CN101976403A - Phone number payment platform, payment trading system and method thereof - Google Patents
Phone number payment platform, payment trading system and method thereof Download PDFInfo
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- CN101976403A CN101976403A CN2010105255494A CN201010525549A CN101976403A CN 101976403 A CN101976403 A CN 101976403A CN 2010105255494 A CN2010105255494 A CN 2010105255494A CN 201010525549 A CN201010525549 A CN 201010525549A CN 101976403 A CN101976403 A CN 101976403A
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Abstract
The invention relates to a phone number payment platform, a payment trading system and a method thereof. The invention comprises a POS machine terminal, a phone number payment platform and a background database, wherein the POS machine terminal is connected with the phone number payment platform by a fixed network; data in the phone number payment platform is stored in the background database, corresponding data is extracted from the background database according to requirement to carry out comparison and judgment; and the phone number payment platform is also connected with a payment service supplier by a unionpay special line. A payer inputs the phone number of a payee on the POS machine terminal and uses the phone number of the payee as a unique trading number, then the phone number payment platform can extract receiving bank card information bound with the phone number of the payee according to the payee registration information stored in the background database, inputs the paying bank card information, the bank card password, the receiving bank card information and the paying information to the payment service supplier and realizes the transfer from the paying bank to the receiving bank.
Description
Technical field
The present invention relates to a kind of network communicating system and method, be specifically related to a kind of cell-phone number payment platform, the payment transaction system that adopts this platform and method based on fixed network.
Background technology
At present; the POS machine has been widely used in bank card clearing field; for the commerce payment provides great convenience, consumer usually can use bank card bankcard consumption on the POS of businessman machine terminal, the POS machine is built up in the StoreFront of businessman by the bank of deposit of businessman usually.The consumer is after swiping the card on the POS machine, the bank of deposit of POS machine generally delivered to payment information earlier by the POS machine, it is beneficiary bank, by beneficiary bank payment information is forwarded to cardholding consumer bank through meta networks such as Unionpay more afterwards, it is paying party bank, after by paying party bank payment information being confirmed, confirmation is turned back to POS machine terminal by former road.Because common POS machine bankcard consumption can only carry out on the POS of businessman's appointment machine terminal, otherwise can't obtain information interaction accurately with beneficiary bank, there is very big limitation in this geographic position to businessman and consumer, thereby is not suitable for the strange land payment activity of the shopping online that develops rapidly.
In order to address this problem, to also have at present and a kind ofly carry out the technology of transaction payment, as the payment scheme based on note of China Mobile by portable terminal.The user needed to send note to specific mobile communication number when this technology was used, and in note information such as input shop numbering, goods number, password, though solved businessman and the consumer limitation on the geographic position, still had the not high defective of complicated operation and reliability.At first consumer wants sends note to specific mobile communication number, also will comprise above-mentioned payment information with the form of regulation in the note, operates very loaded down with trivial detailsly, and makes mistakes easily.Because the payment information of the manual input of user is made mistakes easily, and lacks bug check mechanism, being easy to influences normally carrying out of payment because of the information input error, and reliability is not high.
It is 200710178814.4 that the applicant has proposed application number, name is called the application for a patent for invention of " condition code paying method, payment platform and payment system ", use the disclosed condition code payment platform of this application for a patent for invention, the payer only need know that condition code just can pay the bill, can utilize various payment networks easily when therefore the payer pays the bill the implementation phase of payment, as the payment terminal network of bank or payment tissue, solved the problem of businessman and consumer's geographic position limitation to a certain extent.While is not in payment on the public network owing to the user but pays the bill on the special-purpose terminal in bank, therefore needn't import complicated authentication content, only need condition code of input and payment instruction can finish payment, avoided the information input error and influence normally carrying out of payment.
