CN101071492A - Mobile phone fee payment method and system based on mobile phone bank - Google Patents

Mobile phone fee payment method and system based on mobile phone bank Download PDF

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Publication number
CN101071492A
CN101071492A CNA2007101176523A CN200710117652A CN101071492A CN 101071492 A CN101071492 A CN 101071492A CN A2007101176523 A CNA2007101176523 A CN A2007101176523A CN 200710117652 A CN200710117652 A CN 200710117652A CN 101071492 A CN101071492 A CN 101071492A
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payment
phone
mobile
mobile banking
message
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CNA2007101176523A
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Chinese (zh)
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胡德斌
成汉平
高园
麻晓波
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中国工商银行股份有限公司
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Priority to CNA2007101176523A priority Critical patent/CN101071492A/en
Publication of CN101071492A publication Critical patent/CN101071492A/en

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Abstract

This invention provides a method and system comprising the steps of a mobile phone-based mobile banking payment, which include: storing telephone number who pay phones and bank card data in the phone banks above; storing the data of shroff in the phone banks; people pay phone to phone banks sending SMS request; and the respond of the phone bank to the request and send a phone text message of payment confirmation; toll on the phone who stated toll confirmed receiving messages, referred to the pay phone bank were sent bank card contains data confirmed restore SMS; above mentioned phone banks to return the confirmation messages for receiving, and payment described in the data bank card check, check successful, it will pay the amount from the bank card payment transfers were charging people to account. To address the on-line micro-payment problems, provide a safe, low-cost means of online payment.

Description

一种基于手机银行的手机缴费方法及系统 Based mobile phone payment method and system for mobile banking

技术领域 FIELD

本发明关于移动通信技术,特别是关于移动通信技术在手机银行的应用,具体的讲是一种基于手机银行的手机缴费方法及系统。 The present invention relates to mobile communication technologies, particularly with regard to a mobile communication technology in mobile banking, specifically speaking a phone payment method and system based on mobile banking.

背景技术 Background technique

随着金融业务的快速发展,人们生活中需要缴纳的各种费用,现已普遍通过银行代理缴纳。 With the rapid development of financial services, various fees required to pay people's lives, it is now generally paid by the agent bank. 通过银行进行缴费,不但一次可以缴纳多种费用,而且通过银行的转账方式缴费也避免了利用现金缴费的各种麻烦。 Through bank payment, you can pay a variety of fees only once, and by way of bank transfer payment but also to avoid all kinds of trouble using the cash contributions. 目前通过银行代理缴费的方式主要是到银行柜面办理或通过网上银行办理。 Currently payment by banks on behalf of the main way to deal with the bank counter or through Internet Banking. 到银行柜台办理缴费,需要耗费用户很多时间,而且由于工作的原因,用户往往没有时间去银行缴费。 The bank counter payment, the user takes a lot of time, and because of work reasons, users often do not have time to go to the bank to pay. 通过网上银行缴费,则确实给用户带来了很大的方便,但由于上互联网只能在有网络的地方才能使用,在用户不具备上网条件、不方便上网或者不会上网时,无法使用网上支付进行缴费。 Payment through online banking, it does give users a great convenience, but because of the Internet can only be used where there is a network, the user does not have access to the Internet, the Internet is not convenient or do not go, you can not use the Internet be paid contributions.

另一方面,由于互连网是公开的技术,很容易受到攻击,在线支付过程中必须采用各种技术保证安全,比如银行端的安全隔离、客户端和服务器间的安全通道的加密,客户端的病毒、木马防护等。 On the other hand, because the Internet is an open technology, it is vulnerable to attack, the online payment process must use a variety of techniques to ensure the security, such as encryption secure channel between the secure isolation bank end, the client and server, the client viruses, Trojans protection. 在客户认证方面,广泛使用的静态密码认证方式,越来越显得不安全,客户资金被盗现象屡屡发生。 In terms of client authentication, static password authentication method is widely used, more and more seem unsafe, stolen customer funds phenomenon to occur. 为了提高网上支付的安全性,目前网上银行提供给客户使用的安全产品有数字证书(比如智能卡、USB key)、动态密码器等,但是这些设备成本都很高,对于银行的非高端客户(指不是经常使用网上银行支付,或者支付金额一般不大的用户)来说,购买银行的数字证书或动态密码器设备显得很贵,或者说是安全成本过高。 In order to improve the security of online payment, the current Internet banking available to security products customers use digital certificates (such as smart cards, USB key), dynamic passwords, etc., but these equipment costs are high, for non-high-end customers banks (refer to not often use online banking to pay, or pay the amount in general is not the user), the digital certificate purchase banks or Digipass devices seem expensive, or that security costs are too high. 因此,迫切需要一种既安全又成本低的安全的小额缴费在线支付手段提供给非高端客户使用。 Therefore, the urgent need for a safe and low-cost secure micro-payment online payment methods available to non-high-end customers.

发明内容 SUMMARY

本发明提供了一种基于手机银行的手机缴费方法及系统,用于解决网上在线小额缴费的问题,提供安全的,低成本在线支付手段。 The present invention provides a method and system for payment based mobile phone mobile banking for small online payment online to solve problems, to provide a safe, low-cost online payment methods.

