CN1423472A - Mobile payment method and system thereof - Google Patents
Mobile payment method and system thereof Download PDFInfo
- Publication number
- CN1423472A CN1423472A CN 01139885 CN01139885A CN1423472A CN 1423472 A CN1423472 A CN 1423472A CN 01139885 CN01139885 CN 01139885 CN 01139885 A CN01139885 A CN 01139885A CN 1423472 A CN1423472 A CN 1423472A
- Authority
- CN
- China
- Prior art keywords
- mobile
- financial services
- transaction terminal
- services transactions
- center
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
A mobile payment method includes 1. customer transaction terminal sends payment request information to mobile finance service transaction center via wireless communication network 2. the center receives and processes payment request information sent by user transaction terminal, and verfies the payment validity 3. operating on transaction with terminal equipment and commercial bank. The invention utilizes the sole number of user transaction terminal to negotiate with bank account number via the mobile center, provides multiservice transaction ways to user terminal suiting all user transaction terminals, transaction can be carried out so long as a user inputs a related transaction informatics cipher to transaction information guarantees safety.
Description
Technical field:
The present invention relates to a kind of method and system thereof of mobile payment, be meant especially a kind ofly to be applicable to all types communication terminal (as mobile phone etc.), and the method and system of mobile payment is provided by mobile financial services transactions center.
Background technology:
Mobile communication has entered the great development stage since the nineties in 20th century, global number of users just doubled in per 20 months; The number of users in the whole world has surpassed 700,000,000 at present, estimates Gonna breakthrough 1,000,000,000 at the bottom of calendar year 2001.China mobile subscriber also the rapid growth, from the development at the beginning of to 1,000 ten thousand families, used the time in 10 years; First quarter calendar year 2001 just becomes second country that breaks through 100,000,000 high pointes in the world,, has only used less than 4 years to 1 second family from 1,000 ten thousand families, has created the first in the world.Nearest statistics show that calendar year 2001, China's mobile communication subscriber reached 1.206 hundred million families by the end of July, surpass the U.S. 1.201 hundred million families, leap to the first in the world.Along with the great development of mobile communication, radio communication comes into one's own day by day, and its status becomes more and more important, and it is used also more and more widely.
When the mobile communication voice service continues to keep development, at present China Mobile release based on GPRS (General Packet Radio Service, abbreviate GPRS as) be a significantly representative at the second generation mobile communcations system of the demand that adapts to IP and high-speed data service, and will become the main business feature of third generation mobile system.GPRS goes up a kind of new bearer service that development is come out in existing Global Systems for Mobile communications (Global System for Mobile-Communications abbreviates GSM as), and purpose is the data service that block form is provided for GSM user.GPRS adopts the wireless-modulated standard same with GSM, same frequency band, same burst structure, same regular and same time division multiple access coding (Time Division Multiple Address abbreviates TDMA as) frame structure of frequency hopping.This new Packet Data Channel is extremely similar to current Circuit-switched voice service channel, and therefore existing base station sub-system (BSS) can provide comprehensive GPRS to cover from the beginning.GPRS allows the user to transmit and receive data under end-to-end packet transfer mode, and does not need to utilize the Internet resources of circuit switched mode.Thereby provide a kind of efficiently, wireless packet data service cheaply.That be specially adapted to be interrupted, paroxysmal and frequent, a spot of transfer of data also are applicable to big data quantity transmission once in a while.
The GPRS technology can very well be adapted to: applications such as information notice---E-mail and wireless E-mail, individual affair, information service, banking, ecommerce, automatic vending machine report and prepaid data business.
The China's finance system in 20th century mainly is for industrial and commercial enterprises provide the simple service of depositing, borrow, converge, and constantly releases new financial kind and financial instrument on the traditional business basis, has broken through traditional manual operations, has realized e-finance substantially.
The China's finance system of 21 century will further realize finance " globalization " along with World Economics " integrated ".Along with China's entry into the WTO, will promote the China's finance mixed operation; Financial innovation will be related to the survival and development of China's finance industry, and this not only can change the mode that bank and client interknit, and also can change method of service, product distribution mode and the trading processing mode of bank simultaneously; Electronic money is fast development, and passes unimpeded among network trading and electronic transaction; The informationization of financial supervision, modernization, internationalization will become the Central Bank and safeguard financial order, standard financial market, the important means of preventing financial risk; Right-about will take place in the management philosophy of bank, and bank will turn to dependence to obtain benefit for the client provides the high-quality financial service from mainly obtaining income by depositing the loan profit; The extension expansion of formula of setting up a stall of shop point will be no longer merely pursued by bank, but payes attention to and rely on modern information technologies, network environment that brand-new, more convenient, thoughtful financial service is provided more.
The product that the monetization electronization combines with mobile communication business and a kind of business of Mobile banking, mobile-phone payment has a extensive future.According to expectation, by 2003, global mobile financial service income will reach 20,000,000,000 Euros, and wherein European Region may reach about 4,700,000,000 Euros.Compare with Web bank, Mobile banking has potential key customer widely, and also even better aspect fail safe, real-time.Particularly under Chinese actual conditions, because the particularity of China's actual conditions, bank card is not popularized, and has reason to believe that hand call payment system might become an important part fully in China, even can play leading status in small amount payment market.
On absolute quantity, the popularity of mobile phone is temporarily not as good as bank card.According to existing statistics, to the end of the year 2000,55 families of the total hair fastener financial institution of China, the hair fastener total amount is above 2.77 hundred million.Aspect mobile phone, the user of China Mobile surpasses 100,000,000 by first quarter calendar year 2001, and the user of CHINAUNICOM has also reached 1,489 ten thousand, and its total amount also is less than half of bank card hair fastener quantity.But, if dissective words are just pinpointed the problems so not simple, the repetition rate height of bank card at first, it is very general things that people has two even many cards, if calculate not duplicate customer, the quantity of bank card user will significantly reduce so, and the situation that people has two mobile phones is rare, so the moisture of nearly 100,012,000 these data of quantity of cellphone subscriber seldom.Next, what can be used in online payment in the bank card that shrinks greatly is again sub-fraction.At present, B2C website MY8848 the whole country of domestic maximum is supported the bank card of online payment to have only industrial and commercial bank's peony credit cards, China Merchants Bank's multifunctional network, middle capable Great Wall electronics debit card, middle capable Great Wall RMB credit card, Guangdong Development Bank extensively to send out credit card, Guangdong Development Bank and is extensively sent out six kinds of cards of the logical card of financing, and all card sending mechanism just have 55 families, the hair fastener kind hundreds of, ratio little has some idea of.Based on above 2 points, have reason to believe that the quantity of the bank card that can be used for online payment is far smaller than the quantity that has of mobile phone.