Because this condition code payment platform is the condition code by inside to be generated and processing unit has one of gathering information generation and gathering information the condition code of mapping relations, and according to payer's receiving equipment ID, send condition code by the condition code payment platform to the condition code receiving equipment, so the condition code payment platform all needs generating feature sign indicating number at random when each transaction, the Invoice Number when this condition code is transaction.Because condition code normally selects for use complicated transforming function transformation function to generate at random, so condition code does not have rule each other when generating, also need set the effective period of this condition code, and in effective period, might repeat to generate, when the transaction of two or more stroke counts in the platform is assigned to same Invoice Number, can cause very big confusion to transaction work in the system.
Summary of the invention
The present invention is directed to the deficiencies in the prior art, having proposed a kind ofly only need provide payee's cell-phone number in operating process, need not to provide information such as payee name, number of the account and Invoice Number, and public network and bank network have effectively been utilized, the payment transaction system of employing cell-phone number payment platform simple to operate, that reliability is high; The payment transaction method that this cell-phone number payment platform also is provided and has realized payment transaction.
Technical scheme of the present invention is as follows:
A kind of cell-phone number payment platform is characterized in that: payee's interface unit, background data base and payment interface unit are connected successively; Described payee's interface unit receives payee's log-on message, will store in the described log-on message input background data base; Described log-on message comprises payee's identity information, payee's cell-phone number and receiving bank's card information of binding with described payee's cell-phone number; Payee's cell-phone number according to payer input in the described background data base retrieves corresponding receiving bank's card information, and payee's identity information is returned to the payer confirms, receiving bank's card information is imported described payment interface unit after confirming successfully again; Described payment interface unit receives paying bank's card information, bank card password and the payment information of described payer's input, and described paying bank card information, bank card password, receiving bank's card information and payment information are transferred to the payment services provider.
Before described payee's interface unit payee's authentication unit is set, payee's legitimacy is verified.
Described identity information comprises payee's name.
The card information input payment services provider of paying bank that described payment interface unit is provided with payer's input verifies, when the bank under paying bank's card is not described payment services provider's signatory bank, receive the error message that described payment services provider returns by described payment interface unit, and described error message is shown in the POS machine terminal that communicates with.
Also comprise a communication unit that links to each other with payment interface unit, payer's receiving equipment and payee's receiving equipment, the payer is to this communication unit input payer's cell-phone number, when described payment services provider described paying bank is blocked successfully withhold after, described payment interface unit indicates described communication unit to send the information of the success of withholing to payer's receiving equipment; After described payment interface unit and payment services provider reconciliation are finished, described payment services provider dials in fund in receiving bank's card of payee's cell-phone number binding, and described communication unit sends the affirmation information of the cell-phone number that comprises the payer on payee's receiving equipment.
Described receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address.
Described payment services provider is the signatory bank of Unionpay, VISA or MASTER.
A kind of payment transaction system is characterized in that: comprises the cell-phone number payment platform, also comprises the POS machine terminal that is connected with described cell-phone number payment platform respectively, and the payment services provider who is connected with described cell-phone number payment platform; The payer imports the background data base of described cell-phone number payment platform by described POS machine terminal with payee's cell-phone number, with paying bank's card information, bank card password and payment information input payment interface unit; Described background data base extracts corresponding identity information according to described payee's cell-phone number and returns described payer by described POS machine terminal, after described payer confirmed described identity information, described background data base was imported described payment interface unit with receiving bank's card information of described payee's cell-phone number correspondence; Described payment interface unit is transferred to described payment services provider with described paying bank card information, whether described payment services provider is signatory bank according to the bank under the card information checking payer of the paying bank bank card, if then receive bank card password, receiving bank's card information and the payment information of the input of described payment interface unit, described payment services provider withholds to the payment bank card, and fund dialled in the receiving bank card, otherwise return error message to the payer by described POS machine terminal.
Described POS machine terminal connects described cell-phone number payment platform by fixed network.
