CN102542691A - Method and system for realizing bank card transaction between mobile phones in point-to-point way - Google Patents
Method and system for realizing bank card transaction between mobile phones in point-to-point way Download PDFInfo
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- CN102542691A CN102542691A CN2011104582794A CN201110458279A CN102542691A CN 102542691 A CN102542691 A CN 102542691A CN 2011104582794 A CN2011104582794 A CN 2011104582794A CN 201110458279 A CN201110458279 A CN 201110458279A CN 102542691 A CN102542691 A CN 102542691A
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- 238000010295 mobile communication Methods 0.000 description 8
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Abstract
The invention discloses a method and system for realizing bank card transaction between mobile phones in a point-to-point way. The method comprises the following steps that: firstly, a consumption mobile phone sends transaction information and unique identification information stored in a mobile phone card to a transaction information switching server; the transaction information switching server judges and identifies the unique identification information, and if the unique identification information is accurate, the transaction information switching server converts the unique identification information into a mobile phone number and sends the mobile phone number and the transaction information to a bank withholding system; and the bank withholding system sends the transaction information to a mobile phone of a merchant, and if the merchant confirms the transaction, the bank withholding system finds a bank card bound together with the mobile phone number to finish the withholding of the bank card and end the transaction. By using the method and system, operation for the transaction between the consumption mobile phone and the mobile phone of the merchant is directly carried out, so that a third-party platform is omitted, the operation steps of the transaction are simplified, and the transaction can be more rapidly finished.
Description
Technical field
The present invention relates to bank card transaction method and system, be specially the method and system of point-to-point realization bank card business dealing between a kind of mobile phone.
Background technology
Along with development of Communication Technique; Especially the fast development of high-speed radiocommunication 3G, 4G technology; Traditional relatively wire communication position relative fixed, radio communication has flexibly, the advantage of no space constraint, therefore uses radio communication can progressively replace the business that tradition uses wire communication to carry out.As: use at present that Web bank transfers accounts, shopping at network, diverse network consumption such as supplement with money, pay the fees; Has quick and easy advantage though pay in cash relatively; But it must depend on computing machine, especially when bank settlement, also must use the authentication information such as digital certificate of banking recognition; Therefore must carry computing machine and bank card digital certificate, otherwise also can't realize the transaction of Web bank.
Development along with mobile phone; The use mobile phone realizes that through the mode of radio communication the bank card payment embodies the superiority of its " at any time, everywhere "; Realize the dual mode that mainly contains of mobile-phone payment at present now: the one, write in the mobile phone through the magnetic track information or the required key information of bank transaction of customization mobile phone bank card; Through transmitting magnetic track information and key information, accomplish the transaction that is similar to bank card, in the method to appointed bank; Used mobile phone must be the mobile phone that is customized with bank; With the modern the personalized demand of mobile phone is disagreed fully, this scheme often can only write the magnetic track information of a tame bank simultaneously, can not satisfy the demand that present user uses how tame bank to pay.The 2nd, deposit payment through the stored value card circle, this mode is that the user passes through rechargeable card, or the form of supplementing with money on the line directly supplements with money in cell-phone number, is that trade company carries out collection charges by mobile phone operators then, promptly from cell-phone number, takes off expense.This mode makes mobile phone operators have ultra scope to manage the suspicion of financial business, and can't realize big amount payment (such as: China Mobile's mobile-phone payment).Above-mentioned existing hand set paying method must pass through third-party consumption platform, as: in market shopping commonly used, initiate transaction through the POS machine, and return transaction results; In the process of exchange, keep in service on the net through the fund that third party's platforms such as Alipay provide.Through third-party consumption platform, process of exchange is complicated, as: before transaction; Both sides must consume the platform login account the third party simultaneously, when transaction, must supplement with money this login account through Web bank or other mode of supplementing with money again; Can tranaction costs be changed in the 3rd platform after must consuming all authentications of platform through the third party in addition, treat closing the transaction at last after, after consumer (buyer) receives that goods is accomplished transaction; Must consume confirming that platform concludes the business and accomplish the third party again, though this method security is higher, when simply concluding the business; Seem too loaded down with trivial details, be unfavorable for that both parties accomplish transaction quick, fastly.And when using third party's platform to conclude the business through mobile phone, also there is inconvenience in the use of digital certificate, when using the U-KEY digital certificate of Construction Bank, be USB interface mostly, just is unfavorable for that mobile phone operates at this moment.
Summary of the invention
The object of the invention is to overcome the deficiency of above-mentioned prior art and a kind of method through mobile phone realization bank card business dealing is provided, and this method may further comprise the steps:
The method of point-to-point realization bank card business dealing between the mobile phone may further comprise the steps:
1) the consumption mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to said unique identification information, if this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then gets into next step;
3) the Transaction Information adapter coupling servers converts described unique identification information the cell-phone number of said consumption mobile phone into, and this cell-phone number and Transaction Information are sent to the system that withholds of bank;
4) system that withholds of bank sends Transaction Information to the trade company mobile phone, and like trade company's this transaction that confirms phone, then bank's system looks of withholing goes out the bank card of binding with said consumption cell-phone number, and completion is withholdd closing the transaction to this bank card.
