CN1622104A - Transaction payment method - Google Patents
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- CN1622104A CN1622104A CN 200310115734 CN200310115734A CN1622104A CN 1622104 A CN1622104 A CN 1622104A CN 200310115734 CN200310115734 CN 200310115734 CN 200310115734 A CN200310115734 A CN 200310115734A CN 1622104 A CN1622104 A CN 1622104A
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Abstract
The trade payment method includes: setting mark module corresponding to the user account number and mark module information acquiring identifying equipment in advance; obtaining the mark module information with the identifying equipment and sending the mark module information to the service terminal, and transmitting the trade information including at least mark module related information and service provider related information with the service terminal to the bank trade dealing system during dealing with trade; and transferring account in the bank trade dealing system. The present invention makes it possible for the user to consume by only carrying easy-to-carry mark module and makes it possible for several users to use the same bank account number simultaneously via copying the mark module.
Description
Technical field
The present invention relates to the transaction payment business field, relate to a kind of transaction payment method or rather.
Background technology
In the past, the user paid down every transaction, and this requires the user to carry enough cashes when transaction.If carry short of cashly, just can't conclude the business.If the turnover of a certain transaction is bigger, then the user must carry a large amount of cashes, and obviously, buckets of cash is not easy to the user and carries, and if cash lose, then can cause very big loss to the user.In addition, because coin circulates in various occasions, be very easy to carry various bacteriums, the user tends to touch a lot of bacteriums because of contacting cash continually, is unfavorable for that the user's is healthy.
Along with the continuous development of financial industry, bank provides some non-cash transaction methods for the user.Use to such an extent that be exactly the business of swiping the card the most widely at present.The service needed of swiping the card bank provides bank card for the user, and service terminal is set in market or supermarket as the service provider, service terminal obtains user's Bank Account Number by user card punching, and this user account, service provider's number of the account and current dealing money reported the bank transaction disposal system of bank, the bank transaction disposal system according to these information to the current transaction processing of transferring accounts.
This bankcard consumption has remedied the deficiency of cash consumption, has made things convenient for the user to a great extent.But part also comes with some shortcomings.Such as, professional for swiping the card, if the user carries out bankcard consumption, then must carry bank card, that is to say that the user who only carries this bank card just can carry out bankcard consumption.This can both consume by swiping the card for guaranteeing each member for the more situation of kinsfolk, then needs to apply for a bank card for each member.If user's bank card is lost, then must go lose bank card issuing bank handle the business of reporting the loss, and make up or apply for again a bank card, this is for the user, very trouble.In addition, because every bank card all has certain manufacturing cost, bank need drop into more fund for making bank card, has caused the waste of bank capital to a certain extent, has increased the bank operation cost.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of transaction payment method, and making the user not need bank card can be that current transaction is paid by the user account of oneself.
For reaching above purpose, technical scheme of the present invention is achieved in that a kind of transaction payment method, and this method may further comprise the steps:
A. set in advance and user account corresponding identification module, and the identification equipment that is used to obtain identification module information;
B. when carrying out transaction processing, identification equipment obtains identification module information, and this identification module information sent to service terminal, service terminal will comprise at least that the relevant information in the described identification module information and the Transaction Information of service provider's number of the account relevant information send to the bank transaction disposal system, here, abbreviate the relevant information in the identification module information as the identification module relevant information;
C. the bank transaction disposal system is obtained user account according to the identification module relevant information, obtains service provider's number of the account according to service provider's number of the account relevant information, and according to current dealing money to the processing of transferring accounts of user account and service provider's number of the account.
This method may further include: the corresponding relation of identification module relevant information and user account is kept in the bank transaction disposal system; Among the step c, described bank transaction disposal system is obtained user account according to the identification module relevant information from the corresponding relation of self preserving.
Described identification module relevant information comprises the identification module id information, and/or mobile terminal number.
Among the described step a, described identification module information comprises user account; Identification module relevant information among the described step b comprises user account.
Among the described step a, described identification module and identification equipment are respectively bar code and bar code scanner; Or be respectively two-dimension code and two-dimension code scanner; Or be respectively icon image information and icon image identification equipment; Or be respectively electronic tag and electronic tag scanning device; Or be respectively wireless identification device and wireless identification device.
