CN102081768A - China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming - Google Patents
China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming Download PDFInfo
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- CN102081768A CN102081768A CN2009101895535A CN200910189553A CN102081768A CN 102081768 A CN102081768 A CN 102081768A CN 2009101895535 A CN2009101895535 A CN 2009101895535A CN 200910189553 A CN200910189553 A CN 200910189553A CN 102081768 A CN102081768 A CN 102081768A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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Abstract
The invention provides a China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming. The system provided by the invention comprises a mobile phone (1) of each customer, an RF-SIM card (2) arranged in the mobile phone (1), a bank card (3) account of each customer at an issuing bank (7), a 3G (3rd Generation) collection terminal (4) of each merchant, a bank account of each merchant at an acquiring bank (8), a mobile phone network (5) and a payment center (6), wherein the RF-SIM card (2) has the function of a common SIM card, and the RF-SIM card (2) is also provided with a short-range radio communication element, an E-wallet for paying for small amounts and an unique card number. The system and the method are suitable for paying for different prices; during paying for the small amounts, the money is directly received by the E-wallet in the RF-SIM card (2); but the large sum of money is directly received from the bank card of the customer; and before transferring the money, the customer inputs a password and confirms via the mobile phone (1), which is absolutely safe and reliable.
Description
[technical field]
The present invention relates to mobile communication technology and E-Payment technology, China Mobile's mobile phone POS machine system and method for confirming again by password when particularly relating to a kind of the payment.
[background technology]
Along with the development of smart card techniques, it is also more and more universal to use smart card to do the application paid by mails, for example Bus Card, adopt NFC mobile-phone payment, adopt the credit card of smart card techniques etc., have convenient easy-to-use advantage.These payments are used and all are based on smart card techniques, utilize the uniqueness of smart card and adopt cipher key encryption mechanism, with the identification of smart card as disburser's identity.But along with improvement of computer science, under the help by the powerful computing machine of arithmetic capability, be considered to the key that is difficult to crack as safe as a house in the past, and partly cracked fully by the people, safety inadequately becomes.If the key of smart card has been cracked by the thief, the thief just can emit user's identity by duplicating the smart card puppet, makes the application of adopting smart card to do payment face unprecedented baptism.Even partly, also can also may be cracked fully in the near future along with the progress of Computing ability by the people at present still quite safe key.In order to control risk, much adopt the payment of smart card to use, all only be used for little amount of money payment, make smart card fail to be widely used in a large sum of money payment like this.
The characteristics of the identity discriminating authentication when the present invention utilizes mobile phone to insert mobile telephone network solve the safety problem when adopting intelligence to be stuck in a large sum of money payment application.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 mobile phone to insert this security feature of mobile telephone network, mobile phone in conjunction with the built-in RF-SIM of China Mobile card, realize the application of the little amount of money and a large sum of money payment, replace bank card and smart card to do a large sum of money and little amount of money consumption payment with mobile phone.
[summary of the invention]
Purpose of the present invention, China Mobile's mobile phone POS machine system and method for confirming again by password when being a kind of the payment is provided with the mobile phone of the built-in RF-SIM of China Mobile card, is realized the application of the little amount of money and a large sum of money payment.
