CN104392349A - Mobile payment method, device and system - Google Patents
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- CN104392349A CN104392349A CN201410640167.4A CN201410640167A CN104392349A CN 104392349 A CN104392349 A CN 104392349A CN 201410640167 A CN201410640167 A CN 201410640167A CN 104392349 A CN104392349 A CN 104392349A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention provides mobile payment method, device and system. The method comprises the following steps: receiving an input phone number and a dynamic verifiable code through a POS terminal, wherein an application module on a mobile device provides the dynamic verifiable code, and the dynamic verifiable code is fed back to the application module after a background system of an issuing bank verifies that the payment authorization transaction request sent by the application module is legal; creating a transaction request and sending to the background system of the issuing bank. According to the mobile payment method, the phone number and the dynamic verifiable code carried by the transaction request are treated as the evidence for the background system of the issuing bank to determine the legality of the transaction request; the software and the hardware of the existing POS terminal and a mobile phone are avoided adding and reconstructing; in addition, the circumstance that a criminal manufactures a cloned card for stealing the true card can be avoided, and thus the safety is improved while the device cost is decreased.
Description
Technical field
The present invention relates to mobile communication technology field, more particularly, relate to a kind of method of mobile payment, Apparatus and system.
Background technology
At present, mobile payment roughly has near field (Near Field Communication, NFC) mobile-phone payment and Quick Response Code to pay this two kinds of modes, wherein:
The NFC mobile phone modes of payments is: preset financial integrated circuit card (Integrated Circuit Card in the custom-made mobile phone possessing NFC near field interaction capabilities, IC-card) data, (Point ofsale is sold to trade company simultaneously, POS) terminal installs NFC Non-contact Media Reader additional, client (i.e. consumer) can be mutual by the Non-contact Media Reader of mobile phone and trade company's POS terminal, by POS terminal by reading out financial IC card information in mobile phone to complete transaction.
The Quick Response Code modes of payments is: client comprises the Quick Response Code of payment information to credit card issuer application by mobile phone, trade company's POS terminal installs Quick Response Code scanner additional simultaneously, issue card after reading out Quick Response Code by POS terminal Quick Response Code scanner capable, by credit card issuer, Quick Response Code is converted to payment information.
Inventor finds through investigation, and above-mentioned two kinds of mobile payment modes at least exist following shortcoming:
1, equipment cost is higher: need to carry out installing additional and transformation of software and hardware to existing POS terminal and mobile phone, such as POS installs NFC Non-contact Media Reader or Quick Response Code scan module additional, mobile phone needs to support the frequent communication technology of NFC, causes the equipment cost of mobile payment product to increase;
2, there is potential safety hazard: the mode that directly scanning or the information in card or in Quick Response Code that reads carry out concluding the business easily is logged and steals card, namely lawless person can install and has memory storage function and the magnetic strip information of magnetic card all can be read and the equipment recorded in POS terminal, by this equipment secret side record consumer bank's card information and password, thus " clone's card " can be manufactured to carry out robber's brush.
Summary of the invention
In view of this, the object of the embodiment of the present invention is to provide a kind of method of mobile payment, Apparatus and system, while reduction equipment cost, improve security.
For achieving the above object, the embodiment of the present invention provides following technical scheme:
A kind of method of mobile payment, comprising:
Trade company's point-of-sale terminal POS terminal receives phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal;
Described POS terminal generates transaction request and sends to credit card issuer background system, and this transaction request carries described phone number and dynamic verification code;
Described POS terminal receives described credit card issuer background system and verifies the legal and transaction results that is that feed back after performing payment transaction of described transaction request, prints sales slip, terminates payment transaction process.
Preferably, described POS terminal also receives the credit card issuer identification code BIN of input, and described transaction request also carries described BIN.
Preferably, described BIN and phone number are obtained in card number input element by described POS terminal, and described dynamic verification code is obtained in Password Input link by described POS terminal.
A kind of mobile payment device, be applied to POS terminal, this device comprises:
Information receiving unit, for receiving phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal;
Transaction request transmitting element, for generating transaction request and sending to credit card issuer background system, this transaction request carries described phone number and dynamic verification code;
Transaction results receiving element, verifying the legal and transaction results that is that feed back after performing payment transaction of described transaction request for receiving described credit card issuer background system, printing sales slip, terminating payment transaction process.