Also comprise a cell-phone number verification unit, described payee's cell-phone number needs the described cell-phone number verification unit of input earlier before importing described background data base, described cell-phone number verification unit verifies whether described payee's cell-phone number meets China's Mainland cell-phone number distribution rule, as do not meet, then the described payer of prompting re-enters on described POS machine terminal, as meet, then described payee's cell-phone number is imported in the described background data base.
A kind of payment transaction method that adopts the cell-phone number payment platform may further comprise the steps:
1) payee registers by payee's interface unit in described cell-phone number payment platform by payee's interface unit, and log-on message is stored in the background data base; Described log-on message comprises payee's identity information, payee's cell-phone number and receiving bank's card information of binding with described payee's cell-phone number;
2) payer imports payee's cell-phone number, payment information by the POS terminal to described cell-phone number payment platform;
3) described payee's cell-phone number is imported described background data base, retrieval payee's log-on message in described background data base; Return payee's identity information to the payer by described POS terminal;
4) after the payer confirms payee's identity information, paying bank's card information and bank card password are imported payment interface unit in the described payment platform by the POS terminal; The receiving bank's card information with described payee's cell-phone number binding that stores in the described background data base is imported described payment interface unit; Described payment interface unit is committed to described payment services provider with paying bank's card information, bank card password, receiving bank's card information, payment information;
5) described payment services provider sticks into to go to described paying bank and withholds; After described payment interface unit and payment services provider reconciliation are finished, fund is dialled in the described receiving bank card; Whole process finishes.
Described step 2) in, described payee's cell-phone number needed by cell-phone number verification unit checking input format before entering described background data base by described POS machine terminal, if mistake then return and re-enter; Successful then enter next step.
In the described step 4), the memory contents among paying bank's card information and the described payment services provider is compared in described payment interface unit, and whether the affiliated bank of checking paying bank card is described payment services provider's signatory bank; If not, return Fail Transaction, and on the POS terminal, show Payment Failed and failure cause; If then paying bank's card information, bank card password, receiving bank's card information, payment information are committed to described payment services provider.
Technique effect of the present invention is as follows:
Payment transaction system based on the cell-phone number payment platform of the present invention comprises POS machine terminal, cell-phone number payment platform and background data base, wherein POS machine terminal connects the cell-phone number payment platform by fixed network, data in the cell-phone number payment platform deposit in the background data base, and from background data base, extract corresponding data as required and compare judgement, the cell-phone number payment platform is also by the private line access payment services provider of Unionpay.The payer imports payee's cell-phone number as unique transaction identification sign indicating number in POS machine terminal, the cell-phone number payment platform can be according to payee's log-on message of preserving in background data base, extract receiving bank's card information with the binding of payee's cell-phone number, and, realize snapping into transferring accounts of receiving bank's card by paying bank with paying bank's card information, bank card password, receiving bank's card information, payment information input payment services provider.In this process, the payer only needs in POS machine terminal input payee cell-phone number, payment information and bank card password, and brush is gone into paying bank's card, the cell-phone number payment platform calls receiver information according to payee's cell-phone number in background data base, payee's name is shown to the payer, the payer can confirm the payee, and then finishes course of payment.Because cell-phone number is unique in the scope of a country, thereby is fit to do payee's identification code; Cell-phone number belongs to one to the disclosed information of society simultaneously, and the coupling of payee's cell-phone number and payee's log-on message is carried out on the backstage of POS machine terminal, thereby send to other personal informations that the payer can not reveal the payee as identification code with cell-phone number, have very strong confidentiality.
