CN1595462A - Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method - Google Patents
Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method Download PDFInfo
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- CN1595462A CN1595462A CN 200410027759 CN200410027759A CN1595462A CN 1595462 A CN1595462 A CN 1595462A CN 200410027759 CN200410027759 CN 200410027759 CN 200410027759 A CN200410027759 A CN 200410027759A CN 1595462 A CN1595462 A CN 1595462A
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Abstract
The invention relates to a cell phone and banking card combination equipment, and the new type electronic business affairs payment system based on the equipment together with its usage. The cell phone number and the stock information of the owner are stored in the cell phone, together with a short message transceiver module included. The cell phone number is consistent to the bank account number. The system is composed of the mentioned equipment, the public wireless mobile communication network, the short message center, the bank computer and the point-of-sale terminals of the manufactures. The usage lies in the following: (1) the bank and the mobile phone company issues the account number and the cell phone number, which are consistent to each other; (2) constitute the mentioned system; (3) the system setup; (4) when paying, the cell phone number of the owner is keyed in or transferred to the point-of-sale terminal through the wireless transmitter; (5) the terminal transmits the account transfer information to the bank computer; (6) the expense amount (a) needed to be paid by the owner is compared with the stock surplus (b) of his corresponding account by the computer, if a >b, execute step (7), otherwise execute step (8); (7) the short message that there is not enough stock surplus and the transaction is terminated, is transferred to the equipment by the computer, and turn to step (10); (8) the bill of costs and the short messages such as the payment is permitted, please enter the password and press X to exist and so on, are transferred to the equipment by the computer; (9) the transaction result information is transferred to the equipment through the short message center by the computer; (10) the operation is terminated and a transaction cycle is implemented.
Description
Technical field
The present invention relates to mobile communication and e-commerce field, novel business electronic charging system and using method that particularly a kind of mobile phone-bank card set composite, its constituted.
Background technology
Along with finance, telecommunication, rapid development of network technology, all kinds of science and technology that are convenient for people to life ﹠ amusement are arisen at the historic moment, and people also reach unprecedented stage to pursuing, relying on of science and technology and fashion.The most tangible example is exactly the status of mobile phone in people's life, in the large-and-medium size cities of today, use crowd's proportion of mobile phone very surprising, particularly the consumer of young and middle-aged stratum, mobile phone has been a requisite some in the life for them.Nonetheless, the mobile phone manufacturer of countries in the world also drops into the new function of huge fund research and development constantly.The business electronic charging system electricity that is used for various consumption, transaction is being sent out long with rapid changepl. never-ending changes and improvementsly, and the various stored value cards (general designation bank card) that are used for the electronization paying have obtained widespread usage, have made things convenient for people's life, have improved social efficiency, have increased security.But such card is many, and the consumer is at a loss, and also is not easy to keeping, carries and uses.And in fact, these card function basically identicals there is no too big difference.Since mobile phone (or claiming mobile phone) has been requisite some during people live, so, mobile phone and bank's stored value card can be integrated? if so,, bring bigger convenience to people just can significantly reduce the quantity of bank card to the greatest extent.Such technology does not have announcement as yet in existing disclosed document.Relevant document has: 1, Chinese patent CN1138239C (international application priority date: 1996.8.29) disclose a kind of automatic electronic funds transfer system and method; 2, Chinese patent CN1112062C, a kind of portable wireless mobile network point-of-sale terminal system and method for operating thereof are disclosed; 3, Chinese patent CN1127033C discloses a kind of mobile radio network point-of-sale terminal system.Its goal of the invention all be for user (consumer) and commodity are provided or the businessman of service (businessman) between provide a kind of can be through computing machine, the communication network platform automatic means of transfer fund (account transfer) between appointed bank.Specifically as described in the Chinese patent CN1127033C, it is disclosed to be the business electronic charging system that a kind of mobile phone by the consumer, wireless POS terminating machine, public mobile data communications network, wireless POS machine administrative center subsystem constitute.Wherein, mobile phone, public mobile data communications network are prior art products, do not make improvements; Wireless POS (sale) terminating machine and wireless POS machine administrative center subsystem then are to design for this system support specially.The shortcoming of this system is: 1, need to eliminate existing device, make wireless POS (sale) terminating machine and wireless POS machine administrative center subsystem for this system support specially, and form new system, thereby, need to increase new investment, increasing use, maintenance cost, also is that consumer and businessman bring burden and inconvenience.
Summary of the invention
Task of the present invention is the defective that will overcome prior art, utilize clearing, the account transfer computer network of existing public radio mobile communication network, short message transmitting system, bank and the point-of-sale terminal equipment that is located at each businessman, transformation in conjunction with existing mobile phone provides a kind of mobile phone-bank card set composite, and constitute novel business electronic charging system by it, by predetermined using method, under the situation that does not increase equipment investment, bring more convenience, efficient and safety for consumer (client) and businessman.