The object of the present invention is achieved like this, the mobile phone POS machine system of China Mobile that confirms again by password when adopting a kind of like this payment, can be used for the little amount of money, the a large sum of money payment, it is characterized in that, described system includes each client's mobile phone (1) and places the interior RF-S IM card (2) of mobile phone (1), each client is bank card (3) account of issuing bank (7), the 3G cash receiving terminal (4) that each trade company is used to collect money, each trade company is at the bank account of merchant bank (8), mobile telephone network (5), paying centre (6)
Wherein,
Described RF-SIM card (2) also is provided with wireless near field communication (Near Field Communication, NFC) element and be used for the stored value card of little amount of money payment purposes, and be provided with a unique card number except the function that possesses general SIM card and provide;
Described 3G cash receiving terminal (4) is provided with the reader device that is used to read RF-SIM card (2) card number and stored value card, 3G cash receiving terminal (4) also is provided with the 3G mobile that is used for paying centre (6) communication, and the telephone number of this 3G mobile is exactly the terminal number of 3G cash receiving terminal (4);
Described paying centre (6) communicates by the 3G cash receiving terminal (4) of mobile telephone network (5) with each trade company, and with issuing bank (7) and merchant bank (8) line mutually, paying centre (6) is mainly used in the payment data that processing is transmitted by 3G cash receiving terminal (4), gathering client sends by its mobile phone (1) and is used to confirm the password paid, and carry out the clearing work of relevant payment, paying centre (6) records the terminal number of each 3G cash receiving terminal (4), each trade company is at the Bank Account Number of merchant bank (8), and paying centre (6) bundle the terminal number of the 3G cash receiving terminal (4) of each trade company at the Bank Account Number of merchant bank (8) mutually with this trade company; Paying centre (6) also records RF-S IM card (2) card number and the e-wallet account data and bank card (3) account number of this client in issuing bank (7) of telephone number and this mobile phone (1) of each client's mobile phone (1), and paying centre (6) bundle each client's RF-SIM card (2) card number mutually with this client's mobile phone (1) telephone number and bank card (3) account number of this client in issuing bank (7);
And,
When the little amount of money is paid, by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2) of client's mobile phone (1), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts;
During a large sum of money payment, read the card number of RF-SIM card (2) of client's mobile phone (1) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), transmit request confirmation by passing through mobile telephone network (5) to client's mobile phone (1) by paying centre (6), client agrees to pay just to reply at the last input of mobile phone (1) password and confirms to pay, paying centre (6) are with client's bank card (3) account number then, password, payment, trade company at account transfer data transmissions such as the Bank Account Numbers of merchant bank (8) to issuing bank (7), by issuing bank (7) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
For realizing purpose of the present invention, China Mobile's mobile phone POS machine method of payment of confirming again by password when also adopting a kind of like this payment, be used for little amount of money payment, adopt system as previously described, it is characterized in that, described method comprises when client carries out the payment of the little amount of money, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts.And, China Mobile's mobile phone POS machine method of payment of confirming again by password when adopting a kind of like this payment, be used for a large sum of money payment, adopt system as previously described, it is characterized in that, described method comprises when client carries out a large sum of money payment, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), read the card number of RF-SIM card (2) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), send client's mobile phone (1) by paying centre (6) to by will ask confirmation by mobile telephone network (5), client just agrees to pay and upward confirms to pay in input password answer paying centre (6) at mobile phone (1), paying centre (6) are with client's bank card (3) account number then, password, payment, trade company at account transfer data transmissions such as the Bank Account Numbers of merchant bank (8) to issuing bank (7), by issuing bank (7) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
So just realized purpose of the present invention.
China Mobile's mobile phone POS machine system and method for confirming again by password during of the present invention the payment, be suitable for the application of the little amount of money and a large sum of money payment simultaneously, because the risk of little amount of money payment is lower, so can be directly from the interior stored value card gathering of RF-SIM card (2), convenient and swift, and the higher a large sum of money payment of relative risk, then bank card (3) account from client collects money, and when paying must by this client by its mobile phone input password confirming success after, just can pay, because mobile telephone network can not allow the mobile phone while access network of common identity, the mobile phone that has guaranteed client can not emitted by people's puppet and the while access network, add and also want client behind mobile phone input password confirming, just to pay, so it is reliable to be perfectly safe.
[description of drawings]
The structural representation key diagram of the mobile phone POS machine system of China Mobile that confirms again by password when Fig. 1 is of the present invention the payment;
The little amount of money payment step schematic illustration of China Mobile's mobile phone POS machine method of payment of confirming again by password when Fig. 2 is of the present invention the payment;
Fig. 3 is the step schematic illustration of supplementing the stored value card in the RF-SIM card (2) with money;
The a large sum of money payment step schematic illustration of China Mobile's mobile phone POS machine method of payment of confirming again by password when Fig. 4 is of the present invention the payment.
