CN102609836A - Match code checking payment system and match code checking payment method - Google Patents
Match code checking payment system and match code checking payment method Download PDFInfo
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- CN102609836A CN102609836A CN2012100233905A CN201210023390A CN102609836A CN 102609836 A CN102609836 A CN 102609836A CN 2012100233905 A CN2012100233905 A CN 2012100233905A CN 201210023390 A CN201210023390 A CN 201210023390A CN 102609836 A CN102609836 A CN 102609836A
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Abstract
The invention provides a match code checking payment system and a match code checking payment method. The method comprises the following steps: a registered payment user sends payment match code request information containing payment account number, payment amount and identity information of a receiving user to a match code payment background service system through a payment terminal; the match code payment background service system generates the unique payment match code according to the payment match code request information, and feeds back the payment match code to the payment terminal; the registered receiving user acquires the payment match code, and sends payment request transaction information containing receiving account number, payment amount and the payment match code to the payment background service system through a receiving terminal; and the payment background service system checks the payment request transaction information, and transfers fund to the receiving account number if the check is successful. The match code checking payment system and the match code checking payment method can improve the security and realize fund transfer without using a point of sale (POS) machine and passwords.
Description
Technical field
The invention relates to code check and data processing technique, particularly about a kind of to code check payment system and method.
Background technology
Along with the progress of science and technology, mobile phone becomes the carry-on essential items in the people life gradually, and people are more and more stronger for the demand based on the convenient safe payment mode of mobile phone.The mobile-phone payment mode that has realized at present is mainly traditional on-line payment and two kinds of patterns of NFC near-end payment, yet these two kinds of patterns all have a lot of limitation.
Traditional mobile phone on-line payment is based on the smart mobile phone login technique and realizes, Web bank has been transplanted on the mobile phone terminal, binds payer's payment accounts and phone number.When payment transaction took place, bank or third party paid the merchant and inform the payer through SMS, and the extra-code of being imported in this note by the payer is then confirmed this transaction.Because the transmitting-receiving of note can not guarantee reliable in real time and safe enough, therefore this modes of payments is difficult to large-scale promotion and is not suitable for the wholesale payment.
The payment of NFC near-end is the evolutionary approach that conventional P OS machine is swiped the card and paid, and the integrated wireless radio-frequency enabled supports the near-end contact to pay to substitute bank card thereby conventional P OS machine is improved to the POS machine of supporting twireless radio-frequency communication on mobile phone or SIM.This pattern is more more convenient than traditional swiping the card, can not network enabled payment and far-end payment but range of application only limits to the near-end payment.In addition owing to need to dispose expensive novel POS machine equipment, and the claim for payment people is replaced by novel mobile phone or New type of S IM card, and the cost of therefore promoting is very high, and integral body also is in to be explored and promote the stage among a small circle.
Summary of the invention
It is a kind of to code check payment system and method that the present invention provides, and to improve security, is implemented in no POS machine and do not have under the situation of password and realize the transfer of funds.
To achieve these goals; It is a kind of to the code check method of payment that the present invention provides, and this method comprises: the payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message; Described sign indicating number payment background service system is generated unique payment to sign indicating number according to described payment to the sign indicating number solicited message, and described payment is fed back to described payment terminal to sign indicating number; The gathering registered user obtains described payment to sign indicating number, and through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information; Described payment background service system please be verified by the money Transaction Information described, if verify, is then carried out funds transfer to described shroff account number.
Further; The payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message; Comprise: the payment registered user login install on the payment terminal to sign indicating number payment front end system, through said to sign indicating number payment front end system to sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
Further; The payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message; Comprise: the payment registered user sends payment to sign indicating number solicited message to described to sign indicating number payment background service system through the webpage of payment terminal login to sign indicating number payment background service system.
Further; The gathering registered user through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information; Comprise: the gathering registered user login install on the cash receiving terminal to sign indicating number payment gathering front end system, through said please the money Transaction Information to sign indicating number payment gathering front end system to sign indicating number payment background service system is sent.
Further; The gathering registered user through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information; Comprise: the gathering registered user please the money Transaction Information to described sign indicating number payment background service system is sent through the webpage of cash receiving terminal login to sign indicating number payment background service system.
Further; The payment background service system carries out funds transfer to described shroff account number; Comprise: described payment background service system sends the funds transfer instruction to bank or third party's payment system, and described bank or third party's payment system are carried out funds transfer.
