CN101964091A - System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone - Google Patents
System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone Download PDFInfo
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- CN101964091A CN101964091A CN2009101090339A CN200910109033A CN101964091A CN 101964091 A CN101964091 A CN 101964091A CN 2009101090339 A CN2009101090339 A CN 2009101090339A CN 200910109033 A CN200910109033 A CN 200910109033A CN 101964091 A CN101964091 A CN 101964091A
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Abstract
The invention provides a system and a method for realizing a micro-payment through China Union Pay by adding a contactless smart card to a mobile phone. The system comprises a China Union Pay mobile phone payment center (1), 3G repayment terminals (2) arranged in each shop, and a mobile phone (3) and a smart card (4) of each subscriber, wherein a 3G mobile phone is arranged in the 3G repayment terminal; and the China Union Pay mobile phone payment center (1) is provided with the payment account of each subscriber. The method comprises the following steps: authenticating the identity of a subscriber before payment; and authenticating a transaction at the time of the payment, wherein the step for authenticating the identity of the subscriber is particularly carried out by using the number of an incoming call called by the mobile phone (3) of the subscriber to the 3G payment terminal (2) equipped with a 3G mobile phone; the step for authenticating the transaction is carried out by reading the number of the smart card (4) of the user by the 3G payment terminal (2); and then, the payment amount is transferred from the payment account of the subscriber to the account of an acquiring bank (6) of the shop by the China Union Pay mobile phone payment center (1).
Description
[technical field]
The present invention relates to payment technical field, particularly relate to little amount of money payment system of Unionpay and method that a kind of mobile phone adds the non-contact type smart card.
[background technology]
Because the development of fast development, the especially mobile phone technique of computer technology and mechanics of communication and popularizing, in considerable area, mobile phone has been popularized becomes one of necessity that people carry.Because when mobile phone inserts mobile telephone network, to carry out identity to the SIM card in the mobile phone by tight program and differentiate authentication, mobile phone could insert mobile telephone network behind the authentication success, if someone has duplicated the mobile phone of SIM card fake user, as long as mobile telephone network finds to have the mobile phone while access network of two common identity, will immediately this SIM cards of mobile phones be piped off, no longer allow the mobile phone that is inserted with this SIM card insert, make the personator cannot succeed, so the authentication of mobile phone is very safe, the present invention utilizes this security feature of mobile phone, with the instrument of mobile phone as when payment authenticated identity, replaces bank card to consume payment with mobile phone.
[summary of the invention]
The Unionpay's little amount of money payment system and the method that provide a kind of mobile phone to add the non-contact type smart card is provided purpose of the present invention, and the instrument of authenticated identity during as payment is realized replacing payment of bank card to use with mobile phone with mobile phone.
The object of the present invention is achieved like this, the little amount of money payment system of Unionpay that adopts a kind of like this mobile phone to add the non-contact type smart card, it is characterized in that, described system includes Unionpay cellphones paying centre (1), is arranged at the 3G cash receiving terminal (2) in each shop, each user's mobile phone (3) and smart card (4)
Wherein,
Be provided with a 3G mobile in described each 3G cash receiving terminal (2), the telephone number of described 3G mobile is exactly the gathering telephone number of this 3G cash receiving terminal (2), and 3G cash receiving terminal (2) also is provided with the reader device that is used to read smart card (4) card number;
Described Unionpay cellphones paying centre (1) records the gathering telephone number, each shop of each 3G cash receiving terminal (2) each Bank Account Number in merchant bank (6), and Unionpay cellphones paying centre (1) bundlees the gathering telephone number of each 3G cash receiving terminal (2) in shop mutually with the Bank Account Number of this shop in merchant bank (6); Unionpay cellphones paying centre (1) also is provided with each user's who is used for little amount of money payment disbursement account, each disbursement account is provided with a unique confirmation code, this confirmation code is exactly user's smart card (a 4) card number, and Unionpay cellphones paying centre (1) bundlees user's disbursement account at the bank card account number of issuing bank (7) mutually with this user's mobile phone (3) telephone number and this user;
Described mobile phone (3) is used for the identity of authenticated and initiates delivery operation;
Described smart card (4) is used for authenticating transactions;
And,
Before the payment, the user initiates delivery operation by the gathering telephone number that mobile phone (3) is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop, just put through behind the phone hanging wire immediately, 3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, find user's mobile phone (3) telephone number from caller ID, 3G cash receiving terminal (2) adopts the caller ID of this calling as the identity of initiating the disburser, mobile phone (3) telephone number that to initiate the disburser then is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5), and Unionpay cellphones paying centre (1) passes the surplus and the confirmation code of this user's the pairing disbursement account of mobile phone (3) telephone number the temporary transient storage of back this 3G cash receiving terminal (2) by mobile telephone network (5);
During payment, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this transaction, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2) then, by Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the bank account of merchant bank (6).