Owing to use payee's cell-phone number to replace the gathering Invoice Number to conclude the business among the present invention as identification code, thereby in the cell-phone number payment platform, there has not been a generative process of Invoice Number, the payee is as long as register in the cell-phone number payment platform, payee's cell-phone number and receiving bank sticked into row bind and get final product.Registration process is simple and convenient, and cell-phone number is not easy to obscure and forget as identification code, need not the condition code generation unit is set again in the cell-phone number payment platform simultaneously, has saved the cost that the cell-phone number payment platform is set.And owing to after transaction is finished, in the affirmation information that the payee sends, comprise payer's cell-phone number, thereby again can be with the identification code of payer's cell-phone number as every payment transaction payee one side, distinguish the payer of every payment sending out same account with this.Have more distinctive meaning as payer and payee's identification code than an identification code that generates at random with cell-phone number, convenient memory also helps the structure of simplifying the cell-phone number payment platform simultaneously.
Payment transaction method based on the cell-phone number payment platform of the present invention divides payment transaction for two stages: the implementation phase that stage and payment being reached in transaction.The payer only need know that payee's cell-phone number just can implement payment, so actual delivery can be implemented by the payment terminal network with financial security of bank.The payer can utilize the approach of all kinds of public networks to accept payee's cell-phone number information, utilize bank ready-made then, the financial payment systems of safety is implemented convenient and safe payment, i.e. transaction is reached can be in the internet, enterprise network or other users think on the convenient and practical information network, and the special-purpose payment terminal network of payment channel usage bank, as the bank card POS network, telephone bank, Mobile banking, atm network or other intelligent payment terminal networks, its security is equal to the security of the own trade network of bank, thereby can avoid on public information network, transmitting sensitive information, even can be to initiate by different people concluding the business on the public network with on payment network, implementing payment, wooden horse is passed through in feasible attempt, eavesdropping, means such as decoding obtain user-pay information possibility hardly, thereby have greatly improved security of payment.
Description of drawings
Fig. 1 is a payment transaction system structural representation of the present invention
Fig. 2 is the structural representation of cell-phone number payment platform of the present invention
Fig. 3 is a payment transaction method flow diagram of the present invention
Wherein: 1-POS machine terminal; 2-cell-phone number payment platform; 21-payee's interface unit; 22-cell-phone number verification unit; 23-payment interface unit; The 24-communication unit; 25-payee's authentication unit; The 3-background data base; 4-payment services provider; 5-paying bank; 6-receiving bank.
Embodiment
The present invention will be described below in conjunction with accompanying drawing.
As shown in Figure 1, payment transaction system of the present invention comprises POS machine terminal 1, cell-phone number payment platform 2 and is arranged on background data base 3 in the cell-phone number payment platform 2, wherein POS machine terminal 1 connects cell-phone number payment platform 2 by fixed network (as telephone network), the payee B log-on message in the input handset payment platform 2 and the renewal of log-on message deposit in the background data base 3, and from background data base 3, extracting corresponding data as required, cell-phone number payment platform 2 is also by the private line access payment services provider of Unionpay 4.Payer A proposes Payment Request by POS machine terminal 1 to cell-phone number payment platform 2, imports the identification code of payee's cell-phone number as payment simultaneously.Cell-phone number payment platform 2 receives payee's cell-phone number of payer A input, and information such as the payment information of input subsequently, paying bank's card and bank card password, in background data base 3, extract identity information and the receiving bank's card information of payee B according to payee's cell-phone number, and the identity information that returns payee B to payer A confirms that for payer A affirmation errorless back cell-phone number payment platform 2 is according to agreement contact payment services provider 4.
Payment services provider 4 is Unionpay, VISA (Visa) or MASTER intermediaries such as (Masters), after paying bank's card of checking payer A belongs to signatory bank with payment services provider 4, cell-phone number payment platform 2 is to payment information, paying bank's card information and the bank card password of payment services provider 4 transmission payer A, and receiving bank's card information of payee B.Payment services provider 4 is according to the fund of deduction payment information correspondence in the paying bank 5 of above-mentioned information indication payer A correspondence; Withhold after the success, cell-phone number payment platform 2 sends confirmation on the receiving equipment of payer A, the notice Transaction Success.After cell-phone number payment platform 2 and payment services provider 4 reconciliations are finished, fund is dialled in receiving bank's card of payee B cell-phone number binding, cell-phone number payment platform 2 sends the affirmation information that comprises payer's cell-phone number on the receiving equipment of payee B.Wherein receiving equipment can be mobile phone, computer terminal, phone, electronics or non-E-mail address etc.