本发明的技术方案为:一种基于手机银行的手机缴费方法,所述方法包括:将缴费人的手机号和银行卡数据存储于所述的手机银行;将收费人信息存储于所述的手机银行;缴费人手机向手机银行发送缴费请求短信;所述的手机银行对接收的缴费请求短信进行处理,并向缴费人手机发送缴费确认短信;缴费人手机对所述的缴费确认短信接收,并向所述的手机银行发送包含缴费人银行卡数据的确认回复短信;所述的手机银行对所述的确认回复短信进行接收,并对所述缴费人的银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 Aspect of the present invention is: based mobile banking phone payment method, the method comprising: a payer's bank card data and phone number stored in the mobile banking; who would charge to said information stored in the phone Bank; payers pay phone to send a request message to the mobile banking; mobile banking according to the received payment request message is processed, and sends a payment confirmation message phone payer; payers pay phone receives the acknowledgment message, and mobile banking is sent to the payer bank card that contains data confirm the reply message; the reply SMS mobile banking to receive the acknowledgment of, and the payer's bank card data checking, after verification succeeds, the transfer payment amount from the payment card to charge people's bank accounts.

一种基于手机银行的手机缴费系统,所述系统包括:手机、手机银行平台和收费人业务平台;所述的手机通过无线网络与所述的手机银行平台相联接,所述的收费人业务平台通过专网与所述的手机银行平台相联接;其中,所述的手机银行平台存储有缴费人手机号、缴费人银行卡数据和收费人信息;所述的手机向手机银行平台发送缴费请求短信;所述的手机银行平台对接收的缴费请求短信进行处理,并向所述的手机发送缴费确认短信;所述的手机对所述的缴费确认短信进行接收,并向所述的手机银行平台发送包含用户银行卡数据的确认回复短信;所述的手机银行平台对所述的确认回复短信进行接收,并对所述的缴费人银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 Mobile phone banking one kind of payment system, based on said system comprising: a mobile phone, internet and mobile banking service platform charges al; the mobile phone via a wireless network and the mobile banking platform coupled, the human toll service platform by private network coupled with said mobile banking platform; wherein said mobile platform is stored payers bank phone number, payment's bank card data and personal information charges; phone transmits the payment request message to the mobile banking platform ; mobile banking platform according to the received payment request message is processed, and transmits the payment confirmation message to the mobile phone; the mobile payment confirmation message to the receiving, and transmitting the mobile banking platform be sure to include the user's bank card data reply message; after the mobile banking platform confirmation of the reply message is received, and the payer bank card data check, check is successful, the payment amount from the payer bank debit card account to charge people.

本发明克服了目前通过银行代理缴费方式中的不足,提供一种安全便捷的银行代理缴费手段。 The present invention overcomes the bank by way of proxy payment insufficient to provide a safe and convenient means of payment agent bank. 本发明主要效果和优点如下:1)银行代理缴费通过手机进行,目前的手机普及程度相当高,而且手机随身携带,随时可以使用,使用手机进行缴费要比使用互联网缴费要方便得多,特别是在进行小额缴费方面具有很大的价值。 The main effects and advantages of the invention are as follows: 1) bank payment agents by phone, current mobile phone penetration is very high, and carry a cell phone, ready to be used, the use of mobile phone than pay to use the Internet to pay much more convenient, especially making a small contribution has great value. 比如:用户可以使用手机缴纳水费、电话费,可以给手机冲值,给商场购物卡冲值等。 For example: You can use mobile phones to pay water bills, phone bills, the phone can give Delta, Delta and so on to the shopping card. 例如:用户在商场购物时,可以在选购商品或排队时,通过手机缴费将资金转到该商场的购物卡上,买单时便可使用购物卡进行支付。 For example: the user when shopping, you can line up in the purchase of goods or by phone pay the funds to the mall shopping card, you can use the shopping card to pay their bill. 2)手机短信在传输过程中没有进行数据加密处理,存在一定的安全性问题。 2) SMS data is not encrypted during transmission, there are some security issues. 本发明中通过对手机号码进行注册处理,将缴费银行账户与手机号码进行绑定,大大提高了缴费的安全性,可以满足小额代理缴费的安全性要求。 The present invention carried out by mobile phone number registration process, the payment bank account and mobile phone number to bind, greatly improving the security of payment, the agency can meet the security requirements of small contributions.

附图说明 BRIEF DESCRIPTION

图1是本发明实施例的系统结构框图。 FIG. 1 is a system block diagram showing an embodiment of the present invention.

图2是本发明实施例系统连接示意图。 FIG 2 is a connection diagram embodiment of a system of the present invention.

图3是本发明实施例手机银行平台的结构框图。 FIG 3 is a block diagram of mobile banking platform embodiment of the present invention.

图4是本发明实施例手机银行平台中数据存储单元的结构框图。 FIG 4 is a block diagram of mobile banking embodiment internet data storage unit of the embodiment of the present invention.

图5是本发明实施例手机银行平台中数据处理单元的结构框图。 FIG 5 is a configuration block diagram of the mobile banking platform data processing unit of the embodiment of the present invention.

图6是本发明实施例方法流程图。 FIG 6 is a flowchart of a method embodiment of the present invention.