Existing bank card has a Golden Card Program, with solving 55 cards between the card sending mechanism incompatible problem mutually.But with regard to present case, make progress also unsatisfactory, so picture such as the e-commerce website of MY8848 just must remove to support simultaneously a large amount of bank cards, this is that cost or difficulty and complexity all are complicated problems for whole Payment System.If utilize mobile phone as the online payment means, problem is just simple many.As if the existing cellular service merchant of China has only China Mobile and two families of CHINAUNICOM, also can not increase in a short time.Like this, as long as coordination China Mobile and two families of CHINAUNICOM are just passable, complexity will be hanged down many compared with 55 tame bank cards for e-commerce website.If consider the great market share that China Mobile is present, almost be only to coordinate China Mobile just can cover most cellphone subscribers, so whole problem is just simpler, and this is a good thing for e-commerce website, greatly reduces the difficulty of setting up of payment system; This also is a good thing for the consumer, need not prepare the card of raft again even apply for that specially a card deals with the different payment systems of different web sites, greatly facilitates consumption online.
Any payment way all has cost, this just means that also online payment system can collect certain expense to each online payment of e-commerce website, do not collect the expense of how many ratios though reveal bank in the present online payment system in the present data, but from the commission of credit card 3% in the past, cost is not low, this is a no small influence for the profit of e-commerce website.And the cost of mobile-phone payment will be much lower, so mobile-phone payment has huge cost advantage.
Existing mobile-phone payment needs the cellphone subscriber to buy to have the STK card with the cell phone bank system communication capacity, or with (the Subscriber Identity Module of the Subscriber Identity Module in the regular handset, abbreviate SIM card as) replace with the STK card (SIMToolKit abbreviates the STK card as) that has with the cell phone bank system communication capacity and could realize; Adopt this method, obviously increased cost and complexity that vast common cellphone user is used mobile-phone payment.
Summary of the invention:
Main purpose of the present invention is to provide a kind of method and system of mobile-phone payment, and any cellphone subscriber can be by the ta vservice between the payment of wireless communication networks realization nothing card, the different business bank and all business demands of existing cell phone bank system.
Another object of the present invention is to provide a kind of method and system of mobile-phone payment, can interconnect between the different business banks card management system.
The object of the present invention is achieved like this:
A kind of method of mobile payment, it comprises the steps:
Step 1: the customer transaction terminal sends payment request information by wireless communication networks to mobile financial services transactions center;
Step 2: the payment request information that mobile financial services transactions center receives and the process user transaction terminal sends, and the validity of validation of payment;
Step 3: mobile financial services transactions center and one of transaction terminal equipment or business bank or its combination operation of concluding the business.
The communication protocol that described customer transaction terminal sends payment request information is: short message protocol or non-structure supplemental services business datum (Unstructured Supplementary Service Data, be called for short USSD) or WAP (wireless application protocol) (Wireless Application Protocol, be called for short WAP) or GPRS or code division multiple access (Code Division Multiple Address abbreviates CDMA as) agreement.
Described wireless communication networks is GMS communication network or cdma communication net or 3G (Third Generation) Moblie net (being called for short the 3G communication network) or the 4th third-generation mobile communication net (being called for short the 4G communication network) or its combination.
Described payment request information comprises at least: mobile financial services transactions center identification information, usersaccount information, transaction terminal equipment identification information and business service log-on message.
Described payment request information comprises at least: mobile financial services transactions center identification information, transaction terminal equipment identification information and user account number log-on message.
Described step 2 specifically comprises:
Step 201: obtain user's data message relevant with payment;
Step 202: judge whether this customer transaction terminal is the legal payment devices that uses this business; If then enter step 203; Otherwise, enter step 207;
Step 203: judge whether professional password is correct, correctly then enter step 204, otherwise enter step 206:
Step 204: verify whether this customer transaction terminal is related with the account No. of appointment; If then enter step 205; Otherwise replying this user need be related with this customer transaction terminal and account No. foundation, finishes;
Step 205: whether the transaction terminal equipment of checking user appointment is available; If then enter step 3; Otherwise, enter step 207;
Step 206: misregistration information and filing;
Step 207: reply the error message of customer transaction terminal, finish.
Described mobile financial services transactions center and transaction terminal equipment and business bank conclude the business the operation step be:
Step 301: transaction terminal equipment is connected with business bank by mobile financial services transactions center;
Step 302: mobile financial services transactions center is passed to payment mechanism with transaction identification information, business bank's information, subscriber directory number by cipher mode, and transaction terminal equipment shows this business bank's information and telephone number;
Step 303: the user imports its business bank's account number cipher and dealing money on transaction terminal equipment;
Step 304: transaction terminal equipment is with transaction identification information, business bank's information, subscriber directory number, business bank's account number cipher, and dealing money information sends mobile financial services transactions center to by cipher mode:
Step 305: information that mobile financial services transactions center will be received, that transmitted by transaction terminal equipment is carried out format conversion according to the requirement of corresponding business bank and business bank's account information is resolved;
Step 306: the transaction request after mobile financial services transactions center will be changed is issued corresponding business bank preposition equipment;
Step 307: this business bank accepts this business and with result loopback trade center;
Step 308: mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to customer transaction terminal and transaction terminal equipment; Finish.
Described mobile financial services transactions center and transaction terminal equipment and business bank conclude the business the operation step be:
Step 301 ': transaction terminal equipment directly is connected with business bank;
Step 302 ': business bank's account number is resolved at mobile financial services transactions center
Step 303 ': mobile financial services transactions center is passed to transaction terminal equipment with business bank's account number, transaction identification information, subscriber directory number by cipher mode, and payment mechanism shows related data;
Step 304 ': transaction terminal equipment sends to this business bank with the information of receiving according to the data protocol that corresponding business bank requires;
Step 305 ': business bank accepts this business and with result loopback transaction terminal equipment, informs mobile financial services transactions center simultaneously;
Step 306 ': mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to the customer transaction terminal, finish.