Further; Described payment background service system carries out funds transfer to described shroff account number; Comprise: described payment background service system directly carries out funds transfer to shroff account number from the number of the account of said payment background service system, and sends said funds transfer result to described cash receiving terminal and/payment terminal.
Further, after funds transfer was accomplished, bank or third party's payment system were returned the funds transfer result to described payment background service system, and described payment background service system sends said funds transfer result to described cash receiving terminal and/payment terminal.
To achieve these goals; It is a kind of to the code check payment system that the present invention also provides; This system comprises: payment is to the sign indicating number request unit, be used to pay the bill the registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message; Payment is used for according to described payment the sign indicating number solicited message being generated unique payment to sign indicating number, and described payment is fed back to described payment terminal to sign indicating number the sign indicating number generation unit; The gathering request unit is used to obtain described payment to sign indicating number, and through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information; The validation of payment unit is used for please verifying by the money Transaction Information described, if verify, then carries out funds transfer to described shroff account number.
Further, described payment to the sign indicating number request unit specifically be used to login install on the payment terminal to sign indicating number payment front end system, through said to sign indicating number payment front end system to sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
Further, described payment specifically is used for through the webpage of payment terminal login to sign indicating number payment background service system the sign indicating number request unit, to described sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
Further, described gathering request unit specifically be used to login install on the cash receiving terminal to sign indicating number payment gathering front end system, through said please the money Transaction Information to sign indicating number payment gathering front end system to sign indicating number payment background service system is sent.
Further, described gathering request unit specifically is used for through the webpage of cash receiving terminal login to sign indicating number payment background service system, please the money Transaction Information to described sign indicating number payment background service system is sent.
Further, described validation of payment unit specifically is used for sending the funds transfer instruction to bank or third party's payment system, and described bank or third party's payment system are carried out funds transfer.
Further, described validation of payment unit specifically is used for directly carrying out funds transfer from the number of the account of said payment background service system to shroff account number, and sends said funds transfer result to described cash receiving terminal and/payment terminal.
Further; Described system also comprises: feedback unit as a result; Be used for bank or third party's payment system and return the funds transfer result to described payment background service system, described payment background service system sends said funds transfer result to described cash receiving terminal and/payment terminal.
The beneficial effect of the embodiment of the invention is:
The convenient safety again of paying the bill.Just generate payment to sign indicating number by payer's active request; Each payment to sign indicating number only with use once; Can also limit dealing money, limit valid period, limit trading object, just be the equal of to shift to an earlier date norm fund of allocating a fund for its specified purpose all set, greatly submitted transaction security thus to.In whole process of exchange, the payer only need show or inform that payment can accomplish payment to sign indicating number to the payee, no longer need input number of the account, password separately and do secondary and confirm, avoided the risk of number of the account and password leakage.
Gathering is prone to row simply again.As long as the payee has received payment to sign indicating number, just can directly submit to and please the money transaction transfer fund, middle payer's the secondary that no longer needs is confirmed, has simplified transaction flow.The payee need not install POS machine or the single device of special receipts, need not operate Face to face with the payer yet, as long as typing also submits to payment just can cash gathering to sign indicating number behind the login payment front end system, whole process is prone to row simply again.
Trade mode is applied widely.If the payer shows payment to sign indicating number through mobile phone to the payee, accomplish transaction Face to face, then become the mobile phone on-site payment; If payer and payee carry out non-aspectant transaction, the payer informs the payee to payment to sign indicating number through immediate communication tool, mail/letter/modes such as note, and becomes network payment or far-end payment.Therefore this method scope of application is very wide, supports the payment of mobile phone on-site payment and network payment and far-end easily.
Drop into little and be easy to large-scale promotion.In the present invention, need not in the whole process of exchange to drop into or transform the POS machine, also devices such as special chip or less radio-frequency need be installed, only need the receipt and payment both sides to connect background service system and get final product through mobile phone or computer.Whole input is very little, the payment safe and convenient, and it is simple collect money, safe in the process of exchange, suitable in the extreme and be easy to large-scale promotion.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.In the accompanying drawings:
Fig. 1 is that the embodiment of the invention is to code check method of payment process flow diagram;
Fig. 2 is that the embodiment of the invention is to code check payment process synoptic diagram;
Fig. 3 is that the embodiment of the invention is to code check payment system structured flowchart.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention is clearer, the embodiment of the invention is explained further details below in conjunction with accompanying drawing.At this, illustrative examples of the present invention and explanation thereof are used to explain the present invention, but not as to qualification of the present invention.