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, the structural representation key diagram of the mobile phone POS machine system of China Mobile that confirms again by password when Fig. 1 is of the present invention the payment, system shown in Fig. 1 includes each client's mobile phone (1) and places the interior RF-SIM card (2) of mobile phone (1), each client is bank card (3) account of issuing bank (7), the 3G cash receiving terminal (4) that each trade company is used to collect money, each trade company is at the bank account of merchant bank (8), mobile telephone network (5), paying centre (6), wherein, described RF-SIM card (2) is except the function that possesses general SIM card and provide, also be provided with wireless near field communication (Near Field Communication, NFC) element and be used for the stored value card of little amount of money payment purposes, and be provided with a unique card number; Described 3G cash receiving terminal (4) is provided with the reader device that is used to read RF-SIM card (2) card number and stored value card, 3G cash receiving terminal (4) also is provided with the 3G mobile that is used for paying centre (6) communication, and the telephone number of this 3G mobile is exactly the terminal number of 3G cash receiving terminal (4); Described paying centre (6) communicates by the 3G cash receiving terminal (4) of mobile telephone network (5) with each trade company, and with issuing bank (7) and merchant bank (8) line mutually, paying centre (6) is mainly used in the payment data that processing is transmitted by 3G cash receiving terminal (4), gathering client sends by its mobile phone (1) and is used to confirm the password paid, and carry out the clearing work of relevant payment, paying centre (6) records the terminal number of each 3G cash receiving terminal (4), each trade company is at the Bank Account Number of merchant bank (8), and paying centre (6) bundle the terminal number of the 3G cash receiving terminal (4) of each trade company at the Bank Account Number of merchant bank (8) mutually with this trade company; Paying centre (6) also records RF-SIM card (2) card number and the e-wallet account data and bank card (3) account number of this client in issuing bank (7) of telephone number and this mobile phone (1) of each client's mobile phone (1), and paying centre (6) bundle each client's RF-SIM card (2) card number mutually with this client's mobile phone (1) telephone number and bank card (3) account number of this client in issuing bank (7); And, when the little amount of money is paid, by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2) of client's mobile phone (1), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts; During a large sum of money payment, read the card number of RF-SIM card (2) of client's mobile phone (1) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), transmit request confirmation by passing through mobile telephone network (5) to client's mobile phone (1) by paying centre (6), client agrees to pay just to reply at the last input of mobile phone (1) password and confirms to pay, paying centre (6) are with client's bank card (3) account number then, password, payment, trade company at account transfer data transmissions such as the Bank Account Numbers of merchant bank (8) to issuing bank (7), by issuing bank (7) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
Aspect being provided with, paying centre (6) is by each 3G cash receiving terminal (4) data communication mutually of mobile telephone network (5) and each trade company, and paying centre (6) record each 3G cash receiving terminal (4) terminal number, each trade company Bank Account Number in merchant bank (8).Paying centre (6) also is provided with each client's disbursement account, and each disbursement account records this client's RF-SIM card (2) card number and cell-phone telephone number and bank card (3) account number.In this manual, mobile telephone network (5) can be the 3G mobile telephone network of China Mobile, or the telephone network of being made up of in conjunction with fixed telephone network, gsm mobile telephone network, CDMA mobile telephone network etc. the 3G mobile telephone network of China Mobile.
Aspect trade company, trade company will establish 3G cash receiving terminal (4), be provided with a 3G mobile in each 3G cash receiving terminal (4), the telephone number of this 3G mobile is exactly the terminal number of 3G cash receiving terminal (4), it also is the identification of 3G cash receiving terminal (4), trade company simultaneously will be in the paying centre (6) register the terminal number of each 3G cash receiving terminal (4) and this trade company Bank Account Number in merchant bank (8), terminal number and this trade company with whole 3G cash receiving terminals (4) of this trade company bundlees mutually at the Bank Account Number of merchant bank (8) by paying centre (6), later on by the transaction of paying of those 3G cash receiving terminals (4), the fund of being received can deposit the bank account of this trade company in merchant bank (8) in.
Aspect client, client will (6) offer a disbursement account in the paying centre, distribute a RF-S IM card (2) that is built-in with stored value card to give client's mobile phone (1) by paying centre (6), paying centre (6) is binding mutually such as disbursement account and client's mobile phone (1) telephone number, bank card (3) account number, RF-SIM card (2) card number, and the affirmation password of client's bank card (3) password when to be exactly client carry out a large sum of money payment.When carrying out a large sum of money payment, the affirmation password that paying centre (6) can be sent client here is transferred to issuing bank (7), and paying centre (6) are the passwords that can not store client, the checking work of password is responsible for by issuing bank (7), and issuing bank after the password confirmation (7) just transfers accounts to finish a large sum of money payment.In addition, after client also will supplement stored value card with money, just can carry out little amount of money payment.
Consult Fig. 2, the little amount of money payment step schematic illustration of China Mobile's mobile phone POS machine method of payment of confirming again by password when Fig. 2 is of the present invention the payment, when client being shown among Fig. 2 having carried out the payment of the little amount of money, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts.