The communication network of communication of being used for concluding the business between mobile financial services transactions center, transaction terminal equipment, the business bank is: data communication network.
The communication network of communication of being used for concluding the business between mobile financial services transactions center, transaction terminal equipment, the business bank is: the public land mobile radio communication.
Corresponding financial transaction security protocol standard is observed in the transaction communication of mobile financial services transactions center and transaction terminal equipment, business bank.
Described customer transaction terminal is mobile phone or personal information terminal (Personal Data Assistance abbreviates PDA as).
Described transaction terminal equipment is common point-of-sale terminals (Point Of Sale, abbreviate the POS machine as) or ATM (Automated Teller Machine abbreviates ATM as) or, automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA.
The communication that described mobile POS machine and removable automatic vending machine adopt is one of short message, USSD, WAP, GPRS, CDMA or its combination.
Described customer transaction terminal is carried out related step with the appointed bank account number:
Step 41: the user handles the business application permission of carrying out financial transaction by the customer transaction terminal, registered user's data information by the registration of mobile financial services transactions center;
Step 42: after application was passed through, mobile financial services transactions center was carried out related with one or more bank accounts or credit card number the customer transaction terminal number;
Step 43: the initial password that the user starts financial transaction service is authorized at mobile financial services transactions center;
Step 44: the user is provided with the account No. related with the customer transaction terminal number or the use code of credit card number by mobile financial services transactions center.
Described mobile financial services transactions center is provided with at least:
Database module is used for the data that saved system work moves;
Communication module is used for being responsible for internal system communication service and telecommunication management;
The message data protocol modular converter is used to realize the message data protocol conversion between mobile financial services transactions center and transaction terminal equipment, each business bank, the bank card center communication protocol;
Key management module: the cryptographic algorithm that is used to manage mobile financial services transactions center;
Encrypting-decrypting module is used for mobile financial services transactions database data, communication protocol data, data message in the heart carried out encryption;
The banking system interface module is used to provide the transaction data communication interface at mobile financial services transactions center and bank or bank card center;
The communication network data interface module is used to provide the communication interface between mobile financial services transactions center and the communication network;
The transaction terminal device interface module is used to provide the communication interface between mobile financial services transactions center and the transaction terminal equipment.
Described mobile financial services transactions center also is provided with:
System and service management module are used for maintenance management, operation and running state monitoring to mobile financial services transactions center;
The call voice service module is used to provide the voice messaging navigation Service;
The system monitoring module is used for the real-time running state monitoring in mobile financial services transactions center.
Described mobile financial services transactions center is one or more, each move communicate by communication network between the financial services transactions center interconnected.
A kind of mobile-payment system comprises at least: customer transaction terminal, transaction terminal equipment, one or more mobile financial services transactions center, business bank card center and card switching center of state bank; Wherein,
The customer transaction terminal is communicated by letter with mobile financial services transactions center by wireless communication networks;
Mobile financial services transactions center is by wireless communication networks or wire net or its combination is moved the financial services transactions center with other respectively, business bank blocks center, card switching center of state bank and transaction terminal devices communicating.
Described mobile financial services transactions center is provided with at least:
Database module is used for the data that saved system work moves;
Communication module is used for being responsible for internal system communication service and telecommunication management;
The message data protocol modular converter is used to realize the message data protocol conversion between mobile financial services transactions center and transaction terminal equipment, each business bank, the bank card center communication protocol;
Key management module: the cryptographic algorithm that is used to manage mobile financial services transactions center;
Encrypting-decrypting module is used for mobile financial services transactions database data, communication protocol data, data message in the heart carried out encryption;
The banking system interface module is used to provide the transaction data communication interface at mobile financial services transactions center and bank or bank card center;
The communication network data interface module is used to provide the communication interface between mobile financial services transactions center and the communication network;
The transaction terminal device interface module is used to provide the communication interface between mobile financial services transactions center and the transaction terminal equipment.
Described mobile financial services transactions center also is provided with:
System and service management module are used for maintenance management, operation and running state monitoring to mobile financial services transactions center;
The call voice service module is used to provide the voice messaging navigation Service;
The system monitoring module is used for the real-time running state monitoring in mobile financial services transactions center.
Described wireless communication networks is GMS communication network or cdma communication net or 3G communication network or 4G communication network or its combination.
The described user mobile phone communication protocol of observing of communicating by letter with mobile financial services transactions center is: short message protocol or USSD or WAP or GPRS or CDMA.
Described customer transaction terminal is mobile phone or PDA.
Described transaction terminal equipment is: common POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA.
The communication that described mobile POS machine and removable automatic vending machine adopt is one of short message, USSD, WAP, GPRS, CDMA or its combination.
Transaction terminal equipment of the present invention is provided with Wireless/wired communication module, input unit, storage device, cryptographic calculation module and print module and constitutes.It is: common POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine, mobile phone, PDA (mobile phone, PDA can not have print module) etc.Wherein, portable transaction terminal equipment can initiatively carry out communication with mobile financial services transactions center or business bank bank card administrative center and be connected, and can initiate activate request by communication network by mobile financial services transactions center, thereby produce being connected and communication of transaction terminal equipment and mobile financial services transactions center.The wireless communication mode at this transaction terminal equipment and mobile financial services transactions center can be GPRS or CDMA or 3G, 4G wireless network transmission mode.
The communications protocol of being observed in all above-mentioned wireless communication modes can be a kind of or combination more than any one among short message protocol or USSD or WAP or GPRS or the CDMA.
Exchange message format at above-mentioned transaction terminal equipment and mobile financial services transactions center can adopt the customization message format of self-defining message format or business bank, and fundamental norms or GB GB/T15150 that the message format that transaction terminal equipment directly carries out communication with bank card administrative center is then followed ISO8583 exchange message specification.
The communication at transaction terminal equipment and mobile financial services transactions center can adopt multiple encryption algorithms that the data of being transmitted are encrypted in the transmission course of data, this cryptographic algorithm can be symmetric encipherment algorithm-data encryption standard algorithm (Data Encryption Standard, abbreviate DES as) or the combination of rivest, shamir, adelman-security association algorithm (Security Association abbreviates SA as) or symmetric encipherment algorithm and rivest, shamir, adelman.
