CN103400265A - Quick payment method and system based on position information - Google Patents
Quick payment method and system based on position information Download PDFInfo
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- CN103400265A CN103400265A CN2013102800469A CN201310280046A CN103400265A CN 103400265 A CN103400265 A CN 103400265A CN 2013102800469 A CN2013102800469 A CN 2013102800469A CN 201310280046 A CN201310280046 A CN 201310280046A CN 103400265 A CN103400265 A CN 103400265A
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- 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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Abstract
The invention relates to a quick payment method and a quick payment system based on position information. The method comprises the steps that a mobile terminal transmits obtained position information and pre-stored payment account information to a background processing subsystem; the background processing subsystem performs matching operation to the position information and the payment account information, transmits a one-time password to the mobile terminal and correspondingly correlating first combined data consisting of the position information and the one-time password with the payment account information; the mobile terminal displays the one-time password; a payment terminal receives the one-time password input by a user; and the background processing subsystem performs matching operation to second combined data and the first combined data, extracts the payment account information according to the first combined data and performs deduction operation to the corresponding payment account according to the transaction amount information of the payment terminal. The quick payment method and the quick payment system based on position information provided by the invention have the advantages that the existing payment method can be effectively improved, the method and the system are simple to use, the transaction speed is quick and the transaction is safe.
Description
Technical field
The present invention relates to method of mobile payment and system.
Background technology
At present, third party's payment transaction especially internet payment business enters the stage of ripeness, but still continues to increase rapidly.along with the market competition aggravation, the multi-business diversification trend that the third party pays enterprise is obvious, the scope of business relates to internet payment, mobile payment, bank card is received list etc., the business model of constantly bringing forth new ideas, respectively pay the released one after another technology of some innovations of enterprise for this reason, as attempted, with remote technology, realize payment (being the O2O payment) under the line of account on line, comprise the sound wave payment, Quick Response Code scanning payment etc., but totally there are the following problems for such payment technology: (1) technical conditions require with general traditional wire under the payment environment have gap, applicable scene is limited, as Quick Response Code scanning payment, be required to be trade company and change or increase newly special equipment, improve and implement difficulty and complicacy, increase transaction cost, (2) under experience and traditional wire, there is certain gap in payment, more can't substitute or surmount, as it is more to relate to the payment link, causes that complicated operation, exchange hour are grown etc.
Summary of the invention
The object of the invention is to propose a kind of quick paying method of position-based information, it can solve transaction cost height and the low problem of trading efficiency.
In order to achieve the above object, the technical solution adopted in the present invention is as follows:
A kind of quick paying method of position-based information, it comprises the following steps:
A, by the positional information that has in the acquisition for mobile terminal location tags the positional information that will get and the payment account information that is pre-stored in described mobile terminal, be sent to the background process subsystem, described location tags is located at transaction place, concrete, location tags can be located at entrance or the close position of transaction place;
B, by the background process subsystem, the positional information and the payment account information that come from described mobile terminal are carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, produce and store a disposal password, and to described mobile terminal, send described disposal password, to described acquisition for mobile terminal to positional information with the first complex data that described disposal password forms, with the payment account information of described mobile terminal, carry out corresponding associated;
C, by described mobile terminal, described disposal password is shown;
When D, user-pay, by payment terminals, receive the described disposal password of user input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem;
E, by the background process subsystem to the positional information that comes from payment terminals with come from the second complex data that a password of payment terminals forms and carry out matching operation with the first complex data of described background process subsystem storage, after coupling is passed through, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence.
Preferably, described disposal password has term of validity information; In step e, also by the background process subsystem, the term of validity information of disposal password is verified, after being verified, the operation of just withholing.
Preferably, in step C, before described mobile terminal shows described disposal password, also need to carry out following steps: by mobile terminal, receive the security password of user's input and described security password is sent to the background process subsystem; And also by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem are carried out to matching operation, coupling just allows described mobile terminal to show described disposal password after passing through.
Preferably, also have the following steps after step e: by will the withhold result of operation of background process subsystem, be back to payment terminals and show.
Preferably, but described location tags is a kind of in Quick Response Code, bar code, word, pattern or radio frequency chip and other identification types.