Continue to consult Fig. 2, the method shown in Fig. 2 also comprises following A group step, is the step that client carries out little amount of money payment in trade company, and concrete A group step is as follows:
A1. the cashier of trade company is in 3G cash receiving terminal (4) input payment, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
A2.3G cash receiving terminal (4) reads the interior stored value card of RF-S IM card (2) of mobile phone (1) by card reader, the surplus of checking this stored value card enough pay described payment errorless after, collect the money of this payment from this stored value card, the data storage of then this being collected payment is in 3G cash receiving terminal (4), and the printing receipt is given client;
A3. when clearing, 3G cash receiving terminal (4) is sent to paying centre (6) with the stored data of collecting payment by mobile telephone network (5);
A4. settle accounts according to the data of collecting payment paying centre (6), calculates the receivable settlement amounts of trade company, then from the paying centre money of the bank account overseas transfers amount of money of (6) to the bank account of trade company in merchant bank (8).
Consult Fig. 3, Fig. 3 is the step schematic illustration of supplementing the stored value card in the RF-S IM card (2) with money, and the B group step shown in Fig. 3 is the step of the stored value card of client in trade company supplements RF-SIM card (2) with money, and concrete B group step is as follows:
B1. the cashier of trade company is at 3G cash receiving terminal (4) input recharge amount, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
B2.3G cash receiving terminal (4) reads the card number of the RF-SIM card (2) of mobile phone (1) by card reader, and the data of supplementing with money such as terminal number with card number, recharge amount and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5) then;
B3. paying centre (6) find out mobile phone (1) telephone number that corresponding mobile phone (1) telephone number is client and client bank card (3) account number in issuing bank (7) according to card number, connect by initiating USSD to client's mobile phone (1) then by mobile telephone network (5), the mobile phone (1) that connects to client by this USSD transmits the request confirmation, and described request confirmation comprises recharge amount;
B4. client's agreement is just supplemented with money and is supplemented with money at the last input of mobile phone (1) password confirming, by mobile phone (1) this password is connected by this USSD to be sent to paying centre (6);
B5. transfer accounts at the account transfer data transmissions such as Bank Account Number of merchant bank (8) client's bank card (3) account number, password, recharge amount, paying centre (6) paying centre (6) to issuing bank (7) request;
B6. issuing bank (7) check the account transfer data errorless after, from this client in bank card (3) account of issuing bank (7), transfer accounts the money of recharge amount to paying centre (6) in the bank account of merchant bank (8);
B7. the paying centre, back (6) of transferring accounts successfully sends the gathering successful information by mobile telephone network (5) to 3G cash receiving terminal (4), and sends short messages by mobile telephone network (5) and to notify client successfully to collect to client's mobile phone (1) to supplement fund with money; And 3G cash receiving terminal (4) sends information, deposits recharge amount in RF-SIM card (2) interior stored value card on the card reader of pointing out client mobile phone (1) to be put into 3G cash receiving terminal (4);
B8. client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4), 3G cash receiving terminal (4) reads the interior stored value card of RF-S IM card (2) of mobile phone (1) by card reader, after the confirmation, recharge amount is added in the surplus of this stored value card, print receipt then and give client, the whole process of supplementing with money is finished.
