment code in RCC module, therefore even if
The mobile payment of RCC communication still may be implemented in the case where mobile terminal puts out screen state.
Corresponding with method of mobile payment embodiment shown in earlier figures 2, this specification additionally provides mobile payment device
Embodiment.Described device embodiment can also be realized by software realization by way of hardware or software and hardware combining.
It taking software implementation as an example, is to be deposited by the processor of equipment where it by non-volatile as the device on a logical meaning
Corresponding computer business program instruction is read into memory what operation was formed in reservoir.For hardware view, such as Fig. 5 institute
Show, is a kind of hardware structure diagram of equipment where this specification mobile payment device, in addition to processor shown in fig. 5, network connect
Mouthful, except memory and nonvolatile memory, equipment in embodiment where device generally according to mobile payment actual functional capability,
It can also include other hardware, this is repeated no more.
Fig. 6 is referred to, for the module map for the mobile payment device that one embodiment of this specification provides, described device is corresponding
Embodiment illustrated in fig. 2, described device are applied to mobile terminal, and the mobile terminal integrates finite field communication module, the confinement
Communication module includes that bluetooth communication, 2.4G communication module, alternating magnetic field module and micro-control unit, described device include:
Recognition unit 410, the micro-control unit identify the gathering for supporting confinement communication based on the alternating magnetic field module
The facility information and 2.4G communication link parameter for the Cash collecting equipment that equipment is transmitted by alternating magnetic field；
Unit 420 is established, the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication mould is arranged
Block, so that the 2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
Transfer unit 430, the micro-control unit are based on establishing between the bluetooth communication and the mobile terminal
Bluetooth communications link the facility information is passed to the payment application installed on the mobile terminal so that the payment is answered
Payment code is generated with according to the facility information；
Receiving unit 440, the micro-control unit are based on the bluetooth communication reception payment application and pass through institute
State the payment code of bluetooth communications link return；
The payment code is sent to described by transmission unit 450, the micro-control unit by the 2.4G communication link
Cash collecting equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
Optionally, the facility information includes position and/or the Cash collecting equipment number of the Cash collecting equipment.
Optionally, the position includes place city.
Optionally, the payment code includes that public transport takes code.
Optionally, the public transport includes at least one of bus, subway, light rail, high-speed rail.
Corresponding with method of mobile payment embodiment shown in earlier figures 4, this specification additionally provides mobile payment device
Embodiment.Described device embodiment can also be realized by software realization by way of hardware or software and hardware combining.
It taking software implementation as an example, is to be deposited by the processor of equipment where it by non-volatile as the device on a logical meaning
Corresponding computer business program instruction is read into memory what operation was formed in reservoir.For hardware view, such as Fig. 7 institute
Show, is a kind of hardware structure diagram of equipment where this specification mobile payment device, in addition to processor shown in Fig. 7, network connect
Mouthful, except memory and nonvolatile memory, equipment in embodiment where device generally according to mobile payment actual functional capability,
It can also include other hardware, this is repeated no more.
Fig. 8 is referred to, for the module map for the mobile payment device that one embodiment of this specification provides, described device is corresponding
Embodiment illustrated in fig. 4, described device are applied to mobile terminal, and the mobile terminal integrates finite field communication module, the confinement
Communication module includes 2.4G communication module, alternating magnetic field module, payment code generation module and micro-control unit, the microcontroller list
The code factor that safety chip in member is stored with payment code generating algorithm and payment application provides, described device include:
Recognition unit 510, the micro-control unit identify the gathering for supporting confinement communication based on the alternating magnetic field module
The facility information and 2.4G communication link parameter for the Cash collecting equipment that equipment is transmitted by alternating magnetic field；
Unit 520 is established, the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication mould is arranged
Block, so that the 2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
Receiving unit 530, the micro-control unit receive what the Cash collecting equipment was sent based on the 2.4G communication link
Exchange hour stamp；
Generation unit 540, the micro-control unit based on the payment code generating algorithm in safety chip according to facility information,
The code factor and exchange hour stamp generate payment code；
The payment code is sent to described by transmission unit 550, the micro-control unit by the 2.4G communication link
Cash collecting equipment, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
Optionally, the code factor is incoming by the payment application installed in mobile terminal by bluetooth communications link.
Optionally, the facility information includes position and/or the Cash collecting equipment number of the Cash collecting equipment.
Optionally, the position includes place city.
Optionally, the payment code includes that public transport takes code.