Basic imagination of the present invention is: allow mobile phone become " virtual " bank card under the constant prerequisite of function own, the consumer applies for the data of back input oneself in the RAM (random access memory) card (SIM card) of mobile phone, the deposit information of mobile phone and appointed bank is interrelated, thereby the consumer only can be done shopping in each businessman that fixes a point with Mobile Directory Number and affirmation password.In other words, just making Mobile Directory Number is telephone number, is again bank's stored value card, also be shopping, savings number of the account, the consumer deposits cash in the number of the account of appointed bank after, this cash both can be as the mobile phone billing that prestores, also can be as the savings shopping of transferring accounts.
Technical scheme of the present invention is as follows:
A kind of mobile phone-bank card set composite, comprise characteristic information module that includes phone number and short message sending/receiving module in mobile phone, its RAM (random access memory) card, the RAM (random access memory) card, it is characterized in that also being provided with in the described characteristic information module deposit information module of machine master in the bank of deposit, described phone number is consistent with the account No. in the deposit information module.
Novel business electronic charging system with above-mentioned mobile phone-bank card set composite formation, it is characterized in that this system comprises several described mobile phone-bank card set composites, this device links, and then links and the formation system with several point-of-sale terminals that are located at each businessman through clearing, the account transfer network computer of public radio mobile communication network and the Short Message Center and the described bank of deposit.
The using method of novel business electronic charging system, step is: 1. unified or corresponding open a bank account account number and the phone number of distribution number coordinated by bank and mobile telephone company; 2. utilize the clearing, account transfer network computer of existing public radio mobile communication network, Short Message Center, the bank of deposit, the POS machine point-of-sale terminal that is located at each businessman to constitute described novel business electronic charging system in conjunction with mobile phone-bank card set composite; 3. system powers on, start; 4. when the machine master of mobile phone-bank card set composite shopping or payment services expense, in point-of-sale terminal, key in or with mobile phone-bank card set composite to its wireless transmission phone number; 5. point-of-sale terminal will do shopping or service fee account transfer information be sent to the described bank of deposit clearing, the account transfer network computer; 6. the computing machine of the described bank of deposit is compared the Fee Amount a of the required payment of machine master with the savings remaining sum b of machine master on the corresponding account number of opening an account of this bank, and a is during greater than b, execution in step 7., when a was less than or equal to b, execution in step was 8.; 7. the network computer of settling accounts, transfer accounts sends the short message of " Sorry, your ticket has not enough value in savings on the account, and transaction stops " printed words through Short Message Center to mobile phone-bank card set composite, changes step 10.; 8. the network computer of settling accounts, transfer accounts sends the short message of tranaction costs inventory and " agree payment, please input password, and press X bond bundle " and so on to mobile phone-bank card set composite through Short Message Center; 9. the network computer of settling accounts, transfer accounts sends transaction results information through Short Message Center to mobile phone-bank card set composite (A); 10. operation stops, and finishes a transaction circulation.
The present invention's advantage compared to prior art is: under the situation that does not increase the new equipment investment, only need canned data module correct to the RAM (random access memory) card of prior art mobile phone, replenish, utilize the prior art equipment, facility, just can form the novel business electronic charging system of the present invention, just can make conventional mobile phone become " virtual bank " according to pre-programmed method step operation, " bank that moves ", " bank of roaming ", greatly facilitate people's trip and purchase and consumption, reduced the quantity that the individual carries bank card, increased security, offered convenience for consumer (client) and businessman, efficient and safety.
Advantage of the present invention also is embodied in:
1, as long as the consumer has applied for " mobile banking " virtual credit card business, must deposit cash in the bank of appointment in use, therefore bank will obtain a large amount of savings, help development and national economy.
2, concerning telephone operator: as releasing " Mobile banking " this virtual concept, a kind of new consumption and financing idea will be created, because in " mobile banking ", injected a large amount of cashes, the cost that people do shopping in use will become the focus of concern, comparatively speaking, to the degree of concern of mobile phone expense will be relatively a little less than, be example with Guangzhou, estimating every month can bring the telephone expenses income that is no less than 5 hundred million to telephone operator, helps promoting the development of IT, telecommunications industry.
3, concerning the consumer: need only remember mobile phone number and password, need not to be with cash, need not to be with other bank card, can graceful shopping.Convenient, fast, fashion is indubitable.These new things must attract numerous young and middle-aged consumers that stable income is arranged, and when the crowd who uses " mobile banking " reaches some, this trend will cover whole consumption market.