For realizing purpose of the present invention, the little amount of money method of payment of Unionpay that also adopts a kind of like this mobile phone to add the non-contact type smart card, it is characterized in that, the step of authenticated identity reached the step of authenticating transactions when payment before described method was included in and pays, wherein, the step of described authenticated identity is a gathering telephone number that the mobile phone (3) the user is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop when initiating delivery operation, adopts the caller ID of this calling to come the identity of authenticated; The step of described authenticating transactions is to adopt 3G cash receiving terminal (2) user's that reads in shop smart card (4) card number to come authenticating transactions; And, after confirming that card is easily, Unionpay cellphones paying centre (1) from the money of user's the disbursement account payment by the transfer of account amount of money to this shop in the bank account of merchant bank (6).
So just realized purpose of the present invention.
Little amount of money payment system of Unionpay and method that mobile phone of the present invention adds the non-contact type smart card adopt the identity of mobile phone access mobile telephone network to come the identity of authenticated and come authenticating transactions by smart card (4) respectively, and after success identity user's identity and transaction, just carry out payment by the transfer of account, so it is reliable to be perfectly safe.In addition, described smart card (4) more can adopt second generation resident identification card, because most people have applied to get second generation resident identification card, so can save cost from smart card (4) to the user that issue.
[description of drawings]
Fig. 1 is the structural representation key diagram that mobile phone of the present invention adds the little amount of money payment system of Unionpay of non-contact type smart card;
Fig. 2 is the little amount of money payment step schematic illustration of the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card;
Fig. 3 be the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card supplement the step schematic illustration with money;
Fig. 4 is that another of the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card supplemented the step schematic illustration with money;
Fig. 5 is a large sum of money payment step schematic illustration that mobile phone of the present invention adds the little amount of money method of payment of Unionpay of non-contact type smart card.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the straight line of band numeral and arrow.Accompanying drawing is schematically, in order to the principal character of system and method for the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram that mobile phone of the present invention adds the little amount of money payment system of Unionpay of non-contact type smart card, system shown in Fig. 1 includes Unionpay cellphones paying centre (1), is arranged at the 3G cash receiving terminal (2) in each shop, each user's mobile phone (3) and smart card (4), wherein, be provided with a 3G mobile in described each 3G cash receiving terminal (2), the telephone number of described 3G mobile is exactly the gathering telephone number of this 3G cash receiving terminal (2), and 3G cash receiving terminal (2) also is provided with the reader device that is used to read smart card (4) card number; Described Unionpay cellphones paying centre (1) records the gathering telephone number, each shop of each 3G cash receiving terminal (2) each Bank Account Number in merchant bank (6), and Unionpay cellphones paying centre (1) bundlees the gathering telephone number of each 3G cash receiving terminal (2) in shop mutually with the Bank Account Number of this shop in merchant bank (6); Unionpay cellphones paying centre (1) also is provided with each user's who is used for little amount of money payment disbursement account, each disbursement account is provided with a unique confirmation code, this confirmation code is exactly user's smart card (a 4) card number, and Unionpay cellphones paying centre (1) bundlees user's disbursement account at the bank card account number of issuing bank (7) mutually with this user's mobile phone (3) telephone number and this user; Described mobile phone (3) is used for the identity of authenticated and initiates delivery operation; Described smart card (4) is used for authenticating transactions; And, before the payment, the user initiates delivery operation by the gathering telephone number that mobile phone (3) is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop, just put through behind the phone hanging wire immediately, 3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, find user's mobile phone (3) telephone number from caller ID, 3G cash receiving terminal (2) adopts the caller ID of this calling as the identity of initiating the disburser, mobile phone (3) telephone number that to initiate the disburser then is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5), and Unionpay cellphones paying centre (1) passes the surplus and the confirmation code of this user's the pairing disbursement account of mobile phone (3) telephone number the temporary transient storage of back this 3G cash receiving terminal (2) by mobile telephone network (5); During payment, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this transaction, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2) then, by Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the bank account of merchant bank (6).
