CN104008479A - Payment system for payment receiving and payment through mobile phones and corresponding method - Google Patents
Payment system for payment receiving and payment through mobile phones and corresponding method Download PDFInfo
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- CN104008479A CN104008479A CN201310067268.2A CN201310067268A CN104008479A CN 104008479 A CN104008479 A CN 104008479A CN 201310067268 A CN201310067268 A CN 201310067268A CN 104008479 A CN104008479 A CN 104008479A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
A payment system for payment receiving and payment through mobile phones and a corresponding method are disclosed. The system comprises a Hong Kong Bank of China RMB international settlement center (1), a payer bank (2), a payee bank (3), a payment mobile phone (4) and a payment receiving mobile phone (5). During payment, the Hong Kong Bank of China RMB international settlement center (1) generates a payment code according to the amount of payment and other data and transmits the payment code to the payment mobile phone (4), a payer directly transmits the payment code to the payment receiving mobile phone (5) through the payment mobile phone (4), and the payment receiving mobile phone (5) transmits the payment code to the Hong Kong Bank of China RMB international settlement center (1) for verification. During settlement, payment is received from a bank account of the payer and deposited in a bank account of a payee. Payment between the payer and the payee can be performed through interactive operation via the mobile phones, and both the two parties can feel real payment and payment receiving operations, and the payer and the payee do not feel uncertain.
Description
[technical field]
The present invention relates to financial payment technology, particularly relate to a kind of payment system and correlation method that utilizes mobile phone gathering payment.
[background technology]
Current general mobile-phone payment, the payment of most applications between user and trade company, and be applied between user and user pay, normally by payment user, by its mobile phone, fund is forwarded to gathering user's bank account, in whole payment process, between payment user and gathering user, do not have direct interactive operation, gathering user can not determine that the received money of its bank account is sent by this payment user, cause payment user and gathering user both sides psychology not steady and sure, affected the confidence that both sides use mobile-phone payment, to promoting mobile-phone payment, cause obstacle, be one and have problem to be solved.
[summary of the invention]
Object of the present invention, is to provide a kind of payment system and correlation method that utilizes mobile phone gathering payment, can solve the above problems, and realizes the multiple application in mobile-phone payment.
The object of the present invention is achieved like this, adopt a kind of like this payment system of utilizing mobile phone gathering payment, it is characterized in that, described system includes Hong Kong Bank of China Renminbi international clearing center (1), payer bank (2), payee bank (3), payer's payment mobile phone (4), payee's gathering mobile phone (5), wherein, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to data such as payments and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., be deposited into payee at the bank account of payee bank (3).
And, also adopt a kind of like this method of payment of utilizing mobile phone gathering payment, it is characterized in that, described method comprises Hong Kong Bank of China Renminbi international clearing center (1) that arranges, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to data such as payments and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., deposit people to collecting money into the bank account in payee bank (3).
So just realize well object of the present invention.
Payment system and the correlation method that utilizes mobile phone gathering payment of the present invention, can allow payer and payee both sides when paying, the interactive operation that mobile phone by both sides carries out, payment code is sent to gathering mobile phone (5) from payment mobile phone (4), allow both sides experience the tangible operation of payment and gathering, avoid not generations of steady and sure sensation of psychology, be conducive to popularization and the development of mobile-phone payment.
[accompanying drawing explanation]
Fig. 1 is the image schematic illustration of the first embodiment of payment system of the present invention;
Fig. 2 is the image schematic illustration of the second embodiment of payment system of the present invention;
Fig. 3 is the image schematic illustration of the 3rd embodiment of payment system of the present invention;
Fig. 4 is the image schematic illustration of the 4th embodiment of payment system of the present invention;
Fig. 5 is the image schematic illustration of the 5th embodiment of payment system of the present invention;
Fig. 6 is the image schematic illustration of the 6th embodiment of payment system of the present invention.
In figure, the system that identical digitized representation is identical, device, parts device, method step marks with the straight line with arrow by the numeral of circle.Accompanying drawing is schematically, in order to formation of the present invention and main method step to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the image schematic illustration of the first embodiment of payment system of the present invention, system shown in Fig. 1 includes Hong Kong Bank of China Renminbi international clearing center (1), payer bank (2), payee bank (3), payer's payment mobile phone (4), payee's gathering mobile phone (5), wherein, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to data such as payments and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., be deposited into payee at the bank account of payee bank (3).