具体实施方式 Detailed ways

本发明实施例提供一种移动小额代理缴费系统,提供一种安全方便的移动缴费和支付方法。 Embodiment of the present invention provides a small mobile agent payment system, to provide a safe and convenient payment and mobile payment method. 用户先到银行注册开通手机代理缴费业务,在需要缴费时,使用手机编辑缴费短信(含缴费指令)发给银行的手机银行,手机银行解析用户短信,检查该手机号是否已经注册手机银行业务,如果已注册则查找用户发来的缴费指令的相关说明,通过短信发送到用户的手机。 First Bank registered users launch mobile payment services agency, if required payment, the use of mobile phone text messages edit payment (including payment instructions) sent to the bank's mobile banking, mobile banking users parsing text messages, check if the phone number has been registered mobile banking, If you have already registered then looks up the user's payment instructions sent by the relevant instructions sent to the user's mobile phone via SMS. 用户核对信息是否正确,规定时间内给手机银行进行回复,如果用户确认缴费,则回复支付密码给手机银行,如果用户要取消缴费则回复手机银行取消指令或不作回复。 User verification information is correct, reply to the provisions mobile banking within the time, if the user confirms the payment, the return paid to mobile banking password, if the user wants to cancel the payment instruction to cancel reply mobile banking or without reply. 手机银行如果在规定时间内没有收到用户的回复,或者收到用户的取消指令,则中止缴费处理。 If mobile banking does not receive a reply within the specified time, or to receive a user's instruction to cancel, suspend the payment process. 如果收到用户的支付密码,则将收到的密码与用户预留的手机银行密码进行比较,如果密码正确则进行缴费账务处理,完成缴费过程。 If you receive a password for the user's payment, you will receive a password and user password reserved for mobile banking, and if the password is correct payment accounting treatment is performed to complete the payment process.

如图1所述的系统中包括:手机、手机银行平台和收费人业务平台;所述的手机通过无线网络与所述的手机银行平台相联接,所述的收费人业务平台通过专网与所述的手机银行平台相联接;其中,所述的手机银行平台存储有缴费人手机号、缴费人银行卡数据和收费人信息;所述的手机向手机银行平台发送缴费请求短信;所述的手机银行平台对接收的缴费请求短信进行处理,并向所述的手机发送缴费确认短信;所述的手机对所述的缴费确认短信进行接收,并向所述的手机银行平台发送包含用户银行卡数据的确认回复短信;所述的手机银行平台对所述的确认回复短信进行接收,并对所述的缴费人银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 The system of Figure 1 comprises: a mobile phone, internet and mobile banking service platform charges al; the mobile phone via a wireless network and the mobile banking platform coupled, the person charged with the service platform via the private network said mobile banking platform coupled; wherein said mobile platform is stored payers bank phone number, payment's bank card data and personal information charges; phone transmits the payment request message to the mobile banking platform; the phone internet bank payment request of the received message is processed, and transmits the payment confirmation message to the mobile phone; the mobile payment confirmation message to the receiving, mobile banking and the internet transmission containing the user's bank card data confirmation reply message; the reply SMS mobile banking platform receiving the acknowledgment, and the payer bank card data checking, after verification successful, will transfer the payment amount from the payer bank card to charge people account.

如图2所示的实施例中:为移动小额代理缴费系统结构图,包含作为手机银行平台的手机银行系统2、作为收费人业务平台的收费单位系统3、短信网络4、手机终端1。 Embodiment illustrated in Figure 2: the agent is a small mobile payment system configuration diagram, comprising a platform for mobile banking mobile banking system 2, a person charged service platform system charging unit 3, 4 messaging network, the mobile terminal 1. 手机银行系统2为银行为用户提供通过手机短信办理业务的信息处理系统,手机银行系统中将不同的缴费种类设定不同的缴费指令,比如电话费为DHF,手机费为SJF,水费为SF等。 2 is a mobile banking system to provide for banking services to users via SMS information processing system, various different types in the mobile banking system pay payment instruction set, such as DHF telephone, mobile phone charges is SJF, water is SF Wait. 收费单位系统3是指委托银行代理收费单位的信息系统,一般为小额代理缴费的收入方,比如电信运营商、供电局、自来水公司、超级商场等。 3 refers to the system of charging units commissioned by the Bank as agent of fee information systems, general agent for the revenue side of small contributions, such as telecom operators, power supply bureau, water companies, supermarkets and so on. 特征是:收费单位(被代理单位)为用户提供一个用于标识其商品的号码作为代理缴费的关键字,以便收费单位判断缴费用户是谁,比如电信资费代理缴费时,可以以电话号码或手机号码作为代理缴费关键字,以便电信公司判别缴费的电话用户是谁。 Characterized by: charging unit (proxied units) to provide users with a key number to identify their goods as a proxy for payment in order to pay the user fee per unit to determine who is, for example, telecommunications charges, agency fees, you can telephone or cell phone number payment number as a key agent for telecommunications companies who pay discrimination phone users Yes. 自来水公司可以用户卡编号作为代理缴费关键字,百货公司可以购物卡卡号作为代理缴费关键字,等等。 Water company can pay user card number as a proxy keyword, department store shopping card number can be used as a proxy to pay keywords, and so on. 手机终端1一般为可收发短信的普通手机,也可以是能收发短信的其它设备。 Mobile terminal 1 is typically an ordinary mobile phone can send and receive text messages, and may be other devices can send and receive text messages. 短信网络4为无线通讯运营商提供的短信通讯网络,比如联通公司的联通在信、移动公司的移动梦网短信网等。 SMS network 4 wireless carriers offer SMS communication networks, such as China Unicom China Unicom in the letter, the company's Monternet mobile messaging network.