When adopting rivest, shamir, adelman, the transmission of public key data is transmitted after can adopting symmetric encipherment algorithm to encrypt again, to guarantee the fail safe of public key information.The transfer of data encrypted secret key data that are used at transaction terminal equipment and mobile financial services transactions center all can be regularly or regularly change, and the data security transmission of the secondary key of realizing once concluding the business.
The communication at mobile financial services transactions center of the present invention and card switching center of state bank and in-house banking of how tame business bank card center, in the transmission course of data, can adopt multiple encryption algorithms equally, the transmission data are encrypted, this cryptographic algorithm can be symmetric encipherment algorithm DES, rivest, shamir, adelman SA, and the combination of symmetric encipherment algorithm and rivest, shamir, adelman.
The present invention utilizes the one number characteristic of customer transaction terminal itself, and is related with actual account No. generation by mobile financial services transactions center, can provide the multiple financial business of short message, USSD and interactive voice to accept approach to this user; Be applicable to all common SIM card customer transaction terminal and STK card user transaction terminals of having.The present invention only needs the user to import the transaction terminal facility information on the customer transaction terminal and self-defining account number code can be concluded the business, need not import account No., Transaction Information all transmits with cipher mode, the password confirming mechanism of two-stage is provided, the user starts transactional services by customer transaction terminal input password confirming, the execution of input password confirming transaction on transaction terminal equipment; Guaranteed the safety of account and transaction; Transaction terminal equipment can be activated by mobile financial services transactions platform by the information that the customer transaction terminal is sent.
The present invention is further detailed explanation below in conjunction with accompanying drawing and specific embodiment.
Description of drawings:
Fig. 1 is the system network architecture schematic diagram of one embodiment of the invention.
Fig. 2 is the system configuration schematic diagram of the mobile financial transaction centre of one embodiment of the invention.
The enforcement schematic diagram that Fig. 3 uses mobile phone and transaction terminal equipment to be connected with the direct communication of mobile financial transaction centre for the present invention.
Another enforcement schematic diagram that Fig. 4 uses PDA and transaction terminal equipment to be connected with the direct communication of mobile financial transaction centre for the present invention.
Fig. 5 handles a flow process schematic diagram of mobile phone financial transaction service for customer transaction terminal use application of the present invention.
Fig. 6 sends the idiographic flow schematic diagram of payment request information and mobile this information of financial services transactions center processing for user of the present invention.
Fig. 7 moves the conclude the business part flow chart of an embodiment of operation of financial services transactions center and transaction terminal equipment and business bank for the present invention.
Fig. 8 moves the conclude the business part flow chart of another embodiment of operation of financial services transactions center and transaction terminal equipment and business bank for the present invention.
Embodiment:
Referring to Fig. 1, the user utilizes the customer transaction terminal to communicate by letter with mobile financial services transactions center by wireless communication networks in one embodiment of this invention, moves the financial services transactions center to this and sends payment request information; The payment request information that this mobile financial services transactions center receives and process user sends, and the validity of validation of payment; And by wireless communication networks or wire net or its combination respectively with bank card center and transaction terminal devices communicating, the operation of concluding the business.
Referring to Fig. 2, aforesaid mobile financial services transactions center is provided with:
One is used for the database module of saved system work service data, storing subscriber information, transaction terminal data, process of exchange record, enciphered data, system maintenance service data and configuration etc. in this database;
One is used for being responsible for internal system communication service and communication supervisory communication module;
One is used to realize the message data protocol modular converter of message data conversion between mobile financial services transactions center and transaction terminal equipment, each business bank, the bank card center communication protocol;
One is used to manage the key management module of mobile financial services transactions center cryptographic algorithm;
One is used for encrypting-decrypting module that mobile financial services transactions database data, communication protocol data, data message in the heart carried out encryption;
One is used to provide the banking system interface module of the transaction data communication interface at mobile financial services transactions center and bank or bank card center;
One is used to provide the communication network data interface module of the communication interface between mobile financial services transactions center and the communication network;
One is used to provide the transaction terminal device interface module of mobile financial services transactions center and transaction terminal communication between devices interface;
One is used for system and the service management module to maintenance management, operation and the running state monitoring at mobile financial services transactions center;
One is used to provide the call voice service module of voice messaging navigation Service;
One is used for system monitoring module that the real-time running status in mobile financial services transactions center is monitored.
Referring to Fig. 5, handle among the embodiment of mobile phone financial transaction service in cellphone subscriber's application of the present invention, the cellphone subscriber at first handles the business application permission of carrying out financial transaction by its mobile phone by the registration of mobile financial services transactions center, registers its subscriber information message; After this application was passed through, mobile financial services transactions center was carried out related with one or more bank accounts or credit card number this user mobile phone one number; Then, the initial password that this user starts financial transaction service is authorized at mobile financial services transactions center, and the user can make amendment to this initial password by mobile financial services transactions center; At last, this user is by the use code of mobile financial services transactions center setting with unique number related account No. of mobile phone or credit card number.By above-mentioned procedure to apply, this cellphone subscriber just can utilize its mobile phone to obtain the transactional services that mobile financial services transactions of the present invention center provides.
Referring to Fig. 6, when the customer transaction terminal use pays, at first, utilize the customer transaction terminal to send payment request information to mobile financial services transactions center by wireless communication networks; Then, the payment request information that mobile financial services transactions center receives and process user sends, and the validity of validation of payment; The concrete processing and the step of checking are:
Step 201: obtain this user data message relevant with payment;
Step 202: judge whether this customer transaction terminal is the legal payment devices that uses this business; If then enter step 203; Otherwise, enter step 207;
Step 203: judge whether professional password is correct, correctly then enter step 204, otherwise enter step 206;
Step 204: verify whether this customer transaction terminal is related with the account No. of appointment; If then enter step 205; Otherwise replying this user need be related with this customer transaction terminal and account No. foundation, finishes;
Step 205: whether the transaction terminal equipment of checking user appointment is available; If then enter step 3; Otherwise, enter step 207;
Step 206: misregistration information and filing;
Step 207: reply user error information, finish.
Transmit and proof procedure in case passed through above-mentioned payment information, mobile financial services transactions center and transaction terminal equipment and business bank then begin to carry out concrete transaction operation.