As shown in Figure 1, it is a kind of to the code check method of payment that present embodiment provides, and this method comprises the steps:
Step S101: the payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message;
Step S102: described sign indicating number payment background service system is generated unique payment to sign indicating number according to described payment to the sign indicating number solicited message, and described payment is fed back to described payment terminal to sign indicating number;
Step S103: the gathering registered user obtains described payment to sign indicating number, and through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information;
Step S104: described payment background service system please be verified by the money Transaction Information described, if verify, is then carried out funds transfer to described shroff account number.
Payment terminal in the flow process shown in Figure 1 and cash receiving terminal can be mobile phone or computing machine, and the receipt and payment both sides need not just can realize the receipt and payment transaction through the PO machine that whole input is very little, safe, convenient, the easy row of paying the bill and collect money.Following will the elaboration as example as payment terminal and cash receiving terminal to use mobile phone.
Before bank settlement, paying party, gathering user all will be in to sign indicating number payment background service system registration and opening an account, log-on message comprises bank or third party's payment system number of the account of both sides' name (or Business Name), cell-phone number, password, binding etc.Multiple modes such as the mode of opening an account can be to open an account in the business hall, computing machine or mobile phone online registration.Opening an account of receipt and payment both sides can be bound all kinds of signs that phone number, ID card No., addresses of items of mail etc. have uniqueness.
During practical implementation, the realization of method shown in Figure 1 mainly by to sign indicating number payment front end system 201, to sign indicating number payment gathering front end system 202,203 systems, three big modules served on sign indicating number payment backstage form, as shown in Figure 2.Payment is the unique voucher of disposable transaction to sign indicating number, and form can be numeric string, character string, one-dimensional bar code, two-dimensional bar or other form.A payment is successfully used once the back just to lose efficacy to sign indicating number, and the next record transaction must be with new payment to sign indicating number.
In step S101; User 204 is through obtaining payment to sign indicating number to sign indicating number payment front end system 201 in payment; Payment user 204 passes through sign indicating number payment front end system 201; To sign indicating number payment background service system 203 being submitted to parameter informations such as necessary number of the account authorization information and optional dealing money, valid period, the other side's identity, by sign indicating number payment background service system 203 is generated a unique payment to sign indicating number to be used for residual.Can be mounted in the commissioner's office's application program in the mobile phone to sign indicating number payment front end system 201, this commissioner's office's application program connects sign indicating number payment background service system through the modes such as 2G/3G/Wifi of mobile phone.To sign indicating number payment front end system 201 also can be the Web web application to sign indicating number payment background service system.So when step S101 implements, can adopt following two kinds of implementations at least:
1, accomplish install on the payment user 204 login mobile phones that registration opens an account to sign indicating number payment front end system 201 (commissioner's office's application program); Through the modes such as 2G/3G/Wifi of sign indicating number payment front end system 201 with mobile phone connected sign indicating number payment background service system 203, to sign indicating number payment background service system 203 is sent payment to the sign indicating number solicited message.
2, accomplish payment user 204 that registration opens an account through the webpage of mobile phone browser login, directly to described sign indicating number payment background service system 203 is sent payment to the sign indicating number solicited message through the internet to sign indicating number payment background service system 203.
To the function of sign indicating number payment front end system 201 mainly comprise login/communication, the new payment of application to sign indicating number, show payment to sign indicating number, managing payment to sign indicating number, inquiry stateful transaction, query history transaction, transaction statistics and analyze etc., but the invention is not restricted to above-mentioned functions.
To sign indicating number payment background service system 203 main be responsible for the payment both sides opening an account with registration management, bind bank or third party's payment system number of the account, generate and return new payment to sign indicating number give payment that sign indicating number payment front end system 201, checking gathering transaction are submitted to sign indicating number, carry out payment bipartite funds transfer, preservation and management historical trading flowing water, return transaction results and give functions such as payment both sides.
Since to use among the step S103 among the step S102 sign indicating number payment background service system 203 is fed back to payment user 204 payment to sign indicating number, so before implementation step S103, gathering user 205 needs obtain this payment to sign indicating number from payment user 204 earlier.This payment can be informed gathering user 205 by payment user 204 in several ways to sign indicating number; Comprise then and there show, orally inform, mobile phone propelling movement, SMS, instant messages, mailing letter, mode such as tell by telephone, the invention is not restricted to the above-mentioned mode of enumerating.