Among the described step b, described service provider's number of the account relevant information comprises service provider's number of the account; Among the described step c, described bank transaction disposal system is directly obtained service provider's number of the account from Transaction Information.
This method further comprises: the corresponding relation of service terminal information and service provider's number of the account is kept in the bank transaction disposal system;
Among the step b, described service provider's number of the account relevant information is a service terminal information;
Among the step c, described bank transaction disposal system is obtained corresponding service provider's number of the account according to current service terminal information from the corresponding relation of self preserving.
Among the described step b, described Transaction Information further comprises: service terminal id information or service terminal number information or service provider's id information or transaction journal information, or the combination in any of above four kinds of information.
Among the described step b, described Transaction Information further comprises the dealing money of current transaction; Among the step c, described bank transaction disposal system is directly obtained current dealing money from Transaction Information.
Among the described step c, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C11. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to service terminal;
C12. after service terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
C13. the bank transaction disposal system judges whether the response message of receiving is confirmation, if, the processing of then transferring accounts; Otherwise, refuse to transfer accounts processing.
Among the described step a, described identification module information further comprises mobile terminal number, and described bank transaction disposal system is obtained mobile terminal number according to this identification module relevant information.
This method can further include: the bank transaction disposal system is preserved the corresponding relation of identification module relevant information and customer mobile terminal number, and described bank transaction disposal system is obtained mobile terminal number according to the identification module relevant information.
Among the step c, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C21. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to portable terminal;
C22. after portable terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
C23. the bank transaction disposal system judges whether the response message of receiving is confirmation, if, the processing of then transferring accounts; Otherwise, refuse to transfer accounts processing.
May further include after the described step c: the bank transaction disposal system is returned the transaction execution result to portable terminal; After described portable terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
Described bank transaction disposal system may further include after transferring accounts: the bank transaction disposal system generates the bill of current transaction according to the Transaction Information of current transaction, and should current transaction bill send to portable terminal.
The affirmation solicited message that described bank transaction disposal system sends is the solicited message of whether concluding the business; Describedly return response message to the bank transaction disposal system and be,, then return confirmation if confirm to conclude the business, otherwise, the information of Cancelling Transaction returned.
Described affirmation solicited message further comprises the password input information; Described affirmation is concluded the business and is comprised input and confirm password.
This method can further include: set in advance the dealing money threshold value; Among the step c, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C31. whether judge current dealing money less than the dealing money threshold value that sets in advance, if less than, then send to confirm the information that current Transaction Information is whether correct, and enter step c32 to portable terminal; Otherwise, send to portable terminal and to require the user to pass through the whether correct information of the current Transaction Information of password confirming, and enter step c32;
C32. the bank transaction disposal system judges whether the affirmation information of receiving that portable terminal returns, if receive the affirmation information that portable terminal returns, then carries out processings of transferring accounts, otherwise, refuse to transfer accounts processing.
This method may further include: set in advance the dealing money threshold value; Among the step c, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts according to current dealing money:
C41. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send to confirm the information that current Transaction Information is whether correct to service terminal, and enter step c42, require the user to pass through the whether correct information of the current Transaction Information of password confirming otherwise send, and to enter step c42 to service terminal;
Step c42. bank transaction disposal system judges whether the affirmation information of receiving that service terminal returns, if receive the affirmation information that service terminal returns, then carries out processings of transferring accounts, otherwise, refuse to transfer accounts processing.
May further include after the described step c: the bank transaction disposal system is returned the transaction execution result to service terminal; After described service terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
This method can further include: set in advance the dealing money threshold value; Among the described step a, the corresponding two or more user accounts of described identification module; Among the step c, whether described bank transaction disposal system determines the user account of current transaction less than the dealing money threshold value that sets in advance according to current dealing money.
Among the described step a, the corresponding at least identification module of described user account.
Among the described step a, in described and the user account corresponding identification module, have one at least for being arranged on the mobile logo module in the portable terminal, and in the bank transaction disposal system, preserve the corresponding relation of this mobile logo module information and user account;
Described step b further comprises: portable terminal sends to the bank transaction disposal system with this mobile logo module information;
Among the step c, described bank transaction disposal system further comprised before processing is transferred accounts in execution: the mobile logo module information that obtains the user account correspondence from the corresponding relation of self preserving, and judge whether the mobile logo module information of receiving is identical with the mobile logo module information that gets access to, if it is identical, then carry out the processing of transferring accounts, otherwise refusal is carried out the processing of transferring accounts.
