METHOD, APPARATUS AND SYSTEM FOR MOBILE PAYMENT

• US 20150142659A1
• Filed: 08/19/2014
• Published: 05/21/2015
• Est. Priority Date: 11/15/2013
• Status: Abandoned Application

• Current Assignee: Tencent Technology Company Limited (Tencent Holdings Limited)
• Original Assignee: Tencent Technology Company Limited (Tencent Holdings Limited)
• Inventors: SHI, WEI
• Application Number:
  US14/462,784
• Publication Number:
  US 20150142659A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

A mobile payment method is provided. The method includes a mobile terminal obtaining a user identifier stored in a portable terminal which establishes a communication connection with the mobile terminal and sending the user identifier to a payment platform server. The method also includes the mobile terminal receiving prompt information sent from the payment platform server, where the prompt information is used to prompt the mobile terminal to report payment information after the payment platform server authenticates successfully the user identifier sent from the mobile terminal. Further, the method includes the mobile terminal receiving the payment information inputted by a user in response to the prompt information and sending the payment information to the payment platform server to cause the payment platform server to perform a payment operation based on the payment information, where the payment information includes a payment account, a payment amount and a beneficiary account.

Claims

1. A mobile payment method for a mobile terminal, comprising:

obtaining, by the mobile terminal, a user identifier stored in a portable terminal which establishes a communication connection with the mobile terminal;

sending, by the mobile terminal, the user identifier to a payment platform server;

receiving, by the mobile terminal, prompt information sent from the payment platform server, wherein the prompt information is used to prompt the mobile terminal to report payment information after the payment platform server authenticates successfully the user identifier sent from the mobile terminal;

receiving, by the mobile terminal, the payment information inputted by a user in response to the prompt information; and

sending, by the mobile terminal, the payment information to the payment platform server to cause the payment platform server to perform a payment operation based on the payment information, wherein the payment information includes a payment account, a payment amount and a beneficiary account.

2. The method according to claim 1, before obtaining a user identifier stored in a portable terminal which establishes a communication connection with the mobile terminal, further including:

detecting, by the mobile terminal, an identification authentication start instruction inputted by the user;

responding to, by the mobile terminal, the identification authentication start instruction; and

performing, by the mobile terminal, the steps for obtaining the user identifier stored in the portable terminal which establishes the communication connection with the mobile terminal.

3. The method according to claim 2, before detecting an identification authentication start instruction inputted by the user, further including:

establishing, by the mobile terminal, the communication connection with the portable terminal.

4. The method according to claim 3, wherein the communication connection with the portable terminal is established via one of the following interfaces:

a headphone port of the mobile terminal;

a charging port of the mobile terminal;

a Bluetooth module of the mobile terminal;

a wireless fidelity (Wi-Fi) module of the mobile terminal; and

a near field communication (NFC) module of the mobile terminal.

5. The method according to claim 4, after receiving the payment information inputted by a user in response to the prompt information, further includes:

sending, by the mobile terminal, the payment information to the portable terminal;

receiving, by the mobile terminal, the encrypted payment information sent from the portable terminal after the portable terminal receives the payment information sent from the mobile terminal and encrypts the payment information using an encryption algorithm and an encryption key stored in the portable terminal; and

sending, by the mobile terminal, the encrypted payment information to the payment platform server to cause the payment platform server to decrypt the encrypted payment information and perform the payment operation.

6. The method according to claim 4, wherein:

the user identifier stored in the portable terminal includes a user identifier that changes periodically.

7. A mobile terminal, comprising:

an obtaining unit configured to obtain a user identifier stored in a portable terminal which establishes a communication connection with the mobile terminal; and

a receiving and sending unit configured to;

send the user identifier to a payment platform server;

receive prompt information sent from the payment platform server, wherein the prompt information is used to prompt the mobile terminal to report payment information, and the prompt information is information sent from the payment platform server to the mobile terminal when the user identifier is authenticated successfully by the payment platform server;

receive the payment information inputted by a user in response to the prompt information; and

send the payment information to the payment platform server to cause the payment platform server to perform a payment operation based on the payment information, wherein the payment information includes a payment account, a payment amount, and a beneficiary account.

