CN101887615A - Method and system for realizing mobile payment of mobile terminal, and mobile terminal - Google Patents

Abstract

The invention is suitable for the field of mobile payment, and provides a method and a system for realizing the mobile payment of a mobile terminal, and the mobile terminal. The method comprises the following steps that: when a fee deduction request sent to the mobile terminal by a POS machine is received, the mobile terminal detects an identifier of a bank to which the POS machine belongs; and the mobile terminal compares the detected bank to which the POS machine belongs with all saved registered banks and corresponding account information; if all registered banks comprise the detected bank, the mobile terminal finishes payment by taking a card belonging to the same bank to which the POS machine belongs as a main card; and if all registered banks do not comprise the detected bank, the mobile terminal finishes the payment by selecting a bank card with most balance from the all registered banks as the main card. By using the method, the system and the mobile terminal, the problem that a single bank card of a user lacks of customer balance and other bank cards cannot be used for consumption is solved.

Description

A kind of portable terminal is realized method, system and the portable terminal of mobile payment

Technical field

The invention belongs to the mobile payment field, relate in particular to method, system and portable terminal that a kind of portable terminal is realized mobile payment.

Background technology

Wireless near field communication (NFC, Near Field Communication) technology is to integrate differentiation and next by radio-frequency (RF) identification (RFID, the Radio Frequency Identification) technology and the technology that interconnects.Combining induction card reader, induction type card and point-to-point function on one chip can be discerned and exchanges data with compatible equipment in short distance.

REID (RFID) is an emerging automatic identification technology of rising in recent years.RFID utilizes RF-wise to carry out contactless two-way communication, thereby realizes the identification to object, and the relevant information data that collects is transmitted by wireless technology is long-range.The characteristics that RFID has distance of reading (several meters to tens meters), penetration capacity strong (can see through packing case and directly read information), antipollution, efficient height (can handle a plurality of labels simultaneously), contains much information.

REID is applied to the mobile payment field, as mobile phone mobile payment field.The near field payment refers to the portable terminal rfid card and expresses willingness to pay by the NFC technology to the POS of businessman machine, finishes payment by account, encrypted message exchange.Adopt the near field payment of prior art, its shortcoming is as follows: can only bind a bank card, the consumer who for example has has the bank card of A, B, three banks of C.When this consumer used the bank card of A bank to consume, Sorry, your ticket has not enough value to find the bank card of A bank, but can't pay with the bank card of enough remaining sums of B bank, and this brings operation inconvenience to user's payment.

Summary of the invention

The object of the present invention is to provide a kind of portable terminal to realize the method for mobile payment, be intended to solve the near field payment that exists in the prior art and can only bind a bank card, when this bank card when Sorry, your ticket has not enough value, but can't pay, bring unhandy problem to user's payment with the bank card of enough remaining sums of other banks.

The present invention is achieved in that a kind of method of portable terminal realization mobile payment, said method comprising the steps of:

When portable terminal receives the POS machine to its when request of deducting fees of sending, portable terminal detects the sign of bank under the described POS machine;

Portable terminal compares registered all banks and the corresponding account number information of bank and preservation under the detected POS machine, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment;

If do not comprise described detected bank in registered all banks, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

Another object of the present invention is to provide a kind of portable terminal to realize the system of mobile payment, described system comprises:

Detection module is used for receiving the POS machine to its when request of deducting fees of sending when portable terminal, detects the sign of bank under the described POS machine;

The contrast module, be used for registered all banks and the corresponding account number information of bank and preservation under the detected POS machine are compared, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment;

Select module, do not comprise described detected bank if be used for registered all banks, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

Another object of the present invention is to provide a kind of portable terminal that comprises the system of portable terminal realization mobile payment recited above.

In the present invention, by registered all banks and corresponding account number are saved to portable terminal, when using portable terminal to pay, the consumption of paying of the bank card of from registered all banks that preserve and corresponding account number, selecting to meet payment.The present invention has realized the near field payment of many bank card bindings, Sorry, your ticket has not enough value effectively to have solved individual bank card consumption of user, the problem that can not use other bank cards to consume the invention provides quick, safe mode and carries out mobile payment again, has strengthened user's consumption experience.

