CN102496222A - Payment command-based paying method, paying terminal and system - Google Patents

Abstract

The embodiment of the invention provides a payment command-based paying method, a paying terminal and a system. The paying method comprises the following steps: a paying side acquires commodity payment information which at least comprises the payment amount; the paying side generates a payment command according to the commodity payment information and paying side payment information; the paying side sends out the payment command to guarantee that the payment service side completes payment according to the payment command. According to the embodiment of the invention, the payment information of the commodity is acquired in a near field or on spot manner, the payment command is generated according to the payment information of the local paying side, and the paying process based on the payment command is completed subsequently. The payment process is completed without using memory cards, credit cards or other bank cards, or executing card reading, user inputting or other actions, so that the payment process is simplified, the error rate is reduced, and the payment efficiency is improved.

Description

A kind of method of payment, payment terminal and system based on payment instruction

Technical field

The present invention relates to communication technical field, relate in particular to a kind of method of payment, payment terminal and system based on payment instruction.

Background technology

Along with the continuous development of the communication technology, people are increasing in daily near field or during on-the-spot consumption to depend on the modes of payments such as credit card, deposit card, and avoids directly making in cash.This method of payment is to send information such as number of the account by the user to the POS terminal through the mode of manually importing or scan credit card/deposit card magnetic stripe; The POS terminal connects corresponding bank's window; And to its transmission Payment Request; After the successful connection, further accomplish to transfer accounts and wait payment to move through steps such as password inputs.

Yet this modes of payments still need realize by means of credit card or deposit card, and the user need carry out the multistep input operation, and payment process is more loaded down with trivial details, and error rate is high, and then payment efficient is lower.

Summary of the invention

The embodiment of the invention provides a kind of method of payment based on payment instruction, payment terminal and system, and the payment process in the time of can simplifying near field or on-the-spot consumption improves payment efficient.

In order to solve the problems of the technologies described above, the technical scheme of the embodiment of the invention is following:

A kind of method of payment based on payment instruction comprises:

Payer obtains the commodity payment information, and said commodity payment information comprises payment at least;

Payer generates payment instruction according to said commodity payment information and payer payment information;

Payer is sent said payment instruction, so that the payment services root is accomplished payment according to said payment instruction.

Further, said payer obtains the commodity payment information, comprising:

Said payer obtains the commodity payment information through the scan items message identification.

Further, said payer is sent said payment instruction, comprising:

Said payer is sent said payment instruction to the payment take over party so that the said commodity payment information of said payment take over party in the said payment instruction of checking correct after, send said payment instruction to said payment services side.

Further, said payer is sent said payment instruction to the payment take over party, comprising:

Said payer is encrypted said payment instruction;

Payment instruction after said payer will be encrypted is sent to said payment take over party.

Further, said payer is sent said payment instruction through one of following manner to the payment take over party: bluetooth, NFC, WIfi.

Further, said payer is sent said payment instruction to the payment take over party, comprising:

When said payer off-line, said payer is sent said payment instruction to the payment broker, so that said payment broker is sent said payment instruction to the payment take over party.

Further, said payer is sent said payment instruction to the payment take over party, comprising:

When said payer was at least two, each payer was sent payment instruction to the payer of one of them appointment respectively, so that the payer of said appointment is sent payment instruction in batches to the payment take over party;

The said payment services side of said payment receive direction sends said payment instruction, comprising:

Said payment take over party sends payment instruction in batches to said payment services side.

Further, said method also comprises:

Said payer receives the payment result of said payment services side feedback.

Further, said method also comprises:

Said payer generates the gathering instruction, and said gathering instruction comprises collection amount at least;

Said payer is sent said gathering instruction to treating payer, so that the said payer of treating is paid to said payer according to said gathering instruction.

A kind of payment terminal comprises:

Information acquisition unit is used to obtain the commodity payment information, and said commodity payment information comprises payment at least;

The instruction generation unit is used for generating payment instruction according to said commodity payment information and payer payment information;

Instruction sending unit is used to send said payment instruction, so that the payment services root is accomplished payment according to said payment instruction.