This method further comprises: set in advance one or more dealing money threshold value, and specific mobile terminal number is set at different dealing money threshold ranges, the bank transaction disposal system further comprised before the processing of transferring accounts: the dealing money threshold range of determining current dealing money place, and send the information of confirming that current Transaction Information is whether correct to the pairing mobile terminal number of this dealing money threshold range, and judge whether the affirmation information of receiving that all portable terminals return, if then carry out the processing of transferring accounts; Otherwise, refuse to transfer accounts processing.
The present invention program is by being provided with and user account corresponding identification module, and in the bank transaction disposal system, preserve the corresponding relation of this identification module and user account, make the user when payment transaction, only need show this identification module gets final product, and identification module can be arranged on the portable any article of user, has made things convenient for the payment of user to various transaction.Even user's identification module is lost, can not go to bank to report the loss yet, only need duplicate an identification module and get final product.And by duplicating identification module, a Bank Account Number can be used simultaneously by a plurality of users.
In addition, the present invention program's identification module can be set to the very low bar code of manufacturing cost, or the two-dimension code such as LP Code etc., also can be some icon images etc., thereby greatly reduce the operating cost of bank.
Description of drawings
Fig. 1 is the present invention program's realization flow figure.
Embodiment
Below in conjunction with drawings and the specific embodiments technical solution of the present invention is described in further detail.
Referring to Fig. 1, the present invention program can realize by following steps:
Step 101, set in advance and user account corresponding identification module, be provided for obtaining the identification equipment of identification module information.
Here, can be any module with user account corresponding identification module.Such as, this identification module is the digital brief note that comprises user account, then Dui Ying identification equipment is a textual scan equipment; This identification module is a bar code, and then Dui Ying identification equipment can be Laser Barcode Scanner; This identification module is the two-dimension code such as LP Code, and then Dui Ying identification equipment is the two-dimension code scanner.This identification module can also be a radio-frequency apparatus, such as, identification module is an IC-card, then Dui Ying identification equipment is the IC-card card reader; Identification module is an electronic tag, and then Dui Ying identification equipment is the electronic tag scanning device; Identification module is the wireless identification device, and then Dui Ying identification equipment is the wireless identification device.
Identification module can be made label, and the user sticks on this label on the portable article, such as sticking on the article such as mobile phone, PDA(Personal Digital Assistant), lighter.This identification module can also be kept in the mode of image such as in the terminals such as mobile phone, PDA, and then the user accesses corresponding identification module from terminal and gets final product when needs are concluded the business by this identification module.Such as, user with the image information display of personalization on mobile terminal screen, identification equipment is by the corresponding identification module information of this Image Acquisition of scanning.Certainly, this identification module can also be kept in the mode of data such as in the terminals such as mobile phone, PDA.At this moment, terminal can emit identification module information with RF-wise, and identification equipment has corresponding wireless receiving function, and obtains corresponding identification module information by receiving the signal of handling the identification module emission.
Step 102～103, identification equipment obtain user's identification module information, and the identification module information that obtains sent to service terminal, the Transaction Information that service terminal will comprise relevant information, service provider's number of the account relevant information and current dealing money in the described identification module information at least sends to the bank transaction disposal system.
Such as, identification module is a bar code, its corresponding identification module information is a set of number 123459876, identification equipment is a Laser Barcode Scanner, Laser Barcode Scanner is by obtaining identification module corresponding identification module information 123459876 to the scanning of identification module, and this identification module information sent to service terminal, service terminal is placed on this identification module relevant information 123459876 and sends to the bank transaction disposal system in the Transaction Information.
Transaction Information can further include: service terminal id information or service terminal number information or service provider's id information or transaction journal information, or the combination in any of above several information.
In step 103, directly service provider's number of the account relevant information is set to service provider's number of the account.Can also service provider's number of the account relevant information be set to service terminal information, in this case, then need to be provided with the corresponding relation of service terminal information and service provider's number of the account, and this corresponding relation is kept in the bank transaction disposal system.By such setting, service terminal only needs to send corresponding service terminal information when sending service provider's number of the account relevant information to the bank transaction disposal system.This service terminal information can include only the id information of this service terminal, can further include service provider's id information and service terminal number information.Wherein, service provider's id information, service terminal number information and the current transaction journal of this terminal number can be merged into a transaction odd numbers, perhaps service terminal id information and the current transaction journal of this terminal number are merged into a transaction odd numbers, perhaps service provider's id information and the current transaction journal of this service provider number are merged into a transaction odd numbers, then can comprise other information such as transaction odd numbers information in the service terminal information.In general, for guaranteeing service terminal information energy corresponding with service provider number of the account, the id information of service terminal should contain service provider's relevant information.
