CN100559404C - Improve the system and method for the security of adopting short message service shopping and agency's paying - Google Patents
Improve the system and method for the security of adopting short message service shopping and agency's paying Download PDFInfo
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- CN100559404C CN100559404C CNB038222922A CN03822292A CN100559404C CN 100559404 C CN100559404 C CN 100559404C CN B038222922 A CNB038222922 A CN B038222922A CN 03822292 A CN03822292 A CN 03822292A CN 100559404 C CN100559404 C CN 100559404C
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
Abstract
The present invention relates to a kind of raising by the short message service shopping with as acting on behalf of the method and system of carrying out the security of paying.Send merchandise news if use the short message service of mobile phone to mobile communication service system, mobile communication system can produce corresponding to the identifying code of merchandise news and to shopping mall server and mobile phone and send this identifying code.Then, shopping mall server and mobile phone exchange and move validation-cross.Therefore, can reduce the system construction expense of buying commodity and service, simplify and buy step, and make the purchase commodity of client's safety by the validation-cross of application verification sign indicating number.
Description
Technical field
The present invention relates to a kind of raising by SMS (short message service) shopping with as acting on behalf of the method for carrying out the security of paying, relate in particular to that a kind of raising is done shopping by short message service and carry out the method for the security of paying as the agency, thus reduce the system that is used to do shopping and serves construction costs, simplify the purchase program and adopt cross-certification to provide safe purchase for client by identifying code.
Background technology
Recently, client is by one-stop internet shopping and TV shopping center rather than directly come the shopping center or service company does shopping and serves quite general.
In the heart, when client passed through TV shopping, they used audio acknowledgement system (hereinafter being referred to as ARS) all the time and select commodity and service in television home shopping.Yet, must construct expensive system such as the conventional audio answering system.
In addition, client must listen the guide of ARS with the relatively long time for the commodity kimonos of selecting them and wanting, and when selecting commodity or service, have simultaneously obscure or make mistakes may.
When online shopping (online shopping), have following inconvenience: client at every turn must input such as telephone number, account number, password and/or etc. the necessary purchase information of shopping, and the member who becomes online shopping is with shopping.
Summary of the invention
Therefore, an object of the present invention is to provide that a kind of raising is done shopping by SMS and carry out the method for the security of paying as the agency, this method is not only carried out to pay as the agency by mobile communication service system and is simplified the purchase program, and adopts cross-certification to realize that client does shopping safely by identifying code.
Another object of the present invention provides a kind of raising and carries out the method for the security of paying by SMS shopping with as the agency, is used to do shopping or the construction costs of the system that serves with reduction, and needn't adopts the expensive system such as ARS.
In order to realize above-mentioned purpose, according to an aspect of the present invention, provide a kind of raising in mobile communications network, to adopt the method for the security that short message service does shopping and pay, described method comprises step: receive merchandise news (for example, predetermined commodity or service code) relevant with service with commodity from portable terminal; Generation corresponding to the identifying code of merchandise news with the cross-certification between approval client and the shopping mall server; Send identifying code by SMSC (note system center) to portable terminal; Generation comprises the purchase information of merchandise news and identifying code; Send purchase information to shopping mall server; The message that reception Cancels Transaction or pays from the commodity that the shopping mall server requirement is bought customer requirement (for example, requiring the corresponding price of commodity bought) with client; And when the message that the request of receiving is paid, pay.The invention provides a kind of system, server unit and computer-readable media that improves the security of adopting short message service and doing shopping and pay that be applicable to.Method according to improving the security of adopting short message service and doing shopping and pay the invention provides a kind of method and also comprises step: send the message that Cancels Transaction to portable terminal by SMSC when receiving the message that Cancels Transaction; When the message that the request of receiving is paid to paying of will doing shopping of client and send the message that paying is finished to shopping mall server; And send transaction by SMSC to portable terminal and finish message.According to the method that improves the security of adopting the short message service shopping and paying, described step of paying when the message that the request of receiving is paid further comprises: produce the transaction details (for example, transaction details comprises commercial product code and commodity price at least) corresponding to commodity that client purchases; Send transaction details to the charging system that paying is provided for the mobile communication service, to require the mobile communication service fee.
According to a further aspect in the invention, provide a kind of raising by the shopping of the SMS in the mobile communications network with as acting on behalf of the method for carrying out the security of paying, described method comprises step: receive the information that client requires the commodity bought from portable terminal, wherein merchandise news comprises with commodity at least and serves relevant predetermined commercial product code; Generation corresponding to the origin authentication sign indicating number of merchandise news to allow the cross-certification between client and shopping mall server; Store this origin authentication sign indicating number; By predetermined partitioning algorithm the origin authentication sign indicating number is divided into first identifying code and second identifying code; Send first identifying code by SMSC to portable terminal; Generation comprises the purchase information of the merchandise news and second identifying code; Send purchase information to shopping mall server; From shopping mall server receive first source code or second source code (for example, first source code at the mall in the server by produce with second identifying code with comprehensive first identifying code of being scheduled to of integration algorithm (synthetic algorithm) and second source code identical with second identifying code); Produce the comprehensive verification sign indicating number by first source code or second source code; Confirm whether the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number of storage in the past; And when the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, pay.