The invention also discloses a kind of rapid payment system of position-based information, it is applied to have location tags, in the system of mobile terminal, payment terminals and background process subsystem, and it comprises as lower module:
Modules A, be sent to the background process subsystem for the positional information that has by the acquisition for mobile terminal location tags the positional information that will get with the payment account information that is pre-stored in described mobile terminal, and described location tags is located at transaction place;
Module B, for by described background process subsystem, the positional information and the payment account information that come from described mobile terminal being carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, produce and store a disposal password, and to described mobile terminal, send described disposal password, to described acquisition for mobile terminal to positional information with the first complex data that described disposal password forms, with the payment account information of described mobile terminal, carry out corresponding associated;
Module C, for showing described disposal password by described mobile terminal;
Module D, for by described payment terminals, receiving the described disposal password of user's input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem;
Module E, for by described background process subsystem, the second complex data of the positional information that comes from payment terminals and a password composition that comes from payment terminals and the first complex data that described background process subsystem stores being carried out to matching operation, after coupling is passed through, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence.
Preferably, described disposal password has term of validity information; Described module E, also for by the background process subsystem, the term of validity information of disposal password being verified, after being verified, the operation of just withholing.
Preferably, before described mobile terminal showed described disposal password, described module C, also for receiving the security password of user's input and described security password being sent to the background process subsystem by described mobile terminal; And also for by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem being carried out to matching operation, coupling just allows described mobile terminal to show described disposal password after passing through.
Preferably, the rapid payment system of this position-based information also comprises module F, and the result that will operate for withholing by the background process subsystem is back to payment terminals and shows.
Preferably, but described location tags is a kind of in Quick Response Code, bar code, word, pattern or radio frequency chip and other identification types.
The present invention has following beneficial effect:
Can effectively improve the existing modes of payments, realize various new rapid payment scenes, use is simpler, transactions velocity is faster, transaction is safer, and has following advantage:
1) applicable scene is extensive, uses simpler.While being applicable to bank card without card on-site payment and mobile O2O payment scene, the user obtains disposal password after only need identifying the location tags in shop by mobile terminal, at the keyboard input disposal password of shop cashier's machine or traction equipment, can complete payment; While being applicable to the internet payment scene, the user obtains disposal password after only need identifying the location tags of website by mobile terminal, and the input disposal password can complete payment in network cashier payment program;
2) transactions velocity is faster.Adopt step-by-step processing to reduce the processing time of payment link, utilize the user to enter shop, picking commodities or service and operate to cashier defrayment time execution identifying user identity in transit and distribution disposal password before, required time is not embodied in the payment link, and it is not obvious that the user experiences; The time that the payment link needs is shorter than the required time of other methods of payment.Be applicable to bank card on-the-spot during without card payment scene, without the operation of swiping the card, only need input disposal password, speed is faster; While being applicable to internet payment and mobile O2O payment scene, can simplify the transaction operating process, improve transactions velocity, can reach on-the-spot without the equal effect of card payment scene with bank card;
3) transaction is safer.The mobile terminal that the user uses the individual to carry, only check in the personal view scope that disposal password and disposal password are only in the inner generation of background process subsystem and verification, and whole process all is under safe and controlled environment; Sensitive information data such as transmission user payment account and payment cipher not between payment terminals and background process subsystem, reduce risk of leakage; Immediate cancel after disposal password uses once, not identical and effective restrictions at every turn, safer than the payment cipher that each use is fixing.
The accompanying drawing explanation
Fig. 1 is the principle flow chart of quick paying method of a kind of position-based information of preferred embodiment of the present invention;
Fig. 2 is the software module figure of rapid payment system of a kind of position-based information of preferred embodiment of the present invention;
Fig. 3 is the software flow pattern of quick paying method of a kind of position-based information of preferred embodiment of the present invention.
Embodiment
Below, by reference to the accompanying drawings and embodiment, the present invention is described further.