After step 104, bank transaction disposal system are received Transaction Information, obtain this user's Bank Account Number according to the identification module relevant information in the Transaction Information, obtain service provider's number of the account according to service provider's number of the account relevant information, and according to the processing of transferring accounts of current dealing money.
If the identification module information in the step 102 has comprised user's Bank Account Number, then service terminal can directly send to the bank transaction disposal system with this user account with identification module relevant information form, and the bank transaction disposal system is directly obtained user account by the identification module relevant information.If identification module information does not comprise user account, then the bank transaction disposal system is preserved the corresponding relation of identification module relevant information and user account, and the bank transaction disposal system is obtained corresponding Bank Account Number according to this identification module relevant information from the information of self preserving when receiving the identification module relevant information.Here, the identification module relevant information can comprise the identification module id information, also can comprise any information such as mobile terminal number.
If the service provider's number of the account relevant information in the Transaction Information directly is service provider's number of the account, then the bank transaction disposal system can directly be obtained service provider's number of the account.If service provider's number of the account relevant information is a service terminal information, then the bank transaction disposal system is preserved service terminal information and service provider's number of the account corresponding relation, like this, the bank transaction disposal system is obtained service provider's number of the account according to service terminal information from the information of self preserving.
By above-mentioned steps, the bank transaction disposal system can be by the processing of transferring accounts of user's identification module relevant information.
For making the present invention program more perfect, can also make further thinning processing to said process.
Such as, in the above-mentioned steps 104, the bank transaction disposal system can be set up the occasional trade record according to this Transaction Information after receiving Transaction Information.In general, should comprise user's identification module relevant information and corresponding user account in the occasional trade record at least, and service provider's number of the account.If also comprise other information in the Transaction Information, current also can be in occasional trade record with these information setting.After this Transaction Success, the bank transaction disposal system can also generate formal transaction record according to this occasional trade record, and generates the transaction bill of current transaction with this.
For guaranteeing user's interests, the bank transaction disposal system can also confirm whether this transaction is correct by the user before processing is transferred accounts in execution.Such as, the bank transaction disposal system sends the affirmation solicited message of confirming this transaction to service terminal, and the user then can confirm whether to carry out this transaction at service terminal, if confirm to carry out, then returns confirmation by service terminal; Otherwise, return cancellation information by service terminal.If the response message that the bank transaction disposal system is received is a confirmation, then carry out the processing of transferring accounts, otherwise, cancel this processing of transferring accounts.The affirmation solicited message that the bank transaction disposal system sends can be a confirmation, such as, require the user to input password, or require the user only to return definite information; Also may further include the relevant information of current transaction, such as, information such as transaction odd numbers, dealing money are so that the user confirms the accuracy of current transaction.
The bank transaction disposal system transfer accounts finish dealing with after, can also send execution result information to service terminal.If current Transaction Success, the bank transaction disposal system then sends successful information, can further include the relevant information of current transaction in this successful information, such as, information such as transaction odd numbers, dealing money; If current Fail Transaction then sends failure information.Service terminal can also return the message of receiving execution result information automatically after receiving execution result information.In this processing procedure, can also set in advance transaction ID at service terminal, the bank transaction disposal system is when service terminal sends execution result information, this transaction ID is made corresponding sign, such as, transaction ID is set to " not receiving the return message of terminal check Transaction Success "; When the bank transaction disposal system is received the affirmation information that service terminal returns, this transaction ID is made corresponding sign, such as, transaction ID is set to " service terminal has been received and confirmed Transaction Success information ".