如图3所示为手机银行系统结构图,包含数据存储装置11、数据处理装置12和短信收发装置13。 3 is a configuration diagram of mobile banking system, comprising a data storage device 11, data processing unit 12 and the messaging device 13. 数据存储装置11存储手机银行的数据信息,可以是一个数据库管理系统,也可以是一个文件系统,或其它具有相同功能的数据存储单元。 Data storage means 11 stores data mobile banking, and may be a database management system, or may be a file system, or other data storage means having the same function. 数据处理装置12为提供手机银行服务的处理装置。 The data processing device 12 to provide mobile banking services processing device. 短信收发装置13为短信网关,是一个商业产品程序,负责短信的收发处理。 SMS messaging gateway device 13, is a commercial product program, is responsible for send and receive text messages handling. 短信收发装置13连接短信网络,可用是通过专线网络与无线通讯运营商连接,使用TCP/IP通讯协议与无线通讯运营商的短信处理平台系统交换数据。 SMS messaging network device 13 is connected, is connected to the available wireless carriers through line network, using TCP / IP protocols and wireless carriers SMS processing platform system to exchange data. 数据处理装置12与短信收发装置13可以通过Api(应用数据接口)调用,TCP/IP通讯协议等方式连接。 The data processing device 12 and device 13 may send and receive SMS (Application Data Interface) calls Api, TCP / IP communication protocol are connected.

如图4所示为数据存储装置结构图,包含内置账户信息存储单元21、手机银行注册信息存储单元22和代理缴费业务信息存储单元23。 4 is a configuration diagram of a data storage device, comprising a built-in account information storage unit 21, a mobile banking information storage unit 22, and registration agency service information storage unit 23. 内置账户单元21存储用户的账户信息,至少包含账号、户名、账户密码、币种、余额。 Built-accounts unit 21 stores user account information, including at least the account, username, account password, currency, balance. 手机银行注册信息存储单元22存储用户注册手机银行的信息,至少包含账号、手机银行密码、手机号码。 Mobile banking registration information storage unit 22 stores user registration information of mobile banking, including at least accounts, mobile banking password, and phone number. 手机银行密码是在手机银行渠道单独使用的密码,不同于其柜面使用的密码,柜面密码是用户到银行柜面或通过ATM(自动柜员机)办理业务时使用的密码,而手机银行密码是用户通过手机银行系统办理业务时使用的密码。 Mobile banking password is the password to use mobile banking channels alone, unlike counter use of its password, the password is the password used incase the user to transact business through a bank counter or ATM (automated teller machine), and phone banking password is users for a password when using the mobile phone business through the banking system. 代理缴费业务信息存储单元23存储代理缴费业务信息,至少包含业务代码、业务名称、指令代码、收费单位编号、收费单位名称、代理缴费关键字、缴费金额等,代理缴费关键字可以是电话号码、用户卡编号、百货公司购物卡号等,是缴费用户的身份标识,用于收费企业判断是哪一个用户缴的费。 Agency service information storage unit 23 stores information agency service, including at least business code, business name, the instruction code, number of charging units, charging unit name, keyword proxy payment, payment amount, Acting pay keywords can be a phone number, user card number, card number and other department stores and shopping, is the identity of the user fees, charges for enterprises determine which users pay a fee.

如图5所示为数据处理装置结构图,包含主处理单元30、用户注册处理单元31、用户认证处理单元32、短信解析单元33、短信生成单元34、缴费账务处理单元35、收费单位通知单元36。 FIG configuration diagram of a data processing apparatus shown in FIG 5, includes a main processing unit 30, the user registration processing unit 31, a user authentication processing unit 32, a message analyzing unit 33, a message generation unit 34, the payment accounting processing unit 35, charge unit notifying unit 36.

主处理单元30,是数据处理装置11中的主控单元,负责协调数据处理装置11中单元一起工作。 The main processing unit 30, 11 is a data processing apparatus in the control unit, the unit is responsible for coordinating the data processing apparatus 11 to work with. 用户到银行柜面进行手机银行注册时,主处理单元30调用用户注册处理单元31,将用户注册手机银行的信息存储到手机银行注册信息存储单元22中,并调用短信生成单元34生成注册提示短信,通过短信收发装置13发送到手机终端1。 The user to the bank counter register for mobile banking, the main processing unit 30 to call the user registration processing unit 31, the user registration information stored in the mobile banking mobile banking registration information storing unit 22, and call message generating unit 34 generates the registration prompt message , transmitted to the mobile phone terminal apparatus 13 1 through text messaging. 短信收发装置13接收到手机终端1发送的缴费短信时,转给数据处理装置12进行处理。 When the messaging device 13 receives the pay phone terminal 1 transmits the message, transferred to the data processing apparatus 12 for processing. 主处理单元30先调用短信解析单元33进行解析处理,再调用用户认证处理单元32检查用户是否注册手机银行,然后调用短信生成单元34生成发送给用户的待确认提示短信,通过短信收发装置13发送到手机终端1。 The main processing unit 30 to call the message analyzing unit 33 performs analysis processing, and then calls the user whether the authentication processing unit 32 checks the user registration mobile banking, and then call the message generation unit 34 generates transmission to the user to be confirmed prompt message, sent via messaging means 13 to the mobile phone terminal 1. 收到用户确认短信后,主处理单元30先调用短信解析单元33进行解析处理,再调用用户认证处理单元32核对密码是否正确,然后调用缴费账务处理单元35进行缴费账务处理,接着调用收费单位通知单元36将用户缴费信息发给收费单位系统3,最后调用短信生成单元34生成缴费结果短信,通过短信收发装置13发送到手机终端1。 After receiving the user confirmation message, the main processing unit 30 to call the message analyzing unit 33 performs analysis processing, and then calls the user authentication processing unit 32 to check whether the password is correct, then the accounting processing unit 35 calls the payment accounting for payment processing, then call fees unit notifying unit 36 ​​of the user information to the payment system, charging unit 3, the last call message generating unit 34 generates a payment result message transmitted to the mobile terminal apparatus 13 1 through text messaging.