According to the method that improves the security of adopting the short message service shopping and paying, described step by first source code or second source code generation comprehensive verification sign indicating number further comprises: store this first source code as the comprehensive verification sign indicating number when receiving first source code; And when receiving second source code, produce the comprehensive verification sign indicating number by comprehensive first identifying code and second source code.
According to the method for the security of improve adopting the short message service shopping and paying, described method further comprises step: when comprehensive verification sign indicating number and origin authentication sign indicating number are inconsistent, and the message that Cancels Transaction to portable terminal or shopping mall server transmission by SMSC; When the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, paying and be sent completely the message of paying to shopping mall server for the desired commodity of client; And send the message that transaction is finished to portable terminal by SMSC.
According to the method that improves the security of adopting the short message service shopping and paying, described step of paying when the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number further comprises: produce the transaction details (for example, transaction details comprises commercial product code and commodity price at least) corresponding to the desired commodity of client; And to the charging system transmission transaction details that paying is provided for mobile communication service system, to require client's mobile communication service fee.
According to a further aspect in the invention, provide a kind of raising by the shopping of the SMS in the mobile communications network with as acting on behalf of the method for carrying out the security of paying, described method comprises step: receive the merchandise news (for example, this merchandise news comprises and commodity and the corresponding predetermined commercial product code of service at least) that client will buy from portable terminal; Generation is corresponding to two individual authentication sign indicating numbers of this merchandise news, and one of them is first identifying code and another is second identifying code, to allow the cross-certification between client and shopping mall server; Store first identifying code and second identifying code respectively as the first origin authentication sign indicating number and the second origin authentication sign indicating number; Send first identifying code by SMSC to portable terminal; Generation comprises the purchase information of the merchandise news and second identifying code; Send this purchase information to shopping mall server; Receive first identifying code from portable terminal; Receive second identifying code from shopping mall server; Confirm whether first identifying code is consistent with the first origin authentication sign indicating number; Confirm whether second identifying code is consistent with the second origin authentication sign indicating number; And, when second identifying code is consistent respectively with the second origin authentication sign indicating number, pay when first identifying code and the first origin authentication sign indicating number.
According to the method that improves the security of adopting the short message service shopping and paying, described method further comprises step: when first identifying code and the first origin authentication sign indicating number inconsistent, or second identifying code and the second origin authentication sign indicating number when inconsistent, send the message that Cancels Transaction to portable terminal by SMSC; Send the message that Cancels Transaction to shopping mall server; When first identifying code and the first origin authentication sign indicating number, when second identifying code and the second origin authentication sign indicating number are consistent respectively, when the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, for client's paying of requiring to do shopping and finish information to shopping mall server transmission paying; Be sent completely the information of transaction to portable terminal by SMSC.
According to the method that improves the security of adopting the short message service shopping and paying, described when first identifying code and the first origin authentication sign indicating number, the step of paying when second identifying code is consistent respectively with the second origin authentication sign indicating number further comprises: the transaction details (for example, transaction details comprises commercial product code and price at least) that produces the commodity that will buy about client; And to charging system transmission transaction details, this charging system is used to the mobile communication service to provide paying to collect the mobile communication expense to client.
The invention provides a kind of raising by the shopping of the SMS in the mobile communications network with as acting on behalf of the method for carrying out the security of paying, described method comprises step: receive from the selection information (for example, the selection information of clearing form at least comprise be selected from be incorporated into mobile communication expense, credit card payment, account transfer, no bankbook deposit one of them) of portable terminal about clearing form (settlement way); When clearing form is credit card payment, require information one of (for example, credit card comprises institute at least from the credit card number, in the credit card term of validity and the password) to the portable terminal input credit card that is used to pay; Receive credit card information from portable terminal; To being used to provide the credit card server of credit card business to send the institute currency of payment number of messages of request clearing corresponding to commodity price; And finish receiving the message of clearing from credit card server.
A kind of Mobile business transparent devices, comprise: memory device and processor, wherein memory device stores is used for the program of processor controls, thereby and processor realizes that by carrying out this program above-mentioned raising employing short message service purchase is discussed and the method for the security of paying.
Computer readable media comprises a program, and this program contains the computer executed instructions of the method that is useful on the security of carrying out above-mentioned raising employing short message service shopping and paying.
Description of drawings
The above object of the present invention and other advantage will become more obvious by with reference to the accompanying drawings preferred embodiment being described in detail, in the accompanying drawings:
Figure 1 shows that raising is by the SMS shopping with as the complete diagram of acting on behalf of the system that carries out the security of paying;
Figure 2 shows that and carry out the data flowchart of paying according to a preferred embodiment of the invention by the SMS shopping with as the agency;
Figure 3 shows that according to a preferred embodiment of the invention carry out the method for the security of paying about improving by the SMS shopping with as the agency, with client send merchandise news LCD (liquid crystal display) screen of synchronous portable terminal;
Figure 4 shows that according to a preferred embodiment of the invention carry out the method for the security of paying about improving by the SMS shopping with as the agency, with mobile communication service system to client ask to buy relevant information the lcd screen of synchronous portable terminal;
Figure 5 shows that according to a preferred embodiment of the invention carry out the method for the security of paying about improving by the SMS shopping with as the agency, with client select clearing form the lcd screen of synchronous portable terminal; And
Figure 6 shows that the data flowchart that passes through the SMS shopping and pay of another preferred embodiment according to the present invention as agency's execution.