Consult Fig. 4, the a large sum of money payment step illustrative of China Mobile's mobile phone POS machine method of payment of confirming again by password when Fig. 4 is of the present invention the payment, client has been shown among Fig. 4 has carried out a large sum of money when payment, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), read the card number of RF-SIM card (2) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), send client's mobile phone (1) by paying centre (6) to by will ask confirmation by mobile telephone network (5), for example paying centre (6) will ask confirmation to send client's mobile phone (1) to by sending out USSD information, client just agrees to pay and upward confirms to pay in input password answer paying centre (6) at mobile phone (1), paying centre (6) are with client's bank card (3) account number then, password, payment, trade company at account transfer data transmissions such as the Bank Account Numbers of merchant bank (8) to issuing bank (7), by issuing bank (7) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
Continue to consult Fig. 4, the C group step shown in Fig. 4 is the step that client carries out the wholesale payment in trade company, and concrete C group step is as follows:
C1. the cashier of trade company is in 3G cash receiving terminal (4) input payment, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
C2.3G cash receiving terminal (4) reads the card number of the RF-S IM card (2) of mobile phone (1) by card reader, and the payment data such as terminal number with card number, payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5) then; And 3G cash receiving terminal (4) sends information, and this payment transaction of prompting trade company is not finished as yet, will wait for that also client is in the payment of mobile phone (1) input password confirming;
C3. paying centre (6) find out mobile phone (1) telephone number that corresponding mobile phone (1) telephone number is client and client bank card (3) account number in issuing bank (7) according to card number, connect by initiating USSD to client's mobile phone (1) then by mobile telephone network (5), the mobile phone (1) that connects to client by this USSD transmits the request confirmation, and described request confirmation comprises the title of payment and/or gathering trade company;
C4. client agrees payment just in upward input password confirming payment of mobile phone (1), by mobile phone (1) this password is connected by this USSD to be sent to paying centre (6);
C5. transfer accounts at the account transfer data transmissions such as Bank Account Number of merchant bank (8) client's bank card (3) account number, password, payment, trade company paying centre (6) to issuing bank (7) request;
C6. issuing bank (7) check the account transfer data errorless after, from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8);
C7. paying centre (6) send the gathering successful information by mobile telephone network (5) to 3G cash receiving terminal (4) after transferring accounts successfully, and it is successful to client's mobile phone (1) notice customer payment to send short messages by mobile telephone network (5);
C8.3G cash receiving terminal (4) is printed receipt to client after receiving the gathering successful information, and whole a large sum of money payment process is finished.
In the present invention, the card that described bank card (3) comprises credit card, debit card, the card of withdrawing the money, ATM card, goods note card and so on be can be used for paying by issued by banks.In addition, described bank card (3) also can be the bank account of client in issuing bank (7), 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.
China Mobile's mobile phone POS machine system and method for confirming again by password during of the present invention the payment, 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 the stored value card in RF-SIM card (2), and a large sum of money payment is just collected money from client's bank card account account transfer, safe and reliable, convenient and swift.Enforcement of the present invention can bring good economic benefit, to client, trade company and China Mobile benifit very all.
Claims (7)
1. mobile phone POS machine system of China Mobile that confirms again by password when paying the bill, can be used for the little amount of money, a large sum of money payment, it is characterized in that, described system includes each client's mobile phone (1) and places RF-SIM card (2) in the mobile phone (1), each client in bank card (3) account of issuing bank (7), 3G cash receiving terminal (4) that each trade company is used to collect money, each trade company bank account, mobile telephone network (5), paying centre (6) in merchant bank (8)
Wherein,
Described RF-SIM card (2) also is provided with the wireless near field communication element and is used for the stored value card of little amount of money payment purposes, and be provided with a unique card number except the function that possesses general SIM card and provide;
Described 3G cash receiving terminal (4) is provided with the reader device that is used to read RF-S IM card (2) card number and stored value card, 3G cash receiving terminal (4) also is provided with the 3G mobile that is used for paying centre (6) communication, and the telephone number of this 3G mobile is exactly the terminal number of 3G cash receiving terminal (4); Described paying centre (6) communicates by the 3G cash receiving terminal (4) of mobile telephone network (5) with each trade company, and with issuing bank (7) and merchant bank (8) line mutually, paying centre (6) is mainly used in payment data that processing transmitted by 3G cash receiving terminal (4), gather client is sent by its mobile phone (1) and is used to confirm the password paid, and carries out the clearing work about paying; And,
When the little amount of money is paid, by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2) of client's mobile phone (1), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts; During a large sum of money payment, read the card number of RF-SIM card (2) of client's mobile phone (1) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), transmit request confirmation by passing through mobile telephone network (5) to client's mobile phone (1) by paying centre (6), client agrees that payment just goes up the input password at mobile phone (1) and reply and confirm to pay, then paying centre (6) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
2. the mobile phone POS machine system of China Mobile that confirms again by password during as claimed in claim 1 the payment, it is characterized in that the card that described bank card (3) comprises credit card, debit card, the card of withdrawing the money, ATM card, goods note card and so on be can be used for paying by issued by banks.
3. China Mobile's mobile phone POS machine method of payment of confirming again by password when paying the bill, be used for little amount of money payment, adopt as each described system of claim 1 to 2, it is characterized in that, described method comprises when client carries out the payment of the little amount of money, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), by 3G cash receiving terminal (4) by the stored value card gathering of reader device in the RF-SIM card (2), then when clearing by 3G cash receiving terminal (4) with the data transmission of each little amount of money payment to the paying centre (6) settle accounts.