Aspect being provided with, described Unionpay cellphones paying centre (1) is by mobile telephone network (5) and each 3G cash receiving terminal (2) data communication mutually, and Unionpay cellphones paying centre (1) records the gathering telephone number, each shop of each 3G cash receiving terminal (2) each Bank Account Number in merchant bank (6).Unionpay cellphones paying centre (1) also is provided with the interactive voice answering device and is used for each user's of little amount of money payment disbursement account, and each disbursement account is provided with a unique confirmation code, and this confirmation code is exactly user's smart card (a 4) card number.In this manual, mobile telephone network (5) comprises the network of being made up of the telephone network of the various standards of fixed telephone network and/or gsm mobile telephone network and/or CDMA mobile telephone network and/or 3G mobile telephone network and so on.
Aspect the shop, 3G cash receiving terminal (2) will be established in the shop, be provided with a 3G mobile in each 3G cash receiving terminal (2), the telephone number of this 3G mobile is exactly the gathering telephone number of 3G cash receiving terminal (2), it also is the identification of 3G cash receiving terminal (2), the gathering telephone number of each 3G cash receiving terminal (2) and this shop Bank Account Number in merchant bank (6) will be registered in Unionpay cellphones paying centre (1) simultaneously in the shop, bundle mutually at the Bank Account Number of merchant bank (6) by Unionpay cellphones paying centre (1) gathering telephone number and this shop 3G cash receiving terminal (2), later on by the transaction of paying of those 3G cash receiving terminals (2), the fund of being received can deposit the bank account of this shop in merchant bank (6) in.
At customer-side, the user will offer a disbursement account in Unionpay cellphones paying centre (1), and registered user's mobile phone (3) telephone number, smart card (4) card number, the user is at the bank card account number of issuing bank (7), disbursement account is bundled at the bank card account number of issuing bank (7) mutually with user's mobile phone (3) telephone number and user, user's smart card (4) card number is exactly the confirmation code of user's disbursement account, because smart card (4) card number is unique, so confirmation code also is unique in Unionpay cellphones paying centre (1), the confirmation code that this is unique is received in Unionpay cellphones paying centre (1), just can know and send, thereby can find out corresponding disbursement account by the user.
Add in the little amount of money payment system of Unionpay and method of non-contact type smart card at mobile phone of the present invention, described smart card (4) is a second generation resident identification card, or Bus Card card, or the Hongkong Octopus Card card, or the intelligent wireless IC-card, they all are the non-contact type smart cards, the card number of these non-contact type smart cards, usually all be unique, the present invention utilizes this card number unique trait, with the information of card number as authenticating transactions.In addition, described bank card account is the bank card account of user in issuing bank (7), can be the account of credit card account or debit card account or ATM card account or credit card account or bank account or the like.
Continue to consult Fig. 1, mobile phone shown in Fig. 1 adds in the little amount of money payment system of Unionpay of non-contact type smart card, the step of authenticated identity reached the step of authenticating transactions when payment before the method for payment that is adopted was included in and pays, wherein, the step of described authenticated identity is a gathering telephone number that the mobile phone (3) the user is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop when initiating delivery operation, adopts the caller ID of this calling to come the identity of authenticated; The step of described authenticating transactions is to adopt 3G cash receiving terminal (2) user's that reads in shop smart card (4) card number to come authenticating transactions; And, after confirming that card is easily, Unionpay cellphones paying centre (1) from the money of user's the disbursement account payment by the transfer of account amount of money to this shop in the bank account of merchant bank (6).