The payment that gathering user 205 is obtained the payer in several ways is to sign indicating number, comprises that the take pictures identification, SMS/phone/letter of the identification of manual typing, bar code scan, bar code informs etc.Gathering user 205 is through to sign indicating number payment gathering front end system 202, based on the payment that obtains to sign indicating number please the money transaction to sign indicating number payment background service system 203 is submitted to (comprise number of the account authorization information and dealing money and payment to sign indicating number etc.).
In step S103; The user is through asking the gathering transaction verifications to sign indicating number payment gathering front end system 202; Can be mounted in the commissioner's office's application program in the mobile phone to sign indicating number payment gathering front end system 202, this commissioner's office's application program connects sign indicating number payment background service system 203 through the modes such as 2G/3G/Wifi of mobile phone.To sign indicating number payment gathering front end system 202 also can be the Web web application of background service system.So when step S103 implements, can adopt following two kinds of implementations at least:
1, accomplish registration open an account install on the gathering user 205 login mobile phones to sign indicating number payment gathering front end system 202 (commissioner's office's application program); Through the modes such as 2G/3G/Wifi of sign indicating number payment gathering front end system 202 with mobile phone connected sign indicating number payment background service system 203, please the money Transaction Information to sign indicating number payment background service system 203 is sent.
2, accomplish registration and open an account gathering user 205 through the webpage of mobile phone login to sign indicating number payment background service system 203, directly please the money Transaction Information to described sign indicating number payment background service system 203 is sent through the internet.
To the major function of sign indicating number payment gathering front end system 202 comprise login/communication, input payment to sign indicating number, submitting to please the money transaction, trade management, inquiry stateful transaction, query history transaction, transaction statistics and analysis etc., but the invention is not restricted to above-mentioned functions.
In step S104, sign indicating number payment background service system 203 at first please be verified by the money Transaction Information what gathering user 205 sent.If verify, will carry out funds transfer by shroff account number.Funds transfer can be the pattern that transfers in advance or transfer pattern in real time.
The pattern of transferring is fund to be transferred to the number of the account to sign indicating number payment background service system 203 from the payment bank that opens an account of user 204 or third party's payment system 206 numbers of the account in advance before transaction by the payer to conclude the business again in advance.Payment background service system 203 directly carries out funds transfer to shroff account number from the number of the account of payment background service system 203, and sends said funds transfer result to cash receiving terminal and/payment terminal.
The pattern of transferring is to carry out transferring in real time of fund the logical at that time of transaction from bank or third party's payment system 206 of binding in real time.Payment background service system 203 sends the funds transfer instruction to bank or third party's payment system, and bank or third party's payment system are carried out funds transfer.After funds transfer was accomplished, bank or third party's payment system need be returned the funds transfer result to payment background service system 203, and the payment background service system sends the funds transfer result to gathering user's 205 mobile phone and/payment user's 204 mobile phone.Advance among Fig. 3 is that example illustrates to draw pattern in real time only.
Can know that by above-mentioned analysis the present invention can be divided into two stages with payment transaction, the implementation phase of payment transaction that the payment that the user 204 of promptly paying the bill initiates is initiated sign indicating number generation phase and gathering user 205.
The payment of initiating payment user 204 is to the sign indicating number generation phase; Payment user 204 login be installed on the smart mobile phone to sign indicating number payment front end system 201, require this moment sign indicating number payment front end system 201 is connected to sign indicating number payment background service system 203 through networks such as 2G/3G/Wifi smoothly.Payment user 204 need set the relationship trading parameter of payment to sign indicating number, mainly comprises dealing money restriction, optionally valid expiration date restriction, optional trading object restriction etc.201 pairs of sign indicating number payments are submitted to newly to tackle to background service system 203 sign indicating number are generated request to sign indicating number payment front end payment system, mainly comprise in the solicited message being not limited to account information and various optional parameter transaction.Identity information to the sign indicating number payment background service system checking payer of 203 elder generations generates a new unique payment then to sign indicating number, and this all is kept in the background server database sign indicating number and relevant optional parameter transaction information.Sign indicating number payment background service system 203 is returned this new payment give payment front end system 201 sign indicating number; The payment user 204 can see immediately this payment to sign indicating number and can with it be used for the back payment transaction, the user 204 that perhaps pays the bill can continue to require to generate the new payment of next bar to sign indicating number.When paying the transaction beginning, payment user 204 shows that to gathering user 205 this payment is to sign indicating number.If as seen; Can payment be given gathering user 205 or carry out mobile phone with presented such as numeric string, character string, bar code, two-dimensional bar codes sign indicating number to push, obtain this payment to sign indicating number with modes such as manual typing, bar-code identification, mobile phone propelling movements by gathering user 205; If non-at-scene transaction, can through tell by telephone, modes such as mobile phone propelling movement, SMS, instant messages, mailing letter inform gathering user 205.Payment user 204 generates disposable payment as required on one's own initiative to sign indicating number, and gathering user 205 has obtained this and just can connect background service system to sign indicating number and cash gathering, and the user 204 that no longer need pay the bill carries out password input or secondary affirmation.
