CN101179757A - Method and system for nominal fee mobile paying using short message - Google Patents
Method and system for nominal fee mobile paying using short message Download PDFInfo
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- CN101179757A CN101179757A CNA2007100775556A CN200710077555A CN101179757A CN 101179757 A CN101179757 A CN 101179757A CN A2007100775556 A CNA2007100775556 A CN A2007100775556A CN 200710077555 A CN200710077555 A CN 200710077555A CN 101179757 A CN101179757 A CN 101179757A
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Abstract
The invention discloses a method and system for using short messages for mobile payment in small amount, which is applied in the filed of mobile communication short message application popularization. The method comprises the following steps: the user sending a paying request to the mobile charging terminal via the mobile terminal and the mobile charging terminal sending back a paying response; the mobile charging terminal automatically generating a mobile payment application message according to the paying response and sending to the short message center the mobile payment application message; the short message center sending a mobile payment result message to the mobile charging terminal after analyzing and treatment of the received mobile payment application message; the mobile charging terminal sending to the mobile terminal a paying confirmation message according to the mobile payment result message. The technical scheme in the invention briefly adds a mobile payment process module to the mobile terminal and the message center by using the ultra-short communication capacity of mobile phones, to realize mobile payment in small amount, which is convenient for people to travel and can save the operation cost of service departments.
Description
Technical field
The present invention relates to mobile communication SMS application extension field, relate in particular to a kind of method and system thereof that utilizes short message to carry out nominal fee mobile paying.
Background technology
People's trip will (comprise bus, taxi, subway etc.) by bus, will buy tickets by bus; The public place (scenic spot, museum etc.) of going on a journey is simultaneously visited also and will be bought admission ticket.Various ticket and admission ticket etc. all are nominal fees, and the existing means of payment has following several: the one, directly pay down, and change is the biggest problem of this mode, and change will be prepared by user and service department, and service department and bank will handle change or the like; The 2nd, with card (comprising various bank cards and prepaid card etc.) payment, the weak point of this mode is: will carry various Payment Cards when people go out, and card handle, supplement with money, report the loss etc. also very inconvenient.
Along with the development of mobile communication technology, mobile phone becomes the necessity of people's life, and almost staff is one one.Mobile phone not only has the speech communication function now, and supports data communication, such as short message, multimedia message, wireless Internet access or the like.Mobile phone has also increased various miscellaneous functions, such as digital photographing, handwriting recognition, notepad, bluetooth, infrared ray or the like, particularly the introducing of technology such as bluetooth and infrared ray makes mobile mobile phone possess the very-short-reach ability to communicate, these miscellaneous functions of mobile phone and its data communication facility combine, will produce huge potential, for people's life brings bigger convenience and service.
Summary of the invention
The object of the present invention is to provide a kind of method of utilizing short message to carry out nominal fee mobile paying, this method can overcome the inconvenience that people bring because of nominal fees such as payment transportation expenses, admission tickets; For this reason, the present invention also provides a kind of system that utilizes short message to carry out nominal fee mobile paying.
In order to solve above-mentioned purpose, the technical scheme of the inventive method comprises the steps:
A, user send payment request by portable terminal to the mobile phone rate terminal, and described mobile phone rate terminal loopback paying response;
B, described portable terminal generate the mobile payment solicitation message automatically according to described paying response, and send this mobile payment application information to short message service center;
After the described mobile payment application information that C, described short message service center will receive is carried out dissection process, send the mobile payment object information to described mobile phone rate terminal;
D, described mobile phone rate terminal send payment affirmation message according to described mobile payment object information to described portable terminal.
Described method wherein, comprises following processing among the described step B:
Described portable terminal is kept at this mobile payment solicitation message on this portable terminal when sending the mobile payment solicitation message.
Described method, wherein, among the described step C, described mobile payment object information comprises mobile payment successful information or mobile payment failure information.
Described method, wherein, described dissection process comprises the steps:
C1, described short message service center by the short message payment platform, judge whether user account possesses ability to pay according to analysis result;
C2 is if then generate described mobile payment successful information.
Described method wherein, also comprises after the described step D:
E, described portable terminal are kept at the paying result on this portable terminal after receiving described payment affirmation message.
Described method, wherein, described mobile payment solicitation message, mobile payment object information and payment affirmation message all are that the mode with short message sends.
The present invention also provides a kind of system that utilizes short message to carry out nominal fee mobile paying, comprising:
Portable terminal is used to send mobile payment information;
Short message service center is used for according to the described mobile payment information output mobile payment object information that receives; And
The mobile phone rate terminal is used for sending payment affirmation information according to the mobile payment object information that receives to described portable terminal.
Described system, wherein, described portable terminal comprises that first moves the payment process module, is used to generate the mobile payment application information, and first bluetooth module or the first infrared module, is used for short distance and sends described mobile payment application information.
Described system, wherein, described short message service center is provided with one the 3rd and moves the payment process module, is used to resolve described mobile payment application information, and handles the mobile payment bill.
Described system, wherein, described mobile phone rate terminal comprises that second moves the payment process module, is used to resolve the mobile payment object information, and second bluetooth module or the second infrared module, is used for short distance and sends described mobile payment object information.