用户注册处理单元31,负责接收用户注册请求,完成手机银行注册处理。 User registration processing unit 31, is responsible for receiving user registration request, complete mobile banking registration process. 用户到银行柜面进行手机银行注册,注册介质银行卡或活期账户,并绑定手机号码,该银行卡或活期账户将作为以后用户使用手机银行缴费、转账、支付等业务所使用的账号。 Users to conduct mobile banking Bank counter is registered with the media bank card or current account, and bind phone number, bank card or current account will use mobile banking payment, transfer, payment and other services are using the account for future users. 注册信息由银行柜员输入,注册信息至少包含账号(银行卡卡号或活期账户账号)、手机号码、手机银行密码。 Registration information input by the bank teller, the registration information includes at least account (bank card number or checking account account number), phone number, mobile banking password. 手机银行密码是在手机银行渠道单独使用的密码,不同于其柜面使用的密码,柜面密码是用户到银行柜面或通过ATM(自动柜员机)办理业务时使用的密码,而手机银行密码是用户通过手机银行系统办理业务时使用的密码。 Mobile banking password is the password to use mobile banking channels alone, unlike counter use of its password, the password is the password used incase the user to transact business through a bank counter or ATM (automated teller machine), and phone banking password is users for a password when using the mobile phone business through the banking system. 用户注册处理单元31通过访问数据存储装置中11中的手机银行注册信息存储单元22,将用户注册手机银行的信息存储到手机银行注册信息存储单元22中。 User registration processing unit 31 through the registration information storage unit in the mobile banking access data storage device 1122, the user registration information stored in the mobile banking mobile banking registration information storing unit 22.

用户认证处理单元32,负责对用户进行认证,检查用户是否注册手机银行,核对用户缴费时输入的密码与手机银行密码是否一致。 User authentication processing unit 32 is responsible for authenticating the user to check whether the user is registered mobile banking, mobile banking password and verify password entered when user fees are the same. 检查用户是否注册手机银行时,用户认证处理单元32根据发送缴费短信的手机号码,通过访问数据存储装置11中的手机银行注册信息存储单元22,查询该手机号码是否已经注册手机银行服务。 Checking whether the mobile banking user registration, user authentication processing unit 32 transmits the phone number of the payment message, by accessing the data storage 11 in the mobile banking device registration information storage unit 22, a query whether the phone number has been registered mobile banking service. 核对用户缴费时输入的密码时,用户认证处理单元32访问数据存储装置11中的手机银行注册信息存储单元22,获得用户注册手机手机银行时预留的密码,将该密码与上诉手机终端1发送来的密码比较。 When the user inputs the password check payment, 11 user authentication processing unit 32 accesses the data storage means mobile banking registration information storage unit 22, the user registers the reserved obtained Mobile phone banking password, transmits the password and the mobile phone terminal 1 appeal comparing the password.

短信接收与解析单元33,负责从短信收发装置13接收手机终端1发送来的支付、确认等短信,检查短信格式是否正确,并对短信内容进行解析,解析出其中的缴费指令、缴费关键字、缴费金额、密码等信息。 Receiving a message analyzing unit 33, is responsible for messaging payment terminal device 1 receives the mobile phone 13 transmitted from the confirmation message, check whether the correct message format, and parse the message content, wherein the payment instruction parsing, keyword contribution, payment amount, passwords and other information.

短信生成单元34,根据短信内容(例如缴费说明、缴费金额、缴费结果等)生成各种发送给手机终端1的短信,如手机银行注册结果短信、缴费待确认提示短信、缴费结果短信等。 Message generation unit 34, according to the message content (e.g. payment instructions, payment amount, payment results, etc.) generate various messages sent to the mobile phone terminal 1, such as mobile banking message registration result, payment prompt message to be confirmed, the results of SMS payment.

缴费账务处理单元35,负责缴费的转账处理。 Payment accounting processing unit 35, is responsible for the payment transfer process. 缴费账务处理单元35根据缴费金额,访问账户信息存储单元21,在用户注册手机银行的账户中扣减缴费金额,将收费单位的账户余额增加缴费金额数,同时访问代理缴费业务信息存储单元23,将该笔缴费处理登记在代理缴费业务信息存储单元23中,登记信息至少含业务代码、业务名称、指令代码、收费单位编号、收费单位名称、代理缴费关键字、缴费金额等。 Payment accounts processing unit 35 according to the amount of the payment, access account information storage unit 21, the amount of contributions deducted registered user of mobile banking account, the account balance will be charged per unit increase in the number of payment amount, while access agency service information storage unit 23 the payment sum is registered in the agency service process information storage unit 23, the registration information containing at least service code, service name, the instruction code, charging unit number, the name of the charging unit, the keyword agent payment, payment amount.

收费单位通知单元36,负责将用户缴费信息通知给收费单位系统3,以便收费单位系统3作相应付费处理。 Charge unit notifying unit 36 ​​notifies the user is responsible for payment information to the charging system units 3, so that the charging unit 3 accordingly payment processing system. 发送给收费单位的缴费信息至少含缴费关键字、缴费金额。 Send payment information to the charging unit containing at least pay keywords, payment amount. 例如:用户交了电话费,则发送给收费单位系统3的信息含缴费的电话号码、缴费金额。 For example: Users pay phone bills, then send the information to the charging unit system containing 3 pay phone number, payment amount.