In technique scheme, said unique identification information is for using two magnetic track information ciphered data information.
The present invention also provides a kind of system through mobile phone realization bank card business dealing, comprising:
The consumption mobile phone is used for the unique identification information that Transaction Information and mobile phone card store is sent to the Transaction Information adapter coupling servers;
The Transaction Information adapter coupling servers; Be used to receive said Transaction Information and unique identification information, and said unique identification information is judged identification, the unique identification information of mistake is returned said consumption mobile phone; Convert correct unique identification information the cell-phone number of said consumption mobile phone into, and this cell-phone number is sent out;
Trade company's mobile phone is used to receive Transaction Information, and sends the affirmation information to this Transaction Information;
The system that withholds of bank is used for Transaction Information is sent to described trade company mobile phone, receives the affirmation information that trade company's mobile phone sends, and according to the bank card that said consumption cell-phone number is bound, accomplishes withholing to this bank card.
Further, said unique identification information is for using two magnetic track information ciphered data information.
The present invention will accomplish the binding of following information: at first, locate the unique corresponding binding of this unique identification information and cell-phone number in mobile communication carrier, and put on record in mobile communication carrier's completion.Then,, and accomplish in bank and to put on record of the corresponding binding of this cell-phone number in bank with bank card.With promptly being implemented in putting on record of mobile communication carrier and bank's completion authentication after unique identification information and the corresponding one by one binding of cell-phone number, cell-phone number and bank card.When transaction; The consumption mobile phone only needs Transaction Information and unique identification information are sent to the authentication that the Transaction Information adapter coupling servers is bound; After authentication; The Transaction Information adapter coupling servers will be sent to trade company's mobile phone, trade company confirm should transaction after, the affirmation information of sending to the Transaction Information adapter coupling servers.The bank card that the Transaction Information adapter coupling servers is bound according to cell-phone number is again accomplished withholing to this bank card.Accomplish transaction.
The present invention has the following advantages:
1, the present invention only need transmission information can accomplish transaction between consumption mobile phone and trade company's mobile phone, need not through the third party.
2, the present invention accomplishes binding in mobile communication carrier and bank, can get final product through mobile phone transmission information, only needs the binding information authentication through mobile communication carrier; After the authentication; Bank can accomplish transaction, and realizes withholing or transferring accounts, and it is simple to operate; Performing step is quick, and process of exchange safety.
Description of drawings
Fig. 1 is the method flow diagram of point-to-point realization bank card business dealing between the mobile phone of the present invention.
Fig. 2 is the system architecture diagram through point-to-point realization bank card business dealing between the mobile phone.
Embodiment
Below in conjunction with accompanying drawing and specific embodiment the present invention is further described.
As shown in Figure 1, realize that through mobile phone the method for bank card business dealing may further comprise the steps:
S101: consumption mobile phone (buyer's mobile phone) will be sent to the Transaction Information adapter coupling servers through the method that note, mobile phone client software and other mobile phone send information with the unique identification information that stores in Transaction Information and this consumption mobile phone card.
S102: the Transaction Information adapter coupling servers is judged identification to said unique identification information and the data of putting on record at the mobile operator place; If this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then carries out next step.
S103: the Transaction Information adapter coupling servers converts described unique identification information into the consumption mobile phone corresponding consumption cell-phone number of binding, and should consume cell-phone number and Transaction Information and be sent to the system that withholds of bank.
S104: the system that withholds of bank sends Transaction Information to trade company's mobile phone, comprises trading object, the amount of money, time etc.
S105: whether trade company confirms to conclude the business correct, as correctly then sending confirmation to the system that withholds of bank, gets into next step.If mistake, then trade company gets in touch to confirm that consumption user repeats above-mentioned step once more with consumption user.
S106: bank withholds, and system looks goes out and the bank card of consumption cell-phone number binding, to withholing of this bank card, accomplishes transaction.
As shown in Figure 2, the system through point-to-point realization bank card business dealing between the mobile phone comprises consumption mobile phone 201, Transaction Information adapter coupling servers 202, bank withhold system 203 and trade company's mobile phone 204.
Unique identification information in storing in the consumption mobile phone 201, and carry out the binding of cell-phone number and this unique identification information at the mobile communication carrier place, and completion is put on record.Be equipped with to Transaction Information adapter coupling servers 202 in the consumption mobile phone 201 and send the client software of information.
Transaction Information adapter coupling servers 203 receives Transaction Information and the unique identification information that consumption mobile phone 201 sends; And the data message that unique identification information and mobile communication carrier put on record judged identification, if this then is back to consumption mobile phone 201 with the unique identification information mistake; Then convert unique identification information into its corresponding cell-phone number of binding if this unique identification information is correct, and this cell-phone number and Transaction Information thereof are sent to the system 203 that withholds of bank.
Bank withholds after system 203 receives the cell-phone number and Transaction Information thereof that Transaction Information adapter coupling servers 202 sends; Send the All Activity information of this transaction to trade company's mobile phone 204; Trade company receives to confirm whether it is correct behind this Transaction Information, if correctly then send confirmations to the system 206 that withholds of bank, if mistake; After then must confirming to conclude the business with consumption user, consumption user repeats above-mentioned step once more.