Major part reference marker explanation in the＜accompanying drawing 〉
110: portable terminal
120: mobile communication service system
130:SMSC (short message service center)
140:MC-T (Mobile business transparent equipment)
142: transceiver
144: the identifying code generation unit
146: control module
148: database
150: shopping mall server
The specific embodiment mode
Below, by the reference accompanying drawing preferred embodiment is described in detail, will make the present invention become clearer.
Figure 1 shows that according to a preferred embodiment of the invention, improve by the SMS shopping with as the complete diagram of acting on behalf of the system that carries out the security of paying.
With reference to Fig. 1, raising according to the present invention comprises portable terminal 110, mobile communication service system 120, shopping mall server 150 etc. by the SMS shopping with as acting on behalf of the system that carries out the security of paying.
Portable terminal 110 is the devices that send and receive note and receive and send messages by communication network by SMSC 130 when client does shopping by television home shopping or online shopping center.
For convenience, shown in Figure 1 only is a portable phone 110, if but such as notebook computer, PDA devices such as (personal digital assistants) itself has communication function can provide SMS by communication network, then device is not limited only to portable phone.
Mobile communication service system 120 comprises SMSC 130, MC-T 140 etc., and provide be connected to communication network on the system of relevant all services of mobile communication.
SMSC 130 sends with portable terminal 110 and receives note, and the device that provides the signal that is connected with MC-Y 140 with acceptance.
Here, note comprises character, numeral or simple symbol (80 characters of English of the textual form of 80 bytes, 40 characters of Korean), can be applied to all mobile phones and needn't consider it is to adopt mobile internet, still be connected on CDMA (CDMA) and PCS (personal communication service) network.
MC-T 140 receives corresponding to client from portable terminal 110 and requires the code of doing shopping, produce the relevant identifying code of commodity, send the identifying code of this generation to portable terminal 110 and shopping mall server 150 by SMSC 130, if desired, this identifying code and the identifying code that receives from portable terminal 110 and shopping mall server 150 are compared, and relatively this process is finished according to comparative result in the back.Equally, after carrying out payment procedure in shopping with as the agency and finishing, MC-T 140 produces transaction details and sends this detail to the charging system of paying for the mobile communication service.
MC-T140 comprises transceiver 142, identifying code generation unit 144, control module 146, database 148 etc.
The transceiver 142 that is connected on portable terminal 110 and SMSC130 and the shopping mall server 150 sends and receives such as signals such as necessary merchandise news in the commodity purchasing process, purchase information and identifying codes.
Identifying code generation unit 144 receives merchandise news from client's portable terminal 110, and produces the identifying code corresponding to the merchandise news that receives.
Control module 146 is controlled identifying code generation unit 144 and database 148 by transceiver 142 input and output data.
Database 148 stores customer information, merchandise news and identifying code.
Shopping mall server 150 is to provide about the sale service of commodity and service and comprise television home shopping and the device of the demonstration example at online shopping center to client.
Figure 2 shows that and carry out the data flowchart of paying according to a preferred embodiment of the invention by the SMS shopping with as the agency, and Figure 3 shows that according to a preferred embodiment of the invention carry out the method for the security of paying about improving by the SMS shopping with as the agency, send the lcd screen of the synchronous portable terminal of merchandise news with client.
Figure 4 shows that according to a preferred embodiment of the invention about improving by the SMS shopping and carrying out the method for the security of paying as the agency, ask to buy the lcd screen of the synchronous portable terminal of relevant information to client at mobile communication service system, and Figure 5 shows that according to a preferred embodiment of the invention about improving by SMS shopping and the method for carrying out the security of paying as the agency, select the synchronous mobile terminal LCD screen of settlement method with client.
Figure 2 shows that whether effectively the identifying code that to send to portable terminal 110 and shopping mall server 150 are identical and determine identifying codes process flow diagram by shopping mall server 150 in the cross-certification process.
Fig. 3 to Figure 5 shows that with Fig. 2 in the corresponding mobile terminal LCD screen of part steps of shopping and the process of carry out paying as the agency.
Therefore, for the ease of understanding, will explain process shown in Figure 2 step by step to screen display shown in Figure 5 by Fig. 3 below.
With reference to Fig. 2, raising comprises that by the SMS shopping with as acting on behalf of the step of carrying out the security processes of paying client asks commodity and service, permission cross-certification, pays and payment processes.
With the mobile communication service system 120 that portable terminal 110 is connected with shopping mall server 150 client can be done shopping safely and effectively, carry out as the agency and pay and payment.Equally, mobile communication service system 120 is carried out each function in SMSC130 and MC-T140.
MC-T140 carries out the whole process of shopping and paying thereof, comprises the generation identifying code, carries out paying etc. as the agency.SMSC 130 passes through to be connected is equivalent to send/and the device of received signal receives and dispatches note.
By the SMSC 130 data transmission/receptions of execution between MC-T 140 and portable terminal 110.
By SMSC 130 or directly carry out MC-T140 and shopping mall server 150 between data transmission/reception.Yet below, can think that for easy data transmission/reception between MC-T 140 and the shopping mall server 150 is directly to carry out, and not by SMSC 130.
At first, the shopper at the online shopping center or the home shopping channel determine the commodity that will buy and service and the commercial product code of determining to represent these commodity and service.