Further, said information acquisition unit specifically is used for through the scan items message identification, obtains the commodity payment information.

Further, said instruction sending unit specifically is used for sending said payment instruction to the payment take over party so that the said commodity payment information of said payment take over party in the said payment instruction of checking correct after, send said payment instruction to said payment services side.

Further, said instruction sending unit comprises:

Encrypt subelement, be used for said payment instruction is encrypted;

Send subelement, be used for the payment instruction after encrypting is sent to said payment take over party.

Further, said instruction sending unit is used for when said payment terminal off-line, sends said payment instruction to the payment broker, so that said payment broker is sent said payment instruction to the payment take over party.

Further, said instruction sending unit is used for when said payment terminal is at least two, sends payment instruction to the payer of one of them appointment, so that the payer of said appointment is sent payment instruction in batches to the payment take over party.

Further, said payment terminal also comprises:

The feedback receiving element is used to receive the payment result that feed back said payment services side.

Further, said instruction generation unit also is used for generating the gathering instruction, and said gathering instruction comprises collection amount at least;

Said instruction sending unit also is used to send said gathering instruction to treating payer, so that the said payer of treating is paid to said payer according to said gathering instruction.

A kind of payment system based on payment instruction comprises:

Payer is used to obtain the commodity payment information, and said commodity payment information comprises payment at least; Generate payment instruction according to said commodity payment information and payer payment information; Send said payment instruction;

Payment services side is used for accomplishing payment according to said payment instruction.

Further, also comprise the payment take over party,

Said payer is used for sending said payment instruction to the payment take over party;

Said payment take over party is used for after the said commodity payment information of the said payment instruction of checking is correct, sending said payment instruction to said payment services side.

Further, said payment services side also is used for feeding back payment result to said payer and/or said payment take over party.

The embodiment of the invention is through near field or the on-the-spot payment information that obtains commodity, and then generated payment instruction, the follow-up payment process of having accomplished based on this payment instruction according to the payer payment information of this locality; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Description of drawings

In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.

Fig. 1 is a kind of method of payment process flow diagram based on payment instruction of the embodiment of the invention;

Fig. 2 is the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction;

Fig. 3 is the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction;

Fig. 4 is the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction;

Fig. 5 is the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction;

Fig. 6 is the structural representation of a kind of payment terminal of the embodiment of the invention;

Fig. 7 is the structural representation of the another kind of payment terminal of the embodiment of the invention;

Fig. 8 is the structural representation of a kind of payment system based on payment instruction of the embodiment of the invention.

Embodiment

In order to make those skilled in the art can further understand characteristic of the present invention and technology contents, see also followingly about detailed description of the present invention and accompanying drawing, accompanying drawing only provides reference and explanation, is not to be used for limiting the present invention.

Below in conjunction with accompanying drawing and embodiment, technical scheme of the present invention is described.

Referring to Fig. 1, be a kind of method of payment process flow diagram of the embodiment of the invention based on payment instruction.

This method can comprise:

Step 101, payer obtains the commodity payment information.

This method embodiment is applicable to multiple payment scene, is particularly useful near field or on-site payment, for example transaction face-to-face; At first payer can be through the message identification of scan items; Obtain the commodity payment information like modes such as two-dimension codes, store payment at least in this merchandise news sign, can also store the information that payment take over party's number of the account etc. is used to pay; Certainly can also comprise information such as trade name, quantity; Based on this merchandise news sign, payer can obtain commodity payment information wherein, also promptly knows dealing money etc.Certainly; The mode of payer acquisition commodity payment information is multiple in addition, for example receives the radio-frequency information of the electronic tag emission on the commodity, has comprised the commodity payment information of the required acquisition of payer in this radio-frequency information; If confirm to buy, the information of then obtaining wherein gets final product.

Step 102, payer generates payment instruction according to commodity payment information and payer payment information.