For the simplicity that guarantees to conclude the business, the dealing money threshold value of small amount can also further be set, and determination strategy to current dealing money is set further, then the bank transaction disposal system is before transferring accounts, whether at first judge this amount of money of transferring accounts less than this dealing money threshold value that sets in advance, if less than, then the bank transaction disposal system only sends the information of confirming that current Transaction Information is whether correct to service terminal, this current Transaction Information can comprise dealing money, information such as transaction odd numbers; Otherwise, send by the whether correct information of the current Transaction Information of password confirming to service terminal.If service terminal returns confirmation, then carry out transferred account service, if receive the information that service terminal prompting makes mistakes, or the user cancels the information of current transaction, or do not receive the information that service terminal returns, and then cancels this transferred account service.This dealing money threshold value can be provided with by the bank transaction disposal system is unified; Also can be provided with respectively by the user, and be preserved by the bank transaction disposal system, that is, the dealing money threshold value can be to be provided with at each user, also can be to be provided with at each identification module information.
When user's identification module is set, can also in an identification module information, further comprise user's mobile terminal number.Specifically, directly identification module is set to comprise mobile terminal number; Also can be set to other information by identification module, and in the bank transaction disposal system, preserve the relevant information of this identification module and the corresponding relation of customer mobile terminal number.In this case, the bank transaction disposal system can be obtained mobile terminal number by the identification module relevant information, therefore, the bank transaction disposal system can also send to user's portable terminal confirms solicited message, and the user then returns response message by portable terminal to the bank transaction disposal system.Certainly, the bank transaction disposal system also can send execution result information to portable terminal.Portable terminal also can return the message of having received execution result information automatically after receiving execution result.Equally, also can transaction ID be set, and whether return message is provided with different transaction IDs respectively according to portable terminal at portable terminal.Certainly, the bank transaction disposal system is obtained mobile terminal number, might not need identification module to be set to further identify mobile terminal number, in fact, can also identification module not dealt with, but the corresponding relation of user account and mobile terminal number directly is kept in the bank transaction disposal system, like this, the bank transaction disposal system just can directly be obtained user's mobile terminal number from the corresponding relation of self preserving when obtaining user account.
If the bank transaction disposal system can access mobile terminal number, it is when judging current dealing money according to the dealing money threshold value of small amount, if current dealing money is less than the dealing money threshold value that sets in advance, then also can send the information of confirming that current Transaction Information is whether correct to portable terminal; Otherwise, send by the whether correct information of the current Transaction Information of password confirming to portable terminal.
In addition,, can also after the success of transferring accounts, generate the bill of current transaction, and the single transmit of will being in debt is given portable terminal according to the Transaction Information of current transaction if the bank transaction disposal system is known user's mobile terminal number.Certainly, also can generate schedule of dealing, and directly send to portable terminal, also schedule of dealing can be sent to the bank transaction disposal system, this schedule of dealing is transmitted to portable terminal by the bank transaction disposal system by mobile communications network by service terminal.
When identification module is set, in general, can identification module and corresponding user account be set to one-to-one relationship, that is to say that an identification module can only corresponding user account.For security consideration, another can also further be set or more than one with this number of the account corresponding identification module.Then the user must show all identification modules, and these identification modules all verified by the bank transaction disposal system and confirm correct after, could consume by corresponding account number.Certainly, these identification modules can be arranged on any article of user.Such as, use for the convenience of the user, and can guarantee user's safety as best one can, can be provided with at user account on the basis of an identification module, at user account a mobile logo module is set again, and this mobile logo module is kept in user's the portable terminal, and the bank transaction disposal system is preserved the corresponding relation of this mobile logo module information and user account.The user is in the transaction processing process, the mobile logo module information of self is sent to the bank transaction disposal system by portable terminal, the identification module relevant information that the bank transaction disposal system is sent according to service terminal is obtained corresponding user account, from the information of self preserving, obtain the mobile logo module information of this user account correspondence, and judge whether the mobile logo module information that is obtained is identical by the mobile logo module information of mobile terminal reporting with the user, only under the identical situation of these two mobile logo module informations, the bank transaction disposal system just can be carried out the processing of transferring accounts.
More particularly, when identification module being set, the card number of bank card can be identified with an identification module, and the information that will store in will blocking identifies with the another one identification module at bank card.Such as, identify card number with bar code, come information in the tag card with LP Code, and LP Code is stored in the portable terminal.When the user uses at needs, from portable terminal, access this LP Code, service terminal can obtain corresponding identification information by the LP Code scanner scans LP Code as identification equipment, this identification information is the information in the bank card, and service terminal also sends to the bank transaction disposal system with this identification information.Perhaps, directly will send to the bank transaction disposal system by portable terminal corresponding to the actual identification information of this LP Code.Certainly, portable terminal also can send to the bank transaction disposal system with LP Code icon or image, and by the LP Code icon information that the bank transaction disposal system relatively oneself is preserved, sees whether the two is consistent.Certainly the LP Code here also can replace with user's information such as head portrait, thereby, realize user's individual demand.