In this manual, described payer and payee refer to the user who uses payment system of the present invention, and user can be payee, also can be payer, for convenience of description, the user who pays the bill is called to payer, the user who collects money is called to payee.In addition, described payer bank (2) and payee bank (3) all refer to general bank, bank can be payer bank (2), also can be payee bank (3), for convenience of description, by being provided with pay the bill role's bank of payer's bank account, be called payer bank (2), by being provided with collect money role's bank of payee bank account, be called payee bank (3).
Aspect arranging, Hong Kong Bank of China Renminbi international clearing center (1) is arranged on Hong Kong, and take Renminbi as transaction currency, and fund all over the world all can unrestrictedly pass in and out Hong Kong.Hong Kong Bank of China Renminbi international clearing center (1) needs the account system of Yu Ge bank to be connected, and Wei Ge bank and user provide mobile-phone payment service.User need to register at Hong Kong Bank of China Renminbi international clearing center (1) his bank account, authorizes Hong Kong Bank of China Renminbi international clearing center (1) to settle accounts with his bank account the payment gathering transaction that he is carried out.In addition, account password when user can select to adopt his original password of bank account to be used as paying, also can set an only account password for paying in addition, and while paying, user need input this account password and confirm to pay.
Consult Fig. 2, Fig. 2 is the image schematic illustration of the second embodiment of payment system of the present invention, the second embodiment shown in Fig. 2 compares with the first embodiment, main difference part is in the first embodiment, Hong Kong Bank of China Renminbi international clearing center (1) is towards each bank, payment mobile phone (4) and collect money mobile phone (5) need to by payer bank (2) and payee bank (3) could with Hong Kong Bank of China Renminbi international clearing center (1) exchange message that communicates; And in the second embodiment, Hong Kong Bank of China Renminbi international clearing center (1) is towards each user, the direct and Hong Kong Bank of China Renminbi international clearing center (1) of payment mobile phone (4) and gathering mobile phone (5) exchange message that communicates.No matter adopt the mode of the first embodiment or the second embodiment, all can realize well object of the present invention.
Continue to consult Fig. 1, in the first embodiment shown in Fig. 1, described payer bank (2) is provided with real-time communication server, described payment mobile phone (4) is provided with the payment formula for paying, payment mobile phone (4) carries out real-time communication by this payment formula access real-time communication server and payer bank (2) and transmits information, transmission comprises the information relevant to payment such as payment code, and, described payee bank (3) is provided with real-time communication server, described gathering mobile phone (5) is provided with the gathering formula for collecting money, gathering mobile phone (5) carries out real-time communication by this gathering formula access real-time communication server and payee bank (3) and transmits information, transmission comprises the information relevant to gathering such as payment code.
Continue to consult Fig. 2, in the second embodiment shown in Fig. 2, described Hong Kong Bank of China Renminbi international clearing center (1) is provided with real-time communication server, described payment mobile phone (4) is provided with the payment formula for paying, payment mobile phone (4) carries out real-time communication by this payment formula access real-time communication server and Hong Kong Bank of China Renminbi international clearing center (1) and transmits information, transmission comprises the information relevant to payment such as payment code, and, described gathering mobile phone (5) is provided with the gathering formula for collecting money, gathering mobile phone (5) carries out real-time communication by this gathering formula access real-time communication server and Hong Kong Bank of China Renminbi international clearing center (1) and transmits information, transmission comprises the information relevant to gathering such as payment code.
Continue to consult Fig. 1 and Fig. 2, in the first and second embodiment shown in Fig. 1 and Fig. 2, the transmission of information between payment mobile phone (4) and gathering mobile phone (5), can adopt diverse ways to realize, for example by payment mobile phone (4), by its screen, payment code is shown with English character, then by payee, adopt manual type directly shown payment code to be input to gathering mobile phone (5), or adopt bar coding mode, or employing NFC (Near Field Communicat ion, near-field communication) technical approach, can realize object of the present invention well.When adopting bar coding mode to carry out transmission of information, described bar code can be bar code or two-dimensional bar code, when described payment mobile phone (4) receives described payment code, transfer this payment code to barcode standard, and by the screen display of payment mobile phone (4), and described gathering mobile phone (5) is provided with bar code reading device, gathering mobile phone (5) is identified this bar code by bar code reading device, this bar code is reduced to payment code and carries out follow-up payment step.When adopting NFC technology to carry out transmission of information, described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and payment mobile phone (4) sends payment code to gathering mobile phone (5) by its NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by its NFC element, the mobile phone (5) of then collecting money adopts this payment code to carry out follow-up payment step.