Referring to Fig. 3 and Fig. 7, in one embodiment of this invention, user's mobile phone is as the input medium that starts payment transaction.Among the present invention, the mobile phone that the user has just is equivalent to bank card account number or other account No. that the user holds, one number-the international mobile equipment identification number of user mobile phone (InternationalMobile Station Identity, be called for short IMSI) and phone number by mobile financial services transactions center and account No. accordingly, credit card number or small amount payment account number produce related, the user starts password by input mobile financial services transactions central number+user account number code+transaction terminal equipment mark code+business service on mobile phone, by wireless mode above-mentioned all or part of information is sent to mobile financial services transactions center, this mobile financial services transactions center is differentiated user identity after receiving the startup transaction request of mobile phone, simultaneously the user account number code is resolved, corresponding transaction terminal can be from top to bottom activated at mobile financial services transactions center, make transaction terminal equipment be in state of activation, mobile financial services transactions center with the relevant information that needs in the financial transaction process by under pass to transaction terminal equipment, the user by information such as code keypad input dealing money and account No. passwords, confirms to carry out process of exchange on transaction terminal equipment; After mobile financial services transactions center receives the transaction message of transaction terminal equipment, this message is converted to the message format of corresponding bank card administrative center or corresponding business bank needs, submit to relevant financial institution, this financial institution is after handling this transaction, this transaction results information is returned to mobile financial services transactions center, send transaction results to cellphone subscriber again by mobile financial services transactions center then.Concrete execution in step is:
Step 301: transaction terminal equipment is connected with business bank by mobile financial services transactions center;
Step 302: mobile financial services transactions center is passed to payment mechanism with transaction identification information, business bank's information, subscriber directory number by cipher mode, and transaction terminal equipment shows this business bank's information and telephone number;
Step 303: the user imports its business bank's account number cipher and dealing money on transaction terminal equipment;
Step 304: transaction terminal equipment is with transaction identification information, business bank's information, subscriber directory number, business bank's account number cipher, and dealing money information sends mobile financial services transactions center to by cipher mode:
Step 305: information that mobile financial services transactions center will be received, that transmitted by transaction terminal equipment is carried out format conversion according to the requirement of corresponding business bank and business bank's account information is resolved;
Step 306: the transaction request after mobile financial services transactions center will be changed is issued corresponding business bank preposition equipment;
Step 307: this business bank accepts this business and with result loopback trade center;
Step 308: mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to user mobile phone and transaction terminal equipment; Finish.
Referring to Fig. 4 and Fig. 8, in another embodiment of the present invention, transaction terminal equipment also can directly carry out communication with corresponding business bank and be connected; User's PDA is still as the input medium that starts payment transaction.Among the present invention, the PDA that the user has just is equivalent to bank card account number or other account No. that the user holds, the one number IMSI of user PDA is related by mobile financial services transactions center and corresponding account No., credit card number or the generation of small amount payment account number with the PDA number, and the user starts password by input mobile financial services transactions central number+transaction terminal equipment mark code+user account on PDA; By wireless mode above-mentioned all or part of information is sent to mobile financial services transactions center, this mobile financial services transactions center differentiates to user identity that after receiving the startup transaction request of PDA business bank's account number is resolved at mobile financial services transactions center; Mobile financial services transactions center is passed to transaction terminal equipment with business bank's account number, transaction identification information, subscriber directory number by cipher mode, and payment mechanism shows related data; Transaction terminal equipment sends to this business bank with the information of receiving according to the data protocol that corresponding business bank requires; Business bank accepts this business and with result loopback transaction terminal equipment, informs mobile financial services transactions center simultaneously; Mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to user PDA.Concrete execution in step is:
Step 301 ': transaction terminal equipment directly is connected with business bank;
Step 302 ': business bank's account number is resolved at mobile financial services transactions center
Step 303 ': mobile financial services transactions center is passed to transaction terminal equipment with business bank's account number, transaction identification information, subscriber directory number by cipher mode, and payment mechanism shows related data;
Step 304 ': transaction terminal equipment sends to this business bank with the information of receiving according to the data protocol that corresponding business bank requires;
Step 305 ': business bank accepts this business and with result loopback transaction terminal equipment, informs mobile financial services transactions center simultaneously;
Step 306 ': mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to user PDA, finish.
Transaction terminal equipment of the present invention is provided with Wireless/wired communication module, input unit, storage device, cryptographic calculation equipment and printing device and constitutes.It is: common POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA.Wherein, portable transaction terminal equipment can initiatively carry out communication with mobile financial services transactions center or business bank bank card administrative center and be connected, and can initiate activate request by communication network by mobile financial services transactions center, thereby produce being connected and communication of transaction terminal equipment and mobile financial services transactions center.The wireless communication mode at this transaction terminal equipment and mobile financial services transactions center can for GPRS or CDMA transmission mode and the 3rd, 4 generation wireless network.
The communications protocol of being observed in all above-mentioned wireless communication modes can be a kind of or combination more than any one among short message protocol or USSD or WAP or GPRS or the CDMA.
Exchange message format at above-mentioned transaction terminal equipment and mobile financial services transactions center can adopt the customization message format of self-defining message format or business bank, and fundamental norms or GB GB/T15150 that the message format that transaction terminal equipment directly carries out communication with bank card administrative center is then followed ISO8583 exchange message specification.
The communication at transaction terminal equipment and mobile financial services transactions center can adopt multiple encryption algorithms that the data of being transmitted are encrypted in the transmission course of data, and this cryptographic algorithm can be the combination of symmetric encipherment algorithm DES, rivest, shamir, adelman SA and symmetric encipherment algorithm and rivest, shamir, adelman.
When adopting rivest, shamir, adelman, the transmission of public key data is transmitted after can adopting symmetric encipherment algorithm to encrypt again, to guarantee the fail safe of public key information.The transfer of data encrypted secret key data that are used at transaction terminal equipment and mobile financial services transactions center all can be regularly or regularly change, and the data security transmission of the secondary key of realizing once concluding the business.
The communication at mobile financial services transactions center of the present invention and card switching center of state bank and in-house banking of how tame business bank card center, in the transmission course of data, can adopt multiple encryption algorithms equally, the transmission data are encrypted, this cryptographic algorithm can be symmetric encipherment algorithm DES, rivest, shamir, adelman SA, and the combination of symmetric encipherment algorithm and rivest, shamir, adelman.