The commercial product code (step 210) that client imports corresponding to purchase by portable terminal 110 according to the form of shopping center company appointment.
Figure 3 shows that the lcd screen of portable terminal in the step 210.As shown in Figure 3, client determines type and the service code and the commercial product code in shopping center, thereby is used for the message of the commodity of needs purchase with the predetermined format input.
With reference to Fig. 3, described a kind of can be when customer requirement is bought any commodity that the service provider provided by import the method for this merchandise news at portable terminal with note sending function, the input field of merchandise news comprises service code field 310, shopping center type field 320 and commercial product code field 330.
Shopping center type field 320 is to be used for client to import the field that predetermined shopping center code is represented the type of shopping center company.Mobile communication service system 120 according to the shopping center type pre-determine the shopping center code (for example, the shopping center code of CJ39 family TV shopping channel be TVCJ and the shopping center code at SAMAUNG online shopping center is ONSM or the like) and send these codes to shopping mall server 150.Commercial product code field 330 is to be used for client to import the field that predetermined commercial product code is specified the type that will do shopping.For example, if the commercial product code of 29 inches TV of LG (televisor) is PT123456, client imports PT123456 to buy 29 inches TV of LG in field 330 so.
By the example of demonstrating in TV or network, shopping mall server 150 helps client to fully understand the field of the service code, shopping center code and the commercial product code that send according to specified format.
Promptly, when client wants when CJ39 home shopping channel is bought 29 inches TV of LG, client can be by input in portable terminal 110 such as ' note of OP100 TVCJ PT123456 ', the called number that input CJ39 home shopping channel shows and send and send purchasing demand.When predetermined called number receives note, SMSC 130 confirms that this call number is for buying request (for example, the disclosed call number of CJ39 home shopping channel is 011-123-4567, so promptly receives note at 011-123-4567).
Shown in Figure 3ly only comprise service code field 310, shopping center type field 320 and commercial product code field 330, in fact also should comprise the input field of quantity of doing shopping, the field that is used to select your destination as the merchandise news input field.
For example, when when shopping quantity input field is not imported content, can think the request of purchase quantity be default value (for example, 1).Equally, in selecting your destination field, client (for example do not import book character, Y), can be delivered to the client address that is stored in mobile communication service system 120 databases to corresponding commodity and when client imports book character, can show to be used for the independent entr screen that client imports transmit address.
With reference to Fig. 2, portable terminal 110 sends the merchandise news (step 212) that comprises customer initiated call number, customer information and commercial product code to SMSC 130 again.
Customer Information as added field is shopping mall server request client's additional information and the quantity that comprises service code, shopping center type, destination code, purchase, resident's number of registration etc.
The SMSC 130 of mobile communication system 120 sends the merchandise news that receives and MC-T 140 to MC-T 140 and produces the identifying code (step 214) that is used for the cross-certification between client and shopping mall server 150 according to the commodity of correspondence.By using the random algorithm method generation identifying code of combined digital at random.Respective embodiments has shown that in step 214 identifying code by MC-T 140 produces and passes to portable terminal 110 and shopping mall server 150 has the situation of identical length and identical content.MC-T 140 sends identifying code (step 216) by SMSC 130 to portable terminal 110.
MC-T 140 sends to shopping mall server 150 and comprises purchase information (step 218) such as customer initiated call number, commercial product code, identifying code and customer information.
The shopping mall server 150 that receives shopping information sends the message (step 220) of cross-certification to client's portable terminal 110.Here, the message of transmission comprise be used to confirm corresponding to the purchase information that receives the commodity of purchasing intention content and require client to pass through the message of portable terminal 110 input validation sign indicating numbers.
When receiving purchase information, shopping mall server 150 takes out client's telephone number and commercial product code and produces the cross-certification message that comprises the type of merchandise, commodity price and service code corresponding to commercial product code automatically from shopping information.
Equally, can not finish the process that produces cross-certification message by manual methods by automatically performing system.
Figure 4 shows that the lcd screen of portable terminal in the step 220.
With reference to Fig. 4, when being depicted as shopping mall server transmission cross-certification message, the screen of client's portable terminal, and cross-certification message comprises service code field 410, type of merchandise field 420, commercial product code field 430, commodity price field 440 and buys affirmation field 450.Service code field 410 is the fields that are used for representing command code.In this explanation, it is expressed as the form of ' OP200 ' and the step that expression is used for the input validation sign indicating number.
Type of merchandise field 420 is the type of expression client required commodity and the field of quantity, and commercial product code field 430 is the fields that are used to represent the commercial product code of corresponding commodity, and commodity price field 440 is the fields that are used for representing the commodity price of corresponding commodity.By code and the type of confirming that client will do shopping, buy and confirm that field 450 is to be used for by confirming the kind and the code of the required commodity of client, identifying code that input has received when there is buying intention in client and the field that sends it to shopping mall server.It also is when relevant merchandise news mistake or client occur and do not want to buy on the other hand, is used for importing by the predetermined in advance numeral (in this explanation, 0000) of shopping mall server Cancelling Transaction and sending it to shopping mall server.