8. The mobile terminal according to claim 7, further includes:

a detecting unit configured to, before the obtaining unit obtains the user identifier stored in the portable terminal which establishes the communication connection with the mobile terminal, detect an identification authentication start instruction, respond to the identification authentication start instruction, and trigger the obtaining unit to obtain the user identifier stored in the portable terminal which establishes the communication connection with the mobile terminal.

9. The mobile terminal according to claim 8, further includes:

a connecting unit configured to, before the detecting unit detects the identification authentication start instruction, establish the communication connection with the portable terminal.

10. The mobile terminal according to claim 9, wherein the connecting unit is configured to establish the communication connection with the portable terminal via one of the following interfaces:

a headphone port of the mobile terminal;

a charging port of the mobile terminal;

a Bluetooth module of the mobile terminal;

a Wi-Fi module of the mobile terminal; and

a near field communication (NFC) module of the mobile terminal.

11. The mobile terminal according to claim 10, wherein the receiving and sending unit is also configured to:

after receiving the payment information inputted by the user in response to the prompt information, send the payment information to the portable terminal to cause the portable terminal to encrypt the payment information using an encryption algorithm and an encryption key and send the encrypted payment information to the mobile terminal; and

receive the encrypted payment information sent from the portable terminal, and send the encrypted payment information to the payment platform server to cause the payment platform server to decrypt the encrypted payment information and perform the payment operation.

12. The mobile terminal according to claim 10, wherein:

the user identifier stored in the portable terminal includes a user identifier that changes periodically.

13. A mobile payment system, comprising:

a portable terminal configured to store a user identifier;

a mobile terminal configured to;

obtain the user identifier stored in the portable terminal;

send the user identifier to a payment platform server;

receive payment information inputted by a user in response to prompt information; and

send the payment information to the payment platform server, wherein the payment information includes a payment account, a payment amount and a beneficiary account; and

the payment platform server configured to;

receive the user identifier sent from the mobile terminal;

authenticate the user identifier, wherein;

when an authentication is successful, the payment platform server sends the prompt information to the mobile terminal, and the prompt information is used to prompt the mobile terminal to report the payment information;

receive the payment information sent from the mobile terminal; and

perform a payment operation based on the payment information.

14. The system according to claim 13, wherein, before obtaining the user identifier stored in the portable terminal, the mobile terminal is further configured to:

detect an identification authentication start instruction inputted by the user;

respond to the identification authentication start instruction; and

perform the steps for obtaining the user identifier stored in the portable terminal.

15. The system according to claim 14, wherein the mobile terminal is further configured to:

before detecting the identification authentication start instruction, establish the communication connection with the portable terminal.

16. The system according to claim 15, wherein the mobile terminal establishes the communication connection with the portable terminal via one of the following interfaces:

a headphone port of the mobile terminal;

a charging port of the mobile terminal;

a Bluetooth module of the mobile terminal;

a Wi-Fi module of the mobile terminal; and

a near field communication (NFC) module of the mobile terminal.

17. The system according to claim 16, wherein:

the portable terminal is also configured to;

store an encryption algorithm and an encryption key;

after receiving the payment information sent from the mobile terminal, encrypt the payment information using the encryption algorithm and the encryption key to obtain the encrypted payment information; and

send the encrypted payment information to the mobile terminal;

the mobile terminal is also configured to;

after receiving the payment information inputted by the user in response to the prompt information, send the payment information to the portable terminal;

receive the encrypted payment information sent from the portable terminal; and

send the encrypted payment information to the payment platform server; and

the payment platform server is also configured to;

receive the encrypted payment information sent from the mobile terminal; and

decrypt the encrypted payment information and perform the payment operation.

18. The system according to claim 13, wherein:

the user identifier stored in the portable terminal includes a user identifier that changes periodically.