Online to offline mobile payment method

A mobile payment and payment platform technology, applied in the payment system structure, payments involving neutral parties, instruments, etc., can solve the problem of unsolved online payment platform and physical POS terminal payment information transmission, etc., to achieve convenient transaction payment behavior, The effect of easy support and good user payment experience

Inactive Publication Date: 2016-03-30
SHANGHAI WEARAPAY INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] In the prior art disclosed by the above-mentioned patent, the communication problem of transferring bank card payment information between the smart phone and the traditional POS terminal has been solved, but the payment information transfer between the online payment platform and the physical POS terminal has not been solved.

Method used

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  • Online to offline mobile payment method
  • Online to offline mobile payment method
  • Online to offline mobile payment method

Examples

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Effect test

Embodiment 1

[0023] figure 1 It schematically shows an online-to-offline mobile payment method according to an embodiment of the present invention. refer to figure 1 , the method adopts the mode of cooperating with the POS operator (the POS operator may also be referred to as a traditional acquiring network herein), and the online-to-offline mobile payment method under this mode includes the following steps:

[0024] 1) Use the wallet payment program (that is, the APP on the smartphone, which is an offline payment program) to bind a third-party payment account (such as Baifubao account, Tenpay account, Telecom Yipay account, Unicom Wopay account, etc. );

[0025] 2) When initiating payment, use the wallet payment program to apply for a payment token from the wallet service (that is, the online service system of the wallet payment program) (here, the payment token is a content well-known to those skilled in the art, for details, please refer to the EMVCo Organization Electronic payment t...

Embodiment 2

[0036] figure 2 It schematically shows an online-to-offline mobile payment method according to another embodiment of the present invention. refer to figure 2 , this embodiment adopts the combination of POS operators, acquiring banks, bank card organizations, and token service providers (Tokenserviceprovider, TSP) (at this time, POS operators, acquiring banks, bank card organizations, and token service providers can be collectively referred to as Traditional acquirer network) and other modes of cooperation, the online-to-offline mobile payment method under this mode includes the following steps:

[0037] 1) Use the wallet payment program (that is, the APP on the smartphone, which is an offline payment program) to bind a third-party payment account (such as Baifubao account, Tenpay account, Telecom Yipay account, Unicom Wopay account, etc. ).

[0038] 2) When initiating a payment, use the wallet payment program to apply for a payment token from the wallet service (that is, ...

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Abstract

The invention relates to an online to offline mobile payment method. The method comprises the steps that: a wallet payment program installed on an intelligent mobile phone is used for being bound to a third party payment account; when payment is initiated, the wallet payment program is used to apply for and receive a payment token from wallet service; by means of a magnetic pulse emitter, the intelligent mobile phone sends a modulation signal including the payment token data to a POS terminal in the form of a magnetic pulse signal, and then the POS terminal sends a tokenized payment request to a conventional merchant-acquiring network; the conventional merchant-acquiring network and a third party payment platform carry out collection settlement; and a settlement result is returned to the POS terminal through the conventional merchant-acquiring network, and the POS terminal outputs bill information.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to an online-to-offline mobile payment method using a traditional POS terminal as a channel. Background technique [0002] The so-called online-to-offline mobile payment refers to any online third-party payment platform (such as WeChat payment, Baifubao, Telecom Yipay, Unicom Wopay, etc.) etc.) to complete the on-site mobile payment. [0003] O2O is OnlineToOffline (online to offline or online to offline), which refers to the combination of offline business opportunities and the Internet, making the Internet the front desk of offline transactions. [0004] The O2O revolution, which started vigorously from the payment level, has encountered challenges from the very beginning. Even if scanning code payment and remote payment have already acquired some users, if there is no physical POS terminal, etc., only scanning code payment or remote payment cannot support O2O payment. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q20/02G06Q20/36
CPCG06Q20/02G06Q20/202G06Q20/367
Inventor 徐雄伟张亦农杨铁党
Owner SHANGHAI WEARAPAY INC
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