4, along with the fast development of network technology, various bank cards change the virtual card trend that is inevitable over to by entity card, according to investigations, also do not occur the Related product that constitutes with mobile phone at present in the world.This is the market of a blank, and the appearance of product of the present invention will be filled up this blank, will inevitably promote the scientific-technical progress in this field, also brings material benefit for each side concerned simultaneously.
Description of drawings
Fig. 1 is the structural representation of novel business electronic charging system of the present invention;
Fig. 2 is that the using method of system of the present invention is embodied in the flow diagram on the step.
Below in conjunction with embodiment the present invention is further described.
Embodiment
Embodiment:
Mobile phone-bank card set composite comprises characteristic information module 3 that includes phone number and short message sending/receiving module 4 in mobile phone 1, its RAM (random access memory) card 2, the RAM (random access memory) card 2.Also be provided with the deposit information module 5 of machine master in the characteristic information module 3 in the bank of deposit.Account No. in phone number and the deposit information module 5 is identical or corresponding.RAM (random access memory) card 2 can be SIM card or other storer.In general characteristic information module 3 contains organic owner identification information, such as: comprise name, address, sex, age.In general deposit information module 5 can contain account holder (machine master's) identity information, the bank of deposit, the address of opening an account, the date of opening an account, account number, the transaction currency amount of money, trade date record etc.Certainly, once write down just much of thatly in characteristic information module 3 or deposit information module 5 for account holder's (machine master) identity information, needn't repeat.
The novel business electronic charging system of the present invention comprises several mobile phones-bank card set composite A.Concrete quantity is decided on the consumer's (client) that selects the native system service quantity, in theory at least one, as many as is numerous.Mobile phone-bank card set composite A links through public radio mobile communication network B, the C of its Short Message Center clearing, the account transfer network computer D with the concrete bank of deposit, and then links with several point-of-sale terminals E that is located at each businessman and constitute system of the present invention.Point-of-sale terminal E promptly is the POS machine that can see in each point of sale usually in the present embodiment.
Certainly, E transforms slightly to point-of-sale terminal, and increase by can receive the radio receiver E1 of the phone number of mobile phone-bank card set composite A transmission, also is feasible, can be more accurate, convenient than manually key in phone number on point-of-sale terminal E.
The using method of novel business electronic charging system is embodied in following steps: 1. unified or corresponding open a bank account account number and the phone number of distribution number coordinated by bank and mobile telephone company; 2. utilize clearing, the account transfer network computer D of existing public radio mobile communication network B, the C of Short Message Center, the bank of deposit, the POS machine point-of-sale terminal E that is located at each businessman to constitute described novel business electronic charging system in conjunction with mobile phone-bank card set composite A; 3. system powers on, start; 4. when the machine master of mobile phone-bank card set composite A shopping or payment services expense, in point-of-sale terminal E, key in or with mobile phone-bank card set composite A to its wireless transmission phone number; 5. point-of-sale terminal E will do shopping or service fee account transfer information is sent to clearing, the account transfer network computer D of the described bank of deposit; 6. the computing machine of the described bank of deposit is compared the Fee Amount a of the required payment of machine master with the savings remaining sum b of machine master on the corresponding account number of opening an account of this bank, a is during greater than b, execution in step 7., a during less than b (by bank's regulation, usually the remaining sum on the stored value card can not be zero, a ≠ b), execution in step 8. so set usually; 7. settle accounts, transfer accounts network computer D through the short message of the C of Short Message Center, change step 10. to mobile phone-bank card set composite A transmission " Sorry, your ticket has not enough value in savings on the account, and transaction stops " printed words; 8. the network computer D that settles accounts, transfers accounts sends the short speech breath of tranaction costs inventory and " agree payment, please input password, and press X bond bundle " and so on to mobile phone-bank card set composite A through the C of Short Message Center; 9. the network computer D that settles accounts, transfers accounts sends transaction results information through the C of Short Message Center to mobile phone-bank card set composite A; 10. operation stops, and finishes a transaction circulation.
Claims (5)
1, a kind of mobile phone-bank card set composite, comprise characteristic information module (3) that includes phone number and short message sending/receiving module (4) in mobile phone (1), its RAM (random access memory) card (2), the RAM (random access memory) card (2), it is characterized in that also being provided with in the described characteristic information module (3) the deposit information module (5) of machine master in the bank of deposit, the account No. in described phone number and the deposit information module (5) is identical or corresponding.
2, the novel business electronic charging system that constitutes with the described mobile phone of claim 1-bank card set composite, it is characterized in that this system comprises several described mobile phones-bank card set composite (A), this device (A) links, and then links and the formation system with several point-of-sale terminals (E) that are located at each businessman with the clearing of the described bank of deposit, the network computer (D) of transferring accounts through public radio mobile communication network (B) and Short Message Center (C).
3,, it is characterized in that described point-of-sale terminal (E) is the POS machine according to the described novel business electronic charging system of claim 2.