The information of being useful on identifying user number of the account can also be called the number of the account identification module, then may have only an identification module in the number of the account identification module, also have two or more identification modules.And if the corresponding a plurality of portable terminals of these identification modules difference, then the user has only these all portable terminals to determine that current transaction is correct when certain number of the account is consumed, and this time transferred accounts to handle and just can be performed.Like this, certain user who has this number of the account also needs determining of other users in use, is convenient to each user the use of funds situation is exercised supervision.
In addition, can also in the bank transaction disposal system, preserve a plurality of dealing money threshold values at same user account, and the bank transaction disposal system is set to: if the amount of money of the current consumption of certain user in the scope of certain dealing money threshold value, then the bank transaction disposal system need send the information of confirming that current Transaction Information is whether correct to specific one or several portable terminal.That is to say that the bank transaction disposal system need be preserved a plurality of dealing money threshold values, and will confirm the mobile terminal number that current Transaction Information is whether correct in the different dealing money threshold range.The dealing money threshold value can be provided with by the user, and unifies to give the bank transaction disposal system and preserve, and also can be provided with by each portable terminal, and send to the bank transaction disposal system, certainly, other method to set up can be arranged also, as long as the bank transaction disposal system can be preserved these information.
The user can also be provided with a plurality of numbers of the account by corresponding number of the account identification module, and alternative condition is set.Such as, the user is provided with the dealing money threshold value, this dealing money threshold value is sent to the bank transaction disposal system preserves, and require the bank transaction disposal system before transferring accounts, judge that at first whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then select one of them number of the account; Otherwise, select another number of the account.Like this; if user's dealing money is less; the number of the account that then can select to input password is confirmed transaction; to simplify transaction flow; like this, in accuracy that has guaranteed block trade and security, make the insensitive penny ante of user convenient more; the user does not need under any circumstance to input the affirmation password of oneself, thereby has protected user's privacy information more effectively.
The above only is the present invention program's preferred embodiment, not in order to limit the present invention program's protection domain.
Claims (25)
1, a kind of transaction payment method is characterized in that this method may further comprise the steps:
A. set in advance and user account corresponding identification module, and the identification equipment that is used to obtain identification module information;
B. when carrying out transaction processing, identification equipment obtains identification module information, and this identification module information sent to service terminal, service terminal will comprise at least that the relevant information in the described identification module information and the Transaction Information of service provider's number of the account relevant information send to the bank transaction disposal system;
C. the bank transaction disposal system is obtained user account according to the identification module relevant information, obtains service provider's number of the account according to service provider's number of the account relevant information, and according to current dealing money to the processing of transferring accounts of user account and service provider's number of the account.
2, method according to claim 1 is characterized in that this method further comprises: the corresponding relation of identification module relevant information and user account is kept in the bank transaction disposal system; Among the step c, described bank transaction disposal system is obtained user account according to the identification module relevant information from the corresponding relation of self preserving.
3, method according to claim 2 is characterized in that, described identification module relevant information comprises the identification module id information, and/or mobile terminal number.
4, method according to claim 1 is characterized in that among the described step a that described identification module information comprises user account, and among the described step b, described identification module relevant information comprises user account.
5, method according to claim 1 is characterized in that among the described step a, described identification module and identification equipment are respectively bar code and bar code scanner; Or be respectively two-dimension code and two-dimension code scanner; Or be respectively icon image information and icon image identification equipment; Or be respectively electronic tag and electronic tag scanning device; Or be respectively wireless identification device and wireless identification device.
6, method according to claim 1 is characterized in that among the described step b, and described service provider's number of the account relevant information comprises service provider's number of the account; Among the described step c, described bank transaction disposal system is directly obtained service provider's number of the account from Transaction Information.