如图6所示为一种移动小额代理缴费方法,包含步骤如下:步骤100:用户到银行柜面进行手机银行注册,注册介质银行卡或活期账户,并绑定手机号码,该银行卡或活期账户将作为以后用户使用手机银行缴费、转账、支付等业务所使用的账号。 Shown in Figure 6 as a payment method for small mobile agent, comprising the following steps: Step 100: the user to the bank counter register for mobile banking, the media register bank card or checking account, and bind phone number, bank card or the current accounts will use mobile banking payment account, transfer, payment and other services used for future users. 注册信息由银行柜员输入,注册信息至少包含账号(银行卡卡号或活期账户账号)、手机号码、手机银行密码。 Registration information input by the bank teller, the registration information includes at least account (bank card number or checking account account number), phone number, mobile banking password. 手机银行密码是在手机银行渠道单独使用的密码,不同于其柜面使用的密码,柜面密码是用户到银行柜面或通过ATM(自动柜员机)办理业务时使用的密码,而手机银行密码是用户通过手机银行系统办理业务时使用的密码。 Mobile banking password is the password to use mobile banking channels alone, unlike counter use of its password, the password is the password used incase the user to transact business through a bank counter or ATM (automated teller machine), and phone banking password is users for a password when using the mobile phone business through the banking system. 手机银行系统2中的用户注册处理单元31通过访问数据存储装置中11中的手机银行注册信息存储单元22,将用户注册手机银行的信息存储到手机银行注册信息存储单元22中。 Mobile banking system user registration processing unit in the registration information storage unit 231 via the mobile banking access data storage device 1122, the user registration information stored in the mobile banking mobile banking registration information storing unit 22.

在注册手机银行时,银行柜员需核对用户身份证件,用户出示身份证明原件(居民身份证、军官证等),银行柜员核对身份证明与该银行卡或活期存折在开户时预留的身份证明信息是否一致。 When registering mobile banking, bank teller need to check the user ID, user produce original proof of identity (identity card, military ID, etc.), bank teller proof of identity verification information with the bank card or passbook savings account at the time of reservation status They are the same.

步骤101:手机银行系统2将用户注册手机银行结果信息通过短信形式发送到用户手机上。 Step 101: 2 mobile banking system will result mobile banking user registration information is sent to the user's mobile phone via text message. 手机银行系统2中的主处理单元30调用短信生成单元34生成注册提示短信,短信内容比如可以是:“您注册手机银行已经成功,手机银行服务号码是XXXX,使用手机银行时,请将含有支付或缴费指令的短信发送到该手机银行服务号码。XX银行。”注册结果提示短信的具体内容则可根据具体需要确定。 Mobile banking system main processing unit 230 calls the message generation unit 34 generates a login prompt messaging, SMS content such as can be: "You have successfully registered mobile banking, mobile banking service number is XXXX, the use of mobile banking, please containing payment or SMS payment instructions sent to the mobile banking service number .XX bank. "the results suggest that SMS registration details can be determined according to specific needs. 主处理单元30将生成的提示短信通过短信收发装置13发出,短信收发装置13通过短信网络将短信发送到上述用户使用的手机终端1上。 The main processing unit 30 prompts the short message generated by the message transceiver 13, transceiver 13 transmits the SMS message to said user mobile terminal 1 via SMS network.

步骤102:手机终端1接收注册结果提示短信,并在手机终端1显示屏上显示该提示短信的内容。 Step 102: the mobile terminal 1 receives the registration result prompt message, and the content of the prompt message is displayed on the mobile phone terminal 1 display.

步骤103:用户在需要使用手机银行缴费时,使用手机终端1编辑缴费短信,缴费短信至少包含内容为:缴费指令、缴费关键字、缴费金额。 Step 103: When users need to use the mobile banking payment, mobile phone payment terminal 1 edit text, payment message contains at least reads: payment instructions, payment keyword, payment amount. 缴费指令用于指示缴费的类别,如电信运营商的电话费、自来水公司的水费等。 Payment category is used to indicate payment instructions, such as telecom operators phone bill, the water company's water and so on. 例如电话费为DHF,手机费为SJF,水费为SF等。 Such as telephone charges for the DHF, mobile phone charges for the SJF, water is SF so on. 缴费关键字用于标识缴费的用户,以便收费单位判断缴费用户是谁。 Payment keyword is used to identify the user fees in order to determine who pay user fees Unit Yes. 例如:电信资费代理缴费时,可以以电话号码或手机号码作为代理缴费关键字,自来水公司可以用户卡编号作为代理缴费关键字,百货公司可以购物卡卡号作为代理缴费关键字,等等。 For example: telecommunications charges agency fees, can be a phone number or cell phone number as a proxy payment key, the user can tap the company card number as payment agents keyword, department store shopping card number can be used as a proxy to pay keywords, and so on. 缴费金额为用户需要缴纳的费用额。 The amount of the payment required to pay a user fee amount. 手机终端1通过短信网络4将缴费短信发送给手机银行系统的服务号码。 The mobile phone terminal 14 is sent to the service number via SMS mobile banking system payment network SMS.