The implementation phase of the payment transaction of gathering user 205 initiations, gathering user 205 logins are to sign indicating number payment gathering front end system 202.Can be mounted on the smart mobile phone application program that connects background service system through 2G/3G/Wifi to sign indicating number payment gathering front end system 202, also can be the directly Web application through the Internet connection background service system.Gathering user 205 is the input dealing money earlier, and importing that payment that the payer shows submits to after to sign indicating number please the money transaction again, comprises in please the money Transaction Information being not limited to number of the account authorization information, dealing money, payment to sign indicating number etc.If the payment that can the be direct manual typing payment of gathering user 205 user 204 informs is to sign indicating number, perhaps the payment through scanner or take pictures identification bar code or two-dimensional bar code form perhaps pushes through mobile phone and directly obtains this payment to sign indicating number sign indicating number.To sign indicating number payment background service system 203 receive please the money transaction request after; The user's 205 of checking gathering earlier identity; To ask dealing money, payment in the money transaction that information such as sign indicating number are verified with the relevant information of preserving in advance then, after verifying successfully, carry out funds transfer.The funds transfer mode is not limited to from payer's account balance, directly transfer to the account payee, perhaps pays the merchant from the bank of binding to both sides or third party and initiates to transfer instruction.After successfully transferring fund, sign indicating number payment background service system 203 tackled this sign indicating number is changed to the information of using and preserving Transaction Success, return then that transaction results information is given gathering user 205 and/or the user 204 that pays the bill.Paying both sides this moment respectively can be from seeing transaction results to sign indicating number payment front end system 201 with to sign indicating number payment gathering front end system 202, and can obtain the notice of forms such as corresponding note or mail.
The beneficial effect of present embodiment is:
The convenient safety again of paying the bill.Just generate payment to sign indicating number by payer's active request; Each payment to sign indicating number only with use once; Can also limit dealing money, limit valid period, limit trading object, just be the equal of to shift to an earlier date norm fund of allocating a fund for its specified purpose all set, greatly submitted transaction security thus to.In whole process of exchange, the payer only need show or inform that payment can accomplish payment to sign indicating number to the payee, no longer need input number of the account, password separately and do secondary and confirm, avoided the risk of number of the account and password leakage.
Gathering is prone to row simply again.As long as the payee has received payment to sign indicating number, just can directly submit to and please the money transaction transfer fund, middle payer's the secondary that no longer needs is confirmed, has simplified transaction flow.The payee need not install POS machine or the single device of special receipts, need not operate Face to face with the payer yet, as long as typing also submits to payment just can cash gathering to sign indicating number behind the login payment front end system, whole process is prone to row simply again.
Trade mode is applied widely.If the payer shows payment to sign indicating number through mobile phone to the payee, accomplish transaction Face to face, then become the mobile phone on-site payment; If payer and payee carry out non-aspectant transaction, the payer informs the payee to payment to sign indicating number through immediate communication tool, mail/letter/modes such as note, and becomes network payment or far-end payment.Therefore this method scope of application is very wide, supports the payment of mobile phone on-site payment and network payment and far-end easily.
Drop into little and be easy to large-scale promotion.In the present invention, need not in the whole process of exchange to drop into or transform the POS machine, also devices such as special chip or less radio-frequency need be installed, only need the receipt and payment both sides to connect background service system and get final product through mobile phone or computer.Whole input is very little, the payment safe and convenient, and it is simple collect money, safe in the process of exchange, suitable in the extreme and be easy to large-scale promotion.
As shown in Figure 3, it is a kind of to the code check payment system that present embodiment provides, and this system comprises: payment is paid to sign indicating number generation unit 302 gathering request unit 303 and validation of payment unit 304 to sign indicating number request unit 301.