Payer is transferred the payment information of the payer of local storage of payer or binding, for example the payment accounts of payer after obtaining the commodity payment information; The relevant interface information of payment services; As wallet withhold, bank card withholds etc., and payment cipher etc. is integrated commodity payment information and payer payment information then; Generate payment instruction, the process of this generation payment instruction comprises symmetry and the asymmetric encryption to commodity payment information and payer payment information.

Wherein, As long as comprise commodity payment information and payer payment information in the payment instruction; And can be got final product by payer, paying server, payment take over party identification, specifically which kind of form carrying above-mentioned information with can decide according to the agreement between payer, paying server, the payment take over party or negotiation.

Step 103, payer is sent payment instruction.

In concrete implementation procedure; Security for the instruction transmission course of further guaranteeing payment; Payer can also be encrypted the partial data information in the payment instruction or whole partial data; For example symmetric cryptography or asymmetric encryption, or the combination of two kinds of encryptions, the payment instruction after the transmission encryption then.

In the present embodiment; Payer directly is sent to payment services side with payment instruction, accomplishes payment, in another embodiment; This payer can also be sent to the payment take over party with payment instruction earlier; After waiting to pay take over party's affirmation, be sent to payment services side, pay by payer or payment take over party.

Step 104, the payment services root is accomplished payment according to payment instruction.

If payment instruction is encrypted, then decipher payment instruction after obtaining payment instruction according to a preconcerted arrangement this payment services side; Obtain payment wherein, payer information, and the modes of payments or payment interface etc.; And then, accomplish payment, wherein according to these information and executing business such as withhold, transfer accounts; Payment take over party's information, the number of the account of for example paying the take over party can be included in the payment instruction, also can be that payer arrives payment services side with payment take over party registered in advance; Payment services side after receiving payment instruction, can know both sides' information of transferring accounts, and then accomplish payment.

The embodiment of the invention is through near field or the on-the-spot payment information that obtains commodity, and then generated payment instruction, the follow-up payment process of having accomplished based on this payment instruction according to the payer payment information of this locality; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 2, be the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction.

This method can comprise:

Step 201, payer obtain the commodity payment information through the scan items message identification.

At first; The user is a payer through using mobile phone etc. to have the terminal scanning merchandise news sign of payer payment information; Identification code for example, and then can show corresponding commodity payment information on the mobile phone, for example trade name, price, beneficiary or payment take over party's account information etc.

Step 202, payer generates payment instruction according to commodity payment information and payer payment information.

Payer is according to the commodity payment information that obtains; And the payer payment information of the local storage of payer mobile phone; Integrate encryption; Can obtain payment instruction, also promptly comprise payment services side in this payment instruction and accomplished all necessary informations of paying, for example beneficiary information, payer information, payment etc.In the present embodiment, the final payment instruction that generates can be two-dimension code or picture or color sign indicating number etc.

Step 203, payer is encrypted payment instruction, and the payment instruction after will encrypting is sent to the payment take over party.

Payer is carried out symmetry or asymmetric encryption to the payment instruction that generates; Payment instruction after at first will encrypting then is sent to the payment take over party; The transmission of this payment instruction can be passed through bluetooth, NFC (Nearfield communication; Near-field communication) or mode such as WIfi send, also can be by the payment take over party through the first-class direct scanning of cell-phone camera or take the payment instruction that payer generates, send this payment instruction and need not payer.

In another embodiment of the present invention, this payer can not encrypted payment instruction yet, and directly is sent to the payment take over party, carries out subsequent step then.

Step 204, whether the commodity payment information in the instruction of payment take over party validation of payment is correct, if correct, then sends payment instruction to payment services side.

The payment take over party is after receiving payment instruction and payment instruction deciphered; Whether the commodity payment information in the validation of payment instruction is correct; For example whether beneficiary, the amount of money and bank settlement direction be correct; If correct, then send this payment instruction, if incorrect then send information such as information errors to payer to payment services side.

In another embodiment, the payment take over party obtains two-dimension code (or picture) payment instruction that the mode of payment instruction can also be the generation of scanning payer.

Step 205, the payment services root is accomplished payment according to payment instruction.