4. China Mobile's mobile phone POS machine method of payment of confirming again by password during as claimed in claim 3 the payment is characterized in that, described method also comprises following A group step, is the step that client carries out little amount of money payment in trade company, and concrete A group step is as follows:
A1. the cashier of trade company is in 3G cash receiving terminal (4) input payment, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
A2.3G cash receiving terminal (4) reads the interior stored value card of RF-S IM card (2) of mobile phone (1) by card reader, the surplus of checking this stored value card enough pay described payment errorless after, collect the money of this payment from this stored value card, the data storage of then this being collected payment is in 3G cash receiving terminal (4), and the printing receipt is given client;
A3. when clearing, 3G cash receiving terminal (4) is sent to paying centre (6) with the stored data of collecting payment by mobile telephone network (5);
A4. settle accounts according to the data of collecting payment paying centre (6), calculates the receivable settlement amounts of trade company, then from the paying centre money of the bank account overseas transfers amount of money of (6) to the bank account of trade company in merchant bank (8).
5. China Mobile's mobile phone POS machine method of payment of confirming again by password during as claimed in claim 4 the payment, it is characterized in that, described method also comprises following B group step, is the step of the stored value card of client in trade company supplements RF-SIM card (2) with money, and concrete B group step is as follows:
B1. the cashier of trade company is at 3G cash receiving terminal (4) input recharge amount, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
B2.3G cash receiving terminal (4) reads the card number of the RF-SIM card (2) of mobile phone (1) by card reader, and the data of supplementing with money such as terminal number with card number, recharge amount and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5) then;
B3. paying centre (6) find out mobile phone (1) telephone number that corresponding mobile phone (1) telephone number is client and client bank card (3) account number in issuing bank (7) according to card number, connect by initiating USSD to client's mobile phone (1) then by mobile telephone network (5), the mobile phone (1) that connects to client by this USSD transmits the request confirmation, and described request confirmation comprises recharge amount;
B4. client's agreement is just supplemented with money and is supplemented with money at the last input of mobile phone (1) password confirming, by mobile phone (1) this password is connected by this USSD to be sent to paying centre (6);
B5. transfer accounts at the account transfer data transmissions such as Bank Account Number of merchant bank (8) client's bank card (3) account number, password, recharge amount, paying centre (6) paying centre (6) to issuing bank (7) request;
B6. issuing bank (7) check the account transfer data errorless after, from this client in bank card (3) account of issuing bank (7), transfer accounts the money of recharge amount to paying centre (6) in the bank account of merchant bank (8);
B7. the paying centre, back (6) of transferring accounts successfully sends the gathering successful information by mobile telephone network (5) to 3G cash receiving terminal (4), and sends short messages by mobile telephone network (5) and to notify client successfully to collect to client's mobile phone (1) to supplement fund with money;
B8. client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4), 3G cash receiving terminal (4) reads the interior stored value card of RF-S IM card (2) of mobile phone (1) by card reader, after the confirmation, recharge amount is added in the surplus of this stored value card, prints receipt then and give client.
6. China Mobile's mobile phone POS machine method of payment of confirming again by password when paying the bill, be used for a large sum of money payment, adopt as each described system of claim 1 to 2, it is characterized in that, described method comprises when client carries out a large sum of money payment, the mobile phone (1) of built-in RF-SIM card (2) is put into 3G cash receiving terminal (4), read the card number of RF-SIM card (2) by reader device by 3G cash receiving terminal (4), then with card number, the payment data such as terminal number of payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5), send client's mobile phone (1) by paying centre (6) to by will ask confirmation by mobile telephone network (5), client just agrees to pay and upward confirms to pay in input password answer paying centre (6) at mobile phone (1), paying centre (6) are with client's bank card (3) account number then, password, payment, trade company at account transfer data transmissions such as the Bank Account Numbers of merchant bank (8) to issuing bank (7), by issuing bank (7) from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8).