As shown in Figure 2, cell-phone number payment platform 2 comprises payee's interface unit 21, cell-phone number verification unit 22, payment interface unit 23, communication unit 24 and background data base 3.Wherein payee's interface unit 21 receives the log-on message of payee B, and with these log-on message input background data base 3 storages; Log-on message comprises payee's identity information, payee's cell-phone number and receiving bank's card information of binding with payee's cell-phone number, and identity information comprises payee's name at least; Payer A is by the cell-phone number input handset verification unit 22 of POS machine terminal 1 with payer's cell-phone number and payer B, with bank card password and the paying bank card information input payment interface unit 23 of payer A; Background data base 3 is according to the corresponding receiving bank's card information of payee's cell-phone number retrieval of cell-phone number verification unit 22 inputs, and the name of payee B returned in the POS machine terminal 1 confirm for payer A, receiving bank's card information is imported payment interface unit 23 after confirming successfully; Payment interface unit 23 receives paying bank's card information, bank card password and the payment information of payer A input, and carrying out information interaction with payment services provider 4, indication communication unit 24 sends confirmation to payer A and payee B respectively behind successful payment.The course of work of each unit is specially:
Payee's interface unit 21 is used to accept the register requirement of payee B, and the receiving bank of payee's cell-phone number and payee B appointment is sticked into the row binding, and log-on message such as payee's cell-phone number and receiving bank card is stored in the background data base 3 afterwards.Payee's interface unit 21 is provided with the communication interface with information transfer capability, this communication interface is for can select SMS interface or voice call interface or data communication interface or other communication interfaces, promptly can receive the information correction request that payee B sends by note, phone, Email or other computer network communication means (as QQ, MSN), to upgrade log-on message such as payee's cell-phone number and bank card information in the background data base 3.Also payee's authentication unit 25 can be set before payee's interface unit 21 on the cell-phone number payment platform 2, be used to verify the legitimacy of payee B, cell-phone number payment platform 2 just can verify whether corresponding information is the information of having registered the payee B submission of putting on record like this.
Cell-phone number verification unit 22 is used to receive payer cell-phone number and the payee cell-phone number of payer A by 1 input of POS machine terminal, and whether this cell-phone number of verification is legal, whether the form that is cell-phone number meets China's Mainland cell-phone number distribution rule, as do not meet, the prompting that then will import failure returns to payer A by POS machine terminal 1.After the verification succeeds, cell-phone number verification unit 22 is with the log-on message of retrieval payee B in payee's cell-phone number input background data base 3.Cell-phone number verification unit 22 also can be arranged in the POS machine terminal 1, if import directly advice and pay people A of failure like this, points out it to re-enter.
Payment interface unit 23 is used for setting up protocol relatedly with payment services provider 4, extracts the receiving bank's card information with the binding of payee's cell-phone number from background data base 3; And confirm the information such as name of payee B at payer A after, receive bank card password and the paying bank's card information of the payer A of POS machine terminal 1 input, and with the card information input payment services provider of receiving bank 4 of the bank card password of payer A and paying bank's card information, payee B.
Communication unit 24 is used for sending confirmation on the receiving equipment of payer A after payment services provider 4 withholds success, the notice Transaction Success; After treating that payment interface unit 23 and payment services provider 4 reconciliations are finished, payment services provider 4 dials in fund in receiving bank's card of payee B cell-phone number binding, and communication unit 24 sends the affirmation information that comprises payer's cell-phone number on the receiving equipment of payee B.