Consult Fig. 2, Fig. 2 is the little amount of money payment step schematic illustration of the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card, the following A that comprises shown in Fig. 2 organizes step, is the user carries out little amount of money payment in the shop step, and concrete A group step is as follows:
A1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that A2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
A3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information temporary transient storage one period fixed time (for example the fixed time is 5 minutes) by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When A4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this this transaction, print the transaction receipt then and give the user, transaction is finished;
A5.3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
A6. Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code correspondence transfer accounts the money of this payment to the shop of the 3G cash receiving terminal (2) of this gathering telephone number in the account of merchant bank (6).
Continue to consult Fig. 2, in the embodiment of Fig. 2, the surplus of user's disbursement account and confirmation code are to be sent to 3G cash receiving terminal (2) the user in advance before 3G cash receiving terminal (2) is paid, make 3G cash receiving terminal (2) can when payment, check confirmation code and surplus immediately voluntarily, need not as payment system, need the wait paying centre to pass the result who checks payment back, can accelerate the user carries out little amount of money payment in the shop speed like this.
Consult Fig. 3, Fig. 3 be the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card supplement the step schematic illustration with money, in the present embodiment, Unionpay cellphones paying centre (1) also is provided with one and supplements telephone number with money, Unionpay cellphones paying centre (1) receive the mobile phone (3) from the user send a telegraph calling this when supplementing telephone number with money, just know that customer requirements supplements with money.Continue to consult Fig. 3, the following B that comprises shown in Fig. 3 organizes step, is that the user initiatively passes through the step that mobile phone (3) is supplemented disbursement account with money, and concrete B group step is as follows:
B1. the user uses mobile phone (3) to send a telegraph and calls out the telephone number of supplementing with money of Unionpay cellphones paying centre (1), just puts through behind the phone hanging wire immediately;
B2. Unionpay cellphones paying centre (1) receives this incoming call, know that from the called telephone number of supplementing with money the user will supplement with money, find user's mobile phone (3) telephone number from the caller ID of this calling, find out user's disbursement account and user bank card account number in issuing bank (7) from user's mobile phone (3) telephone number;
Calling party's mobile phone (3) is sent a telegraph in Unionpay cellphones paying centre (1);
User's mobile phone (3) is received incoming call, and the user sees it being the incoming call of Unionpay cellphones paying centre (1) from caller ID, and Unionpay cellphones paying centre (1) asks the user to import bank card password and recharge amount with computer verbal announcement user behind the incoming call answering;
B3. the user imports bank card password and recharge amount at mobile phone (3), but then with regard to hanging wire;
B4. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer with the user at the bank card account number of issuing bank (7) and bank card password and recharge amount and user's disbursement account number;
B5. issuing bank (7) check bank card account number and recharge amount and bank card password errorless after, to the disbursement account of user, notify Unionpay cellphones paying centre (1) to transfer accounts successfully from the money of this bank card account account transfer recharge amount then in Unionpay cellphones paying centre (1);
B6. after Unionpay cellphones paying centre (1) receives that account transfer is successfully notified, send short messages and notify the up-to-date surplus of user's successful recharging and this disbursement account to user's mobile phone (3).