Adopt technical solution of the present invention, utilize the very-short-reach ability to communicate of mobile phone and the short message data communication function of mobile communcations system, increase mobile payment process module for portable terminal and short message service center simply, just can realize the mobile payment of nominal fees such as transportation expenses and admission ticket, make things convenient for people's trip, saved service department's operation cost; Simultaneously, formed the closed-loop process flow process of a reimbursement of expense on payment nominal fee handling process, the mobile payment solicitation message is sent by mobile phone, like this with regard to problems such as the leakage of having avoided user profile and the disputes of charging.
Description of drawings
Fig. 1 is a system configuration schematic diagram of the present invention;
Fig. 2 is that the inventive method utilizes short message to carry out the closed-loop process flow chart of nominal fee mobile paying.
Embodiment
Below in conjunction with accompanying drawing, preferred embodiment of the present invention is described in further detail.
As shown in Figure 1, the invention provides a kind of system that utilizes short message to carry out nominal fee mobile paying, comprise portable terminal, short message service center and mobile phone rate terminal; Wherein, the user is by described portable terminal, it in the present embodiment mobile phone, send payment request to described mobile phone rate terminal, and after the paying response of receiving described mobile phone rate terminal feedback, form with short message, send the mobile payment solicitation message to described short message service center, and carrying out reimbursement of expense by this short message service center according to the mobile payment solicitation message handles, and send the mobile payment object information to described mobile phone rate terminal, to mobile phone mail sending charge per message payment affirmation message, finish reimbursement of expense by this mobile phone rate terminal.
Yet in order to realize the mobile payment expense, the present invention must carry out corresponding technical to described mobile phone, short message service center and mobile payment terminal; Mobile phone must have first bluetooth module or first infrared module, is used to realize that the very-short-reach communication of mobile payment application information sends; Simultaneously, on this mobile phone, increase by one first and move the payment process module, described mobile phone first moves the payment process module and realizes exchanging due information with described mobile phone rate terminal by this, promptly generate mobile payment application short message automatically, and being sent to described mobile phone rate terminal automatically, the corresponding information that described mobile phone rate terminal is fed back is handled automatically simultaneously.
Wherein, described mobile phone rate terminal can simply be transformed by mobile phone and form, but requires to support simultaneously very-short-reach abilitys to communicate such as second bluetooth module or second infrared ray; Simultaneously, in this mobile phone rate terminal, establish one second and move the payment process module.Described second move the payment process module receive in the described portable terminal first move the payment request information that the payment process module sends after, handle this information automatically, and return the paying response message; In addition, described second moves the payment process module after the mobile payment results messages that receives the transmission of described short message service center, to this mobile payment as a result short message resolve message, and according to analysis result, show this mobile payment short message as a result, be that reimbursement of expense is success or failure, generate and send mobile payment cancellation short message simultaneously automatically to described portable terminal.
Wherein, establish one the 3rd and move the payment process module in described short message service center, this module is used to resolve mobile payment solicitation message and mobile payment cancellation message, and cooperates with existing short message payment platform, handles the mobile payment bill.
The invention provides a kind of method of utilizing short message to carry out nominal fee mobile paying, see also accompanying drawing 2, its realization flow comprises the steps:
210, the user sends payment request by portable terminal to the mobile phone rate terminal, after the mobile phone rate terminal receives payment request message, reply the paying response message to user's mobile phone, carry contents such as mobile phone rate termination number, charge classification, chargeable time, place and amount in the paying response message;
220, mobile phone is after receiving the paying response message, content according to the paying response message, automatically generate the mobile payment solicitation message, this message is to send with the short message form, and be that called number sends mobile payment application short message automatically with the mobile phone rate termination number, simultaneously this mobile payment solicitation message is kept on this portable terminal; Wherein, mobile payment application short message comprises following content: contents such as mobile payment application identification code, charge classification, chargeable time, place and amount;
230, after the described short message service center described mobile payment application information that will receive is carried out dissection process, send the mobile payment object information to described mobile phone rate terminal, and this mobile payment object information comprises mobile payment successful information or mobile payment failure information;
240, after mobile phone rate terminal receives the mobile payment results messages, at first resolve this message, and point out successfully or failure; Generate the paying acknowledge message then, carry payment result in the paying acknowledge message, and send to mobile phone.
Wherein, in the step 230, described dissection process comprises the steps:
231, described short message service center by the short message payment platform, judges whether user account possesses ability to pay according to analysis result;
232 if then generate a user charges bill, and generate described mobile payment successful information, otherwise generate the mobile payment failure information.
Wherein, comprise following processing in the step 240:
241, mobile phone rate terminal shows payment result, and sends the paying acknowledge message to mobile phone after receiving mobile payment result (success or failure) information, notifies the user with this mobile payment object information;
242, after mobile phone received the paying acknowledge message, the result preserved paying, and it is required to solve the paying dispute fully.