Optionally, the public transport includes at least one of bus, subway, light rail, high-speed rail.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
The function of each unit and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
Figure 6 above describes inner function module and the structural representation of mobile payment device, substantial executing subject
It can be a kind of electronic equipment, comprising:
Processor；
Memory for storage processor executable instruction；
Wherein, the processor is configured to:
The micro-control unit is identified based on the alternating magnetic field module supports the Cash collecting equipment of confinement communication to pass through alternation
The facility information and 2.4G communication link parameter for the Cash collecting equipment that magnetic field is transmitted；
The micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that described
2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
The micro-control unit is based on the Bluetooth communication chain established between the bluetooth communication and the mobile terminal
The facility information is passed to the payment application installed on the mobile terminal by road, so that payment application is set according to
Standby information generates payment code；
The micro-control unit is based on the bluetooth communication and receives the payment using by the Bluetooth communication chain
The payment code that road returns；
The payment code is sent to the Cash collecting equipment by the 2.4G communication link by the micro-control unit, so that
The Cash collecting equipment pays link by anti-barcode scanning and completes the corresponding payment transaction of the payment code.
Optionally, the facility information includes position and/or the Cash collecting equipment number of the Cash collecting equipment.
Optionally, the position includes place city.
Optionally, the payment code includes that public transport takes code.
Optionally, the public transport includes at least one of bus, subway, light rail, high-speed rail.
Figure 8 above describes inner function module and the structural representation of mobile payment device, substantial executing subject
It can be a kind of electronic equipment, comprising:
Processor；
Memory for storage processor executable instruction；
Wherein, the processor is configured to:
The micro-control unit is identified based on the alternating magnetic field module supports the Cash collecting equipment of confinement communication to pass through alternation
The facility information and 2.4G communication link parameter for the Cash collecting equipment that magnetic field is transmitted；
The micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that described
2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
The micro-control unit receives the exchange hour stamp that the Cash collecting equipment is sent based on the 2.4G communication link；
The micro-control unit is based on the payment code generating algorithm in safety chip according to facility information, the code factor and transaction
Timestamp generates payment code；
The payment code is sent to the Cash collecting equipment by the 2.4G communication link by the micro-control unit, so that
The Cash collecting equipment pays link by anti-barcode scanning and completes the corresponding payment transaction of the payment code.
Optionally, the code factor is incoming by the payment application installed in mobile terminal by bluetooth communications link.
Optionally, the facility information includes position and/or the Cash collecting equipment number of the Cash collecting equipment.
Optionally, the position includes place city.
Optionally, the payment code includes that public transport takes code.
Optionally, the public transport includes at least one of bus, subway, light rail, high-speed rail.
In the embodiment of above-mentioned electronic equipment, it should be appreciated that the processor can be central processing unit (English:
Central Processing Unit, referred to as: CPU), can also be other general processors, digital signal processor (English:
Digital Signal Processor, referred to as: DSP), specific integrated circuit (English: Application Specific
Integrated Circuit, referred to as: ASIC) etc..General processor can be microprocessor or the processor is also possible to
Any conventional processor etc., and memory above-mentioned can be read-only memory (English: read-only memory, abbreviation:
ROM), random access memory (English: random access memory, abbreviation: RAM), flash memory, hard disk or solid
State hard disk.The step of method in conjunction with disclosed in the embodiment of the present invention, can be embodied directly in hardware processor and execute completion, or
Hardware and software module combination in person's processor execute completion.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.It is set especially for electronics
For standby embodiment, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to method reality
Apply the part explanation of example.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to this specification
Other embodiments.This specification is intended to cover any variations, uses, or adaptations of this specification, these modifications,
Purposes or adaptive change follow the general principle of this specification and undocumented in the art including this specification
Common knowledge or conventional techniques.The description and examples are only to be considered as illustrative, the true scope of this specification and
Spirit is indicated by the following claims.
It should be understood that this specification is not limited to the precise structure that has been described above and shown in the drawings,
And various modifications and changes may be made without departing from the scope thereof.The range of this specification is only limited by the attached claims
System.
Claims (14)
1. a kind of mobile-payment system, the system comprises mobile terminals and Cash collecting equipment；Wherein, the mobile terminal has limit
Field communication module, the confinement communication module specifically includes 2.4G communication module, alternating magnetic field module and micro-control unit, described
Safety chip in micro-control unit is stored with payment code generating algorithm and the code factor；
The Cash collecting equipment that the alternating magnetic field module supports confinement to communicate for identification passes through the gathering that alternating magnetic field is transmitted
The facility information and 2.4G communication link parameter of equipment；
The 2.4G communication module is used to establish 2.4G communication link with the Cash collecting equipment；
The micro-control unit is used to receive the exchange hour that the Cash collecting equipment is sent by the 2.4G communication link and stabs；And
It is stabbed based on the payment code generating algorithm in safety chip according to facility information, the code factor and exchange hour and generates payment code；
The micro-control unit is also used to that the payment code is sent to the Cash collecting equipment by the 2.4G communication link, with
So that the Cash collecting equipment is paid link by anti-barcode scanning and completes the corresponding payment transaction of the payment code.