As shown in Figure 1, a kind of quick paying method of position-based information, it comprises the following steps:
Step S1, by the positional information that has in the acquisition for mobile terminal location tags the positional information that will get and the payment account information that is pre-stored in described mobile terminal, be sent to the background process subsystem.But described location tags can be Quick Response Code, bar code, word, pattern or radio frequency chip and other identification types, that is to say, positional information can adopt the modes such as Quick Response Code, bar code, word or pattern encode and be presented on location tags, mobile terminal is taken and can be obtained corresponding positional information location tags by camera, positional information also can write the data after encode front or coding in radio frequency chip (as the NFC chip), and mobile terminal can be read corresponding positional information by the NFC inductor.Described location tags is located at transaction place, described transaction place comprises the network places such as the physics places such as shop or e-commerce website, location tags can adopt the mode of putting up or showing to be arranged on the entrance of transaction place or the conspicuous position of near zone, and same location tags can be shared near zone or a plurality of places that are mutually related.
Step S2, by the background process subsystem, the positional information and the payment account information that come from described mobile terminal are carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, produce and store a disposal password, and send described disposal password to described mobile terminal, to described acquisition for mobile terminal to positional information and the first complex data of forming of described disposal password and the payment account information of described mobile terminal carry out corresponding associatedly, described disposal password also has term of validity information.
Step S3, by mobile terminal, receive the security password of user input and described security password is sent to the background process subsystem, by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem are carried out to matching operation, after coupling is passed through, just allow described mobile terminal to show described disposal password, namely just allow by described mobile terminal, described disposal password to be shown.
When step S4, user-pay, by payment terminals, receive the described disposal password of user input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem.
step S5, by the background process subsystem, the second complex data of the positional information that comes from payment terminals and a password composition that comes from payment terminals and the first complex data that described background process subsystem stores are carried out to matching operation, simultaneously, also by the background process subsystem, the term of validity information of disposal password is verified, the coupling and be verified after, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence, the payment account of described correspondence refers to the account corresponding with the payment account information of described mobile terminal.Thereby it is effective in certain location tags scope, within certain effective time to have retrained described disposal password.
Step S6, by will the withhold result of operation of background process subsystem, be back to payment terminals and show, to inform whether Transaction Success of user or businessman.
Accordingly, corresponding with said method, the present embodiment also discloses a kind of rapid payment system of position-based information, and it is applied to have location tags, in the system of mobile terminal, payment terminals and background process subsystem, and it comprises as lower module:
Modules A, for the positional information that has by the acquisition for mobile terminal location tags the positional information that will get, with the payment account information that is pre-stored in described mobile terminal, be sent to the background process subsystem, described location tags is located at entrance or the close position of transaction place.
Module B, for by described background process subsystem, the positional information and the payment account information that come from described mobile terminal being carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, produce and store a disposal password, and to described mobile terminal, send described disposal password, to described acquisition for mobile terminal to positional information and the first complex data of forming of described disposal password and the payment account information of described mobile terminal carry out corresponding associated.Described disposal password also has term of validity information.
Module C, for by described mobile terminal, receiving the security password of user's input and described security password being sent to the background process subsystem, by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem are carried out to matching operation, after coupling is passed through, just allow described mobile terminal to show described disposal password, namely just allow by described mobile terminal, described disposal password to be shown.
Module D, for by described payment terminals, receiving the described disposal password of user's input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem.
module E, for by described background process subsystem, the second complex data of the positional information that comes from payment terminals and a password composition that comes from payment terminals and the first complex data that described background process subsystem stores being carried out to matching operation, simultaneously, also for by the background process subsystem, the term of validity information of disposal password being verified, the coupling and be verified after, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence.
Module F, the result that will operate for withholing by the background process subsystem is back to payment terminals and shows.
Below, the software instances in conjunction with concrete, be elaborated to the present embodiment.
As shown in Figure 2, a kind of rapid payment system of position-based information, smart mobile phone), payment terminals 3 and background process subsystem 4 it for example comprises location tags 1, mobile terminal 2(:.Mobile terminal 2 obtains the positional information 11 in location tags 1 by camera or near field inductor.Mobile terminal 2 intercoms mutually by network and background process subsystem 4.Payment terminals 3 intercoms with background process subsystem 4 mutually by network or communication interface.