步骤104:手机银行系统2中的短信收发装置13接收到手机终端1发送的缴费短信,转给数据处理装置12进行处理。 Step 104: messaging device 2 to the mobile banking system 13 receives a payment message sent by the mobile terminal, transferred to the data processing apparatus 12 for processing. 数据处理装置12中的主处理单元30调用短信解析单元33进行解析处理。 The main processing unit 12 in the data processing apparatus 30 calls the message analyzing unit 33 performs analysis processing. 短信解析单元33先对短信进行格式检查,再解析短信内容,根据短信中的缴费指令确定用户缴费的类别,如电信运营商的电话费、自来水公司的水费等。 SMS message parsing unit 33 firstly checks the format, and then parses the message content, the payment instruction message is determined according to the category of user fees, such as carriers telephone charges, water and other water company.

步骤105:主处理单元30调用用户认证处理单元32检查用户是否注册手机银行。 Step 105: the main processing unit 30 to call the user if the authentication processing unit 32 checks the user registration mobile banking. 用户认证处理单元32根据发送缴费短信的手机号码,通过访问数据存储装置11中的手机银行注册信息存储单元22,查询该手机号码是否已经注册手机银行服务。 The user authentication processing unit 32 transmits the phone number of the payment message, by accessing the data storage 11 in the mobile banking device registration information storage unit 22, a query whether the phone number has been registered mobile banking service. 如果该手机号码未注册手机银行服务,则终止缴费处理。 If the phone number is not registered mobile banking, payment processing is terminated. 如果该手机号码已经注册手机银行服务,则继续进行缴费处理。 If the phone number has been registered mobile banking service, continue with the payment process.

步骤106:主处理单元30调用短信生成单元34生成发送给用户的待确认提示短信。 Step 106: the main processing unit 30 generates a call message generation unit 34 to be sent to the user confirmation prompt message. 待确认提示短信至少包含用户缴纳费用的说明,缴费关键字,缴费金额。 Pending confirmation prompt message contains at least that user fees are paid, the keywords pay, payment amount. 例如待确认提示短信的内容为:“您准备缴纳的费用是电信公司的电话费(费用说明),缴费电话号码为xxxxxxx(关键字),缴费金额为:xxxx(缴费金额)。如果确认缴费请回复手机银行密码。如果要终止缴费则回复qx”。 For example, content to be a confirmation prompt message is: "you are ready to pay the cost of the telecommunications company's telephone costs (Fee), payment phone number xxxxxxx (keywords), payment amount:. Xxxx (payment amount) if payment please confirm reply mobile banking password. If you want to terminate the payment reply qx ". 主处理单元30将生成的待确认提示短信通过短信收发装置13发出,短信收发装置13通过短信网络将短信发送到上述用户使用的手机终端1上。 The main processing unit 30 generates a message to be sent via SMS confirmation prompt transceiver 13, transceiver 13 transmits the SMS message to said user mobile terminal 1 via SMS network.

步骤107:手机终端1接收待确认提示短信,并在手机终端1显示屏上显示该短信的内容。 Step 107: the mobile terminal 1 receives the prompt message to be confirmed, and displays the contents of the short message on the mobile phone terminal 1 display.

步骤108:用户确认缴费信息,通过手机终端1输入确认信息(手机银行密码或取消缴费的指令),手机终端1将手机银行密码或取消缴费的指令通过短信网络4发送给手机银行系统的服务号码。 Step 108: the user confirms the payment information, input acknowledgment information (phone banking password or cancel payment instruction) by mobile terminals, mobile terminals 1 phone banking password or cancel payment instructions via SMS network service number is sent to the mobile banking system 4 .

步骤109:手机银行系统2中的短信收发装置13接收到手机终端1发送的确认短信,转给数据处理装置12进行处理。 Step 109: messaging device 2 to the mobile banking system 13 receives an acknowledgment message sent by the mobile terminal, transferred to the data processing apparatus 12 for processing. 数据处理装置12中的主处理单元30调用短信解析单元33进行解析处理。 The main processing unit 12 in the data processing apparatus 30 calls the message analyzing unit 33 performs analysis processing. 短信解析单元33先对短信进行格式检查,再解析短信内容。 SMS message parsing unit 33 firstly checks the format, and then parses the message content. 如果短信内容为取消支付的指令,则终止缴费处理。 If the content of the message to cancel the instructions for payment, payment processing is terminated.

步骤110:数据处理装置12中主处理单元30调用用户认证处理单元32进行密码检查。 Step 110: the data processing apparatus 12 in the main processing unit 30 to call the user authentication processing unit 32 performs a password checking. 用户认证处理单元32访问数据存储装置11中的手机银行注册信息存储单元22,获得用户注册手机手机银行时预留的密码,将该密码与上诉手机终端1发送来的密码比较。 11 in the user authentication processing unit 32 accesses the data storage means mobile banking registration information storing unit 22 to obtain the reserved Registered phone mobile banking user password, the password and the password to the appeal of the mobile terminal 1 transmits the comparison. 如果一致则认证成功,继续进行缴费处理。 If the authentication is successful unanimously to continue the payment process. 如果不一致则认证失败,终止缴费处理。 If not then the authentication fails, the termination payment processing.

步骤111:数据处理装置12中主处理单元30调用缴费账务处理单元35进行缴费账务处理。 Step 111: the data processing apparatus 12 in the main processing unit 30 to call fee payment accounting processing unit 35 for accounting processing. 缴费账务处理单元35根据缴费金额,访问账户信息存储单元21,在用户注册手机银行的账户中扣减缴费金额,将收费单位的账户余额增加缴费金额数,同时访问代理缴费业务信息存储单元23,将该笔缴费处理登记在代理缴费业务信息存储单元23中,登记信息至少含业务代码、业务名称、指令代码、收费单位编号、收费单位名称、代理缴费关键字、缴费金额等。 Payment accounts processing unit 35 according to the amount of the payment, access account information storage unit 21, the amount of contributions deducted registered user of mobile banking account, the account balance will be charged per unit increase in the number of payment amount, while access agency service information storage unit 23 the payment sum is registered in the agency service process information storage unit 23, the registration information containing at least service code, service name, the instruction code, charging unit number, the name of the charging unit, the keyword agent payment, payment amount.