Consult Fig. 4, Fig. 4 is that another of the mobile phone of the present invention little amount of money method of payment of Unionpay that adds the non-contact type smart card supplemented the step schematic illustration with money, the following C that comprises shown in Fig. 4 organizes step, be that the user carries out little amount of money payment in the shop, when the disbursement account surplus is not enough, disbursement account is carried out charging steps, and concrete C group step is as follows:
C1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that C2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
C3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information temporary transient storage one period fixed time (for example the fixed time is 5 minutes) by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When C4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code errorless after, find that surplus is not enough to pay this payment, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) request payment with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
C5. Unionpay cellphones paying centre (1) finds out user's disbursement account and user's mobile phone (3) telephone number and the user bank card account number in issuing bank (7) from this confirmation code, know user's disbursement account surplus deficiency from this payment, find out the Bank Account Number of the shop of this 3G cash receiving terminal (2) in merchant bank (6) from this gathering telephone number; Calling party's mobile phone (3) telephone number is sent a telegraph in Unionpay cellphones paying centre (1) by mobile telephone network (5);
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (3), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) and is used computer verbal announcement user by the interactive voice answering device, asks the user to import bank card password and recharge amount;
C6. user's agreement is just supplemented with money and is imported bank card password and recharge amount at mobile phone (3), but then with regard to hanging wire;
C7. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer with the user at the bank card account number of issuing bank (7) and bank card password and recharge amount and user's disbursement account number;
C8. issuing bank (7) check bank card account number and recharge amount and bank card password errorless after, to the disbursement account of user, notify Unionpay cellphones paying centre (1) to transfer accounts successfully from the money of this bank card account account transfer recharge amount then in Unionpay cellphones paying centre (1);
C9. Unionpay cellphones paying centre (1) from this disbursement account transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the account of merchant bank (6);
C10. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) is paid successfully, prints the transaction receipt by 3G cash receiving terminal (2) and gives the user, and transaction is finished;
C11. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified the user successful recharging.
Consult Fig. 5, Fig. 5 is a large sum of money payment step schematic illustration that mobile phone of the present invention adds the little amount of money method of payment of Unionpay of non-contact type smart card, the following D that comprises shown in Fig. 5 organizes step, is the user carries out a large sum of money payment in the shop step, and concrete D group step is as follows:
D1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that D2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
D3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information temporary transient storage one period fixed time (for example the fixed time is 5 minutes) by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When D4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code errorless after, find that surplus is not enough to pay this payment, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) request payment with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
D5. Unionpay cellphones paying centre (1) finds out user's disbursement account and user's mobile phone (3) telephone number and the user bank card account number in issuing bank (7) from this confirmation code, know it is a large sum of money payment from this payment, find out the Bank Account Number of the shop of this 3G cash receiving terminal (2) in merchant bank (6) from this gathering telephone number;
Calling party's mobile phone (3) telephone number is sent a telegraph in Unionpay cellphones paying centre (1) by mobile telephone network (5);
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (3), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) by the payment of interactive voice answering device with this a large sum of money of computer verbal announcement user, asks the user to import bank card password and confirms;
D6. the user agrees payment just in the affirmation of mobile phone (3) input bank card password, but then with regard to hanging wire;
D7. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer at the bank card account number of issuing bank (7) and the shop of bank card password and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6) with the user;
D8. issuing bank (7) check bank card account number and payment and bank card password errorless after, from the money of this bank card account payment by the transfer of account amount of money to the shop the account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
D9. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
D10. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success.
In each embodiment of this instructions, when user mobile phone (3) is sent a telegraph the gathering telephone number of exhaling the 3G cash receiving terminal (2) of supplementing telephone number or shop with money, except can adopt make a call by dial mode, also can adopt the mode of sending short messages to replace dialing to realize making a call.No matter adopting dial mode or send short messages and initiate delivery operation, all can realize purpose of the present invention well, all is to belong to protection scope of the present invention.
Below described feature of the present invention in detail, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Mobile phone of the present invention adds the little amount of money payment system of Unionpay and the method for non-contact type smart card, can do little amount of money payment and a large sum of money payment by mobile phone, little amount of money payment is directly collected money in user's disbursement account, and a large sum of money payment is just collected money from user's bank card account account transfer, safe and reliable, convenient and swift.Enforcement of the present invention can bring good economic benefit, to client with to shop benifit very all.