Background data base 3 is used to store and upgrade the log-on message of payee B, when cell-phone number verification unit 22 is imported background data base 3 with payee's cell-phone number, background data base 3 is retrieved its corresponding payee bank card information according to payee's cell-phone number, return the name of payee B by POS terminal 1 to payer A afterwards, but conceal the 2nd of its name.After payer A determined payee B name, background data base 3 was with in the receiving bank card information input payment interface unit 23.
Use the payment transaction method of above-mentioned payment transaction system may further comprise the steps as shown in Figure 3:
1) payee B registers in cell-phone number payment platform 2, and by payee's interface unit 21 input log-on messages, log-on message is stored in the background data base 3; Log-on message comprises identity information, the payee's cell-phone number of payee B and receiving bank's card information of binding with described payee's cell-phone number;
2) payer A selects " cell-phone number payment " in POS terminal 1;
3) payer A selects " cell-phone number payment " in POS terminal 1;
4) payer A is in POS terminal 1 input " payee's cell-phone number ", " payer's cell-phone number " and " payment information "; Payee's cell-phone number and payer's cell-phone number input handset verification unit 22, payment information input payment interface unit;
5) input format of cell-phone number verification unit 22 checking payee cell-phone numbers, mistake is then returned and is re-entered, and after the verification succeeds, cell-phone number verification unit 22 is retrieved the log-on message of payee B with payee's cell-phone number input background data base 3 in background data base 3; POS terminal 1 is returned the name of payee B to payer A, but conceals the 2nd of its name, with the account information of protection payee B;
6) input format of cell-phone number verification unit 22 checking payer cell-phone numbers, mistake is then returned and is re-entered, and after the verification succeeds, then payer's cell-phone number is reached in the communication unit 25;
7) after payer A confirmed the information such as name of payee B, brush was gone into paying bank's card in POS terminal 1, and POS terminal 1 present the bill for payment people A imports bank card password; Background data base 3 will be imported payment interface unit 23 with receiving bank's card information of payee's cell-phone number binding;
8) payer A input bank card password;
9) POS terminal 1 is with paying bank's card information, bank card password input payment interface unit 23;
10) memory contents among paying bank's card information and the payment services provider 4 is compared in payment interface unit 23, and whether the affiliated bank of checking paying bank card is signatory bank of the payment services provider 4; If not, return Fail Transaction, and on POS terminal 1, show Payment Failed and failure cause; If then paying bank's card information, bank card password, receiving bank's card information, payment information are committed to payment services provider 4;
11) payment services provider 4 withholds to the payment bank card according to the information of cell-phone number payment platform 2 submissions, and the result that will withhold afterwards is back to payment interface unit 23; If withhold successfully, then on POS terminal 1, show Transaction Success, and send successful information to the receiving equipment of payer A; If failure then shows Fail Transaction, and informs reason on POS terminal 1;
12) treat that payment interface unit 23 and payment services provider 4 reconciliations are finished after, payment services provider 4 dials in fund in receiving bank's card of payee B cell-phone number binding, and communication unit 24 sends the affirmation information that comprises payer's cell-phone number on the receiving equipment of payee B; Whole payment process finishes.
Should be pointed out that the above embodiment can make those skilled in the art more fully understand the invention, but do not limit the present invention in any way creation.Therefore; although this instructions has been described in detail the invention with reference to drawings and Examples; but; those skilled in the art are to be understood that; still can make amendment or be equal to replacement the invention; in a word, all do not break away from the technical scheme and the improvement thereof of the spirit and scope of the invention, and it all should be encompassed in the middle of the protection domain of the invention patent.
Claims (13)
1. cell-phone number payment platform, it is characterized in that: payee's interface unit, background data base and payment interface unit are connected successively; Described payee's interface unit receives payee's log-on message, will store in the described log-on message input background data base; Described log-on message comprises payee's identity information, payee's cell-phone number and receiving bank's card information of binding with described payee's cell-phone number; Payee's cell-phone number according to payer input in the described background data base retrieves corresponding receiving bank's card information, and payee's identity information is returned to the payer confirms, receiving bank's card information is imported described payment interface unit after confirming successfully again; Described payment interface unit receives paying bank's card information, bank card password and the payment information of described payer's input, and described paying bank card information, bank card password, receiving bank's card information and payment information are transferred to the payment services provider.