Referring to Fig. 1, mobile financial services transactions of the present invention center also can be for more than one, when the user pays transaction in the strange land, this user can be by between a plurality of mobile financial services transactions center interconnected, the Transaction Information of its transmission is sent to corresponding bank, transaction terminal equipment, state bank card center and card switching center of in-house banking of how tame business bank.Interconnection between this mobile financial services transactions center can realize by communication network recited above.
It should be noted last that: above embodiment is the unrestricted technical scheme of the present invention in order to explanation only, although the present invention is had been described in detail with reference to the foregoing description, those of ordinary skill in the art is to be understood that: still can make amendment or be equal to replacement the present invention, and not breaking away from any modification or partial replacement of the spirit and scope of the present invention, it all should be encompassed in the middle of the claim scope of the present invention.
Claims (26)
1, a kind of method of mobile payment, it is characterized in that: it comprises the steps:
Step 1: the customer transaction terminal sends payment request information by wireless communication networks to mobile financial services transactions center;
Step 2: the payment request information that mobile financial services transactions center receives and the process user transaction terminal sends, and the validity of validation of payment;
Step 3: mobile financial services transactions center and one of transaction terminal equipment or business bank or its combination operation of concluding the business.
2, the method for mobile payment according to claim 1 is characterized in that: the communication protocol that described customer transaction terminal sends payment request information is: short message protocol or USSD or WAP or GPRS or CDMA.
3, the method for mobile payment according to claim 1 is characterized in that: described wireless communication networks is GMS communication network or cdma communication net or one of 3G mobile radio communication or 4G mobile radio communication or its combination.
4, the method for mobile payment according to claim 1 is characterized in that: described payment request information comprises at least: mobile financial services transactions center identification information, usersaccount information, transaction terminal equipment identification information and business service log-on message.
5, the method for mobile payment according to claim 1 is characterized in that: described payment request information comprises at least: mobile financial services transactions center identification information, transaction terminal equipment identification information and user account number log-on message.
6, the method for mobile payment according to claim 1 is characterized in that: described step 2 specifically comprises:
Step 201: obtain user's data message relevant with payment;
Step 202: judge whether this customer transaction terminal is the legal payment devices that uses this business; If then enter step 203; Otherwise, enter step 207;
Step 203: judge whether professional password is correct, correctly then enter step 204, otherwise enter step 206:
Step 204: verify whether this customer transaction terminal is related with the account No. of appointment; If then enter step 205; Otherwise replying this user need be related with this customer transaction terminal and account No. foundation, finishes;
Step 205: whether the transaction terminal equipment of checking user appointment is available; If then enter step 3; Otherwise, enter step 207;
Step 206: misregistration information and filing;
Step 207: reply the error message of customer transaction terminal, finish.
7, the method for mobile payment according to claim 1 is characterized in that: described mobile financial services transactions center and transaction terminal equipment and business bank conclude the business the operation step be:
Step 301: transaction terminal equipment is connected with business bank by mobile financial services transactions center;
Step 302: mobile financial services transactions center is passed to payment mechanism with transaction identification information, business bank's information, subscriber directory number by cipher mode, and transaction terminal equipment shows this business bank's information and telephone number;
Step 303: the user imports its business bank's account number cipher and dealing money on transaction terminal equipment;
Step 304: transaction terminal equipment is with transaction identification information, business bank's information, subscriber directory number, business bank's account number cipher, and dealing money information sends mobile financial services transactions center to by cipher mode:
Step 305: information that mobile financial services transactions center will be received, that transmitted by transaction terminal equipment is carried out format conversion according to the requirement of corresponding business bank and business bank's account information is resolved;
Step 306: the transaction request after mobile financial services transactions center will be changed is issued corresponding business bank preposition equipment;
Step 307: this business bank accepts this business and with result loopback trade center;
Step 308: mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to customer transaction terminal and transaction terminal equipment; Finish.
8, the method for mobile payment according to claim 1 is characterized in that: described mobile financial services transactions center and transaction terminal equipment and business bank conclude the business the operation step be:
Step 301 ': transaction terminal equipment directly is connected with business bank;
Step 302 ': business bank's account number is resolved at mobile financial services transactions center
Step 303 ': mobile financial services transactions center is passed to transaction terminal equipment with business bank's account number, transaction identification information, subscriber directory number by cipher mode, and payment mechanism shows related data;
Step 304 ': transaction terminal equipment sends to this business bank with the information of receiving according to the data protocol that corresponding business bank requires;
Step 305 ': business bank accepts this business and with result loopback transaction terminal equipment, informs mobile financial services transactions center simultaneously;
Step 306 ': mobile financial services transactions central record transaction situation, and transaction results information is transmitted back to the customer transaction terminal, finish.
9, according to the method for claim 7 or 8 described mobile payments, it is characterized in that: the communication network of the communication that is used for concluding the business between mobile financial services transactions center, transaction terminal equipment, the business bank is: data communication network.
10, according to the method for claim 7 or 8 described mobile payments, it is characterized in that: the communication network of the communication that is used for concluding the business between mobile financial services transactions center, transaction terminal equipment, the business bank is: the public land mobile radio communication.
11, according to the method for claim 7 or 8 described mobile payments, it is characterized in that: corresponding financial transaction security protocol standard is observed in the transaction communication of mobile financial services transactions center and transaction terminal equipment, business bank.
12, according to the method for claim 1 or 2 or 6 or 7 or 8 described mobile payments, it is characterized in that: described customer transaction terminal is mobile phone or PDA.
13, according to the method for claim 1 or 4 or 5 or 6 or 7 or 8 described mobile payments, it is characterized in that: described transaction terminal equipment is common POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA.
14, the method for mobile payment according to claim 13 is characterized in that: the communication that described mobile POS machine and removable automatic vending machine adopt is one of short message, USSD, WAP, GPRS, CDMA or its combination.
15, the method for mobile payment according to claim 6 is characterized in that: described customer transaction terminal is carried out related step with the appointed bank account number and is:
Step 41: the user handles the business application permission of carrying out financial transaction by the customer transaction terminal, registered user's data information by the registration of mobile financial services transactions center;
Step 42: after application was passed through, mobile financial services transactions center was carried out related with one or more bank accounts or credit card number the customer transaction terminal number;
Step 43: the initial password that the user starts financial transaction service is authorized at mobile financial services transactions center;
Step 44: the user is provided with the account No. related with the customer transaction terminal number or the use code of credit card number by mobile financial services transactions center.