Payment services side carries out verification to this payment instruction after receiving payment instruction and deciphering, with the authenticity of the request of guaranteeing payment; And the correctness of information; Then according to the beneficiary in this payment instruction, payer information, and the modes of payments or payment interface etc.; And then carry out business such as withhold, transfer accounts, accomplish payment.

Step 206, payment services direction payer and/or payment take over party feed back payment result.

Payment services side can also further feed back payment result through modes such as note or multimedia messages to payer and/or payment take over party after accomplishing payment.

The embodiment of the invention is through near field or the on-the-spot payment information that obtains commodity, and then generated payment instruction, the follow-up payment process of having accomplished based on this payment instruction according to the payer payment information of this locality; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 3, be the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction.

The process of ordering with a plurality of users in the present embodiment and accomplishing the dinner cost payment is that example describes.This method can comprise:

Step 301, payer generates payment instruction.

In the present embodiment, a plurality of users have a dinner jointly, then choose a user as payer; Vegetable message identification on this payer scanning menu; The two-dimension code of vegetable for example obtains the commodity payment informations such as title, price, payment take over party information of vegetable, then according to the local payment information of binding of this payer; Generate payment instruction, this payment instruction is two-dimension code or picture.

Step 302, payer is sent payment instruction to the payment broker.

In the present embodiment, this payer is in off-line state, and for example this payer user does not have the mobile network; Perhaps there is not logging on client; Then can act on behalf of the transmission payment instruction by specifying a payment broker, this payment broker can be another among these a plurality of users; This payment broker is handled presence, can send payment instruction.

This payer can be sent to the payment broker with payment instruction through modes such as bluetooth, NFC or Wifi, also can directly scan the payment instruction that payer generates by the payment broker.

Step 303, the payment broker is sent payment instruction to the payment take over party.

The payment broker can be sent to the payment take over party with payment instruction through modes such as bluetooth, NFC or Wifi.After the payment take over party received payment instruction, whether checking commodity payment information was correct, if correctly then carry out next step,

Step 304, payment receive direction payment services side sends payment instruction.

Step 305, the payment services root is accomplished payment according to payment instruction.

Payment result can also be fed back to payer and/or payment take over party by payment services side.

The embodiment of the invention is through near field or the on-the-spot payment information that obtains commodity, and then generated payment instruction, the follow-up payment process of having accomplished based on this payment instruction according to the payer payment information of this locality; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 4, be the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction.

The process of paying with a plurality of payer in the present embodiment is that example describes, and for example a plurality of users order and accomplish the process that dinner cost is paid.This method can comprise:

Step 401, each payer generates payment instruction.

Need each payer of payment to obtain the commodity payment information respectively; Concrete can be each payer scan items message identification acquisition commodity payment information respectively; Also can be after obtaining the commodity payment information by a payer, to be sent to other payer, each payer be according to commodity payment information, the amount of money of dealing with separately and payer payment information separately; Generate payment instruction, this payment instruction is two-dimension code or picture.

Step 402, each payer are sent payment instruction to the payer of one of them appointment respectively.

For the ease of sending all payment instructions, each payer can be specified a payer, sends the payment instruction of each self-generating then to the payer of this appointment.This process of transmitting can be that each payer is sent to the appointment payer through modes such as bluetooth, NFC or Wifi with payment instruction separately.In another embodiment, can also be by specifying payer to scan the payment instruction that each payer generates respectively.

Step 403, the payer of appointment is sent each payment instruction in batches to the payment take over party.

The payer of appointment is with all payment instruction gradation or in batches to payment take over party transmission.Certainly, in other embodiments, each payer also can be sent payment instruction respectively to paying the take over party.

Step 404, the payment take over party sends payment instruction in batches to payment services side.

The payment take over party is after each payment instruction of checking, and gradation or batch send to payment services side.

Step 405, the payment services root is accomplished payment according to each payment instruction.

Payment services side accomplishes the payment transactions such as transferring accounts, withhold of each payer to the payment take over party respectively according to each payment instruction after each payment instruction of verification, accomplish payment.

Payment result can also be fed back to each payer and/or payment take over party by payment services side.

