CN103065243A

CN103065243A - Mobile wallet provided with dual functions of receipt and payment

Info

Publication number: CN103065243A
Application number: CN201110318246XA
Authority: CN
Inventors: 王晓辰
Original assignee: Individual
Current assignee: Individual
Priority date: 2011-10-19
Filing date: 2011-10-19
Publication date: 2013-04-24

Abstract

The invention discloses a mobile wallet provided with dual functions of receipt and payment. The mobile wallet comprises a cell phone (1), a non-contact information read-in device (2) and an electronic tag (3) containing user information. A user performs transaction of binding a cell phone number with a bank account at a bank with the cell phone number. A payer reads the electronic tag containing the user information of a payee through the non-contact information read-in device, and sends the electronic tag together with own user information, own account password and payment amount to the bank through the cell phone by a mobile operator. After the sent information is verified by the bank and confirmed by the bank and the payer, specified amount of money in the account of the payer is transferred into the account of the payee, and the payer and the payee are informed that transaction between the payee and the payer is successful through short messages. After the mobile wallet is used, transfer payment operation of bank card accounts can be carried out conveniently between the cell phones, and the use range of the mobile wallet is greatly expanded. Besides, the transaction process is actively operated by the payer, so information leakage is prevented, and use is safer and more reliable.

Description

Mobile phone wallet with receipts, pair dual-use function

Technical field the present invention relates to a kind of mobile phone wallet.

Background technology continues, and the card class is paid, network payment, the mobile phone wallet payment is becoming a kind of new commercial means of payment, but mobile phone wallet still is on the aspect of " swiping the card " at present, except can be the user, mobile phone wallet carries out various the paying the fees, the user must rely on the POS machine of businessman to carry out " swiping the card " and finish payment business, more can't utilize the mobile phone wallet business of collecting money, therefore, present mobile phone wallet can't become stored value card truly.

Purpose the purpose of this invention is to provide a kind of mobile phone wallet that has receipts, pays dual-use function, the mobile phone wallet of the bank account transfer payment business of namely mobile phone being carried out with mobile phone.

Summary of the invention for achieving the above object, the mobile phone wallet that the present invention has receipts, pay dual-use function is comprised of mobile phone, non-contact type information reader unit, electronic tag that user profile is housed, user profile can be the identification codes such as cell-phone number or account No., and this cell-phone number has been handled the business of binding with bank account in bank.Paying party reads information (this respect has a lot of proven technique) in the beneficiary electronic tag with non-contact type information reader unit, send to bank by mobile phone through mobile operator together with our user profile, our account password and Payment Amount, bank examines errorless according to transmitted breath and after both sides confirm, designated amounts in the paying party account is changed in the beneficiary account, and inform receipt and payment both sides Transaction Success with note.

After beneficial effect uses this mobile phone wallet, can carry out the transfer payment operation to bank card account easily between mobile phone and the mobile phone, each mobile phone is a holder that the POS machine is again a bank card, and this has just expanded the usable range of mobile phone wallet greatly.In addition, because process of exchange is the paying party active operation, be similar to the operation of transferring accounts in the ATM of bank, avoided the leakage of information, use safer, reliable.

The present invention is further detailed explanation below in conjunction with the drawings and specific embodiments for description of drawings.

Fig. 1 is the schematic diagram that the present invention has the mobile phone wallet of receipts, pair dual-use function.

Fig. 2 is the concrete operational flowchart of mobile phone wallet that the present invention has receipts, pair dual-use function.

The mobile phone wallet of have receipts among embodiment Fig. 1, paying dual-use function is comprised of mobile phone 1, non-contact type information reader unit 2, electronic tag 3 that user profile is housed.Wherein, the electronic tag 3 that user profile is housed is provided by bank, and this user profile can be the identification codes such as cell-phone number or account No., and cell-phone number and Bank Account Number binding, when change occurs the fund of this bank account, bank will notify by mobile operator the cellphone subscriber of binding.

Fig. 2 has provided the concrete operational flowchart of the present invention, and arrow is labeled as the flow process sequence number among the figure.For example: first is bought thing to second, and at first, first is inputted Payment Amount and account password in Party A's mobile phone 1; Party A's mobile phone 1 utilizes non-contact type information reader unit 2 to read the electronic tag that user profile is housed 3 of Party B's mobile phone 4, sees 1.; The information exchanges such as Party B's cell-phone number that Party A's mobile phone 1 obtains with first cell-phone number, first account, Party A's account password, Payment Amount, by the electronic tag 3 that reads the Party B or account No. are crossed telecom operators and are sent to bank, see 2. 3.; Bank is checked according to the information that sends, and after the confirmation, bank informs Party B's Payment Amount and notifies Party B's mobile phone 4 to confirm by telecom operators, sees 4. 5.; Party B's mobile phone 4 sends confirmation through telecom operators to bank, sees 6. 7.; After confirmation is received by bank, the designated amounts of Party A's account is changed in Party B's account, see 8.; Bank uses respectively SMS notification Party A mobile phone 1 and Party B's mobile phone 4 by telecom operators, sees 9. 10. both sides' Transaction Success; If bank's cross-check information not to or the Party B when in setting time is not confirmed transaction, it is unsuccessful that bank will notify both sides to conclude the business.

The electronic tag of Business Information is housed on can the POS machine with businessman, and its system is carried out certain transformation, just can realize the payment business of this stored value card on the POS machine.

Claims

1. one kind has receipts, pay the mobile phone wallet of dual-use function by mobile phone (1), non-contact type information reader unit (2), the electronic tag (3) that user profile is housed forms, and this cell-phone number has been handled the business of binding with bank account in bank, it is characterized in that: paying party reads the electronic tag (3) that beneficiary is equipped with user profile with non-contact type information reader unit (2), together with our user profile, we's account password and Payment Amount send to bank by our mobile phone (1) through mobile operator together, bank examines errorless according to transmitted breath and after both sides confirm, the designated amounts in the paying party account is changed in the beneficiary account and with note inform receipts, pay both sides' Transaction Success.

2. the mobile phone wallet that has receipts, pays dual-use function according to claim 1, it is characterized in that: described user profile can be the identification codes such as user mobile phone number or Bank Account Number.