2. a kind of cell-phone number payment platform as claimed in claim 1 is characterized in that: before described payee's interface unit payee's authentication unit is set, payee's legitimacy is verified.
3. a kind of cell-phone number payment platform as claimed in claim 1, it is characterized in that: described identity information comprises payee's name.
4. a kind of cell-phone number payment platform as claimed in claim 1, it is characterized in that: the card information input payment services provider of paying bank that described payment interface unit is provided with payer's input verifies, when the bank under paying bank's card is not described payment services provider's signatory bank, receive the error message that described payment services provider returns by described payment interface unit, and described error message is shown in the POS machine terminal that communicates with.
5. as claim 1 or 2 or 3 or 4 described a kind of cell-phone number payment platforms, it is characterized in that: also comprise a communication unit that links to each other with payment interface unit, payer's receiving equipment and payee's receiving equipment, the payer is to this communication unit input payer's cell-phone number, when described payment services provider described paying bank is blocked successfully withhold after, described payment interface unit indicates described communication unit to send the information of the success of withholing to payer's receiving equipment; After described payment interface unit and payment services provider reconciliation are finished, described payment services provider dials in fund in receiving bank's card of payee's cell-phone number binding, and described communication unit sends the affirmation information of the cell-phone number that comprises the payer on payee's receiving equipment.
6. a kind of cell-phone number payment platform as claimed in claim 5 is characterized in that: described receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address.
7. a kind of cell-phone number payment platform as claimed in claim 1 is characterized in that: described payment services provider is the signatory bank of Unionpay, VISA or MASTER.
8. payment transaction system, it is characterized in that: comprise described cell-phone number payment platform as one of claim 1-7, also comprise the POS machine terminal that is connected with described cell-phone number payment platform respectively, and the payment services provider who is connected with described cell-phone number payment platform; The payer imports the background data base of described cell-phone number payment platform by described POS machine terminal with payee's cell-phone number, with paying bank's card information, bank card password and payment information input payment interface unit; Described background data base extracts corresponding identity information according to described payee's cell-phone number and returns described payer by described POS machine terminal, after described payer confirmed described identity information, described background data base was imported described payment interface unit with receiving bank's card information of described payee's cell-phone number correspondence; Described payment interface unit is transferred to described payment services provider with described paying bank card information, whether described payment services provider is signatory bank according to the bank under the card information checking payer of the paying bank bank card, if then receive bank card password, receiving bank's card information and the payment information of the input of described payment interface unit, described payment services provider withholds to the payment bank card, and fund dialled in the receiving bank card, otherwise return error message to the payer by described POS machine terminal.
9. a kind of payment transaction system as claimed in claim 8 is characterized in that: described POS machine terminal connects described cell-phone number payment platform by fixed network.
10. a kind of payment transaction system as claimed in claim 8, it is characterized in that: also comprise a cell-phone number verification unit, described payee's cell-phone number needs the described cell-phone number verification unit of input earlier before importing described background data base, described cell-phone number verification unit verifies whether described payee's cell-phone number meets China's Mainland cell-phone number distribution rule, as do not meet, then the described payer of prompting re-enters on described POS machine terminal, as meet, then described payee's cell-phone number is imported in the described background data base.
