Payment method and system

[0023] Example one

[0024] figure 1 This is a schematic flow diagram of a payment method provided in the first embodiment of the present invention. The payment method provided in the embodiment of the present invention is suitable for various payment scenarios such as consumption, transfer, remittance, and borrowing. It specifically describes one NFC mobile terminal and another NFC mobile terminal. Terminal, the process of payment through the payment platform. In order to distinguish between buyers and sellers, the present invention uses "first" and "second" to distinguish different NFC mobile terminals, instead of restricting NFC mobile terminals. The method of this embodiment specifically includes the following operations:

[0025] S110. The near field communication NFC module of the first mobile terminal sends a payment request to the NFC module of the second mobile terminal, and after the payment request is encrypted, sends the payment module of the first mobile terminal;

[0026] The present invention exemplarily takes the first mobile terminal as a merchant mobile terminal and acts as a card issuer simulation role; the second mobile terminal is a buyer user's mobile terminal and acts as a card simulation role. The mobile terminal may be an electronic device such as a mobile phone or a tablet computer. In order to realize NFC communication, both the first mobile terminal and the second mobile terminal are provided with an NFC module. The NFC module may be, for example, an NFC chip, and may also include an NFC application client. When a mobile payment is required, the NFC application client in the respective NFC module is activated through the first mobile terminal and the second mobile terminal to establish an NFC connection . The first mobile terminal inputs the payment request through the NFC application client, and sends it to the NFC module of the second mobile terminal. To ensure payment security, the NFC module of the first mobile terminal encrypts the payment request, obtains the encrypted payment request, and sends it to the payment module of the first mobile terminal. The payment module of the first mobile terminal completes the subsequent steps. Payment transaction. The payment module may be a client of each payment platform, such as an electronic payment tool such as an electronic wallet.

[0027] S120. The NFC module of the second mobile terminal generates a payment instruction according to the payment request, and after encrypting the payment instruction, sends the payment module of the second mobile terminal;

[0028] After the NFC module of the second mobile terminal obtains the payment request sent by the NFC module of the first mobile terminal through NFC communication, it generates a corresponding payment instruction according to the payment request. To ensure payment security, the NFC module of the second mobile terminal will The payment instruction is encrypted to obtain the encrypted payment instruction and sent to the payment module of the second mobile terminal, and the payment module of the second mobile terminal completes the subsequent payment transaction.

[0029] The payment request includes a payment amount, a payment account number, and a transaction code, and the payment instruction generated according to the payment request includes a payment amount, a payment account number, and a transaction code. The optional payment instruction may also include a payment password. The collection account number and the payment account number may be bank card account numbers or account numbers of various electronic payment tools. The collection account number and the payment account number may be one or more.

[0030] S130: The payment module of the first mobile terminal and the payment module of the second mobile terminal respectively send the encrypted payment request and the encrypted payment instruction to the payment platform;

[0031] After the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively send the encrypted payment request and the encrypted payment instruction to the payment platform, the payment platform matches the encrypted payment request and the encrypted payment instruction to verify whether the current payment transaction legitimate.

[0032] Wherein, the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively send the encrypted payment request and the encrypted payment instruction. The payment platform can send the encrypted payment request and the encrypted payment instruction through the operator network or the wireless network, which is not limited in the embodiment of the invention.

[0033] It should be noted that there are multiple implementation ways for the NFC module of the first mobile terminal to encrypt the payment request and the NFC module of the second mobile terminal to encrypt the payment instruction. This embodiment provides a In a preferred embodiment, for example, the encryption process of the payment information can pass the third-party e-commerce certification center CA electronic signature and digital certification. The CA center issues the corresponding private keys to the first mobile terminal and the second mobile terminal. The NFC module of the terminal encrypts the payment request through the private key; the NFC module of the second mobile terminal encrypts the payment instruction through the private key; the CA center grants the corresponding public key to the payment platform Decryption, the payment platform decrypts the encrypted payment request sent by the payment module of the first mobile terminal and the encrypted payment instruction sent by the payment module of the second mobile terminal according to the public key to obtain complete payment information and payment instructions. Compared with the traditional dynamic password encryption, the encryption processing method provided by the embodiments of the present invention has higher security and reliability, and can prevent fraudulent behaviors by phishing websites and illegal users. So as to ensure the confidentiality, authenticity, integrity and security of the entire transaction process.

[0034] S140. The payment platform performs transaction processing according to the encrypted payment request and the encrypted payment instruction.

[0035] After the payment platform decrypts the encrypted payment request and the encrypted payment instruction, the transaction processing can be performed. For example, the corresponding payment amount is deducted from the payment account of the second mobile terminal, and then the payment account of the first mobile terminal Credit the corresponding payment amount.

[0036] It should be noted that the payment method provided in the embodiment of the present invention can be applied to any payment platform among a bank payment platform, a third-party payment provider platform, and an operator payment platform. The mobile communication network acts as a bridge during the entire transaction process, enabling a reliable connection between the payment platform and the mobile terminal, without redundant links, and the entire process is simple, reliable, and highly efficient.

[0037] In the embodiment of the present invention, the mobile terminal that people often use at this stage communicates through NFC and combines it with the payment platform to realize mobile payment, saves expensive POS machine fees, and lowers the entry barrier for merchants, and users do not have to worry about mobile If the network signal is not good or the network speed is too slow, because mobile terminals use NFC near field communication as a means of communication to obtain payment requests, the transmission distance is short and the speed is fast, so that eavesdroppers have no chance to intercept the transmission of the payment request. The security of the channel is improved. In addition, the NFC module is used to encrypt payment requests and payment instructions to achieve end-to-end encryption, which can prevent the privacy of buyer users and merchants from being leaked, and its security is higher.