With reference to Fig. 2, portable terminal 110 responses are sent the response message (step 222) that is used for cross-certification from the message that shopping mall server 150 receives in step 220 again.Here, when client's input validation sign indicating number and agreement transaction, response message is the transaction approval information that is included in the identifying code that step 216 receives from MC-T140 by portable terminal 110, and response message is the message that is used to cancel the request of purchase when client Cancels Transaction.The called number that is used for receiving response message is the telephone number in the shopping center that sends with the message of being sent by shopping mall server 150 in step 220.
Shopping mall server 150 is confirmed in step 218 identifying code the identifying code from the purchase information that MC-T 140 receives and the response message that receives from portable terminal 110 whether consistent (step 224).
If confirm that in step 224 identifying code is consistent, then shopping mall server 150 comes to be the commodity price that client will buy pay (step 226) by send the payment request message to MC-T 140.
The message that request is paid comprises information such as commodity price and commodity amount.
Inconsistent when identifying code, receive the message that request is bought in cancellation, when perhaps not receiving the response message from portable terminal in the predetermined cycle, shopping mall server 150 sends the message that Cancels Transaction to MC-T 140.The MC-T 140 that receives the message that Cancels Transaction sends it to portable terminal 110 by SMSC 130.MC-T140 is to purchasing commodity pay (step 228).
In respective embodiments, be incorporated into the process that explanation is paid under the prerequisite that realizes in the mobile communication expense paying and pay in price with purchasing commodity.
Yet, can also be by completing charge such as different modes such as account transfer, on-line payment, credit card payments and paying.
For example, when adopting credit card payment, MC-T 140 can require client's credit card information (for example, credit card number, the credit card term of validity and password etc.), receives this information and settles accounts to the credit card server request from portable terminal by SMSC 130.
The credit card server of request clearing is to MC-T 140 request clients' credit card information, checking, clearing and the message of finishing to MC-T 140 transmission clearing.
The step of selection settlement method can be included in the step 228 of front, selects clearing form by client.
Figure 5 shows that when being included in MC-T140 before the paying step 228 by the mobile terminal LCD screen of SMSC130 when the step of settlement method is selected in portable terminal 110 requests.That is, Figure 5 shows that, be used for the mobile terminal LCD screen that client selects the step of settlement method according to a preferred embodiment of the invention carrying out in the payment procedure by the SMS shopping with as the agency.
Be provided with in the method for payment of the commodity of purchasing client, field 530 expressions are incorporated into the mobile phone expense, field 540 expression account transfers, and field 550 expression on-line payments, request is bought in field 560 expression cancellations.The option number that client selects and input field 530 to 560 is shown one of them.
In respective embodiments, when client selects option number 1, finish the process of shopping and paying, and work as client and select option number 2 or 3 according to step shown in Figure 2, then need to comprise to portable terminal 110 requests and the step of buying relevant additional information.
When client selects option number 2, need add process flow diagram or be revised as and comprise the step that is used to ask by payment by the transfer of account, perhaps when client selects option number 3, need or be revised as and comprise the step that is used to ask on-line payment the process flow diagram interpolation.
With reference to Fig. 2, MC-T 140 is sent completely the message (step 230) of paying to shopping mall server 150 again.
MC-T 140 is sent completely the message (step 232) of transaction to portable terminal 110 by SMSC 130.
MC-T 140 produces the transaction details that comprises such as information such as commercial product code and commodity prices, and sends the paying result to upgrade client's expense announcement (step 234) to the charging system that is used for to the mobile communication service is paid.
For determine pay and payment process in the destination of deliver goods, although not shown in the accompanying drawings, but to comprise the step that is used for client's Input Address or be used for step by keeper's Notify Address.
According to another embodiment of the invention, can provide raising to carry out the method and system of the security of paying, and can carry out cross-certification by the mode different with an embodiment by the SMS shopping with as the agency.
For example, there is a kind of identifying code (step 214), sends the identifying code (step 216) of most-significant byte and send the same method of least-significant byte identifying codes to shopping mall server 150 to portable terminal as 16 of MC-T140 generations.
In respective embodiments, the least-significant byte identifying code that will store in advance in the shopping mall server 150 and in step 222, combine and send whole 16 identifying codes (step 224) to MC-T140 from the most-significant byte identifying code of portable terminal 110.
MC-T140 determines the identifying code of this reception, and whether whether consistent the decision then pays with the identifying code that produces in step 214.MC-T140 pays when two identifying codes are consistent.On the other hand, MC-T140 sends the message (step 230 and 232) that Cancels Transaction to shopping mall server 150 and portable terminal 110 respectively when two identifying codes are inconsistent.In respective embodiments, the step that two identifying codes that are divided into most-significant byte and least-significant byte are combined is to carry out in the server 150 at the mall, but also existing such as comprehensive verification sign indicating number step is the embodiment that finishes in MC-T140.
When MC-T140 carried out comprehensive verification sign indicating number step, MC-T140 combined from shopping mall server 150 reception least-significant byte identifying codes and itself and the most-significant byte identifying code of being scheduled to.
Equally, in respective embodiments, MC-T140 determines the homogeneity of identifying code, determines the homogeneity of identifying codes and sends the embodiment of the message that request pays or Cancel Transaction according to its result but also exist by shopping mall server 150.
Figure 6 shows that another preferred embodiment improves by the SMS shopping with as acting on behalf of the data flowchart of carrying out the security of paying according to the present invention.