Payment to sign indicating number request unit 301 be used to pay the bill the registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message;
Payment is used for according to described payment the sign indicating number solicited message being generated unique payment to sign indicating number to sign indicating number generation unit 302, and described payment is fed back to described payment terminal to sign indicating number;
Validation of payment unit 304 is used for please verifying by the money Transaction Information described, if verify, then carries out funds transfer to described shroff account number.
Fig. 3 in the code check payment system, payment terminal and cash receiving terminal can be mobile phone or computing machine, the receipt and payment both sides need not just can realize receipt and payment transaction through the PO machine, whole input is very little, pay the bill and collect money safe, convenient, be prone to row.Following will the elaboration as example as payment terminal and cash receiving terminal to use mobile phone.
Before bank settlement, paying party, gathering user all will be in to sign indicating number payment background service system registration and opening an account, log-on message comprises bank or third party's payment system number of the account of both sides' name (or Business Name), cell-phone number, password, binding etc.Multiple modes such as the mode of opening an account can be to open an account in the business hall, computing machine or mobile phone online registration.Opening an account of receipt and payment both sides can be bound all kinds of signs that phone number, ID card No., addresses of items of mail etc. have uniqueness.
Fig. 3 in the code check payment system; User 204 is through obtaining payment to sign indicating number to sign indicating number payment front end system 201 in payment; And pass through sign indicating number payment front end system 201; To sign indicating number payment background service system 203 being submitted to parameter informations such as necessary number of the account authorization information and optional dealing money, valid period, the other side's identity, by sign indicating number payment background service system 203 is generated a unique payment to sign indicating number to be used for residual.Can be mounted in the commissioner's office's application program in the mobile phone to sign indicating number payment front end system 201, this commissioner's office's application program connects sign indicating number payment background service system through the modes such as 2G/3G/Wifi of mobile phone.To sign indicating number payment front end system 201 also can be the Web web application to sign indicating number payment background service system.So payment can be adopted following two kinds of implementations to send at least to sign indicating number request unit 301 and pay the sign indicating number solicited message:
1, accomplish install on the payment user 204 login mobile phones that registration opens an account to sign indicating number payment front end system 201 (commissioner's office's application program); Through the modes such as 2G/3G/Wifi of sign indicating number payment front end system 201 with mobile phone connected sign indicating number payment background service system 203, to sign indicating number payment background service system 203 is sent payment to the sign indicating number solicited message.
2, accomplish payment user 204 that registration opens an account through the webpage of mobile phone browser login, directly to described sign indicating number payment background service system 203 is sent payment to the sign indicating number solicited message through the internet to sign indicating number payment background service system 203.
To the function of sign indicating number payment front end system 201 mainly comprise login/communication, the new payment of application to sign indicating number, show payment to sign indicating number, managing payment to sign indicating number, inquiry stateful transaction, query history transaction, transaction statistics and analyze etc., but the invention is not restricted to above-mentioned functions.
To sign indicating number payment background service system 203 main be responsible for the payment both sides opening an account with registration management, bind bank or third party's payment system number of the account, generate and return new payment to sign indicating number give payment that sign indicating number payment front end system 201, checking gathering transaction are submitted to sign indicating number, carry out payment bipartite funds transfer, preservation and management historical trading flowing water, return transaction results and give functions such as payment both sides.
The payment that gathering user 205 is obtained the payer in several ways is to sign indicating number, comprises that the take pictures identification, SMS/phone/letter of the identification of manual typing, bar code scan, bar code informs etc.Gathering user 205 is through to sign indicating number payment gathering front end system 202, based on the payment that obtains to sign indicating number please the money transaction to sign indicating number payment background service system 203 is submitted to (comprise number of the account authorization information and dealing money and payment to sign indicating number etc.).
The user is through asking the gathering transaction verifications to sign indicating number payment gathering front end system 202; Can be mounted in the commissioner's office's application program in the mobile phone to sign indicating number payment gathering front end system 202, this commissioner's office's application program connects sign indicating number payment background service system 203 through the modes such as 2G/3G/Wifi of mobile phone.To sign indicating number payment gathering front end system 202 also can be the Web web application of background service system.So can adopting following dual mode to send at least, gathering request unit 303 asks the money Transaction Information:
1, accomplish registration open an account install on the gathering user 205 login mobile phones to sign indicating number payment gathering front end system 202 (commissioner's office's application program); Through the modes such as 2G/3G/Wifi of sign indicating number payment gathering front end system 202 with mobile phone connected sign indicating number payment background service system 203, please the money Transaction Information to sign indicating number payment background service system 203 is sent.