Claims (7)
1. the little amount of money payment system of Unionpay that mobile phone adds the non-contact type smart card is characterized in that, described system includes Unionpay cellphones paying centre (1), is arranged at the 3G cash receiving terminal (2) in each shop, each user's mobile phone (3) and smart card (4),
Wherein,
Be provided with a 3G mobile in described each 3G cash receiving terminal (2), the telephone number of described 3G mobile is exactly the gathering telephone number of this 3G cash receiving terminal (2), and 3G cash receiving terminal (2) also is provided with the reader device that is used to read smart card (4) card number;
Described Unionpay cellphones paying centre (1) records the gathering telephone number, each shop of each 3G cash receiving terminal (2) each Bank Account Number in merchant bank (6), and Unionpay cellphones paying centre (1) bundlees the gathering telephone number of each 3G cash receiving terminal (2) in shop mutually with the Bank Account Number of this shop in merchant bank (6); Unionpay cellphones paying centre (1) also is provided with each user's who is used for little amount of money payment disbursement account, each disbursement account is provided with a unique confirmation code, this confirmation code is exactly user's smart card (a 4) card number, and Unionpay cellphones paying centre (1) bundlees user's disbursement account at the bank card account number of issuing bank (7) mutually with this user's mobile phone (3) telephone number and this user;
Described mobile phone (3) is used for the identity of authenticated and initiates delivery operation;
Described smart card (4) is used for authenticating transactions;
And,
Before the payment, the user initiates delivery operation by the gathering telephone number that mobile phone (3) is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop, just put through behind the phone hanging wire immediately, 3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, find user's mobile phone (3) telephone number from caller ID, 3G cash receiving terminal (2) adopts the caller ID of this calling as the identity of initiating the disburser, mobile phone (3) telephone number that to initiate the disburser then is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5), and Unionpay cellphones paying centre (1) passes the surplus and the confirmation code of this user's the pairing disbursement account of mobile phone (3) telephone number the temporary transient storage of back this 3G cash receiving terminal (2) by mobile telephone network (5);
During payment, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this transaction, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2) then, by Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the bank account of merchant bank (6).
2. the little amount of money payment system of the Unionpay that mobile phone as claimed in claim 1 adds the non-contact type smart card is characterized in that described smart card (4) is a second generation resident identification card, or the Bus Card card, or the Hongkong Octopus Card card, or the intelligent wireless IC-card.
3. little amount of money method of payment of Unionpay that mobile phone adds the non-contact type smart card, adopt as each described system of claim 1 to 2, it is characterized in that, the step of authenticated identity reached the step of authenticating transactions when payment before described method was included in and pays, wherein, the step of described authenticated identity is a gathering telephone number that the mobile phone (3) the user is sent a telegraph the 3G cash receiving terminal (2) of calling out the shop when initiating delivery operation, adopts the caller ID of this calling to come the identity of authenticated; The step of described authenticating transactions is to adopt 3G cash receiving terminal (2) user's that reads in shop smart card (4) card number to come authenticating transactions; And, after confirming that card is easily, Unionpay cellphones paying centre (1) from the money of user's the disbursement account payment by the transfer of account amount of money to this shop in the bank account of merchant bank (6).
4. the little amount of money method of payment of the Unionpay that mobile phone as claimed in claim 3 adds the non-contact type smart card is characterized in that, described method also comprises following A group step, is the user carries out little amount of money payment in the shop step, and concrete A group step is as follows:
A1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that A2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
A3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information one period fixed time of temporary transient storage by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When A4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this this transaction, print the transaction receipt then and give the user, transaction is finished;
A5.3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
A6. Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code correspondence transfer accounts the money of this payment to the shop of the 3G cash receiving terminal (2) of this gathering telephone number in the account of merchant bank (6).