7, method according to claim 1 is characterized in that this method further comprises: the corresponding relation of service terminal information and service provider's number of the account is kept in the bank transaction disposal system;
Among the step b, described service provider's number of the account relevant information is a service terminal information;
Among the step c, described bank transaction disposal system is obtained corresponding service provider's number of the account according to current service terminal information from the corresponding relation of self preserving.
8, method according to claim 1, it is characterized in that among the described step b, described Transaction Information further comprises: service terminal id information or service terminal number information or service provider's id information or transaction journal information, or the combination in any of above four kinds of information.
9, method according to claim 1 is characterized in that among the described step b, described Transaction Information further comprises the dealing money of current transaction; Among the step c, described bank transaction disposal system is directly obtained current dealing money from Transaction Information.
10, method according to claim 1 is characterized in that among the described step c, and described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C11. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to service terminal;
C12. after service terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
C13. the bank transaction disposal system judges whether the response message of receiving is confirmation, if, the processing of then transferring accounts; Otherwise, refuse to transfer accounts processing.
11, method according to claim 10 is characterized in that among the described step c11, and the affirmation solicited message that described bank transaction disposal system sends is the solicited message of whether concluding the business; Among the step c12, described service terminal returns response message to the bank transaction disposal system and is, if confirm to conclude the business, then returns confirmation, otherwise, return the information of Cancelling Transaction.
12, method according to claim 1 is characterized in that among the described step a that described identification module information further comprises mobile terminal number, and described bank transaction disposal system is obtained mobile terminal number according to this identification module relevant information.
13, method according to claim 1, it is characterized in that this method further comprises: the bank transaction disposal system is preserved the corresponding relation of identification module relevant information and customer mobile terminal number, and described bank transaction disposal system is obtained mobile terminal number according to the identification module relevant information.
According to claim 12 or 13 described methods, it is characterized in that 14, among the step c, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C21. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to portable terminal;
C22. after portable terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
C23. the bank transaction disposal system judges whether the response message of receiving is confirmation, if, the processing of then transferring accounts; Otherwise, refuse to transfer accounts processing.
15, method according to claim 14 is characterized in that, further comprise after the described step c: the bank transaction disposal system is returned the transaction execution result to portable terminal; After described portable terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
16, method according to claim 14 is characterized in that among the described step c21, and it is the solicited message of whether concluding the business that described bank transaction disposal system sends the affirmation solicited message of confirming current transaction to portable terminal; Among the step c22, the response message that described portable terminal returns is, if confirm to conclude the business, then returns confirmation, otherwise, return the information of Cancelling Transaction.
According to claim 11 or 14 described methods, it is characterized in that 17, described affirmation solicited message further comprises the password input information; Described affirmation is concluded the business and is comprised input and confirm password.
18, according to claim 12 or 13 described methods, it is characterized in that, described bank transaction disposal system further comprises after transferring accounts: the bank transaction disposal system generates the bill of current transaction according to the Transaction Information of current transaction, and should current transaction bill send to portable terminal.
19,, it is characterized in that this method further comprises: set in advance the dealing money threshold value according to claim 12 or 13 described methods; Among the step c, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
C31. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send to confirm the information that current Transaction Information is whether correct to portable terminal, and enter step c32, otherwise, send to portable terminal and to require the user to pass through the whether correct information of the current Transaction Information of password confirming, and enter step c32;
C32. the bank transaction disposal system judges whether the affirmation information of receiving that portable terminal returns, if receive, then carries out processings of transferring accounts, otherwise, refuse to transfer accounts processing.
20, method according to claim 1 is characterized in that this method further comprises: set in advance the dealing money threshold value; Among the step c, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts according to current dealing money:
C41. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send to confirm the information that current Transaction Information is whether correct to service terminal, and enter step c42, otherwise, send to service terminal and to require the user to pass through the whether correct information of the current Transaction Information of password confirming, and enter step c42;
C42. the bank transaction disposal system judges whether the affirmation information of receiving that service terminal returns, if receive, then carries out processings of transferring accounts, otherwise, refuse to transfer accounts processing.
21, method according to claim 1 is characterized in that, further comprise after the described step c: the bank transaction disposal system is returned the transaction execution result to service terminal; After described service terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
22, method according to claim 1 is characterized in that this method further comprises: set in advance the dealing money threshold value;
Among the step a, the corresponding two or more user accounts of described identification module;
Among the step c, whether described bank transaction disposal system determines the user account of current transaction less than the dealing money threshold value that sets in advance according to current dealing money.