16, according to the method for claim 1 or 4 or 5 or 7 or 8 described mobile payments, it is characterized in that: described mobile financial services transactions center is provided with at least:
Database module is used for the data that saved system work moves;
Communication module is used for being responsible for internal system communication service and telecommunication management;
The message data protocol modular converter is used to realize the message data protocol conversion between mobile financial services transactions center and transaction terminal equipment, each business bank, the bank card center communication protocol;
Key management module: the cryptographic algorithm that is used to manage mobile financial services transactions center;
Encrypting-decrypting module is used for mobile financial services transactions database data, communication protocol data, data message in the heart carried out encryption;
The banking system interface module is used to provide the transaction data communication interface at mobile financial services transactions center and bank or bank card center;
The communication network data interface module is used to provide the communication interface between mobile financial services transactions center and the communication network;
The transaction terminal device interface module is used to provide the communication interface between mobile financial services transactions center and the transaction terminal equipment.
17, the method for mobile payment according to claim 16 is characterized in that: described mobile financial services transactions center also is provided with:
System and service management module are used for maintenance management, operation and running state monitoring to mobile financial services transactions center;
The call voice service module is used to provide the voice messaging navigation Service;
The system monitoring module is used for the real-time running state monitoring in mobile financial services transactions center.
18, the method for mobile payment according to claim 16 is characterized in that: described mobile financial services transactions center is one or more, each move communicate by communication network between the financial services transactions center interconnected.
19, a kind of mobile-payment system is characterized in that: which comprises at least: customer transaction terminal, transaction terminal equipment, one or more mobile financial services transactions center, business bank card center and card switching center of state bank; Wherein,
The customer transaction terminal is communicated by letter with mobile financial services transactions center by wireless communication networks;
Mobile financial services transactions center is by wireless communication networks or wire net or its combination is moved the financial services transactions center with other respectively, business bank blocks center, card switching center of state bank and transaction terminal devices communicating.
20, mobile-payment system according to claim 19 is characterized in that: described mobile financial services transactions center is provided with at least:
Database module is used for the data that saved system work moves;
Communication module is used for being responsible for internal system communication service and telecommunication management;
The message data protocol modular converter is used to realize the message data protocol conversion between mobile financial services transactions center and transaction terminal equipment, each business bank, the bank card center communication protocol;
Key management module: the cryptographic algorithm that is used to manage mobile financial services transactions center;
Encrypting-decrypting module is used for mobile financial services transactions database data, communication protocol data, data message in the heart carried out encryption;
The banking system interface module is used to provide the transaction data communication interface at mobile financial services transactions center and bank or bank card center;
The communication network data interface module is used to provide the communication interface between mobile financial services transactions center and the communication network;
The transaction terminal device interface module is used to provide the communication interface between mobile financial services transactions center and the transaction terminal equipment.
21, mobile-payment system according to claim 20 is characterized in that: described mobile financial services transactions center also is provided with:
System and service management module are used for maintenance management, operation and running state monitoring to mobile financial services transactions center;
The call voice service module is used to provide the voice messaging navigation Service;
The system monitoring module is used for the real-time running state monitoring in mobile financial services transactions center.
22, mobile-payment system according to claim 19 is characterized in that: described wireless communication networks is GMS communication network or cdma communication net or 3G communication network or 4G communication network or its combination.
23, mobile-payment system according to claim 19 is characterized in that: the described user mobile phone communication protocol of observing of communicating by letter with mobile financial services transactions center is: short message protocol or USSD or WAP or GPRS or CDMA.
24, mobile-payment system according to claim 19 is characterized in that: described customer transaction terminal is mobile phone or PDA.
25, according to claim 19 or 20 described mobile-payment systems, it is characterized in that: described transaction terminal equipment is: common POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA.
26, mobile-payment system according to claim 25 is characterized in that: the communication that described mobile POS machine and removable automatic vending machine adopt is one of short message, USSD, WAP, GPRS, CDMA or its combination.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB01139885XA CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB01139885XA CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1423472A true CN1423472A (en) | 2003-06-11 |
| CN100471214C CN100471214C (en) | 2009-03-18 |
Family
ID=4675488
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB01139885XA Expired - Fee Related CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN100471214C (en) |
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100350808C (en) * | 2003-08-26 | 2007-11-21 | 杭州义盛祥通信技术有限公司 | Mobile terminal equipment auto-identification and value-added service access system |
| CN100382486C (en) * | 2004-10-26 | 2008-04-16 | 恒生电子股份有限公司 | Safety authentication method of cell phone bank system |
| CN100444658C (en) * | 2003-06-24 | 2008-12-17 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
| CN101751729A (en) * | 2008-12-03 | 2010-06-23 | 黄金富 | Unionpay card mobile phone payment system and payment method adopting USSD information |
| CN101834946A (en) * | 2010-05-11 | 2010-09-15 | 丁峰 | Method for performing safe mobile phone payment and mobile phone for performing safe payment |
| CN101882343A (en) * | 2009-05-05 | 2010-11-10 | 中国移动通信集团公司 | Method, system and equipment for cardless operation of automatic teller machine |