2. a kind of method of mobile payment, the method is applied to mobile terminal, and the mobile terminal integrates finite field communication module,
The confinement communication module includes 2.4G communication module, alternating magnetic field module, payment code generation module and micro-control unit, described
The code factor that safety chip in micro-control unit is stored with payment code generating algorithm and payment application provides, the method packet
It includes:
The micro-control unit is identified based on the alternating magnetic field module supports the Cash collecting equipment of confinement communication to pass through alternating magnetic field
The facility information and 2.4G communication link parameter of the Cash collecting equipment transmitted；
The micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that the 2.4G is logical
Believe the 2.4G communication link that module is established between the Cash collecting equipment；
The micro-control unit receives the exchange hour stamp that the Cash collecting equipment is sent based on the 2.4G communication link；
The micro-control unit is based on the payment code generating algorithm in safety chip according to facility information, the code factor and exchange hour
Stamp generates payment code；
The payment code is sent to the Cash collecting equipment by the 2.4G communication link by the micro-control unit, so that described
Cash collecting equipment pays link by anti-barcode scanning and completes the corresponding payment transaction of the payment code.
3. according to the method described in claim 2, the code factor is by bluetooth communications link by the branch installed in mobile terminal
It is incoming to pay application.
4. according to the method described in claim 2, the facility information includes position and/or the Cash collecting equipment of the Cash collecting equipment
Number.
5. according to the method described in claim 4, the position includes place city.
6. according to the method described in claim 2, the payment code includes that public transport takes code.
7. according to the method described in claim 6, the public transport includes bus, subway, light rail, at least one in high-speed rail
Kind.
8. a kind of mobile payment device, described device is applied to mobile terminal, and the mobile terminal integrates finite field communication module,
The confinement communication module includes 2.4G communication module, alternating magnetic field module, payment code generation module and micro-control unit, described
The code factor that safety chip in micro-control unit is stored with payment code generating algorithm and payment application provides, described device packet
It includes:
Recognition unit, the micro-control unit is identified based on the alternating magnetic field module supports the Cash collecting equipment of confinement communication to pass through
The facility information and 2.4G communication link parameter for the Cash collecting equipment that alternating magnetic field is transmitted；
Unit is established, the micro-control unit is based on the 2.4G communication link parameter and the 2.4G communication module is arranged, so that
The 2.4G communication module establishes the 2.4G communication link between the Cash collecting equipment；
Receiving unit, the micro-control unit receive the exchange hour that the Cash collecting equipment is sent based on the 2.4G communication link
Stamp；
Generation unit, the micro-control unit is based on the payment code generating algorithm in safety chip according to facility information, the code factor
It is stabbed with exchange hour and generates payment code；
The payment code is sent to the gathering by the 2.4G communication link and set by transmission unit, the micro-control unit
It is standby, so that the Cash collecting equipment, which pays link by anti-barcode scanning, completes the corresponding payment transaction of the payment code.
9. device according to claim 8, the code factor is by bluetooth communications link by the branch installed in mobile terminal
It is incoming to pay application.
10. device according to claim 8, the facility information includes that the position of the Cash collecting equipment and/or gathering are set
Standby number.
11. device according to claim 10, the position includes place city.
12. device according to claim 8, the payment code includes that public transport takes code.
13. device according to claim 12, the public transport include bus, subway, light rail, in high-speed rail at least
It is a kind of.
14. a kind of electronic equipment, comprising:
Processor；
Memory for storage processor executable instruction；
Wherein, the processor is configured to method described in any one of the claims 2-7.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811334114.4A CN110009328A (en) | 2018-11-09 | 2018-11-09 | Method of mobile payment and device and electronic equipment |
| TW108128749A TW202018624A (en) | 2018-11-09 | 2019-08-13 | Mobile payment method and device and electronic device |
| PCT/CN2019/108405 WO2020093812A1 (en) | 2018-11-09 | 2019-09-27 | Mobile payment method, device, and electronic apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811334114.4A CN110009328A (en) | 2018-11-09 | 2018-11-09 | Method of mobile payment and device and electronic equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110009328A true CN110009328A (en) | 2019-07-12 |
Family
ID=67164926
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811334114.4A Pending CN110009328A (en) | 2018-11-09 | 2018-11-09 | Method of mobile payment and device and electronic equipment |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN110009328A (en) |
| TW (1) | TW202018624A (en) |
| WO (1) | WO2020093812A1 (en) |
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| WO2020093826A1 (en) * | 2018-11-09 | 2020-05-14 | 阿里巴巴集团控股有限公司 | Mobile payment method and apparatus, and electronic device |
| WO2020093812A1 (en) * | 2018-11-09 | 2020-05-14 | 阿里巴巴集团控股有限公司 | Mobile payment method, device, and electronic apparatus |
| CN112581122A (en) * | 2020-12-25 | 2021-03-30 | 维沃移动通信有限公司 | Display method, payment code identification method and device and electronic equipment |
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| WO2020093812A1 (en) | 2020-05-14 |
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Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
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Application publication date: 20190712 |
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| RJ01 | Rejection of invention patent application after publication |