2, accomplish registration and open an account gathering user 205 through the webpage of mobile phone login to sign indicating number payment background service system 203, directly please the money Transaction Information to described sign indicating number payment background service system 203 is sent through the internet.
To the major function of sign indicating number payment gathering front end system 202 comprise login/communication, input payment to sign indicating number, submitting to please the money transaction, trade management, inquiry stateful transaction, query history transaction, transaction statistics and analysis etc., but the invention is not restricted to above-mentioned functions.
Validation of payment unit 304 at first please be verified by the money Transaction Information what gathering user 205 sent.If verify, will carry out funds transfer by shroff account number.Funds transfer can be the pattern that transfers in advance or transfer pattern in real time.
The pattern of transferring is fund to be transferred to the number of the account to sign indicating number payment background service system 203 from the payment bank that opens an account of user 204 or third party's payment system number of the account in advance before transaction by the payer to conclude the business again in advance.Payment background service system 203 directly carries out funds transfer to shroff account number from the number of the account of payment background service system 203, and sends said funds transfer result to cash receiving terminal and/payment terminal.
The pattern of transferring is to carry out transferring in real time of fund the logical at that time of transaction from bank or third party's payment system of binding in real time.Payment background service system 203 sends the funds transfer instruction to bank or third party's payment system, and bank or third party's payment system are carried out funds transfer.Fig. 3 also comprises feedback unit 305 as a result to the code check payment system; Be used for bank or third party's payment system and sign indicating number payment background service system 203 returned the funds transfer result, sign indicating number payment background service system 203 is sent said funds transfer result to described cash receiving terminal and/payment terminal to described.After funds transfer was accomplished, bank or third party's payment system need be returned the funds transfer result to payment background service system 203, and the payment background service system sends the funds transfer result to gathering user's 205 mobile phone and/payment user's 204 mobile phone.Advance among Fig. 3 is that example illustrates to draw pattern in real time only.
The beneficial effect of present embodiment is:
The convenient safety again of paying the bill.Just generate payment to sign indicating number by payer's active request; Each payment to sign indicating number only with use once; Can also limit dealing money, limit valid period, limit trading object, just be the equal of to shift to an earlier date norm fund of allocating a fund for its specified purpose all set, greatly submitted transaction security thus to.In whole process of exchange, the payer only need show or inform that payment can accomplish payment to sign indicating number to the payee, no longer need input number of the account, password separately and do secondary and confirm, avoided the risk of number of the account and password leakage.
Gathering is prone to row simply again.As long as the payee has received payment to sign indicating number, just can directly submit to and please the money transaction transfer fund, middle payer's the secondary that no longer needs is confirmed, has simplified transaction flow.The payee need not install POS machine or the single device of special receipts, need not operate Face to face with the payer yet, as long as typing also submits to payment just can cash gathering to sign indicating number behind the login payment front end system, whole process is prone to row simply again.
Trade mode is applied widely.If the payer shows payment to sign indicating number through mobile phone to the payee, accomplish transaction Face to face, then become the mobile phone on-site payment; If payer and payee carry out non-aspectant transaction, the payer informs the payee to payment to sign indicating number through immediate communication tool, mail/letter/modes such as note, and becomes network payment or far-end payment.Therefore this method scope of application is very wide, supports the payment of mobile phone on-site payment and network payment and far-end easily.
Drop into little and be easy to large-scale promotion.In the present invention, need not in the whole process of exchange to drop into or transform the POS machine, also devices such as special chip or less radio-frequency need be installed, only need the receipt and payment both sides to connect background service system and get final product through mobile phone or computer.Whole input is very little, the payment safe and convenient, and it is simple collect money, safe in the process of exchange, suitable in the extreme and be easy to large-scale promotion.
Above-described specific embodiment; The object of the invention, technical scheme and beneficial effect have been carried out further explain, and institute it should be understood that the above is merely specific embodiment of the present invention; And be not used in qualification protection scope of the present invention; All within spirit of the present invention and principle, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (16)
1. one kind to the code check method of payment, it is characterized in that described method comprises:
The payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message;
Described sign indicating number payment background service system is generated unique payment to sign indicating number according to described payment to the sign indicating number solicited message, and described payment is fed back to described payment terminal to sign indicating number;
The gathering registered user obtains described payment to sign indicating number, and through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information;
Described payment background service system please be verified by the money Transaction Information described, if verify, is then carried out funds transfer to described shroff account number.