If respective embodiments has illustrated when the identifying code that produces and send to portable terminal 110 and shopping mall server 150 by MC-T140 is inconsistent, in the process of approval cross-certification, determine the situation of identifying code by MC-T140.
Here explain raising by the SMS shopping with as the process of acting on behalf of the security of carrying out paying with reference to Fig. 6, omit and the explanation of front with reference to the equitant part of Fig. 2.
The step (step 210) of actual selection shopping is the same with the step (step 212) that sends merchandise news with Fig. 2.Equally, carry out the step (step 228) of paying, the transmission paying finishes the step (step 230 and 232) of message with transaction and the step (step 234) of generation transaction details and update cost announcement is the same with Fig. 2 also.
The part different with Fig. 2 is the part of carrying out in step 610 and step 622 about cross-certification.
MC-T 140 produce with store two different identifying codes after, i.e. first identifying code and second identifying code, MC-T140 sends to portable terminal 110 and shopping mall server 150 (step 610, step 612 and step 614) respectively with it.
In Shuo Ming an alternative embodiment of the invention, shopping mall server 150 combines a high position and low level identifying code in front, produces 16 identifying codes and sends it to MC-T140.
On the contrary, in this embodiment of the present invention, MC-T 140 receives first identifying code (step 618) from portable terminal 110, from shopping mall server 150 receive second identifying codes (step 620) and they respectively and two identifying codes that the step that produces identifying code, prestore compare.Be different from the process that lieutenant colonel of the present invention ratifies cross-certification, different approval cross-certification processes can also be arranged, if such as first identifying code of shopping mall server 150 receptions from portable terminal 110, produce the comprehensive verification sign indicating number and send it to MC-T (120) by predetermined integration algorithm, MC-T (120) receives this comprehensive verification sign indicating number, and algorithm is cut apart it and compare with two identifying codes of earlier stored respectively by predetermined cutting apart.
Although present invention is described according to different embodiment, the intent of the present invention is not limited to these embodiment.For veteran aspect providing and receive consulting service, be easy in the present invention's spirit scope, the present invention be improved.
Commercial Application of the present invention
Improve the security of passing through SMS (short message service) shopping and carrying out paying as the agency according to the present invention Method owing to needn't construct system such as the costliness of conventional audio answering system, therefore can reduce and be used for The construction costs of the system of merchandising or service.
Equally, the present invention improves by using mobile communication service system to carry out the security of paying as the agency Method simplify purchasing process and make the shopping that client can safety by the identifying code cross-certification.
Claims (10)
1, a kind of method that improves short message service shopping of adopting in the mobile communications network and the security of paying thereof, described method comprises step:
Receive the information that client will buy commodity from portable terminal, wherein said merchandise news comprises the predetermined commercial product code relevant with service with commodity at least;
Generation corresponding to the origin authentication sign indicating number of merchandise news with the cross-certification between approval client and the shopping mall server;
Store described origin authentication sign indicating number;
By predetermined partitioning algorithm the origin authentication sign indicating number is divided into first identifying code and second identifying code;
Send described first identifying code by short message service center to portable terminal;
Generation comprises the purchase information of described merchandise news and described second identifying code;
Send described purchase information to shopping mall server;
Receive first source code or second source code from shopping mall server, wherein said first source code at the mall on the server by producing with comprehensive described first identifying code of predetermined integration algorithm and second identifying code, and described second source code is identical with described second identifying code;
Produce the comprehensive verification sign indicating number by described first source code or second source code;
Confirm whether described comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number of storage in the past; With
When described comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, pay.
2, raising according to claim 1 is adopted the short message service shopping and the method for the security of paying, and it is characterized in that, is describedly further comprised by the step that first source code or second source code produce the comprehensive verification sign indicating number by integration algorithm:
When receiving first source code, store described first source code as the comprehensive verification sign indicating number; With
When receiving second source code, by producing the comprehensive verification sign indicating number by comprehensive described first identifying code of integration algorithm and second source code.
3, the method for the security of short message service shopping and paying thereof is adopted in raising according to claim 1, it is characterized in that described method further comprises:
When comprehensive verification sign indicating number and origin authentication sign indicating number are inconsistent, send the message that Cancels Transaction to portable terminal or shopping mall server by short message service center;
When the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, for the commodity that client bought are paid and are sent completely the message of paying to shopping mall server; With
Send transaction by short message service center to portable terminal and finish message.
4, the method for the security of short message service shopping and paying thereof is adopted in raising according to claim 1, it is characterized in that described step of paying when the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number further comprises:
The transaction details that generation will be done shopping corresponding to client, wherein said transaction details comprises commercial product code and commodity price at least; With
Send transaction details to the charging system of paying, to upgrade client's mobile communication service fee for the mobile communication service.
5, a kind of method that improves short message service shopping of adopting in the mobile communications network and the security of paying thereof, described method comprises step:
Receive the merchandise news that client will buy from portable terminal, wherein said merchandise news comprises the predetermined commercial product code relevant with service with commodity at least;
Produce two individual authentication sign indicating numbers corresponding to merchandise news, i.e. first identifying code and second identifying code are with the cross-certification of approval between client and shopping mall server;
Store first identifying code and second identifying code respectively as the first origin authentication sign indicating number and the second origin authentication sign indicating number;
Send first identifying code by short message service center to portable terminal;
Generation comprises the purchase information of the merchandise news and second identifying code;
Send described purchase information to shopping mall server;
Reception is from first identifying code of portable terminal;
Reception is from second identifying code of shopping mall server;
Confirm whether described first identifying code is consistent with the first origin authentication sign indicating number;
Confirm whether described second identifying code is consistent with the second origin authentication sign indicating number; With
When first identifying code and the first origin authentication sign indicating number, when second identifying code is consistent respectively with the second origin authentication sign indicating number, pay.