Described position data administration module 41 can the rapid payment system of store and management the present embodiment in all positional informations 11, by unique binding rule, guarantee that all positional informations 11 do not repeat mutually, provide Search and Orientation function fast to judge whether positional information exists.Position data administration module 41 can also coordinate jointly with disposal password administration module 42, by unique binding rule, guarantee that the first complex data that is comprised of positional information 11 and disposal password 5 does not repeat mutually in background process subsystem 4, provide Search and Orientation function fast to judge whether described the first complex data exists.Position data administration module 41, disposal password administration module 42 can also coordinate jointly with payment account administration module 43, set up the corresponding incidence relation one by one of a plurality of described the first complex datas and a plurality of payment account information, but described the first complex data of fast finding and obtain with it corresponding payment account information.
Described disposal password administration module 42 can the rapid payment system of store and management the present embodiment in all disposal passwords 5, establishment, removing, query function are provided.Disposal password administration module 42 creates disposal password 5 according to certain business and risk management rules, as the term of validity length of disposal password 5 should be suitably and the term of validity length of the disposal password 5 that is associated of diverse location information 11 can there are differences.Disposal password administration module 42 can complete the management function that provides relevant with position data administration module 41, the common cooperation of payment account administration module 43.Disposal password administration module 42 can coordinate with mobile terminal 2, and the mode of the safety such as employing encrypted transmission is sent to disposal password 5 in mobile terminal 2.
Described payment account administration module 43 can the rapid payment system of store and management the present embodiment in one or more security password data etc. of all users' payment account information and status data, each user, and provide the transaction operation of withholing from user's payment account.Payment account administration module 43 can coordinate with mobile terminal 2, adopts the whether identity of correct mode authenticated of security password that the authentication of users payment account is corresponding.
Described location tags 1 comprises can be by the positional information 11 of background process subsystem 4 Search and Orientation.Described positional information 11 can adopt Quick Response Code or bar code or word or image or other discernible modes encode and are presented on location tags 1, also can be by before coding or in the radio frequency chip that identify of the adopted wireless induction mode that arranges in the data writing position label 1 after coding or in other devices that can read.In order to improve security of system, described positional information 11 can adopt the coded system of encryption, after by mobile terminal 2 identifications, being obtained, is decrypted and obtains described positional information 11.
Described disposal password 5 has one-time password information and other data such as valid period of adding in case of necessity, and for example mobile terminal 2 can be by judging whether disposal password 5 surpasses the term of validity and determine whether active is by its destruction.The rear generation of positional information 11 that disposal password 5 is comprised by the associated specific location tags 1 of background process subsystem 4, only effective in the place scope of described location tags 1 is set, effective in the regular hour scope, be that the first complex data that position information 11 and disposal password 5 form keeps unique in whole system in the term of validity of disposal password 5, the disposal password 5 that exceeds the term of validity will be removed or shift by background process subsystem 4.
Described mobile terminal 2 comprises label data acquisition module 21, payment account administration module 22, disposal password administration module 23.Label data acquisition module 21 identifies or obtains by photographic images or wireless induction or other feasible modes the positional information 11 that location tags 1 comprises.Payment account administration module 22 is by the payment account information with management after background process subsystem 4 coordinates the completing user authentication and storage user.Disposal password administration module 23 adopts the mode of encrypting to communicate by letter with background process subsystem 4 by network, obtains disposal password 5 and manages and store.
Described payment terminals 3 comprises position data administration module 31.Position data administration module 31 can arrange, stores and read positional information 11.Certainly, from hardware unit, payment terminals 3 need to have cipher input, and cipher input can provide the user can input the operation interface of disposal password 5.Payment terminals 3 is sent to background process subsystem 4 by communication interface or network by data such as positional information 11 and disposal password 5 and dealing money and carries out the transaction operation after receiving disposal password 5, the positional information 11 of payment terminals 3 and disposal password 5 form the second complex data, receive subsequently transaction results demonstration that background process subsystem 4 returns.