2. based on the described method of claim 1, it is characterized in that, the payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message, comprising:
The payment registered user login install on the payment terminal to sign indicating number payment front end system, through said to sign indicating number payment front end system to sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
3. based on the described method of claim 1, it is characterized in that, the payment registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message, comprising:
The payment registered user sends payment to sign indicating number solicited message to described to sign indicating number payment background service system through the webpage of payment terminal login to sign indicating number payment background service system.
4. according to claim 2 or 3 described methods, it is characterized in that, the gathering registered user through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information, comprising:
The gathering registered user login install on the cash receiving terminal to sign indicating number payment gathering front end system, through said please the money Transaction Information to sign indicating number payment gathering front end system to sign indicating number payment background service system is sent.
5. according to claim 2 or 3 described methods, it is characterized in that, the gathering registered user through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information, comprising:
The gathering registered user please the money Transaction Information to described sign indicating number payment background service system is sent through the webpage of cash receiving terminal login to sign indicating number payment background service system.
6. method according to claim 1; It is characterized in that; Described payment background service system carries out funds transfer to described shroff account number; Comprise: described payment background service system sends the funds transfer instruction to bank or third party's payment system, and described bank or third party's payment system are carried out funds transfer.
7. method according to claim 1; It is characterized in that; Described payment background service system carries out funds transfer to described shroff account number; Comprise: described payment background service system directly carries out funds transfer to shroff account number from the number of the account of said payment background service system, and sends said funds transfer result to described cash receiving terminal and/payment terminal.
8. method according to claim 6; It is characterized in that; After funds transfer is accomplished; Bank or third party's payment system are returned the funds transfer result to described payment background service system, and described payment background service system sends said funds transfer result to described cash receiving terminal and/payment terminal.
9. one kind to the code check payment system, it is characterized in that described system comprises:
Payment is to the sign indicating number request unit, be used to pay the bill the registered user through payment terminal to sign indicating number payment background service system is sent comprise payment accounts, the amount of money and gathering subscriber identity information payment to the sign indicating number solicited message;
Payment is used for according to described payment the sign indicating number solicited message being generated unique payment to sign indicating number, and described payment is fed back to described payment terminal to sign indicating number the sign indicating number generation unit;
The gathering request unit is used to obtain described payment to sign indicating number, and through cash receiving terminal to described payment background service system send comprise shroff account number, the amount of money and said payment to sign indicating number please the money Transaction Information;
The validation of payment unit is used for please verifying by the money Transaction Information described, if verify, then carries out funds transfer to described shroff account number.
10. system according to claim 9; It is characterized in that; Described payment to the sign indicating number request unit specifically be used to login install on the payment terminal to sign indicating number payment front end system, through said to sign indicating number payment front end system to sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
11. system according to claim 9; It is characterized in that; Described payment specifically is used for through the webpage of payment terminal login to sign indicating number payment background service system the sign indicating number request unit, to described sign indicating number payment background service system is sent payment to the sign indicating number solicited message.
12. according to claim 10 or 11 described systems; It is characterized in that; Described gathering request unit specifically be used to login install on the cash receiving terminal to sign indicating number payment gathering front end system, through said please the money Transaction Information to sign indicating number payment gathering front end system to sign indicating number payment background service system is sent.
13., it is characterized in that described gathering request unit specifically is used for through the webpage of cash receiving terminal login to sign indicating number payment background service system based on claim 10 or 11 described systems, please the money Transaction Information to described sign indicating number payment background service system is sent.
14. system according to claim 9 is characterized in that, described validation of payment unit specifically is used for sending the funds transfer instruction to bank or third party's payment system, and described bank or third party's payment system are carried out funds transfer.
15. system according to claim 9; It is characterized in that; Described validation of payment unit specifically is used for directly carrying out funds transfer from the number of the account of said payment background service system to shroff account number, and sends said funds transfer result to described cash receiving terminal and/payment terminal.
16. system according to claim 14 is characterized in that, described system also comprises:
Feedback unit is used for bank or third party's payment system and returns the funds transfer result to described payment background service system as a result, and described payment background service system sends said funds transfer result to described cash receiving terminal and/payment terminal.
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| CN2012100233905A CN102609836A (en) | 2012-02-02 | 2012-02-02 | Match code checking payment system and match code checking payment method |
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Application publication date: 20120725 |