5. the little amount of money method of payment of the Unionpay that mobile phone as claimed in claim 3 adds the non-contact type smart card, it is characterized in that, described method also comprises following B group step, is that the user initiatively passes through the step that mobile phone (3) is supplemented disbursement account with money, and concrete B group step is as follows:
B1. the user uses mobile phone (3) to send a telegraph and calls out the telephone number of supplementing with money of Unionpay cellphones paying centre (1), just puts through behind the phone hanging wire immediately;
B2. Unionpay cellphones paying centre (1) receives this incoming call, know that from the called telephone number of supplementing with money the user will supplement with money, find user's mobile phone (3) telephone number from the caller ID of this calling, find out user's disbursement account and user bank card account number in issuing bank (7) from user's mobile phone (3) telephone number;
Calling party's mobile phone (3) is sent a telegraph in Unionpay cellphones paying centre (1);
User's mobile phone (3) is received incoming call, and the user sees it being the incoming call of Unionpay cellphones paying centre (1) from caller ID, and Unionpay cellphones paying centre (1) asks the user to import bank card password and recharge amount with computer verbal announcement user behind the incoming call answering;
B3. the user imports bank card password and recharge amount at mobile phone (3), but then with regard to hanging wire;
B4. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer with the user at the bank card account number of issuing bank (7) and bank card password and recharge amount and user's disbursement account number;
B5. issuing bank (7) check bank card account number and recharge amount and bank card password errorless after, to the disbursement account of user, notify Unionpay cellphones paying centre (1) to transfer accounts successfully from the money of this bank card account account transfer recharge amount then in Unionpay cellphones paying centre (1);
B6. after Unionpay cellphones paying centre (1) receives that account transfer is successfully notified, send short messages and notify the up-to-date surplus of user's successful recharging and this disbursement account to user's mobile phone (3).
6. the little amount of money method of payment of the Unionpay that mobile phone as claimed in claim 3 adds the non-contact type smart card, it is characterized in that, described method also comprises following C group step, be that the user carries out little amount of money payment in the shop, when the disbursement account surplus is not enough, disbursement account is carried out charging steps, and concrete C group step is as follows:
C1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that C2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
C3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information one period fixed time of temporary transient storage by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When C4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code errorless after, find that surplus is not enough to pay this payment, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) request payment with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
C5. Unionpay cellphones paying centre (1) finds out user's disbursement account and user's mobile phone (3) telephone number and the user bank card account number in issuing bank (7) from this confirmation code, know user's disbursement account surplus deficiency from this payment, find out the Bank Account Number of the shop of this 3G cash receiving terminal (2) in merchant bank (6) from this gathering telephone number; Calling party's mobile phone (3) telephone number is sent a telegraph in Unionpay cellphones paying centre (1) by mobile telephone network (5);
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (3), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) and is used computer verbal announcement user by the interactive voice answering device, asks the user to import bank card password and recharge amount;
C6. user's agreement is just supplemented with money and is imported bank card password and recharge amount at mobile phone (3), but then with regard to hanging wire;
C7. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer with the user at the bank card account number of issuing bank (7) and bank card password and recharge amount and user's disbursement account number;
C8. issuing bank (7) check bank card account number and recharge amount and bank card password errorless after, to the disbursement account of user, notify Unionpay cellphones paying centre (1) to transfer accounts successfully from the money of this bank card account account transfer recharge amount then in Unionpay cellphones paying centre (1);
C9. Unionpay cellphones paying centre (1) from this disbursement account transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the account of merchant bank (6);
C10. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) is paid successfully, prints the transaction receipt by 3G cash receiving terminal (2) and gives the user, and transaction is finished;
C11. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified the user successful recharging.