A kind of method of mobile payment, comprising:
The application module be loaded on mobile device receives the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system; And,
Receive the dynamic verification code that described credit card issuer background system verifies the legal rear feedback of described payment authorization transaction request; And,
Dynamic verification code is provided to described POS terminal, mail to described credit card issuer background system after generating transaction request for described POS terminal to process, described process comprises verifies the legal rear execution payment transaction of described transaction request according to phone number and dynamic verification code.
Preferably, also comprise:
Receive the transaction related information for described payment transaction that described credit card issuer background system sends, for consulting.
Preferably, payment authorization transaction request is sent to described credit card issuer background system in such a way:
Response mobile device holder operation, determines the sequence information for certain commodity;
Generate described payment authorization transaction request for described sequence information, and mail to described credit card issuer background system.
A kind of mobile payment device, be applied to the application module on mobile device, this device comprises:
Payment authorization transaction request transmitting element, for receiving the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system;
Dynamic verification code receiving element, verifies the dynamic verification code of the legal rear feedback of described payment authorization transaction request for receiving described credit card issuer background system;
Dynamic verification code providing unit, for providing dynamic verification code to described POS terminal, mail to described credit card issuer background system after generating transaction request for described POS terminal to process, described process comprises verifies the legal rear execution payment transaction of described transaction request according to phone number and dynamic verification code.
A kind of method of mobile payment, comprising:
Receive the payment authorization transaction request of the application module transmission being loaded into mobile device;
Verify the legal rear generation dynamic verification code of described payment authorization transaction request, and feed back to described application module;
Receive the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code;
By phone number and dynamic verification code, verify that whether described transaction request is legal, and when described transaction request is legal, perform the backward described POS terminal feedback trading result of payment transaction; The legal condition of described transaction request comprises: the dynamic verification code that described POS terminal sends is consistent with the dynamic verification code fed back to described application module.
A kind of mobile payment device, be applied to credit card issuer background system, this device comprises:
Payment authorization transaction request receiving element, for receiving the payment authorization transaction request of the application module transmission being loaded into mobile device;
Dynamic verification code transmitting element, for verifying the legal rear generation dynamic verification code of described payment authorization transaction request, and feeds back to described application module;
Transaction request receiving element, for receiving the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code;
Transaction results transmitting element, for by phone number and dynamic verification code, verifies that whether described transaction request is legal, and when described transaction request is legal, performs the backward described POS terminal feedback trading result of payment transaction; The legal condition of described transaction request comprises: the dynamic verification code that described POS terminal sends is consistent with the dynamic verification code fed back to described application module.
A kind of mobile-payment system, comprises POS terminal, mobile device and credit card issuer background system, wherein:
Described POS terminal receives phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal; And,
Generate transaction request and send to credit card issuer background system, this transaction request carries described phone number and dynamic verification code; And,
Receive described background system and verify the legal and transaction results that is that feed back after performing payment transaction of described transaction request, print sales slip, terminate payment transaction process.
A kind of method of mobile payment that the application provides, Apparatus and system, the phone number inputted by POS terminal reception and dynamic verification code are (wherein, dynamic verification code is provided by the application module on mobile device, that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to this application module after legal), generate transaction request and send to credit card issuer background system, and then the phone number making credit card issuer background system utilize to carry in this transaction request and dynamic verification code are as judging the voucher whether transaction request is legal, not only without the need to carrying out installing additional and transformation of software and hardware to existing POS terminal and mobile phone, and avoid the situation that lawless person's manufacture " clone's card " carries out stealing brush, make to improve security while reduction equipment cost.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only embodiments of the invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the accompanying drawing provided.
A kind of method of mobile payment process flow diagram that Fig. 1 provides for the embodiment of the present application one;
The structural representation of a kind of mobile payment device that Fig. 2 provides for the embodiment of the present application two;
A kind of method of mobile payment process flow diagram that Fig. 3 provides for the embodiment of the present application three;
The structural representation of a kind of mobile payment device that Fig. 4 provides for the embodiment of the present application four;
A kind of method of mobile payment process flow diagram that Fig. 5 provides for the embodiment of the present application five;
The structural representation of a kind of mobile payment device that Fig. 6 provides for the embodiment of the present application six;
The structural representation of a kind of mobile-payment system that Fig. 7 provides for the embodiment of the present application seven.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Embodiment one:
A kind of method of mobile payment process flow diagram that Fig. 1 provides for the embodiment of the present application one.
As shown in Figure 1, the method comprises:
S101, POS terminal receive phone number and the dynamic verification code of input;
Concrete, this dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to application module after legal.