4, according to claim 2 or 3 described novel business electronic charging systems, it is characterized in that described point-of-sale terminal (E) be provided with can the described phone number of wireless receiving device (E1).
5, the using method of the described novel business electronic charging system of claim 4, step is: 1. unified or corresponding open a bank account account number and the phone number of distribution number coordinated by bank and mobile telephone company; 2. utilize the clearing, account transfer network computer (D) of existing public radio mobile communication network (B), Short Message Center (C), the bank of deposit, the POS machine point-of-sale terminal (E) that is located at each businessman to constitute described novel business electronic charging system in conjunction with mobile phone-bank card set composite (A); 3. system powers on, start; 4. when the machine master of mobile phone-bank card set composite (A) shopping or payment services expense, in point-of-sale terminal (E) key entry or with mobile phone-bank card set composite (A) to its wireless transmission phone number; 5. point-of-sale terminal (E) will do shopping or service fee account transfer information be sent to the described bank of deposit clearing, the account transfer network computer (D); 6. the computing machine of the described bank of deposit is compared the Fee Amount a of the required payment of machine master with the savings remaining sum b of machine master on the corresponding account number of opening an account of this bank, and a is during greater than b, execution in step 7., when a was less than or equal to b, execution in step was 8.; 7. the network computer (D) of settling accounts, transfer accounts sends the short message of " Sorry, your ticket has not enough value in savings on the account, and transaction stops " printed words through Short Message Center (C) to mobile phone-bank card set composite (A), changes step 10.; 8. the network computer (D) of settling accounts, transfer accounts sends the short message of tranaction costs inventory and " agree payment, please input password, and press X bond bundle " and so on to mobile phone-bank card set composite (A) through Short Message Center (C); 9. the network computer (D) of settling accounts, transfer accounts sends transaction results information through Short Message Center (C) to mobile phone-bank card set composite (A); 10. operation stops, and finishes a transaction circulation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410027759 CN1595462A (en) | 2004-06-23 | 2004-06-23 | Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410027759 CN1595462A (en) | 2004-06-23 | 2004-06-23 | Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method |
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| CN1595462A true CN1595462A (en) | 2005-03-16 |
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| CN 200410027759 Pending CN1595462A (en) | 2004-06-23 | 2004-06-23 | Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101807319A (en) * | 2010-03-03 | 2010-08-18 | 交通银行股份有限公司 | Authentication method and system based on ATM |
| CN102147948A (en) * | 2010-02-05 | 2011-08-10 | 中国移动通信集团公司 | System and method for generating information interaction voucher |
| CN102402821A (en) * | 2010-09-07 | 2012-04-04 | 冯石文 | Mobile electronic money switchboard |
| CN102509400A (en) * | 2011-11-04 | 2012-06-20 | 杭州中正生物认证技术有限公司 | Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal |
| CN102568124A (en) * | 2010-12-24 | 2012-07-11 | 汉斯·杰里·乌尔本·彼得森 | Communication method between traditional charging equipment and mobile payment system |
| CN101345940B (en) * | 2008-05-05 | 2012-09-05 | 杜克发 | Mobile phone self-service system and method |
| CN103198588A (en) * | 2013-03-18 | 2013-07-10 | 崔卫东 | Settlement system based on settlement through terminal |
| CN117253324A (en) * | 2023-09-06 | 2023-12-19 | 北京神州安付科技股份有限公司 | POS compatible system platform |
-
2004
- 2004-06-23 CN CN 200410027759 patent/CN1595462A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101345940B (en) * | 2008-05-05 | 2012-09-05 | 杜克发 | Mobile phone self-service system and method |
| CN102147948A (en) * | 2010-02-05 | 2011-08-10 | 中国移动通信集团公司 | System and method for generating information interaction voucher |
| CN101807319A (en) * | 2010-03-03 | 2010-08-18 | 交通银行股份有限公司 | Authentication method and system based on ATM |
| CN102402821A (en) * | 2010-09-07 | 2012-04-04 | 冯石文 | Mobile electronic money switchboard |
| CN102568124A (en) * | 2010-12-24 | 2012-07-11 | 汉斯·杰里·乌尔本·彼得森 | Communication method between traditional charging equipment and mobile payment system |
| CN102509400A (en) * | 2011-11-04 | 2012-06-20 | 杭州中正生物认证技术有限公司 | Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal |
| CN103198588A (en) * | 2013-03-18 | 2013-07-10 | 崔卫东 | Settlement system based on settlement through terminal |
| CN103198588B (en) * | 2013-03-18 | 2015-06-03 | 崔卫东 | Settlement system based on settlement through terminal |
| CN117253324A (en) * | 2023-09-06 | 2023-12-19 | 北京神州安付科技股份有限公司 | POS compatible system platform |
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