23, method according to claim 1 is characterized in that among the described step a, the corresponding at least identification module of described user account.
24, method according to claim 23, it is characterized in that among the described step a, in described and the user account corresponding identification module, have at least one to be the mobile logo module that is arranged in the portable terminal, and in the bank transaction disposal system, preserve the corresponding relation of this mobile logo module information and user account;
Described step b further comprises: portable terminal sends to the bank transaction disposal system with this mobile logo module information;
Among the step c, described bank transaction disposal system further comprised before processing is transferred accounts in execution: the mobile logo module information that obtains the user account correspondence from the corresponding relation of self preserving, and judge whether the mobile logo module information of receiving is identical with the mobile logo module information that gets access to, if it is identical, then carry out the processing of transferring accounts, otherwise, refuse to transfer accounts processing.
25, method according to claim 1, it is characterized in that, this method further comprises: one or more dealing money threshold value is set in the bank transaction disposal system in advance, and specific mobile terminal number is set at different dealing money threshold ranges, the bank transaction disposal system further comprised before the processing of transferring accounts: the dealing money threshold range of determining current dealing money place, send the information of confirming that current Transaction Information is whether correct to the pairing mobile terminal number of this dealing money threshold range, and judge whether the affirmation information of receiving that all portable terminals return, if then carry out the processing of transferring accounts; Otherwise, refuse to transfer accounts processing.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200310115734 CN1622104A (en) | 2003-11-28 | 2003-11-28 | Transaction payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200310115734 CN1622104A (en) | 2003-11-28 | 2003-11-28 | Transaction payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1622104A true CN1622104A (en) | 2005-06-01 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200310115734 Pending CN1622104A (en) | 2003-11-28 | 2003-11-28 | Transaction payment method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1622104A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024233A (en) * | 2010-06-04 | 2011-04-20 | 西本新干线股份有限公司 | Transaction processing system |
| CN103093363A (en) * | 2013-01-24 | 2013-05-08 | 广东欧珀移动通信有限公司 | Method and device of bill generation |
| CN103136661A (en) * | 2011-11-30 | 2013-06-05 | 三星电机株式会社 | Esl system, the method of checking the informations of goods and paying for those |
| CN103856640A (en) * | 2014-01-07 | 2014-06-11 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| CN105074745A (en) * | 2012-12-27 | 2015-11-18 | 新韩信用卡株式会社 | Method for controlling payment device for selecting payment means |
| WO2016074521A1 (en) * | 2014-11-11 | 2016-05-19 | 北京橙鑫数据科技有限公司 | Payment method, payment platform and terminal |
| CN107025549A (en) * | 2016-02-01 | 2017-08-08 | 北京数码视讯科技股份有限公司 | A kind of method of payment, device and system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
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2003
- 2003-11-28 CN CN 200310115734 patent/CN1622104A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024233A (en) * | 2010-06-04 | 2011-04-20 | 西本新干线股份有限公司 | Transaction processing system |
| CN102024233B (en) * | 2010-06-04 | 2014-03-12 | 西本新干线电子商务有限公司 | Transaction processing system |
| CN103136661A (en) * | 2011-11-30 | 2013-06-05 | 三星电机株式会社 | Esl system, the method of checking the informations of goods and paying for those |
| CN105074745A (en) * | 2012-12-27 | 2015-11-18 | 新韩信用卡株式会社 | Method for controlling payment device for selecting payment means |
| CN103093363A (en) * | 2013-01-24 | 2013-05-08 | 广东欧珀移动通信有限公司 | Method and device of bill generation |
| CN103856640A (en) * | 2014-01-07 | 2014-06-11 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| CN103856640B (en) * | 2014-01-07 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| US10354249B2 (en) | 2014-01-07 | 2019-07-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for processing secure offline transactions |
| US11205174B2 (en) | 2014-01-07 | 2021-12-21 | Tencent Technology (Shenzhen) Company Limited | Method and system for processing secure offline transactions |
| WO2016074521A1 (en) * | 2014-11-11 | 2016-05-19 | 北京橙鑫数据科技有限公司 | Payment method, payment platform and terminal |
| CN107025549A (en) * | 2016-02-01 | 2017-08-08 | 北京数码视讯科技股份有限公司 | A kind of method of payment, device and system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
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