S102, POS terminal generate transaction request and send to credit card issuer background system, this transaction request carrying mobile phone number and dynamic verification code;
S103, POS terminal receive the legal and transaction results that is that feed back after performing payment transaction of credit card issuer background system checking transaction request, print sales slip, terminate payment transaction process.
A kind of method of mobile payment that the application provides, the phone number inputted by POS terminal reception and dynamic verification code are (wherein, dynamic verification code is provided by the application module on mobile device, that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to this application module after legal), generate transaction request and send to credit card issuer background system, and then the phone number making credit card issuer background system utilize to carry in this transaction request and dynamic verification code are as judging the voucher whether transaction request is legal, not only without the need to carrying out installing additional and transformation of software and hardware to existing POS terminal and mobile phone, and avoid the situation that lawless person's manufacture " clone's card " carries out stealing brush, make to improve security while reduction equipment cost.
In a kind of method of mobile payment that the embodiment of the present application provides, POS terminal also receives the BIN (Bank Identification Number, credit card issuer identification code) of input, and transaction request also carries this BIN.
Concrete, in a kind of method of mobile payment that the embodiment of the present application provides, POS terminal also can receive the BIN of user's input, and after POS terminal also can receive the BIN of user's input, it except carrying mobile phone number and dynamic verification code, also carries this BIN in the transaction request of credit card issuer background system transmission.
Concrete, credit card issuer identification code typically refers to first 6 of bank card number, is used for representing a set of bank card number coding of issuing bank or mechanism.Bank card business dealing request is mail to corresponding credit card issuer background system according to bank card BIN by the international and domestic bank card exchange network such as Unionpay, Visa, Master, completes transaction processing.
Concrete, in a kind of method of mobile payment that the embodiment of the present application provides, BIN and cell-phone number are obtained in card number input element by POS terminal; Dynamic verification code is obtained in Password Input link by POS terminal.
Concrete, in a kind of method of mobile payment that the embodiment of the present application provides, when realizing once concluding the business, what first enter is card number input element, enters Password Input link after card number input element completes.
Below be only the optimal way of the embodiment of the present application, inventor can set arbitrarily the input scene, input time etc. of BIN, cell-phone number and dynamic verification code according to the demand of oneself, do not limit at this.
The embodiment of the present application is by adding the BIN that can receive user's input further, and in transaction request, carry the process of this BIN, make, when conclude the business corresponding credit card issuer and receipts single file are two different financial institutions, to be convenient to utilize this BIN transaction request to be forwarded to correct credit card issuer background system fast.
Embodiment two:
The structural representation of a kind of mobile payment device that Fig. 2 provides for the embodiment of the present application two.
Mobile payment device is as shown in Figure 2 applied to POS terminal, and wherein, this mobile payment device comprises:
Information receiving unit 11, for receiving phone number and the dynamic verification code of input;
Concrete, dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to application module after legal.
Transaction request transmitting element 12, for generating transaction request and sending to credit card issuer background system, this transaction request carrying mobile phone number and dynamic verification code;
Transaction results receiving element 13, for receiving the legal and transaction results that is that feed back after performing payment transaction of background system checking transaction request, printing sales slip, terminating payment transaction process.
A kind of mobile payment device that the application provides, be applied to POS terminal, the phone number inputted by reception and dynamic verification code are (wherein, dynamic verification code is provided by the application module on mobile device, that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to this application module after legal), generate transaction request and send to credit card issuer background system, and then the phone number making credit card issuer background system utilize to carry in this transaction request and dynamic verification code are as judging the voucher whether transaction request is legal, not only without the need to carrying out installing additional and transformation of software and hardware to existing POS terminal and mobile phone, and avoid the situation that lawless person's manufacture " clone's card " carries out stealing brush, make to improve security while reduction equipment cost.
Embodiment three:
A kind of method of mobile payment process flow diagram that Fig. 3 provides for the embodiment of the present application three.
As shown in Figure 3, the method comprises:
S201, the application module be loaded on mobile device receive the setting up password of user's input, after being verified, send payment authorization transaction request to credit card issuer background system;
Concrete, a kind of method of mobile payment that the embodiment of the present application provides is applied on mobile device, and the application module on this mobile device can receive the setting up password of user's input; After checking setting up password is correct, the application module on the mobile device that the embodiment of the present application just can be used to provide carries out mobile payment process, namely uses the application module on this mobile device to send payment authorization transaction request to credit card issuer background system.
The dynamic verification code of S202, the legal rear feedback of reception credit card issuer background system validation of payment authorized transactions request;
Concrete, this mobile device can receive the dynamic verification code of the legal rear feedback of credit card issuer background system validation of payment authorized transactions request.