In this manual, described Hong Kong Bank of China Renminbi international clearing center (1) is provided with for the private key of digital signature with for authenticating the PKI of digital signature, this private key and PKI are PKI (capital construction of the Public Key Infrastructure public key) keys of a pair of pairing, and described payment code Shi You Hong Kong Bank of China Renminbi international clearing center (1) is undertaken by described private key according to payment data such as payment and sequence number of payment that digital signature generates.Adopt PKI key digital signature, effectively prevent false payment code, can ensure the fund security of user and payment system.
Continue to consult Fig. 1 and Fig. 2, in the first and second embodiment shown in Fig. 1 and Fig. 2, the method adopting comprises Hong Kong Bank of China Renminbi international clearing center (1) that arranges, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to data such as payments and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., deposit people to collecting money into the bank account in payee bank (3).
Continuing to consult Fig. 1 and Fig. 2, in the first and second embodiment shown in Fig. 1 and Fig. 2, also comprise following A group step, is that payer carries out consumption and payment in trade company, and payment is payee's step to trade company, and concrete A group step is as follows:
A1. payer is when consuming payment, payee inputs payment by gathering mobile phone (5) in gathering formula, then by this gathering formula, send payment to payment mobile phone (4), described transfer approach comprises following wherein either method:
Method one: the gathering formula of described gathering mobile phone (5) transfers this payment to barcode standard, and by the screen display of gathering mobile phone (5), and, described payment mobile phone (4) is provided with digital photographic arrangement, the payment formula of payment mobile phone (4) obtains barcode image by digital photographic arrangement, then this image-decoding is reduced to payment;
Method two: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described gathering mobile phone (5) is provided with NFC element, and the gathering formula of gathering mobile phone (5) sends payment to payment mobile phone (4) by NFC element; Described payment mobile phone (4) is provided with for the NFC element with the communication of gathering mobile phone (5), and the payment formula of payment mobile phone (4) receives the payment sending from gathering mobile phone (5) by NFC element;
A2. the mobile phone (4) of paying the bill is shown to payer by payment and sees, payer agrees to that payment, just at the payment formula input account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
A3. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
A4. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes the data such as a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and sends payment mobile phone (4) to;
A5. payer sends payment code to gathering mobile phone (5) by payment mobile phone (4), and described transfer approach comprises following wherein either method:
Method first: the payment formula of described payment mobile phone (4) transfers this payment code to barcode standard, and by the screen display of payment mobile phone (4), and, described gathering mobile phone (5) is provided with digital photographic arrangement and obtains barcode image, then this image-decoding is reduced to payment code;
Method second: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and the payment formula of payment mobile phone (4) sends payment code to gathering mobile phone (5) by NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), and the gathering formula of gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by NFC element;
A6. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
A7. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While A8. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., be deposited into payee at the bank account of payee bank (3).
Consult Fig. 3 and Fig. 4, Fig. 3 is the image schematic illustration of the 3rd embodiment of payment system of the present invention, Fig. 4 is the image schematic illustration of the 4th embodiment of payment system of the present invention, the 3rd embodiment of Fig. 3 compares with the first embodiment with the 4th embodiment of Fig. 4 and compares with the second embodiment, main difference part is in the third and fourth embodiment, payment is inputted at payment mobile phone (4) by payer, and in first and two embodiment, payment is to be inputted at gathering mobile phone (5) by payee, then just sends payment mobile phone (4) to.Fig. 3 and Fig. 4 illustrate and comprise following B group step, are that payer carries out consumption and payment in trade company, and payment pays the bill to payee's step to trade company, and concrete B group step is as follows:
When B1. payer pays the bill to payee, payer, at payment formula input payment and the account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
B2. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
B3. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes the data such as a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and returns to payment mobile phone (4);
B4. payer sends payment code to gathering mobile phone (5) by payment mobile phone (4), and described transfer approach comprises following wherein either method:
Method first: the payment formula of described payment mobile phone (4) transfers this payment code to barcode standard, and by the screen display of payment mobile phone (4), and, described gathering mobile phone (5) is provided with digital photographic arrangement, the gathering formula of gathering mobile phone (5) obtains barcode image by digital photographic arrangement, then this image-decoding is reduced to payment code;
Method second: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and the payment formula of payment mobile phone (4) sends payment code to gathering mobile phone (5) by NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), and the gathering formula of gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by NFC element;
B5. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
B6. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While B7. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., be deposited into payee at the bank account of payee bank (3).