Description of drawings

Fig. 1 is the realization flow synoptic diagram that the portable terminal that provides of the embodiment of the invention is realized the method for mobile payment.

Fig. 2 is the structural representation that the portable terminal that provides of the embodiment of the invention is realized the system of mobile payment.

Embodiment

In order to make purpose of the present invention, technical scheme and beneficial effect clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.

See also Fig. 1, the portable terminal that provides for the embodiment of the invention is realized the realization flow of the method for mobile payment, and it may further comprise the steps:

In step S101, when portable terminal receives the POS machine to its when request of deducting fees of sending, portable terminal detects the sign of bank under the described POS machine;

In embodiments of the present invention, before described step S101, further comprising the steps of:

In step S100, portable terminal sends the request message of inquiry rfid card number registered all banks and corresponding account number to Unionpay's server;

In embodiments of the present invention, encrypt described request message by rfid card number and portable terminal telephone number.

In step S200, portable terminal receives and preserves registered all banks and the corresponding account number information that Unionpay's server returns.

In embodiments of the present invention, described portable terminal detects the step of the sign of the affiliated bank of described POS machine, be specially: when the POS machine sends when deducting fees request to portable terminal, portable terminal sends the identity request of described POS machine to the server of POS, is sent the portable terminal that is identified to of bank under the described POS machine by server.

In step S102, portable terminal compares registered all banks and the corresponding account number information of bank and preservation under the detected POS machine, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment;

Further, when the bank card that belongs to together with the POS machine as main card, but should card when Sorry, your ticket has not enough value, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

In step S103, if do not comprise described detected bank in registered all banks, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

As one embodiment of the present invention, described portable terminal is realized the method for mobile payment, and is further comprising the steps of:

When the maximum bank card of remaining sum also was not enough to consume, portable terminal prompting user balance deficiency can't be finished payment.

In embodiments of the present invention, portable terminal adopts the mode of dialog box to point out the user balance deficiency, can't finish payment; Perhaps, portable terminal adopts voice suggestion user balance deficiency, can't finish payment.Yet, be understandable that, can also adopt other modes to point out the user balance deficiency, can't finish payment, be not limited to above-mentioned dual mode.

As another preferred embodiment of the present invention, described portable terminal is realized the method for mobile payment, and is further comprising the steps of:

After the intact consumption of every payment, all write down payment information, it specifically comprises: relevant informations such as employed bank card information, consumption date, the consumption amount of money, account balance.

See also Fig. 2, the portable terminal that provides for the embodiment of the invention is realized the structure of the system of mobile payment.For convenience of explanation, only show the part relevant with the embodiment of the invention.Described portable terminal realizes that the system of mobile payment comprises:detection module 101, contrast module 102 and selection module 103.Described portable terminal realizes that the system of mobile payment can be the unit that is built in software unit, hardware cell or software and hardware combining in the portable terminal.

When portable terminal receives the POS machine to its when request of deducting fees of sending, describeddetection module 101 detects the sign of bank under the described POS machine; Contrast module 102 compares registered all banks and the corresponding account number information of bank and preservation under the detected POS machine, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment; If do not comprise described detected bank in registered all banks, then select module 103 from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

In embodiments of the present invention, described portable terminal realizes that the system of mobile payment also comprises: request message sending module and preservation module.

The described request message transmission module sends the request message of inquiry rfid card number registered all banks and corresponding account number to Unionpay's server; Wherein, encrypt described request message by rfid card number and portable terminal telephone number.Described preservation module receives and preserves registered all banks and the corresponding account number information that Unionpay's server returns.

In embodiments of the present invention, described portable terminal realizes that the system of mobile payment also comprises: second selects module, be used for when the bank card that belongs to together with the POS machine as main card, but should card when Sorry, your ticket has not enough value, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

As one embodiment of the present invention, described portable terminal realizes that the system of mobile payment also comprises: reminding module, be used for when the maximum bank card of remaining sum also is not enough to consume, and portable terminal prompting user balance deficiency can't be finished payment.