| CN101960762A (en) * | 2008-02-26 | 2011-01-26 | 巴特尔能源联合有限责任公司 | Systems and methods for performing wireless financial transactions |
| CN102118743A (en) * | 2011-03-02 | 2011-07-06 | 中兴通讯股份有限公司 | Method and system for logging onto online bank with mobile phone, and bank server |
| CN102254287A (en) * | 2011-06-27 | 2011-11-23 | 中国建设银行股份有限公司 | Bank business mobile processing system and method |
| CN101216915B (en) * | 2008-01-21 | 2012-07-25 | 深圳市路通网络技术有限公司 | A secured mobile payment method |
| CN101098225B (en) * | 2006-06-29 | 2012-07-25 | 中国银联股份有限公司 | Safety data transmission method and paying method, paying terminal and paying server |
| CN104680371A (en) * | 2013-12-02 | 2015-06-03 | 中国银联股份有限公司 | Card-free transaction processing method and system |
| CN105281896A (en) * | 2014-07-17 | 2016-01-27 | 深圳华智融科技有限公司 | Secret key POS machine activation method and system based on elliptical curve algorithm |
| CN106027534A (en) * | 2016-05-26 | 2016-10-12 | 浪潮（苏州）金融技术服务有限公司 | System for implementing financial message processing based on Netty |
| WO2017079984A1 (en) * | 2015-11-13 | 2017-05-18 | 华为技术有限公司 | Method of registering mobile pos, corresponding device and system |
| CN107111913A (en) * | 2014-11-12 | 2017-08-29 | U锁（私人）有限公司 | System and method for carrying out safe credit card, debit card and retail card transaction |
| CN107958408A (en) * | 2017-12-07 | 2018-04-24 | 赛拓信息技术有限公司 | A kind of transaction platform |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW201435768A (en) * | 2013-03-15 | 2014-09-16 | Ri Li Feng He Co Ltd | Secure payment method of placing a shopping order via mobile communication device and the system platform |
-
2001
- 2001-12-04 CN CNB01139885XA patent/CN100471214C/en not_active Expired - Fee Related
Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100444658C (en) * | 2003-06-24 | 2008-12-17 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
| CN100444657C (en) * | 2003-06-24 | 2008-12-17 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
| CN100350808C (en) * | 2003-08-26 | 2007-11-21 | 杭州义盛祥通信技术有限公司 | Mobile terminal equipment auto-identification and value-added service access system |
| CN100382486C (en) * | 2004-10-26 | 2008-04-16 | 恒生电子股份有限公司 | Safety authentication method of cell phone bank system |
| CN101098225B (en) * | 2006-06-29 | 2012-07-25 | 中国银联股份有限公司 | Safety data transmission method and paying method, paying terminal and paying server |
| CN101216915B (en) * | 2008-01-21 | 2012-07-25 | 深圳市路通网络技术有限公司 | A secured mobile payment method |
| CN101960762A (en) * | 2008-02-26 | 2011-01-26 | 巴特尔能源联合有限责任公司 | Systems and methods for performing wireless financial transactions |
| CN101960762B (en) * | 2008-02-26 | 2017-06-23 | 巴特尔能源联合有限责任公司 | system and method for performing wireless financial transactions |
| CN101751729A (en) * | 2008-12-03 | 2010-06-23 | 黄金富 | Unionpay card mobile phone payment system and payment method adopting USSD information |
| CN101882343A (en) * | 2009-05-05 | 2010-11-10 | 中国移动通信集团公司 | Method, system and equipment for cardless operation of automatic teller machine |
| CN101834946A (en) * | 2010-05-11 | 2010-09-15 | 丁峰 | Method for performing safe mobile phone payment and mobile phone for performing safe payment |
| CN102118743A (en) * | 2011-03-02 | 2011-07-06 | 中兴通讯股份有限公司 | Method and system for logging onto online bank with mobile phone, and bank server |
| CN102254287A (en) * | 2011-06-27 | 2011-11-23 | 中国建设银行股份有限公司 | Bank business mobile processing system and method |
| CN104680371A (en) * | 2013-12-02 | 2015-06-03 | 中国银联股份有限公司 | Card-free transaction processing method and system |
| CN105281896A (en) * | 2014-07-17 | 2016-01-27 | 深圳华智融科技有限公司 | Secret key POS machine activation method and system based on elliptical curve algorithm |
| CN105281896B (en) * | 2014-07-17 | 2018-11-27 | 深圳华智融科技股份有限公司 | A kind of key POS machine Activiation method and system based on elliptic curve |
| CN107111913A (en) * | 2014-11-12 | 2017-08-29 | U锁（私人）有限公司 | System and method for carrying out safe credit card, debit card and retail card transaction |
| WO2017079984A1 (en) * | 2015-11-13 | 2017-05-18 | 华为技术有限公司 | Method of registering mobile pos, corresponding device and system |
| CN107005619A (en) * | 2015-11-13 | 2017-08-01 | 华为技术有限公司 | A kind of method, corresponding intrument and system for registering mobile sale point terminal POS |
| CN106027534A (en) * | 2016-05-26 | 2016-10-12 | 浪潮（苏州）金融技术服务有限公司 | System for implementing financial message processing based on Netty |
| CN107958408A (en) * | 2017-12-07 | 2018-04-24 | 赛拓信息技术有限公司 | A kind of transaction platform |
Also Published As
| Publication number | Publication date |
|---|---|
| CN100471214C (en) | 2009-03-18 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN1423472A (en) | Mobile payment method and system thereof | |
| CN1166146C (en) | Course, system and telephone set for remote payment using mobile radio telephone set | |
| CN1561498A (en) | Apparatus, method and system for payment using mobile device | |
| US20100094752A1 (en) | Method and system for mobile banking and mobile payments | |
| CN1941009A (en) | Method for realizing fee payment by mobile telecommunication terminal | |
| CN1788292A (en) | Method and system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent | |
| CN1578962A (en) | Financial transactions system and method using electronic information | |
| CN101060403A (en) | Wireless communication terminal-based interactive dynamic password safety service system | |
| CN1908981A (en) | Wireless computer wallet for physical point of sale (pos) transactions | |
| CN1625888A (en) | System and method for starting financial transaction service provided by remote communication operation mechanism | |
| CN101034449A (en) | Method, system and mobile terminal for implementing electronic payment | |
| CN1635525A (en) | Security Internet payment system and security Internet payment authentication method | |
| CN1449536A (en) | A system and method for directory services and e-commerce across multi-provider networks | |
| CN1798204A (en) | Payment system and implement method | |
| CN1758279A (en) | Method for purchasing lottery ticket using radio data communication mode | |
| CN101034486A (en) | Account safety payment method and system based on user control | |
| CN1585964A (en) | Prepaid card information issuing system, call rate settlement system, communication rate settlement system, and expense settlement system | |
| CN1726686A (en) | Providing convenience and authentication for trade | |
| CN1417734A (en) | Method for implementation of electronic payment | |
| CN1501684A (en) | Method for implementing prepayment multimedia message service | |
| CN1828651A (en) | Method for achieving payment of one individual to another using voice and short message communication | |
| CN1811807A (en) | Method and system for accomplishing person to person payment using pronunciation and short message communication | |
| CN1575563A (en) | System and method for performing mutual authentication between mobile terminal and server | |
| CN1588954A (en) | Intelligent terminal, system including said intelligent terminal and data exchanging method | |
| CN1176556C (en) | Mobile data service network system and its communication method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20090318 Termination date: 20201204 |