Consult Fig. 5, Fig. 5 is the image schematic illustration of the 5th embodiment of payment system of the present invention, and the method shown in Fig. 5 also comprises following C group step, is the step that payer and payee carry out non-face-to-face payment, and concrete C group step is as follows:
When C1. payer pays the bill to payee, payer, at payment formula input payment and the account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
C2. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
C3. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes the data such as a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and returns to payment mobile phone (4);
C4. payer uses the payment formula of payment mobile phone (4), adopts real-time communication mode, by Hong Kong Bank of China Renminbi international clearing center (1), sends payment code to gathering mobile phone (5);
C5. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
C6. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While C7. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission etc., be deposited into payee at the bank account of payee bank (3).
Consult Fig. 6, Fig. 6 is the image schematic illustration of the 6th embodiment of payment system of the present invention, the main difference part of the 6th embodiment shown in Fig. 6 and first to the 5th each embodiment is that the gathering mobile phone (5) of the 6th embodiment is the POS machine of trade company, this POS machine is collected money only and can not be paid the bill, in POS machine, be provided with equally the gathering formula for collecting money, can be by network and Hong Kong Bank of China Renminbi international clearing center (1) exchange message that communicates.In addition, bank shown in Fig. 6 (6) comprises agricultural bank, Construction Bank, industrial and commercial bank, China Merchants Bank ... etc., bank (6) can be both the payer bank (2) that is provided with user's bank account, also can be the payee bank (3) that is provided with the bank account of trade company, in the 6th embodiment, be called without exception bank (6).Further, can allow foreign trade company, bank in Hong Kong offers Renminbi account, the Renminbi account that Bing Hong Kong Bank of China Renminbi international clearing center (1) registration trade company offers, then locality that just can trade company place, for Chinese visitor's consumption payment is collected money, consumption place is state outside, charge clearing place is in Hong Kong, the fund of receiving can be stayed Hong Kong and make Renminbi deposit, also can at any time money be called away, this walks out to internationalize to Renminbi and can play the effect of actively promoting.
Below described feature of the present invention in detail, although the present invention is illustrated with the above embodiments, the present invention is not limited to this, in the situation that do not leave the scope of spirit of the present invention and appended claims, can do multiple change and variation.
Payment system and the correlation method that utilizes mobile phone gathering payment of the present invention, can allow payer and payee by the interactive operation of both sides' mobile phone, and out and out experiencing paid the bill and gathering operation, avoided the not steady and sure sensation of psychological generation.Enforcement of the present invention, is conducive to popularization and the development of mobile-phone payment.
Claims (10)
1. a payment system of utilizing mobile phone gathering payment, it is characterized in that, described system includes Hong Kong Bank of China Renminbi international clearing center (1), payer bank (2), payee bank (3), payer's payment mobile phone (4), payee's gathering mobile phone (5), wherein, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to payment and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission, be deposited into payee at the bank account of payee bank (3).
2. the payment system of utilizing mobile phone gathering payment as claimed in claim 1, it is characterized in that, described payer bank (2) is provided with real-time communication server, described payment mobile phone (4) is provided with the payment formula for paying, payment mobile phone (4) carries out real-time communication by this payment formula access real-time communication server and payer bank (2) and transmits information, transmit and pay relevant information, and, described payee bank (3) is provided with real-time communication server, described gathering mobile phone (5) is provided with the gathering formula for collecting money, gathering mobile phone (5) carries out real-time communication by this gathering formula access real-time communication server and payee bank (3) and transmits information, transmit the information relevant to gathering.
3. the payment system of utilizing mobile phone gathering payment as claimed in claim 1, it is characterized in that, described Hong Kong Bank of China Renminbi international clearing center (1) is provided with real-time communication server, described payment mobile phone (4) is provided with the payment formula for paying, payment mobile phone (4) carries out real-time communication by this payment formula access real-time communication server and Hong Kong Bank of China Renminbi international clearing center (1) and transmits information, transmit and pay relevant information, and, described gathering mobile phone (5) is provided with the gathering formula for collecting money, gathering mobile phone (5) carries out real-time communication by this gathering formula access real-time communication server and Hong Kong Bank of China Renminbi international clearing center (1) and transmits information, transmit the information relevant to gathering.