As another preferred embodiment of the present invention, described portable terminal realizes that the system of mobile payment also comprises: logging modle, after being used for the intact consumption of every payment, all write down payment information, it specifically comprises: relevant informations such as employed bank card information, consumption date, the consumption amount of money, account balance.

In sum, the embodiment of the invention is by being saved to portable terminal with registered all banks and corresponding account number, when using portable terminal to pay, the consumption of paying of the bank card of from registered all banks that preserve and corresponding account number, selecting to meet payment.The embodiment of the invention has realized the near field payment of many bank card bindings, Sorry, your ticket has not enough value effectively to have solved individual bank card consumption of user, the problem that can not use other bank cards to consume again, the embodiment of the invention provides quick, safe mode to carry out mobile payment, has strengthened user's consumption experience.

One of ordinary skill in the art will appreciate that all or part of step that realizes in the foregoing description method is to instruct relevant hardware to finish by program, described program can be in being stored in a computer read/write memory medium, described storage medium is as ROM/RAM, disk, CD etc.

The above only is preferred embodiment of the present invention, not in order to restriction the present invention, all any modifications of being done within the spirit and principles in the present invention, is equal to and replaces and improvement etc., all should be included within protection scope of the present invention.

Claims (10)

1. the method for a portable terminal realization mobile payment is characterized in that, said method comprising the steps of:

When portable terminal receives the POS machine to its when request of deducting fees of sending, portable terminal detects the sign of bank under the described POS machine;

Portable terminal compares registered all banks and the corresponding account number information of bank and preservation under the detected POS machine, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment;

If do not comprise described detected bank in registered all banks, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

2. the method for claim 1 is characterized in that, receives the POS machine to its when request of deducting fees of sending described when portable terminal, and portable terminal detects before the step of the sign of bank under the described POS machine, and is further comprising the steps of:

Portable terminal sends the request message of inquiry rfid card number registered all banks and corresponding account number to Unionpay's server;

Portable terminal receives and preserves registered all banks and the corresponding account number information that Unionpay's server returns.

3. the method for claim 1 is characterized in that, described method is further comprising the steps of:

When the bank card that belongs to together with the POS machine as main card, but should card when Sorry, your ticket has not enough value, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

4. as claim 1 or 3 described methods, it is characterized in that described portable terminal is realized the method for mobile payment, and is further comprising the steps of:

When the maximum bank card of remaining sum also was not enough to consume, portable terminal prompting user balance deficiency can't be finished payment.

5. the method for claim 1 is characterized in that, described portable terminal is realized the method for mobile payment, and is further comprising the steps of:

After having paid a consumption, the record payment information.

6. a portable terminal is realized the system of mobile payment, it is characterized in that described system comprises:

Detection module is used for receiving the POS machine to its when request of deducting fees of sending when portable terminal, detects the sign of bank under the described POS machine;

The contrast module, be used for registered all banks and the corresponding account number information of bank and preservation under the detected POS machine are compared, if include described detected bank in registered all banks, then the bank card that will belong to together with the POS machine as main card to finish payment;

Select module, do not comprise described detected bank if be used for registered all banks, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

7. system as claimed in claim 6 is characterized in that, described portable terminal realizes that the system of mobile payment also comprises: request message sending module and preservation module;

The described request message transmission module is used for sending the request message of inquiring about rfid card number registered all banks and corresponding account number to Unionpay's server;

Described preservation module is used to receive and preserve registered all banks and the corresponding account number information that Unionpay's server returns.

8. system as claimed in claim 6 is characterized in that, described portable terminal realizes that the system of mobile payment also comprises:

Second selects module, be used for when the bank card that belongs to together with the POS machine as main card, but should card when Sorry, your ticket has not enough value, then from described registered all banks, select the maximum bank card of remaining sum as main card to finish payment.

9. as claim 6 or 8 described systems, it is characterized in that described portable terminal realizes that the system of mobile payment also comprises:

Reminding module is used for when the maximum bank card of remaining sum also is not enough to consume, and portable terminal prompting user balance deficiency can't be finished payment.

10. one kind comprises that each described portable terminal of claim 6 to 9 realizes the portable terminal of the system of mobile payment.

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