S203, provide dynamic verification code to POS terminal, mail to credit card issuer background system after generating transaction request for POS terminal and process.
Concrete, after mobile device receives dynamic verification code, this dynamic verification code can be showed user, so that this dynamic verification code is supplied to POS terminal by user.
Concrete, process comprises according to phone number and the legal rear execution payment transaction of dynamic verification code checking transaction request.
A kind of method of mobile payment that the application provides, receives the setting up password of user's input by the application module be loaded on mobile device, after being verified, send payment authorization transaction request to credit card issuer background system; And, receive the dynamic verification code of the legal rear feedback of credit card issuer background system validation of payment authorized transactions request; And, dynamic verification code is provided to POS terminal, mail to credit card issuer background system after generating transaction request for POS terminal to carry out processing (this process comprises according to phone number and the legal rear execution payment transaction of dynamic verification code checking transaction request), in this process not only without the need to carrying out installing additional and transforming but also avoid lawless person and manufacture " clone and block " and carry out stealing the situation of brushing of software and hardware to existing POS terminal and mobile phone, make to improve security while reduction equipment cost.
For the ease of the understanding of those skilled in the art to a kind of method of mobile payment that the embodiment of the present application provides, the process sending payment authorization transaction request to credit card issuer background system is specifically introduced at this, this concrete process is: response mobile device holder operation, determines the sequence information for certain commodity; Generate payment authorization transaction request for sequence information, and mail to credit card issuer background system.
In a kind of method of mobile payment that the embodiment of the present application provides, also comprise: receive the transaction related information for payment transaction that credit card issuer background system sends, for consulting.
Concrete, the transaction related information for payment transaction that mobile device sends by receiving credit card issuer background system, can facilitate user to consult the relevant information that this is concluded the business, and strengthens user experience.
Embodiment four:
The structural representation of a kind of mobile payment device that Fig. 4 provides for the embodiment of the present application four.
Mobile payment device is as shown in Figure 4 applied to the application module on mobile device, and wherein, this mobile payment device comprises:
Payment authorization transaction request transmitting element 21, for receiving the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system;
Dynamic verification code receiving element 22, for receiving the dynamic verification code of the legal rear feedback of credit card issuer background system validation of payment authorized transactions request;
Dynamic verification code providing unit 23, for providing dynamic verification code to POS terminal, mailing to credit card issuer background system after generating transaction request process for POS terminal.
Concrete, this process comprises according to phone number and the legal rear execution payment transaction of dynamic verification code checking transaction request.
A kind of mobile payment device that the application provides, is applied to the application module on mobile device, by receiving the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system; And, receive the dynamic verification code of the legal rear feedback of credit card issuer background system validation of payment authorized transactions request; And, dynamic verification code is provided to POS terminal, mail to credit card issuer background system after generating transaction request for POS terminal to carry out processing (this process comprises according to phone number and the legal rear execution payment transaction of dynamic verification code checking transaction request), not only without the need to carrying out installing additional and transforming but also avoid lawless person and manufacture " clone and block " and carry out stealing the situation of brushing of software and hardware to existing POS terminal and mobile phone in implementation procedure, make to improve security while reduction equipment cost.
Embodiment five:
A kind of method of mobile payment process flow diagram that Fig. 5 provides for the embodiment of the present application five.
As shown in Figure 5, the method comprises:
The payment authorization transaction request that the application module that S301, reception are loaded into mobile device sends;
S302, the legal rear generation dynamic verification code of validation of payment authorized transactions request, and feed back to application module;
Concrete, the whether legal process of validation of payment authorized transactions request is whether the remaining sum in the credit card issuer that whether sequence information is legal, this credit card issuer background system is corresponding carried in the request of validation of payment authorized transactions meets the payment etc. of carrying in this sequence information.
Below be only the optimal way of the embodiment of the present application, inventor can set arbitrarily the whether legal concrete mode of validation of payment authorized transactions request according to the demand of oneself, does not limit at this.
The transaction request that S303, reception POS terminal send, this request carrying mobile phone number and dynamic verification code;
S304, by phone number and dynamic verification code, whether checking transaction request is legal, and when transaction request is legal, to POS terminal feedback trading result after execution payment transaction.
Concrete, the legal condition of transaction request comprises: the dynamic verification code that POS terminal sends is consistent with the dynamic verification code fed back to application module.