7. China Mobile's mobile phone POS machine method of payment of confirming again by password during the payment stated as claim 6 is characterized in that described method also comprises following C group step, is the step that client carries out the wholesale payment in trade company, and concrete C group step is as follows:
C1. the cashier of trade company is in 3G cash receiving terminal (4) input payment, and client is put into mobile phone (1) on the card reader of 3G cash receiving terminal (4) then;
C2.3G cash receiving terminal (4) reads the card number of the RF-S IM card (2) of mobile phone (1) by card reader, and the payment data such as terminal number with card number, payment and 3G cash receiving terminal (4) are sent to paying centre (6) by mobile telephone network (5) then;
C3. paying centre (6) find out mobile phone (1) telephone number that corresponding mobile phone (1) telephone number is client and client bank card (3) account number in issuing bank (7) according to card number, connect by initiating USSD to client's mobile phone (1) then by mobile telephone network (5), the mobile phone (1) that connects to client by this USSD transmits the request confirmation, and described request confirmation comprises the title of payment and/or gathering trade company;
C4. client agrees payment just in upward input password confirming payment of mobile phone (1), by mobile phone (1) this password is connected by this USSD to be sent to paying centre (6);
C5. transfer accounts at the account transfer data transmissions such as Bank Account Number of merchant bank (8) client's bank card (3) account number, password, payment, trade company paying centre (6) to issuing bank (7) request;
C6. issuing bank (7) check the account transfer data errorless after, from the money of this client payment by the transfer of account amount of money in bank card (3) account of issuing bank (7) to trade company in the bank account of merchant bank (8);
C7. paying centre (6) send the gathering successful information by mobile telephone network (5) to 3G cash receiving terminal (4) after transferring accounts successfully, and it is successful to client's mobile phone (1) notice customer payment to send short messages by mobile telephone network (5);
C8.3G cash receiving terminal (4) is printed receipt to client after receiving the gathering successful information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101895535A CN102081768A (en) | 2009-11-27 | 2009-11-27 | China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101895535A CN102081768A (en) | 2009-11-27 | 2009-11-27 | China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming |
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| Publication Number | Publication Date |
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| CN102081768A true CN102081768A (en) | 2011-06-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009101895535A Pending CN102081768A (en) | 2009-11-27 | 2009-11-27 | China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592221A (en) * | 2012-01-16 | 2012-07-18 | 深圳一卡通新技术有限公司 | Bank card payment system and method based on mobile phone confirmed password |
| WO2012155620A1 (en) * | 2011-09-06 | 2012-11-22 | 中兴通讯股份有限公司 | Method and mobile communication terminal for protecting near field communication security |
| CN103164911A (en) * | 2011-12-09 | 2013-06-19 | 国民技术股份有限公司 | Swiping-card payment system and method |
| CN105528697A (en) * | 2014-10-22 | 2016-04-27 | 邵再禹 | Safe transfer transaction method of bank card |
| CN109359970A (en) * | 2018-09-21 | 2019-02-19 | 厦门中控智慧信息技术有限公司 | A kind of smart card management method, device and terminal device |
| CN113657885A (en) * | 2021-08-19 | 2021-11-16 | 中国银行股份有限公司 | Mobile phone bank off-line collection and payment method and device |
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- 2009-11-27 CN CN2009101895535A patent/CN102081768A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2012155620A1 (en) * | 2011-09-06 | 2012-11-22 | 中兴通讯股份有限公司 | Method and mobile communication terminal for protecting near field communication security |
| CN103164911A (en) * | 2011-12-09 | 2013-06-19 | 国民技术股份有限公司 | Swiping-card payment system and method |
| CN103164911B (en) * | 2011-12-09 | 2016-02-03 | 国民技术股份有限公司 | A kind of Swiping-card payment system and method |
| CN102592221A (en) * | 2012-01-16 | 2012-07-18 | 深圳一卡通新技术有限公司 | Bank card payment system and method based on mobile phone confirmed password |
| CN105528697A (en) * | 2014-10-22 | 2016-04-27 | 邵再禹 | Safe transfer transaction method of bank card |
| CN109359970A (en) * | 2018-09-21 | 2019-02-19 | 厦门中控智慧信息技术有限公司 | A kind of smart card management method, device and terminal device |
| CN109359970B (en) * | 2018-09-21 | 2021-06-11 | 厦门熵基科技有限公司 | Smart card management method and device and terminal equipment |
| CN113657885A (en) * | 2021-08-19 | 2021-11-16 | 中国银行股份有限公司 | Mobile phone bank off-line collection and payment method and device |
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Application publication date: 20110601 |