[0038] On the basis of the foregoing embodiment, optionally, after the payment platform performs transaction processing according to the encrypted payment request and the encrypted payment instruction, the method further includes:

[0039] The payment platform sends payment feedback information to the payment module of the first mobile terminal and/or the payment module of the second mobile terminal. The advantage of this setting is that the first mobile terminal and/or the second mobile terminal can be notified in time whether the transaction is successfully processed.

[0040] Optionally, the NFC module of the first mobile terminal and/or the NFC module of the second mobile terminal is an NFC chip and is provided with a security module, and the initiation of the payment transaction is controlled through the NFC application client. Optionally, The NFC application client sets a preset password, and only after the preset password is input, the NFC application client initiates a payment transaction. Therefore, if the mobile terminal is accidentally lost, criminals cannot use the payment transaction function of the mobile terminal, so that the loss can be avoided.

[0041] The method of the foregoing embodiment has more obvious advantages for micropayment services. Due to frequent micropayment transactions, higher processing efficiency is required, such as storing as little information as possible, processing speed as fast as possible, or communication speed as fast as possible, etc., as in the method of the above-mentioned embodiment, the buyer and seller’s Mobile terminals use NFC near field communication as a means of communication for information transmission, with short transmission distance, high speed and high efficiency. At the same time, the payment request or payment instruction is encrypted through the NFC module, which improves the security and reliability of the payment. Under the premise of ensuring certain security, it gives full play to higher processing efficiency. Moreover, the entire micropayment business requires the entire business to be controllable, with the participation of terminal users, mobile e-commerce and payment platforms.

[0042] Example two

[0043] figure 2 Shown is a schematic structural diagram of a payment system provided in the second embodiment of the present invention, such as figure 2 As shown, the system specifically includes: a first mobile terminal 210, a second mobile terminal 220, and a payment platform 230.

[0044] Among them, the first mobile terminal 210 includes an NFC module 211 and a payment module 212; the second mobile terminal 220 includes an NFC module 221 and a payment module 222. The NFC module 211 of the first mobile terminal is used to send a payment request to the NFC module 221 of the second mobile terminal. After the payment request is encrypted, it is sent to the payment module 212 of the first mobile terminal; the NFC module 221 of the second mobile terminal, Used to generate a payment instruction according to the payment request, encrypt the payment instruction, and send the payment module 222 of the second mobile terminal; the payment module 212 of the first mobile terminal and the payment module 222 of the second mobile terminal are respectively used for The encrypted payment request and the encrypted payment instruction are sent to the payment platform 230. The payment platform 230 is configured to perform transaction processing according to the encrypted payment request and the encrypted payment instruction, and is also used to send the payment module 212 of the first mobile terminal after the transaction processing is performed according to the encrypted payment request and the encrypted payment instruction. And/or the payment module 222 of the second mobile terminal sends payment feedback information. The advantage of this setting is that the first mobile terminal and/or the second mobile terminal can be notified in time whether the transaction is successfully processed.

[0045] It should be noted that the mobile terminal may be an electronic device such as a mobile phone or a tablet computer. The NFC module may be, for example, an NFC chip, and may also include an NFC application client. The payment module may be a client of each payment platform, such as an electronic payment tool such as an electronic wallet. The payment platform includes any one of a bank payment platform, a third-party payment provider platform, and an operator payment platform. The payment request includes a payment amount, a receiving account number, and a transaction code, and the payment instruction generated according to the payment request includes a payment amount, a payment account number, and a transaction code. The optional payment instruction may also include a payment password. The collection account number and the payment account number may be bank account numbers or account numbers of various electronic payment tools. The collection account number and the payment account number may be one or more.

[0046] Preferably, the payment platform includes two parts: a communication unit and a payment unit. The communication unit supports a communication protocol, the payment unit supports a payment protocol, and the communication unit and the payment unit can communicate with each other. The payment platform can realize the access of mobile service providers and is responsible for functions such as communication, account management, transaction processing and accounting processing.

[0047] Specifically, the communication unit of the payment platform is connected to the short message center platform through the short message point-to-point protocol, and provides a unified interface format for mobile service providers to ensure the efficiency and reliability of communication;

[0048] The payment unit of the payment platform provides user payment account management, transaction processing and accounting processing; wherein account management includes account opening, mobile to bank transfer, bank to mobile transfer, business registration, business cancellation, account freezing, account unfreezing, and query Balance, query transaction details, account cancellation, and change account passwords; transaction processing includes payment and refunds, etc.; accounting processing includes settlement processing, reconciliation processing, call bill generation, and accounting settlement. The payment unit of the payment platform can also provide a unified interface to mobile service providers.

[0049] image 3 This is a schematic diagram of the organizational structure of a payment platform provided by an embodiment of the present invention, such as image 3 As shown, the payment platform includes an account transfer system, a management system, a payment processing system, a database, a user access service, and a payment service interface. The transfer system can perform functions such as security control, accounting query, and business configuration, and provides a transparent transfer interface, an automatic transfer module and a bank card interface. The management system is mainly responsible for account settlement, system management, user management and account management. It provides a WEB server. Account management includes account opening and account cancellation. The payment processing system is mainly used to extract payment information, such as account information for receipt and payment. The database is used to store various data, and at the same time provide required data for the transfer system and management system, such as user information data and service provider information data, etc. The payment service interface provides an access interface for external mobile terminals. The user access service realizes user access by interconnecting with a short message system, an interactive voice response (Interactive Voice Response, IVR) system, and a wireless application communication protocol (Wireless Application Protocol, WAP) system.

[0050] The above-mentioned system can execute the method provided by any embodiment of the present invention, and has corresponding functional modules and beneficial effects for executing the method.