4. payment system as claimed in claim 1, it is characterized in that, when described payment mobile phone (4) receives described payment code, transfer this payment code to barcode standard, and by the screen display of payment mobile phone (4), and described gathering mobile phone (5) is provided with bar code reading device, gathering mobile phone (5) is identified this bar code by bar code reading device, this bar code is reduced to payment code and carries out follow-up payment step.
5. payment system as claimed in claim 1, it is characterized in that, described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and payment mobile phone (4) sends payment code to gathering mobile phone (5) by its NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by its NFC element, the mobile phone (5) of then collecting money adopts this payment code to carry out follow-up payment step.
6. the payment system of utilizing mobile phone gathering payment as claimed in claim 1, it is characterized in that, described Hong Kong Bank of China Renminbi international clearing center (1) is provided with for the private key of digital signature with for authenticating the PKI of digital signature, and described payment code Shi You Hong Kong Bank of China Renminbi international clearing center (1) is undertaken by described private key according to payment and sequence number of payment that digital signature generates.
7. a method of payment of utilizing mobile phone gathering payment, it is characterized in that, described method comprises Hong Kong Bank of China Renminbi international clearing center (1) that arranges, phase telecommunication is connected with payee bank (3) with payer bank (2) respectively at Hong Kong Bank of China Renminbi international clearing center (1), Hong Kong Bank of China Renminbi international clearing center (1) pays and verifies for payer the payment code that payee sends for generating payment code, payer bank (2) is provided with payer's bank account, payee bank (3) is provided with payee's bank account, and, during payment, Hong Kong Bank of China Renminbi international clearing center (1) generates payment code according to payment and sends payment mobile phone (4) to, then payer sends the payment code in the mobile phone of paying the bill (4) to payee's gathering mobile phone (5), by gathering mobile phone (5), payment code is sent to Hong Kong Bank of China Renminbi international clearing center (1) requests verification, Hong Kong Bank of China Renminbi international clearing center (1) errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful, during clearing, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission, deposit people to collecting money into the bank account in payee bank (3).
8. the method for payment of utilizing mobile phone gathering payment as claimed in claim 7, is characterized in that, described method also comprises following A group step, is that payer carries out consumption and payment in trade company, and payment is payee's step to trade company, and concrete A group step is as follows:
A1. payer is when consuming payment, payee inputs payment by gathering mobile phone (5) in gathering formula, then by this gathering formula, send payment to payment mobile phone (4), described transfer approach comprises following wherein either method:
Method one: the gathering formula of described gathering mobile phone (5) transfers this payment to barcode standard, and by the screen display of gathering mobile phone (5), and, described payment mobile phone (4) is provided with digital photographic arrangement, the payment formula of payment mobile phone (4) obtains barcode image by digital photographic arrangement, then this image-decoding is reduced to payment;
Method two: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described gathering mobile phone (5) is provided with NFC element, and the gathering formula of gathering mobile phone (5) sends payment to payment mobile phone (4) by NFC element; Described payment mobile phone (4) is provided with for the NFC element with the communication of gathering mobile phone (5), and the payment formula of payment mobile phone (4) receives the payment sending from gathering mobile phone (5) by NFC element;
A2. the mobile phone (4) of paying the bill is shown to payer by payment and sees, payer agrees to that payment, just at the payment formula input account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
A3. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
A4. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and sends payment mobile phone (4) to;
A5. payer sends payment code to gathering mobile phone (5) by payment mobile phone (4), and described transfer approach comprises following wherein either method:
Method first: the payment formula of described payment mobile phone (4) transfers this payment code to barcode standard, and by the screen display of payment mobile phone (4), and, described gathering mobile phone (5) is provided with digital photographic arrangement and obtains barcode image, then this image-decoding is reduced to payment code;
Method second: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and the payment formula of payment mobile phone (4) sends payment code to gathering mobile phone (5) by NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), and the gathering formula of gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by NFC element;
A6. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
A7. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While A8. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission, be deposited into payee at the bank account of payee bank (3).