In conjunction with Fig. 2 and Fig. 3, the transaction flow of the quick paying method of the present embodiment is described.Comprise the following steps:
The positional information 11 that the location tags 1 that step S201, user use the label data acquisition module 21 of mobile terminal 2 to obtain transaction place entrance or near setting comprises, forward step S202 to;
If step S202 positional information 11 is obtained successfully, forward step S203 to, otherwise forward step S209 to;
Step S203, mobile terminal 2 use payment account administration module 22 to read the payment account information of storage inside, and the data such as payment account information and positional information 11 are sent to background process subsystem 4 by network together, forward step S204 to;
Step S204, background process subsystem 4 use location data management modules 41 check whether the positional information 11 of receiving exists, and if do not existed, show that data exist extremely; Use payment account administration module 43 to check whether the payment account information of receiving exists and whether state normal, if do not exist or abnormal state to show that data exist abnormal; If there is no abnormal, forward step S205 to, otherwise forward step S209 to;
Step S205, background process subsystem 4 use disposal password administration module 42 to produce and store disposal password 5, by disposal password administration module 42 and position data administration module 41, the common cooperation of payment account administration module 43 with the first complex data that described disposal password 5 forms, with described payment account information, carrying out corresponding associated to described positional information 11, and adopt the mode of encrypting that disposal password 5 is sent back to mobile terminal 2 by network, forward step S206 to;
Step S206, mobile terminal 2 use disposal password administration module 23 obtain and store disposal password 5 from background process subsystem 4, require the user to input security password and examine identity, forward step S207 to;
Step S207, mobile terminal 2 use payment account administration module 22 with background process subsystem 4, to coordinate the correctness of authenticating security password, if correct, forward step S208 to, otherwise forward step S209 to;
Step S208, mobile terminal 2 show disposal password 5 to the user, and the user starts to select the commodity or the service that need, forwards step S301 to;
Step S209, mobile terminal 2 show error message, this delivery operation abort;
Step S301, when the user need to pay the bill, the disposal password 5 that input step S208 obtains in payment terminals 3, payment terminals 3 obtains disposal password 5, forwards step S302 to;
Step S302, payment terminals 3 use location data management modules 31 obtain positional information, together with data such as disposal password 5 and dealing money, be sent to background process subsystem 4, the positional information of payment terminals 3 and disposal password 5 form the second complex data, forward step S303 to;
After step S303, background process subsystem 4 are received data, the modules such as use location data management module 41, disposal password administration module 42, payment account administration module 43 coordinate to check whether data normal, comprise whether positional information exists, whether the second complex data exists and unique (namely whether the second complex data finds the first complex data that matches), disposal password whether over valid period, whether find the payment account information corresponding with the first complex data and payment account state whether normal etc.If all normally forward step S304 to, otherwise forward step S307 to;
The amount of money that step S304, background process subsystem 4 use payment account administration module 43 to deal with from the payment accounts deduction, forward step S305 to;
If step S305 payment account is withholdd successfully, forward step S306 to, otherwise forward step S307 to;
Step S306, background process subsystem 4 are sent back to payment terminals 3 by communication interface or network by the transaction results data of success status, forward step S308 to;
Step S307, background process subsystem 4 are sent back to payment terminals 3 by communication interface or network by the transaction results data of status of fail, forward step S308 to;
Step S308, payment terminals 3 show and carry out the subsequent treatment of necessity according to the state of the transaction results of receiving, this delivery operation finishes.
For a person skilled in the art, can make other various corresponding changes and distortion according to technical scheme described above and design, and these all changes and the distortion all should belong to the protection domain of the claims in the present invention within.
Claims (10)
1. the quick paying method of a position-based information, is characterized in that, comprises the following steps:
By the positional information that has in the acquisition for mobile terminal location tags the positional information that will get, with the payment account information that is pre-stored in described mobile terminal, be sent to the background process subsystem, described location tags is located at transaction place;
By the background process subsystem, the positional information and the payment account information that come from described mobile terminal are carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, to described mobile terminal, send disposal password, to described acquisition for mobile terminal to positional information with the first complex data that described disposal password forms, with the payment account information of described mobile terminal, carry out corresponding associated;
By described mobile terminal, described disposal password is shown;
During user-pay, by payment terminals, receive the described disposal password of user input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem;
By the background process subsystem, the second complex data of the positional information that comes from payment terminals and a password composition that comes from payment terminals and the first complex data that described background process subsystem stores are carried out to matching operation, after coupling is passed through, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence.
2. the quick paying method of position-based information as claimed in claim 1, is characterized in that, described disposal password has term of validity information; In step e, also by the background process subsystem, the term of validity information of disposal password is verified, after being verified, the operation of just withholing.