6, the method for the security of short message service shopping and paying thereof is adopted in raising according to claim 5, it is characterized in that described method further comprises:
Inconsistent when first identifying code and the first origin authentication sign indicating number, or second identifying code and the second origin authentication sign indicating number send the message that Cancels Transaction by short message service center when inconsistent to portable terminal;
Send the message that Cancels Transaction to shopping mall server;
When first identifying code and the first origin authentication sign indicating number, when second identifying code and the second origin authentication sign indicating number were consistent respectively, the commodity that will buy client were paid and are finished message to shopping mall server transmission paying; With
Send transaction by short message service center to portable terminal and finish message.
7, the method for the security of short message service shopping and paying thereof is adopted in raising according to claim 5, it is characterized in that, described when first identifying code and the first origin authentication sign indicating number, the step of paying when second identifying code is consistent respectively with the second origin authentication sign indicating number further comprises:
The transaction details that generation will be done shopping corresponding to client, wherein said transaction details comprises commercial product code and commodity price at least; With
Send transaction details to the charging system of paying, to upgrade client's mobile communication service fee for the mobile communication service.
8, adopt the short message service shopping according to the described raising of arbitrary claim in claim 4 and 7 and the method for the security of paying, it is characterized in that, comprise step:
Reception is from the selection information about clearing form of portable terminal, the selection information of wherein said clearing form comprise at least the mobile phone expense that is incorporated into that is selected from, credit card payment, account transfer, on-line payment one of them;
When clearing form is credit card payment, in order to pay to the information of mobile terminal request input credit card, wherein said credit card information comprise at least be selected from credit card number, the credit card term of validity and password one of them;
Reception is from the credit card information of portable terminal;
To being used to provide the credit card server of credit service to send the message of request clearing corresponding to the quantity of money of commodity price; With
Reception is from the message of finishing clearing of credit card server.
9, a kind of system that in mobile communications network, improves the security of adopting the short message service shopping and paying with short message service function, described system comprises:
Be used for receiving merchandise news that client will buy and the device that receives first source code and second source code from shopping mall server from portable terminal, wherein said merchandise news comprises the predetermined commercial product code relevant with service with commodity at least, and described first source code is to produce by predetermined comprehensive first identifying code of integration algorithm and second identifying code in the server at the mall, and second source code is identical with second identifying code;
Be used to produce origin authentication sign indicating number corresponding to merchandise news with the cross-certification of approval between client and shopping mall server, produce shopping information that comprises the merchandise news and second identifying code and the device that produces the comprehensive verification sign indicating number by first source code or second source code;
Be used to store the device of origin authentication sign indicating number;
Be used for the origin authentication sign indicating number being divided into the device of first identifying code and second identifying code by predetermined partitioning algorithm;
Be used for sending first identifying code and sending the device of purchase information to shopping mall server to portable terminal by short message service center;
Be used to confirm the device that comprehensive verification sign indicating number and the origin authentication sign indicating number of having stored be whether consistent; With
Be used for the device of when the comprehensive verification sign indicating number is consistent with the origin authentication sign indicating number, paying.
10, a kind of system that in mobile communications network, improves the security of adopting the short message service shopping and paying with short message service function, described system comprises:
Be used for receiving the merchandise news that client will buy from portable terminal, with receive first identifying code from portable terminal and receive the device of second identifying code from shopping mall server, wherein said merchandise news comprises the predetermined commercial product code relevant with service with commodity at least;
Be used to produce corresponding to two independent identifying codes of first identifying code of merchandise news and second identifying code with approval between client and shopping mall server cross-certification and be used to produce the device of the purchase information that comprises the merchandise news and second identifying code;
Be used to store first identifying code and second identifying code respectively as the device of the first origin authentication sign indicating number and the second origin authentication sign indicating number;
Be used for sending first identifying code and sending the device of shopping information to shopping mall server to portable terminal by short message service center;