The embodiment of the invention is through near field or the on-the-spot payment information that obtains commodity, and then generated payment instruction, the follow-up payment process of having accomplished based on this payment instruction according to the payer payment information of this locality; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 5, be the method for payment process flow diagram of embodiment of the invention another kind based on payment instruction.

This method can comprise:

Step 501, payer generate the gathering instruction.

In the present embodiment; A plurality of if desired users pay a bill jointly, the Dutch treatment for example, and the method that then can be described according to preceding method embodiment by a certain payer or method of the prior art are accomplished after the payment; This payer can obtain everyone and deal with share according to total charge and the total number of persons of consumption; Be collection amount, generate the gathering instruction according to payment informations such as collection amount and payer numbers of the account then, wherein; Also can only comprise collection amount in this gathering instruction, information such as the number of the account of payer can be prenoticed other user.

Step 502, payer are sent the gathering instruction to treating payer, pay to payer according to the gathering instruction so that treat payer.

After payer generates the gathering instruction; This gathering payment instruction is sent to other user (treating payer) who has a dinner jointly, to notify other user-pay, after each user receives this gathering payment instruction to this payer; According to collection amount wherein, pay apportioned expense to payer.

In another embodiment, this gathering instruction also can be by treating that payer obtains the gathering instruction that payer generates through the first-class scanning of making a video recording, and for example treats gathering instruction that payer generates on mobile phone with the scanning of the camera on mobile phone payer etc.

Treat payer transmission gathering instruction through payer to other, realization expense is easily shared equally, has both accomplished payment process, has simplified payment process, has reduced error rate again, and then has improved payment efficient.

More than be description, introduce in the face of the terminal, the system that realize said method down the inventive method embodiment.

Referring to Fig. 6, be the structural representation of a kind of payment terminal of the embodiment of the invention.

This payment terminal can comprise:

Information acquisition unit 601 is used to obtain the commodity payment information, and this commodity payment information comprises payment at least;

Instruction generation unit 602 is used for generating payment instruction according to commodity payment information and payer payment information;

Instruction sending unit 603 is used to send payment instruction, so that the payment services root is accomplished payment according to payment instruction.

Information acquisition unit 601 can obtain the commodity payment information through the modes such as message identification of scan items, stores trade name, price and payment take over party's information such as number of the account in this merchandise news sign, based on this merchandise news sign; Payer can obtain commodity payment information wherein, andinstruction generation unit 602 is transferred the payment information of the payer of local storage of payer or binding after obtaining the commodity payment information; The payment accounts of payer for example, the relevant interface information of payment services, as wallet withhold, bank card withholds etc.; And payment cipher etc., then commodity payment information and payer payment information are integrated, generate payment instruction; And throughinstruction sending unit 603 transmissions, this payment services side obtains beneficiary wherein after obtaining payment instruction; Payer information; And the modes of payments or payment interface etc., and then, accomplish payment according to these information and executing business such as withhold, transfer accounts.

When the embodiment of the invention has been accomplished near field or on-the-spot consumption through said units based on the payment process of this payment instruction; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 7, be the structural representation of the another kind of payment terminal of the embodiment of the invention.

This payment terminal can also comprisefeedback receiving element 704 except can comprisinginformation acquisition unit 701,instruction generation unit 702,instruction sending unit 703.

Wherein,information acquisition unit 701 specifically is used for through the scan items message identification, obtains the commodity payment information.

Instruction sending unit 703 specifically is used for sending said payment instruction to the payment take over party so that the said commodity payment information of said payment take over party in the said payment instruction of checking correct after, send said payment instruction to said payment services side.

Thisinstruction sending unit 703 can further include:

Encrypt subelement 7031, be used for said payment instruction is encrypted;

Sendsubelement 7032, be used for the payment instruction after encrypting is sent to said payment take over party.

In another embodiment of the present invention; If this payment terminal is in off-line state; Then instruction sending unit can also be used for when the payment terminal off-line, sends said payment instruction to the payment broker, so that said payment broker is sent said payment instruction to the payment take over party.