The corresponding bank card of binding of cell-phone number is sought by the system 203 that withholds of bank in the filing database of bank, to withholing of this bank card, accomplish transaction.As required, the system 204 that withholds of bank can also be sent to the details of transaction respectively consumption mobile phone 201 and trade company's mobile phone 204.
System architecture of the present invention is simple, carries out the corresponding binding of cell-phone number and unique identification information in mobile communication carrier, accomplishes and puts on record in the data of mobile operator; Simultaneously cell-phone number and bank card are carried out corresponding binding, and accomplish and put on record in the data of bank.Whether through 202 pairs of cell-phone numbers of Transaction Information adapter coupling servers and unique identification information is thereby that the information of corresponding binding is judged the authentication that realizes the consumption cell-phone number; And the cell-phone number through authentication is sent to the system 203 that withholds of bank, bank's bank cards that system 203 directly binds according to this cell-phone number transaction such as deduct fees, transfer accounts of withholing.The operation that the present invention directly concludes the business between consumption mobile phone and trade company's mobile phone; Saved third party's platform; Simplified the operation steps of transaction, transaction is accomplished more efficiently, and in process of exchange; With cell-phone number and unique identification information and bank card binding, its verification process is simple, safety through respectively.
For the safety that guarantees to conclude the business, used unique identification information all uses two magnetic track information ciphered data information among the present invention.
Claims (4)
1. the method for point-to-point realization bank card business dealing between the mobile phone is characterized in that, may further comprise the steps:
1) the consumption mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to said unique identification information, if this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then gets into next step;
3) the Transaction Information adapter coupling servers converts described unique identification information the cell-phone number of said consumption mobile phone into, and this cell-phone number and Transaction Information are sent to the system that withholds of bank;
4) system that withholds of bank sends Transaction Information to the trade company mobile phone, and like trade company's this transaction that confirms phone, then bank's system looks of withholing goes out the bank card of binding with said consumption cell-phone number, and completion is withholdd closing the transaction to this bank card.
2. the method through mobile phone realization bank card business dealing according to claim 1 is characterized in that: said unique identification information is for using two magnetic track information ciphered data information.
3. the system through mobile phone realization bank card business dealing is characterized in that, comprising:
The consumption mobile phone is used for the unique identification information that Transaction Information and mobile phone card store is sent to the Transaction Information adapter coupling servers;
The Transaction Information adapter coupling servers; Be used to receive said Transaction Information and unique identification information, and said unique identification information is judged identification, the unique identification information of mistake is returned said consumption mobile phone; Convert correct unique identification information the cell-phone number of said consumption mobile phone into, and this cell-phone number is sent out;
Trade company's mobile phone is used to receive Transaction Information, and sends the affirmation information to this Transaction Information;
The system that withholds of bank is used for Transaction Information is sent to described trade company mobile phone, receives the affirmation information that trade company's mobile phone sends, and according to the bank card that said consumption cell-phone number is bound, accomplishes withholing to this bank card.
4. the system through mobile phone realization bank card business dealing according to claim 3 is characterized in that: said unique identification information is for using two magnetic track information ciphered data information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110458279.4A CN102542691B (en) | 2011-12-31 | 2011-12-31 | Method for realizing bank card transaction between mobile phones in point-to-point way |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201110458279.4A CN102542691B (en) | 2011-12-31 | 2011-12-31 | Method for realizing bank card transaction between mobile phones in point-to-point way |
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| CN102542691A true CN102542691A (en) | 2012-07-04 |
| CN102542691B CN102542691B (en) | 2013-09-18 |
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| WO2015180496A1 (en) * | 2014-05-29 | 2015-12-03 | Tencent Technology (Shenzhen) Company Limited | Method and system for loading application-specific interfaces in a social networking application |
| CN108399543A (en) * | 2018-01-23 | 2018-08-14 | 阿里巴巴集团控股有限公司 | Binding method, method for evaluating trust, device and the electronic equipment of Payment Card |
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| US10630807B2 (en) | 2014-05-29 | 2020-04-21 | Tencent Technology (Shenzhen) Company Limited | Method and system for loading application- specific interfaces in a social networking application |
| CN108399543A (en) * | 2018-01-23 | 2018-08-14 | 阿里巴巴集团控股有限公司 | Binding method, method for evaluating trust, device and the electronic equipment of Payment Card |
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| CN102542691B (en) | 2013-09-18 |
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Effective date of registration: 20231007 Address after: 430030 1806, 18th Floor, Tianjiao International Building, Baofeng Road, Qiaokou District, Wuhan City, Hubei Province Patentee after: Hubei Miaofen Technology Co.,Ltd. Address before: 430074 Dingye Building 431, International Enterprise Center, No. 1 Guanggu Avenue, Donghu High tech Development Zone, Wuhan City, Hubei Province Patentee before: WUHAN YINXUN TECHNOLOGY DEVELOPMENT Co.,Ltd. |
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