3. the quick paying method of position-based information as claimed in claim 1, it is characterized in that, in step C, before described mobile terminal shows described disposal password, also need to carry out following steps: by mobile terminal, receive the security password of user's input and described security password is sent to the background process subsystem; And also by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem are carried out to matching operation, coupling just allows described mobile terminal to show described disposal password after passing through.
4. the quick paying method of position-based information as claimed in claim 1, is characterized in that, also has the following steps after step e: by will the withhold result of operation of background process subsystem, be back to payment terminals and show.
5. the quick paying method of position-based information as claimed in claim 1, is characterized in that, described location tags is a kind of in Quick Response Code, bar code, word, pattern or radio frequency chip.
6. the rapid payment system of a position-based information, is characterized in that, is applied to have location tags, in the system of mobile terminal, payment terminals and background process subsystem, and it comprises as lower module:
Modules A, be sent to the background process subsystem for the positional information that has by the acquisition for mobile terminal location tags the positional information that will get with the payment account information that is pre-stored in described mobile terminal, and described location tags is located at transaction place;
Module B, for by described background process subsystem, the positional information and the payment account information that come from described mobile terminal being carried out to matching operation with the positional information that is pre-stored in described background process subsystem and payment account information respectively, after coupling is passed through, to described mobile terminal, send disposal password, to described acquisition for mobile terminal to positional information with the first complex data that described disposal password forms, with the payment account information of described mobile terminal, carry out corresponding associated;
Module C, for showing described disposal password by described mobile terminal;
Module D, for by described payment terminals, receiving the described disposal password of user's input, and the dealing money information that the positional information that described disposal password, described payment terminals are prestored and described payment terminals produce is sent to the background process subsystem;
Module E, for by described background process subsystem, the second complex data of the positional information that comes from payment terminals and a password composition that comes from payment terminals and the first complex data that described background process subsystem stores being carried out to matching operation, after coupling is passed through, according to the corresponding relation of the payment account information of the first complex data and described mobile terminal, take out the payment account information of described mobile terminal, according to the dealing money information of payment terminals to the operation of withholing of the payment account of correspondence.
7. the rapid payment system of position-based information as claimed in claim 6, is characterized in that, described disposal password has term of validity information; Described module E, also for by the background process subsystem, the term of validity information of disposal password being verified, after being verified, the operation of just withholing.
8. the rapid payment system of position-based information as claimed in claim 6, it is characterized in that, before described mobile terminal shows described disposal password, described module C, also for receiving the security password of user's input and described security password being sent to the background process subsystem by described mobile terminal; And also for by the background process subsystem, the security password that comes from described mobile terminal and the security password that is pre-stored in described background process subsystem being carried out to matching operation, coupling just allows described mobile terminal to show described disposal password after passing through.
9. the rapid payment system of position-based information as claimed in claim 6, is characterized in that, also comprises module F, and the result that will operate for withholing by the background process subsystem is back to payment terminals and shows.
10. the rapid payment system of position-based information as claimed in claim 6, is characterized in that, described location tags is a kind of in Quick Response Code, bar code, word, pattern or radio frequency chip.
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| CN2013102800469A CN103400265A (en) | 2013-07-04 | 2013-07-04 | Quick payment method and system based on position information |
| PCT/CN2014/080308 WO2015000365A1 (en) | 2013-07-04 | 2014-06-19 | Quick payment method and system based on location information |
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| CN2013102800469A CN103400265A (en) | 2013-07-04 | 2013-07-04 | Quick payment method and system based on position information |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103874021A (en) * | 2014-04-02 | 2014-06-18 | 上海坤士合生信息科技有限公司 | Safe region recognition method and device, and user terminal |
| WO2015000365A1 (en) * | 2013-07-04 | 2015-01-08 | Xu Yejun | Quick payment method and system based on location information |
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| CN105793881B (en) * | 2013-12-05 | 2018-03-09 | 谷歌有限责任公司 | Determine the merchant identity against the received merchant identifier |
| CN105793881A (en) * | 2013-12-05 | 2016-07-20 | 谷歌公司 | Determine the merchant identity against the received merchant identifier |
| CN103874021A (en) * | 2014-04-02 | 2014-06-18 | 上海坤士合生信息科技有限公司 | Safe region recognition method and device, and user terminal |
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