In another embodiment of the present invention; If payment terminal is a plurality of; Then instruction sending unit can also be used for when payment terminal is at least two, sends payment instruction to the payer of one of them appointment, so that the payer of said appointment is sent payment instruction in batches to the payment take over party.

Feedback receiving element 704 is used to receive the payment result that feed back payment services side.

Information acquisition unit 701 scan items message identifications, identification code for example obtains corresponding commodity payment information, for example trade name, price, beneficiary or payment take over party's account information etc.Instruction generation unit 702 is according to the commodity payment information that obtains; And the payer payment information of the local storage of payment terminal; Integrate encryption, can obtain payment instruction, the payment instruction of 7031 pairs of generations of encryption subelement ofinstruction sending unit 703 is carried out symmetry or asymmetric encryption; The payment instruction of sending then aftersubelement 7032 will be encrypted is sent to the payment take over party, and the transmission of this payment instruction can be sent through modes such as bluetooth, NFC or WIfi.Whether the commodity payment information in the instruction of payment take over party validation of payment is correct; If it is correct; Then send payment instruction to payment services side; The payment services root is accomplished payment according to payment instruction, and feeds back payment result to payer and/or payment take over party, byfeedback receiving element 704 these feedback result of reception of payment terminal.

In another embodiment of the present invention, a plurality of if desired users pay a bill jointly, for example the Dutch treatment; After then can accomplishing payment through described mode of said units or alternate manner by a certain payment terminal; Again through the gathering process of instruction generation unit and instruction sending unit completion to other user (treating payer), wherein, this instructs generation unit; Can also be used for generating the gathering instruction, said gathering instruction comprises collection amount at least; Instruction sending unit can also be used to send said gathering instruction to treating payer, so that the said payer of treating is paid to said payer according to said gathering instruction.Each is with payer after receiving this gathering payment instruction, according to collection amount wherein, can pay apportioned expense to payer.

When the embodiment of the invention has been accomplished near field or on-the-spot consumption through said units based on the payment process of this payment instruction; Need not to use bank cards such as storage card or credit card in this process; Also need not to carry out actions such as Card Reader and user import, promptly accomplished payment process, simplified payment process; Reduce error rate, and then improved payment efficient.

Referring to Fig. 8, be the structural representation of a kind of payment system based on payment instruction of the embodiment of the invention.

This system can comprise payer 801 and payment services side 802 at least.

Payer 801 is used to obtain the commodity payment information; Generate payment instruction according to said commodity payment information and payer payment information; Send said payment instruction;

Payment services side 802 is used for accomplishing payment according to said payment instruction.

In the present embodiment, this system can also comprise payment take over party 803.

Payer 801 is used for sending said payment instruction to the payment take over party; Payment take over party 803 is used for after the said commodity payment information of the said payment instruction of checking is correct, sending said payment instruction to said payment services side.

In addition, payment services side 802 can also be used for after accomplishing payment, feeding back payment result to said payer and/or said payment take over party.

Based on the payment process of this payment instruction, simplified payment process when this system has accomplished near field or on-the-spot consumption, reduced error rate, and then improved payment efficient.

The correspondence that the concrete implementation procedure of each unit sees also among the preceding method embodiment in above terminal and the system is described, and repeats no more here.

Above-described embodiment of the present invention does not constitute the qualification to protection domain of the present invention.Any modification of within spirit of the present invention and principle, being done, be equal to replacement and improvement etc., all should be included within the claim protection domain of the present invention.

Claims (20)

1. the method for payment based on payment instruction is characterized in that, comprising:

Payer obtains the commodity payment information, and said commodity payment information comprises payment at least;

Payer generates payment instruction according to said commodity payment information and payer payment information;

Payer is sent said payment instruction, so that the payment services root is accomplished payment according to said payment instruction.

2. method according to claim 1 is characterized in that, said payer obtains the commodity payment information, comprising:

Said payer obtains the commodity payment information through the scan items message identification.

3. method according to claim 1 is characterized in that, said payer is sent said payment instruction, comprising:

Said payer is sent said payment instruction to the payment take over party so that the said commodity payment information of said payment take over party in the said payment instruction of checking correct after, send said payment instruction to said payment services side.