Concrete, in a kind of method of mobile payment that the embodiment of the present application provides, also comprise: send the transaction related information for payment transaction, for consulting to mobile device.
A kind of method of mobile payment that the application provides, by receiving the payment authorization transaction request of the application module transmission being loaded into mobile device; The legal rear generation dynamic verification code of validation of payment authorized transactions request, and feed back to application module; Receive the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code; By phone number and dynamic verification code, whether checking transaction request is legal, and when transaction request is legal, perform after payment transaction to POS terminal feedback trading result (the legal condition of transaction request comprises: the dynamic verification code that POS terminal sends is consistent with the dynamic verification code fed back to application module).In this process not only without the need to carrying out installing additional and transforming but also avoid lawless person and manufacture " clone and block " and carry out stealing the situation of brushing of software and hardware to existing POS terminal and mobile phone, make to improve security while reduction equipment cost.
Embodiment six:
The structural representation of a kind of mobile payment device that Fig. 6 provides for the embodiment of the present application six.
Mobile payment device is as shown in Figure 6 applied to credit card issuer background system, and this mobile payment device comprises:
Payment authorization transaction request receiving element 31, for receiving the payment authorization transaction request of the application module transmission being loaded into mobile device;
Dynamic verification code transmitting element 32, for the legal rear generation dynamic verification code of validation of payment authorized transactions request, and feeds back to application module;
Transaction request receiving element 33, for receiving the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code;
Transaction results transmitting element 34, for by phone number and dynamic verification code, verifies that whether transaction request is legal, and when transaction request is legal, to POS terminal feedback trading result after execution payment transaction; The legal condition of transaction request comprises: the dynamic verification code that POS terminal sends is consistent with the dynamic verification code fed back to application module.
A kind of mobile payment device that the application provides, is applied to credit card issuer background system, by receiving the payment authorization transaction request of the application module transmission being loaded into mobile device; The legal rear generation dynamic verification code of validation of payment authorized transactions request, and feed back to application module; Receive the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code; By phone number and dynamic verification code, whether checking transaction request is legal, and when transaction request is legal, perform after payment transaction to POS terminal feedback trading result (the legal condition of transaction request comprises: the dynamic verification code that POS terminal sends is consistent with the dynamic verification code fed back to application module).In this process not only without the need to carrying out installing additional and transforming but also avoid lawless person and manufacture " clone and block " and carry out stealing the situation of brushing of software and hardware to existing POS terminal and mobile phone, make to improve security while reduction equipment cost.
Embodiment seven:
The structural representation of a kind of mobile-payment system that Fig. 7 provides for the embodiment of the present application seven.
As shown in Figure 7, this system comprises: the mobile device 41, POS terminal 42 and the credit card issuer background system 43 that are connected successively, wherein:
POS terminal 42 receives phone number and the dynamic verification code of input, and dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to application module after legal; And,
Generate transaction request and send to credit card issuer background system, this transaction request carrying mobile phone number and dynamic verification code; And,
Receive the legal and transaction results that is that feed back after performing payment transaction of background system checking transaction request, print sales slip, terminate payment transaction process.
A kind of mobile-payment system that the application provides, comprise mobile device, POS terminal and credit card issuer background system, wherein: POS terminal by receive input phone number and dynamic verification code (wherein, dynamic verification code is provided by the application module on mobile device, that credit card issuer background system verifies that the payment authorization transaction request of application module transmission feeds back to this application module after legal), generate transaction request and send to credit card issuer background system, and then the phone number making credit card issuer background system utilize to carry in this transaction request and dynamic verification code are as judging the voucher whether transaction request is legal, not only without the need to carrying out installing additional and transformation of software and hardware to existing POS terminal and mobile phone, and avoid the situation that lawless person's manufacture " clone's card " carries out stealing brush, make to improve security while reduction equipment cost.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.For device disclosed in embodiment, because it corresponds to the method disclosed in Example, so description is fairly simple, relevant part illustrates see method part.
Below be only the preferred implementation of the application, those skilled in the art understood or realizes the application.To be apparent to one skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein when not departing from the spirit or scope of the application, can realize in other embodiments.Therefore, the application can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (11)
1. a method of mobile payment, is characterized in that, comprising:
Trade company's point-of-sale terminal POS terminal receives phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal;
Described POS terminal generates transaction request and sends to credit card issuer background system, and this transaction request carries described phone number and dynamic verification code;
Described POS terminal receives described credit card issuer background system and verifies the legal and transaction results that is that feed back after performing payment transaction of described transaction request, prints sales slip, terminates payment transaction process.