11. a payment transaction method that adopts one of claim 1-7 cell-phone number payment platform may further comprise the steps:
1) payee registers by payee's interface unit in described cell-phone number payment platform by payee's interface unit, and log-on message is stored in the background data base; Described log-on message comprises payee's identity information, payee's cell-phone number and receiving bank's card information of binding with described payee's cell-phone number;
2) payer imports payee's cell-phone number, payment information by the POS terminal to described cell-phone number payment platform;
3) described payee's cell-phone number is imported described background data base, retrieval payee's log-on message in described background data base; Return payee's identity information to the payer by described POS terminal;
4) after the payer confirms payee's identity information, paying bank's card information and bank card password are imported payment interface unit in the described payment platform by the POS terminal; The receiving bank's card information with described payee's cell-phone number binding that stores in the described background data base is imported described payment interface unit; Described payment interface unit is committed to described payment services provider with paying bank's card information, bank card password, receiving bank's card information, payment information;
5) described payment services provider sticks into to go to described paying bank and withholds; After described payment interface unit and payment services provider reconciliation are finished, fund is dialled in the described receiving bank card; Whole process finishes.
12. a kind of payment transaction method as claimed in claim 11, it is characterized in that: described step 2), described payee's cell-phone number is before entering described background data base by described POS machine terminal, need by cell-phone number verification unit checking input format, if mistake then return and re-enter; Successful then enter next step.
13. a kind of payment transaction method as claimed in claim 11, it is characterized in that: in the described step 4), the memory contents among paying bank's card information and the described payment services provider is compared in described payment interface unit, and whether the affiliated bank of checking paying bank card is described payment services provider's signatory bank; If not, return Fail Transaction, and on the POS terminal, show Payment Failed and failure cause; If then paying bank's card information, bank card password, receiving bank's card information, payment information are committed to described payment services provider.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105255494A CN101976403A (en) | 2010-10-29 | 2010-10-29 | Phone number payment platform, payment trading system and method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN103714640A (en) * | 2013-03-15 | 2014-04-09 | 福建联迪商用设备有限公司 | Method and system for sending transmission key |
| CN108229967A (en) * | 2018-01-04 | 2018-06-29 | 深圳怡化电脑股份有限公司 | A kind of transfer account method, device, equipment and storage medium |
| CN109690591A (en) * | 2016-06-30 | 2019-04-26 | Ipco 2012有限责任公司 | Methods, devices and systems for e-payment |
| CN110245928A (en) * | 2019-05-29 | 2019-09-17 | 阿里巴巴集团控股有限公司 | A kind of method, system and equipment obtaining bank card signing element information |
| CN115271735A (en) * | 2022-07-05 | 2022-11-01 | 浙江省能源集团财务有限责任公司 | Log analysis method and system in proxy payment service scene |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103714640A (en) * | 2013-03-15 | 2014-04-09 | 福建联迪商用设备有限公司 | Method and system for sending transmission key |
| CN103714640B (en) * | 2013-03-15 | 2016-02-03 | 福建联迪商用设备有限公司 | A kind of sending method of transmission security key and system |
| CN109690591A (en) * | 2016-06-30 | 2019-04-26 | Ipco 2012有限责任公司 | Methods, devices and systems for e-payment |
| CN108229967A (en) * | 2018-01-04 | 2018-06-29 | 深圳怡化电脑股份有限公司 | A kind of transfer account method, device, equipment and storage medium |
| CN110245928A (en) * | 2019-05-29 | 2019-09-17 | 阿里巴巴集团控股有限公司 | A kind of method, system and equipment obtaining bank card signing element information |
| CN115271735A (en) * | 2022-07-05 | 2022-11-01 | 浙江省能源集团财务有限责任公司 | Log analysis method and system in proxy payment service scene |
| CN115271735B (en) * | 2022-07-05 | 2023-04-25 | 浙江省能源集团财务有限责任公司 | Log analysis method and system in proxy payment service scene |
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Address after: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 7 808 Applicant after: Lakala Payment Co., Ltd. Address before: 100097 Beijing Haidian District Zizhuyuan Road No. 116 gladful international center block D No. 805 Applicant before: Beijing Lakala Network Technology Co., Ltd. |
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Application publication date: 20110216 |