4. method according to claim 3 is characterized in that, said payer is sent said payment instruction to the payment take over party, comprising:

Said payer is encrypted said payment instruction;

Payment instruction after said payer will be encrypted is sent to said payment take over party.

5. method according to claim 3 is characterized in that, said payer is sent said payment instruction through one of following manner to the payment take over party:

Bluetooth, NFC, WIfi.

6. method according to claim 3 is characterized in that, said payer is sent said payment instruction to the payment take over party, comprising:

When said payer off-line, said payer is sent said payment instruction to the payment broker, so that said payment broker is sent said payment instruction to the payment take over party.

7. method according to claim 3 is characterized in that, said payer is sent said payment instruction to the payment take over party, comprising:

When said payer was at least two, each payer was sent payment instruction to the payer of one of them appointment respectively, so that the payer of said appointment is sent payment instruction in batches to the payment take over party;

The said payment services side of said payment receive direction sends said payment instruction, comprising:

Said payment take over party sends payment instruction in batches to said payment services side.

8. method according to claim 3 is characterized in that, said method also comprises:

Said payer receives the payment result of said payment services side feedback.

9. according to any described method in the claim 1 to 8, it is characterized in that said method also comprises:

Said payer generates the gathering instruction, and said gathering instruction comprises collection amount at least;

Said payer is sent said gathering instruction to treating payer, so that the said payer of treating is paid to said payer according to said gathering instruction.

10. a payment terminal is characterized in that, comprising:

Information acquisition unit is used to obtain the commodity payment information, and said commodity payment information comprises payment at least;

The instruction generation unit is used for generating payment instruction according to said commodity payment information and payer payment information;

Instruction sending unit is used to send said payment instruction, so that the payment services root is accomplished payment according to said payment instruction.

11. payment terminal according to claim 10 is characterized in that,

Said information acquisition unit specifically is used for through the scan items message identification, obtains the commodity payment information.

12. payment terminal according to claim 10 is characterized in that,

Said instruction sending unit specifically is used for sending said payment instruction to the payment take over party so that the said commodity payment information of said payment take over party in the said payment instruction of checking correct after, send said payment instruction to said payment services side.

13. payment terminal according to claim 12 is characterized in that, said instruction sending unit comprises:

Encrypt subelement, be used for said payment instruction is encrypted;

Send subelement, be used for the payment instruction after encrypting is sent to said payment take over party.

14. payment terminal according to claim 12 is characterized in that,

Said instruction sending unit is used for when said payment terminal off-line, sends said payment instruction to the payment broker, so that said payment broker is sent said payment instruction to the payment take over party.

15. payment terminal according to claim 12 is characterized in that,

Said instruction sending unit is used for when said payment terminal is at least two, sends payment instruction to the payer of one of them appointment, so that the payer of said appointment is sent payment instruction in batches to the payment take over party.

16. payment terminal according to claim 12 is characterized in that, said payment terminal also comprises:

The feedback receiving element is used to receive the payment result that feed back said payment services side.

17. according to any described payment terminal in the claim 10 to 16, it is characterized in that,

Said instruction generation unit also is used for generating the gathering instruction, and said gathering instruction comprises collection amount at least;

Said instruction sending unit also is used to send said gathering instruction to treating payer, so that the said payer of treating is paid to said payer according to said gathering instruction.

18. the payment system based on payment instruction is characterized in that, comprising:

Payer is used to obtain the commodity payment information, and said commodity payment information comprises payment at least; Generate payment instruction according to said commodity payment information and payer payment information; Send said payment instruction;

Payment services side is used for accomplishing payment according to said payment instruction.

19. system according to claim 18 is characterized in that, also comprises the payment take over party,

Said payer is used for sending said payment instruction to the payment take over party;

Said payment take over party is used for after the said commodity payment information of the said payment instruction of checking is correct, sending said payment instruction to said payment services side.

20. system according to claim 19 is characterized in that,

Said payment services side also is used for feeding back payment result to said payer and/or said payment take over party.

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