7. the little amount of money method of payment of the Unionpay that mobile phone as claimed in claim 3 adds the non-contact type smart card is characterized in that, described method also comprises following D group step, is the user carries out a large sum of money payment in the shop step, and concrete D group step is as follows:
D1. before the payment, the user uses mobile phone (3) to send a telegraph to call out the gathering telephone number of the 3G cash receiving terminal (2) in shop, just puts through behind the phone hanging wire immediately;
3G cash receiving terminal (2) receives this incoming call by the interior 3G mobile of establishing, and finds user's mobile phone (3) telephone number, 3G cash receiving terminal (2) to adopt the caller ID of this calling as the identity of initiating the disburser from caller ID;
Mobile phone (3) telephone number that D2.3G cash receiving terminal (2) will be initiated the disburser is sent to Unionpay cellphones paying centre (1) by mobile telephone network (5);
D3. Unionpay cellphones paying centre (1) finds out user's disbursement account from mobile phone (3) telephone number of this initiation payment, to wait for that then payment information sends back this 3G cash receiving terminal (2) by mobile telephone network (5), should wait for payment information one period fixed time of temporary transient storage by this 3G cash receiving terminal (2), at the appointed time should wait for later the payment information deletion automatically, described wait payment information comprises the surplus and the confirmation code of disbursement account;
When D4. paying, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into smart card (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code errorless after, find that surplus is not enough to pay this payment, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) request payment with this payment and this confirmation code together with the gathering telephone number of 3G cash receiving terminal (2);
D5. Unionpay cellphones paying centre (1) finds out user's disbursement account and user's mobile phone (3) telephone number and the user bank card account number in issuing bank (7) from this confirmation code, know it is a large sum of money payment from this payment, find out the Bank Account Number of the shop of this 3G cash receiving terminal (2) in merchant bank (6) from this gathering telephone number;
Calling party's mobile phone (3) telephone number is sent a telegraph in Unionpay cellphones paying centre (1) by mobile telephone network (5);
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (3), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) by the payment of interactive voice answering device with this a large sum of money of computer verbal announcement user, asks the user to import bank card password and confirms;
D6. the user agrees payment just in the affirmation of mobile phone (3) input bank card password, but then with regard to hanging wire;
D7. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer at the bank card account number of issuing bank (7) and the shop of bank card password and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6) with the user;
D8. issuing bank (7) check bank card account number and payment and bank card password errorless after, from the money of this bank card account payment by the transfer of account amount of money to the shop the account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
D9. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
D10. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101090339A CN101964091A (en) | 2009-07-24 | 2009-07-24 | System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101090339A CN101964091A (en) | 2009-07-24 | 2009-07-24 | System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone |
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| Publication Number | Publication Date |
|---|---|
| CN101964091A true CN101964091A (en) | 2011-02-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101090339A Pending CN101964091A (en) | 2009-07-24 | 2009-07-24 | System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102184593A (en) * | 2011-02-25 | 2011-09-14 | 惠州Tcl移动通信有限公司 | One-card system based on mobile communication terminal |
| CN102693480A (en) * | 2012-05-11 | 2012-09-26 | 福建联迪商用设备有限公司 | Mobile terminal with read card function and mobile terminal payment method |
| WO2014032206A1 (en) * | 2012-08-30 | 2014-03-06 | Wong Kamfu | Quick payment system and corresponding method |
| CN106251127A (en) * | 2016-08-01 | 2016-12-21 | 西宁高通交通科技有限公司 | The online recharge method of a kind of smart card and equipment |
-
2009
- 2009-07-24 CN CN2009101090339A patent/CN101964091A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102184593A (en) * | 2011-02-25 | 2011-09-14 | 惠州Tcl移动通信有限公司 | One-card system based on mobile communication terminal |
| CN102693480A (en) * | 2012-05-11 | 2012-09-26 | 福建联迪商用设备有限公司 | Mobile terminal with read card function and mobile terminal payment method |
| CN102693480B (en) * | 2012-05-11 | 2015-06-17 | 福建联迪商用设备有限公司 | Mobile terminal with read card function and mobile terminal payment method |
| WO2014032206A1 (en) * | 2012-08-30 | 2014-03-06 | Wong Kamfu | Quick payment system and corresponding method |
| CN104541311A (en) * | 2012-08-30 | 2015-04-22 | 黄金富 | Quick payment system and corresponding method |
| CN106251127A (en) * | 2016-08-01 | 2016-12-21 | 西宁高通交通科技有限公司 | The online recharge method of a kind of smart card and equipment |
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Address after: The International Chamber of Commerce building, No. 2 Beijing 100035 Xicheng District huapichang alley 16 Applicant after: Huang Jinfu Address before: 100032, Beijing, Financial Street, Xicheng District No. 27 investment Plaza, block B, 19 Applicant before: Huang Jinfu |
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Application publication date: 20110202 |