9. the method for payment of utilizing mobile phone gathering payment as claimed in claim 7, it is characterized in that, described method also comprises following B group step, is that payer carries out consumption and payment in trade company, payment pays the bill to payee's step to trade company, and concrete B group step is as follows:
When B1. payer pays the bill to payee, payer, at payment formula input payment and the account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
B2. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
B3. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and returns to payment mobile phone (4);
B4. payer sends payment code to gathering mobile phone (5) by payment mobile phone (4), and described transfer approach comprises following wherein either method:
Method first: the payment formula of described payment mobile phone (4) transfers this payment code to barcode standard, and by the screen display of payment mobile phone (4), and, described gathering mobile phone (5) is provided with digital photographic arrangement, the gathering formula of gathering mobile phone (5) obtains barcode image by digital photographic arrangement, then this image-decoding is reduced to payment code;
Method second: described payment mobile phone (4) adopts NFC technology to carry out bipartite communication with gathering mobile phone (5), described payment mobile phone (4) is provided with NFC element, and the payment formula of payment mobile phone (4) sends payment code to gathering mobile phone (5) by NFC element; Described gathering mobile phone (5) is provided with for the NFC element with the communication of payment mobile phone (4), and the gathering formula of gathering mobile phone (5) receives the payment code sending from payment mobile phone (4) by NFC element;
B5. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
B6. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While B7. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission, be deposited into payee at the bank account of payee bank (3).
10. the method for payment of utilizing mobile phone gathering payment as claimed in claim 7, is characterized in that, described method also comprises following C group step, is the step that payer and payee carry out non-face-to-face payment, and concrete C group step is as follows:
When C1. payer pays the bill to payee, payer, at payment formula input payment and the account password of payment mobile phone (4), is then sent to payer bank (2) request payment by this payment formula by account password and payment;
C2. payer bank (2) verifying account password errorless after, to the payment code of this payment of Hong Kong Bank of China Renminbi international clearing center (1) request distribution;
C3. Hong Kong Bank of China Renminbi international clearing center (1) generates a new payment record according to payment, payment record content includes a unique sequence number of payment and payment, then payment record is carried out to generate payment code after digital signature with private key and returns to payment mobile phone (4);
C4. payer uses the payment formula of payment mobile phone (4), adopts real-time communication mode, by Hong Kong Bank of China Renminbi international clearing center (1), sends payment code to gathering mobile phone (5);
C5. the gathering formula of mobile phone (5) of collecting money sends payment code to Hong Kong Bank of China Renminbi international clearing center (1);
C6. Hong Kong Bank of China Renminbi international clearing center (1) uses public-key and verifies this payment code, and the errorless backward gathering mobile phone of validation of payment code (5) returns to the information of being proved to be successful;
Hong Kong Bank of China Renminbi international clearing center (1), after validation of payment code is errorless, completes information by payment and sends payment mobile phone (4) to;
While C7. settling accounts, Hong Kong Bank of China Renminbi international clearing center (1) is according to the payment code being proved to be successful, from payer, at the bank account of payer bank (2), collect the corresponding fund of this payment code, after deduction service charge commission, be deposited into payee at the bank account of payee bank (3).
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310067268.2A CN104008479A (en) | 2013-02-24 | 2013-02-24 | Payment system for payment receiving and payment through mobile phones and corresponding method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310067268.2A CN104008479A (en) | 2013-02-24 | 2013-02-24 | Payment system for payment receiving and payment through mobile phones and corresponding method |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104537533A (en) * | 2014-12-25 | 2015-04-22 | 李思贤 | Short distance induction type payment method and system |
| CN109146470A (en) * | 2018-08-24 | 2019-01-04 | 北京小米移动软件有限公司 | Generate the method and device of payment code |
| CN109359965A (en) * | 2018-09-30 | 2019-02-19 | 中国银行股份有限公司 | A kind of transfer charge method of payment and system |
-
2013
- 2013-02-24 CN CN201310067268.2A patent/CN104008479A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104537533A (en) * | 2014-12-25 | 2015-04-22 | 李思贤 | Short distance induction type payment method and system |
| CN109146470A (en) * | 2018-08-24 | 2019-01-04 | 北京小米移动软件有限公司 | Generate the method and device of payment code |
| CN109359965A (en) * | 2018-09-30 | 2019-02-19 | 中国银行股份有限公司 | A kind of transfer charge method of payment and system |
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Application publication date: 20140827 |