In sum, the present invention is in conjunction with the very-short-reach ability to communicate of cell phone and the short message data communication function of mobile communcations system, increase mobile payment process module for portable terminal and short message service center simply, just can realize the mobile payment of nominal fees such as transportation expenses and admission ticket, make things convenient for people's trip, saved service department's operation cost; Simultaneously, the inventive method is utilized short message, adopt closed-loop process nominal fee mobile paying flow process, and utilize financial sector to carry out regular clearing at mobile operator and service department, the mobile payment solicitation message is sent by user's mobile phone, avoided the other technologies scheme to require user profile is issued the mobile phone rate terminal, sent the mobile payment application, may cause problems such as the leakage of user profile and the dispute of charging like this by the mobile phone rate terminal.
Should be understood that, for those of ordinary skills, can be improved according to the above description or conversion, and all these improvement and conversion all should belong to the protection range of claims of the present invention.
Claims (10)
1. method of utilizing short message to carry out nominal fee mobile paying, it comprises the steps:
A, user send payment request by portable terminal to the mobile phone rate terminal, and described mobile phone rate terminal loopback paying response;
B, described portable terminal generate the mobile payment solicitation message automatically according to described paying response, and send this mobile payment application information to short message service center;
After the described mobile payment application information that C, described short message service center will receive is carried out dissection process, send the mobile payment object information to described mobile phone rate terminal;
D, described mobile phone rate terminal send payment affirmation message according to described mobile payment object information to described portable terminal.
2. method according to claim 1 is characterized in that, comprises following processing among the described step B:
Described portable terminal is kept at this mobile payment solicitation message on this portable terminal when sending the mobile payment solicitation message.
3. method according to claim 1 is characterized in that, among the described step C, described mobile payment object information comprises mobile payment successful information or mobile payment failure information.
4. method according to claim 3 is characterized in that described dissection process comprises the steps:
C1, described short message service center by the short message payment platform, judge whether user account possesses ability to pay according to analysis result;
C2 is if then generate described mobile payment successful information.
5. method according to claim 1 is characterized in that, also comprises after the described step D:
E, described portable terminal are kept at the paying result on this portable terminal after receiving described payment affirmation message.
6. according to the described method of the arbitrary claim of claim 1 to 5, it is characterized in that described mobile payment solicitation message, mobile payment object information and payment affirmation message all are that the mode with short message sends.
7. a system that utilizes short message to carry out nominal fee mobile paying is characterized in that, this system comprises:
Portable terminal is used to send mobile payment information;
Short message service center is used for according to the described mobile payment information that receives, output mobile payment object information; And
The mobile phone rate terminal is used for sending payment affirmation information according to the mobile payment object information that receives to described portable terminal.
8. system according to claim 7, it is characterized in that described portable terminal comprises that first moves the payment process module, is used to generate the mobile payment application information, and first bluetooth module or the first infrared module, be used for short distance and send described mobile payment application information.
9. system according to claim 7 is characterized in that, described short message service center is provided with one the 3rd and moves the payment process module, is used to resolve described mobile payment application information, and handles the mobile payment bill.
10. system according to claim 7, it is characterized in that described mobile phone rate terminal comprises that second moves the payment process module, is used to resolve the mobile payment object information, and second bluetooth module or the second infrared module, be used for short distance and send described mobile payment object information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100775556A CN101179757A (en) | 2007-11-26 | 2007-11-26 | Method and system for nominal fee mobile paying using short message |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100775556A CN101179757A (en) | 2007-11-26 | 2007-11-26 | Method and system for nominal fee mobile paying using short message |
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| CN101179757A true CN101179757A (en) | 2008-05-14 |
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| CNA2007100775556A Pending CN101179757A (en) | 2007-11-26 | 2007-11-26 | Method and system for nominal fee mobile paying using short message |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2012051819A1 (en) * | 2010-10-21 | 2012-04-26 | 中兴通讯股份有限公司 | Method and system for information interaction |
| CN101901519B (en) * | 2009-05-26 | 2012-11-07 | 北京易路联动技术有限公司 | Method and system for interacting instant information between mobile terminals |
| WO2015161647A1 (en) * | 2014-04-22 | 2015-10-29 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
-
2007
- 2007-11-26 CN CNA2007100775556A patent/CN101179757A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101901519B (en) * | 2009-05-26 | 2012-11-07 | 北京易路联动技术有限公司 | Method and system for interacting instant information between mobile terminals |
| WO2012051819A1 (en) * | 2010-10-21 | 2012-04-26 | 中兴通讯股份有限公司 | Method and system for information interaction |
| CN102457846A (en) * | 2010-10-21 | 2012-05-16 | 中兴通讯股份有限公司 | Method and system for information interaction |
| CN102457846B (en) * | 2010-10-21 | 2015-05-27 | 中兴通讯股份有限公司 | Method and system for information interaction |
| WO2015161647A1 (en) * | 2014-04-22 | 2015-10-29 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| US9836779B2 (en) | 2014-04-22 | 2017-12-05 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
| US10657582B2 (en) | 2014-04-22 | 2020-05-19 | Tencent Technology (Shenzhen) Company Limited | Method, user terminal, and service terminal for processing service data |
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Application publication date: 20080514 |