Be used to confirm the device that whether consistent whether consistent first identifying code and the first origin authentication sign indicating number and second identifying code and the second origin authentication sign indicating number; With
Be used for the device of when first identifying code and the first origin authentication sign indicating number and second identifying code are consistent respectively with the second origin authentication sign indicating number, paying.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020020060243 | 2002-10-02 | ||
| KR10-2002-0060243A KR100466651B1 (en) | 2002-10-02 | 2002-10-02 | System and method for buying goods and billing agency using short message service |
Publications (2)
| Publication Number | Publication Date |
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| CN1682253A CN1682253A (en) | 2005-10-12 |
| CN100559404C true CN100559404C (en) | 2009-11-11 |
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| CNB038222922A Expired - Fee Related CN100559404C (en) | 2002-10-02 | 2003-01-27 | Improve the system and method for the security of adopting short message service shopping and agency's paying |
Country Status (5)
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| EP (1) | EP1547029A4 (en) |
| KR (1) | KR100466651B1 (en) |
| CN (1) | CN100559404C (en) |
| AU (1) | AU2003206186A1 (en) |
| WO (1) | WO2004032072A1 (en) |
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| CN100373961C (en) * | 2004-12-24 | 2008-03-05 | 华为技术有限公司 | Paying off method and system through short message based on intelligent network |
| KR100715560B1 (en) * | 2005-01-27 | 2007-05-10 | 김유정 | Mobile Devices for Mobile Payment, System and Method for Mobile Payment by Using Mobile Devices and Recording Medium |
| KR100645523B1 (en) | 2005-02-24 | 2006-11-14 | (주)와이즈그램 | Method and system for providing game service which interworks short message service |
| CN100399346C (en) * | 2005-06-06 | 2008-07-02 | 刘小鹏 | Combined address identification system and method, and automatic identification device |
| KR101375088B1 (en) * | 2007-09-05 | 2014-03-18 | 에스케이플래닛 주식회사 | Mehtod, DCD Server and Terminal for Delivering Content Based on Conference with Terminal about Charge Information for Content |
| US8244592B2 (en) * | 2008-03-27 | 2012-08-14 | Amazon Technologies, Inc. | System and method for message-based purchasing |
| KR101592635B1 (en) * | 2013-11-08 | 2016-02-18 | 주식회사 화물맨 | Managing server of payment using user device and system thereof |
| CN104539589A (en) * | 2014-12-10 | 2015-04-22 | 华为软件技术有限公司 | Authorization method, server and client |
| CN109493188B (en) * | 2018-11-27 | 2021-01-26 | 湖南共睹互联网科技有限责任公司 | Transaction method and device based on identity authentication, storage medium and electronic equipment |
Family Cites Families (17)
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| US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
| KR100276987B1 (en) * | 1997-10-08 | 2001-02-01 | 장준호 | Wireless network electronic transaction system using wireless communication terminal and electronic transaction method using the system |
| RO120116B1 (en) * | 1998-04-16 | 2005-08-30 | Swisscom Ag | Method for entering control codes into a terminal |
| ES2179501T3 (en) * | 1998-06-23 | 2003-01-16 | Swisscom Mobile Ag | PROCEDURE FOR THE OFFER, THE ORDER AND THE SALE OF GOODS AND SERVICES. |
| CA2388714C (en) * | 1999-11-16 | 2007-04-17 | Swisscom Mobile Ag | Product order method and system |
| KR20000024137A (en) * | 2000-01-25 | 2000-05-06 | 안세호 | The method for payment by using mobile-phone in internet |
| KR20010094010A (en) * | 2000-04-03 | 2001-10-31 | 안만영 | E-commerce with short message service of mobile station |
| KR20000037471A (en) * | 2000-04-26 | 2000-07-05 | 이재권 | bill-payment service method, and system for the same |
| EP1178444B1 (en) * | 2000-08-01 | 2004-03-03 | mega-tel AG | Electronic payment using SMS |
| GB2371123A (en) * | 2000-09-15 | 2002-07-17 | Mypocketpal Com Ltd | Performing transactions with a wireless device |
| KR20020038916A (en) * | 2000-11-18 | 2002-05-24 | 이은승 | Method for providing codified goods and contents |
| DE10058249A1 (en) * | 2000-11-23 | 2002-06-13 | Anthros Gmbh & Co Kg | Secure electronic transmission method for transaction data uses identification data containing singular identification characters for preventing payment duplication |
| KR100485759B1 (en) * | 2001-01-26 | 2005-04-28 | 주식회사 이모시스텍 | Method for authorizing paying the price using a messenger function |
| WO2002061699A1 (en) * | 2001-02-01 | 2002-08-08 | Fournir Limited | A method for bill payment |
| KR100475245B1 (en) * | 2001-03-31 | 2005-03-10 | (주) 엘지텔레콤 | method for credit card payment or clearing service using wireless network |
| KR20020078359A (en) * | 2001-04-09 | 2002-10-18 | 한국디지털위성방송(주) | Electronic Commerce System and Method by Digital Broadcasting |
| KR20030037399A (en) * | 2001-11-03 | 2003-05-14 | 이백순 | SMS(Short Message Service) Bill checking system |
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2002
- 2002-10-02 KR KR10-2002-0060243A patent/KR100466651B1/en active IP Right Grant
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2003
- 2003-01-27 EP EP03703428A patent/EP1547029A4/en not_active Withdrawn
- 2003-01-27 AU AU2003206186A patent/AU2003206186A1/en not_active Abandoned
- 2003-01-27 CN CNB038222922A patent/CN100559404C/en not_active Expired - Fee Related
- 2003-01-27 WO PCT/KR2003/000169 patent/WO2004032072A1/en not_active Application Discontinuation
Also Published As
| Publication number | Publication date |
|---|---|
| CN1682253A (en) | 2005-10-12 |
| AU2003206186A1 (en) | 2004-04-23 |
| KR100466651B1 (en) | 2005-01-17 |
| KR20040029819A (en) | 2004-04-08 |
| EP1547029A1 (en) | 2005-06-29 |
| EP1547029A4 (en) | 2008-11-12 |
| WO2004032072A1 (en) | 2004-04-15 |
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