2. method of mobile payment according to claim 1, is characterized in that, described POS terminal also receives the credit card issuer identification code BIN of input, and described transaction request also carries described BIN.
3. method of mobile payment according to claim 2, is characterized in that, described BIN and phone number are obtained in card number input element by described POS terminal, and described dynamic verification code is obtained in Password Input link by described POS terminal.
4. a mobile payment device, is applied to POS terminal, it is characterized in that, this device comprises:
Information receiving unit, for receiving phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal;
Transaction request transmitting element, for generating transaction request and sending to credit card issuer background system, this transaction request carries described phone number and dynamic verification code;
Transaction results receiving element, verifying the legal and transaction results that is that feed back after performing payment transaction of described transaction request for receiving described credit card issuer background system, printing sales slip, terminating payment transaction process.
5. a method of mobile payment, is characterized in that, comprising:
The application module be loaded on mobile device receives the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system; And,
Receive the dynamic verification code that described credit card issuer background system verifies the legal rear feedback of described payment authorization transaction request; And,
Dynamic verification code is provided to described POS terminal, mail to described credit card issuer background system after generating transaction request for described POS terminal to process, described process comprises verifies the legal rear execution payment transaction of described transaction request according to phone number and dynamic verification code.
6. method of mobile payment according to claim 5, is characterized in that, also comprises:
Receive the transaction related information for described payment transaction that described credit card issuer background system sends, for consulting.
7. the method for mobile payment according to claim 5 or 6, is characterized in that, sends payment authorization transaction request in such a way to described credit card issuer background system:
Response mobile device holder operation, determines the sequence information for certain commodity;
Generate described payment authorization transaction request for described sequence information, and mail to described credit card issuer background system.
8. a mobile payment device, is applied to the application module on mobile device, it is characterized in that, this device comprises:
Payment authorization transaction request transmitting element, for receiving the setting up password of user's input, after being verified, sends payment authorization transaction request to credit card issuer background system;
Dynamic verification code receiving element, verifies the dynamic verification code of the legal rear feedback of described payment authorization transaction request for receiving described credit card issuer background system;
Dynamic verification code providing unit, for providing dynamic verification code to described POS terminal, mail to described credit card issuer background system after generating transaction request for described POS terminal to process, described process comprises verifies the legal rear execution payment transaction of described transaction request according to phone number and dynamic verification code.
9. a method of mobile payment, is characterized in that, comprising:
Receive the payment authorization transaction request of the application module transmission being loaded into mobile device;
Verify the legal rear generation dynamic verification code of described payment authorization transaction request, and feed back to described application module;
Receive the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code;
By phone number and dynamic verification code, verify that whether described transaction request is legal, and when described transaction request is legal, perform the backward described POS terminal feedback trading result of payment transaction; The legal condition of described transaction request comprises: the dynamic verification code that described POS terminal sends is consistent with the dynamic verification code fed back to described application module.
10. a mobile payment device, is applied to credit card issuer background system, it is characterized in that, this device comprises:
Payment authorization transaction request receiving element, for receiving the payment authorization transaction request of the application module transmission being loaded into mobile device;
Dynamic verification code transmitting element, for verifying the legal rear generation dynamic verification code of described payment authorization transaction request, and feeds back to described application module;
Transaction request receiving element, for receiving the transaction request that POS terminal sends, this request carrying mobile phone number and dynamic verification code;
Transaction results transmitting element, for by phone number and dynamic verification code, verifies that whether described transaction request is legal, and when described transaction request is legal, performs the backward described POS terminal feedback trading result of payment transaction; The legal condition of described transaction request comprises: the dynamic verification code that described POS terminal sends is consistent with the dynamic verification code fed back to described application module.
11. 1 kinds of mobile-payment systems, is characterized in that, comprise POS terminal, mobile device and credit card issuer background system, wherein:
Described POS terminal receives phone number and the dynamic verification code of input, described dynamic verification code is provided by the application module on mobile device, is that credit card issuer background system verifies that payment authorization transaction request that described application module sends feeds back to described application module after legal; And,
Generate transaction request and send to credit card issuer background system, this transaction request carries described phone number and dynamic verification code; And,
Receive described background system and verify the legal and transaction results that is that feed back after performing payment transaction of described transaction request, print sales slip, terminate payment transaction process.
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| CN201410640167.4A CN104392349A (en) | 2014-11-13 | 2014-11-13 | Mobile payment method, device and system |
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Application publication date: 20150304 |