步骤112:数据处理装置12中主处理单元30调用收费单位通知单元36进行通知处理。 Step 112: the data processing apparatus 12 calls the main processing unit 30 notifies the charging unit 36 ​​notifies the processing unit. 收费单位通知单元36将用户缴费信息发送给收费单位系统3,以便收费单位系统3进行相应的处理,发送给收费单位的缴费信息至少含缴费关键字、缴费金额。 Charge unit notifying unit 36 ​​transmits the user information to the payment system, charging unit 3, the charging unit to perform corresponding processing system 3 transmits the payment information to the charging unit comprising at least a keyword payment, payment amount. 例如:用户交了电话费,则发送给收费单位系统3的信息含缴费的电话号码、缴费金额。 For example: Users pay phone bills, then send the information to the charging unit system containing 3 pay phone number, payment amount.

步骤113:收费单位系统3根据缴费的电话号码找到缴费的用户,并根据缴费金额进行付费处理。 Step 113: The system of charging units 3 find the user fee based on the payment of a telephone number, and payment processing in accordance with the payment amount.

步骤114:手机银行系统2将缴费结果信息通过短信形式发送到用户手机上。 Step 114: mobile banking system 2 transmits the payment result information to mobile phone users through short message form. 数据处理装置12中的主处理单元30调用短信生成单元34生成缴费结果短信,主处理单元30将生成的提示短信通过短信收发装置13发出,短信收发装置13通过短信网络将短信发送到上述用户使用的手机终端1上。 The main processing unit 12 of the data processing apparatus 30 calls the message generation unit 34 generates a payment result message, the main processing unit 30 generates the prompt message sent by the messaging device 13, messaging device 13 via SMS network short message to said user 1 on the handset.

步骤115:手机终端1接收待缴费结果短信,并在手机终端1显示屏上显示该短信的内容。 Step 115: the mobile terminal 1 receives the pending payment result message, and displays the contents of the short message on the mobile phone terminal 1 display.

本发明实施例克服了目前通过银行代理缴费方式中的不足,提供一种安全便捷的银行代理缴费手段。 Example overcomes the proxy payment by bank manner insufficient to provide a safe and convenient means of bank payment agent of the present invention. 主要效果和优点如下: Main effects and advantages are as follows:

1、银行代理缴费通过手机进行,目前的手机普及程度相当高,而且手机随身携带,随时可以使用,使用手机进行缴费要比使用互联网缴费要方便得多,特别是在进行小额缴费方面具有很大的价值。 1, the agent bank to pay by mobile phone, current mobile phone penetration is very high, and carry a cell phone, ready to be used, the use of mobile phone than pay to use the Internet to pay much more convenient, especially during the payment terms have a very small great value. 比如:用户可以使用手机缴纳水费、电话费,可以给手机冲值,给商场购物卡冲值等。 For example: You can use mobile phones to pay water bills, phone bills, the phone can give Delta, Delta and so on to the shopping card. 例如:用户在商场购物时,可以在选购商品或排队时,通过手机缴费将资金转到该商场的购物卡上,买单时便可使用购物卡进行支付。 For example: the user when shopping, you can line up in the purchase of goods or by phone pay the funds to the mall shopping card, you can use the shopping card to pay their bill.

2、手机短信在传输过程中没有进行数据加密处理,存在一定的安全性问题。 2, SMS data is not encrypted during transmission, there are some security issues. 本发明中通过对手机号码进行注册处理,将缴费银行账户与手机号码进行绑定,大大提高了缴费的安全性,可以满足小额代理缴费的安全性要求。 The present invention carried out by mobile phone number registration process, the payment bank account and mobile phone number to bind, greatly improving the security of payment, the agency can meet the security requirements of small contributions.

上述实施例仅用于说明本发明,而非用于限定本发明。 The above-described embodiments of the present invention is illustrative only, not intended to limit the present invention.

Claims (10)

1.一种基于手机银行的手机缴费方法,其特征是,所述方法包括:将缴费人的手机号和银行卡数据存储于所述的手机银行;将收费人信息存储于所述的手机银行;缴费人手机向手机银行发送缴费请求短信;所述的手机银行对接收的缴费请求短信进行处理,并向缴费人手机发送缴费确认短信;缴费人手机对所述的缴费确认短信接收,并向所述的手机银行发送包含缴费人银行卡数据的确认回复短信;所述的手机银行对所述的确认回复短信进行接收,并对所述缴费人的银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 A phone based mobile banking payment method, wherein the method comprises: the payer's mobile banking and phone number stored in the bank card data; and the charge stored in the personal information of mobile banking ; payers pay phone to send a request message to the mobile banking; mobile banking according to the received payment request message is processed, and sends a payment confirmation message phone payer; payers pay phone receiving the acknowledgment message, and the phone bank sends an acknowledgment payer bank card data reply message; after the mobile banking confirmation of the reply message is received, and the payer's bank card data, check, check is successful, transfer payment amount from the payer's account bank card to charge.
2.根据权利要求1所述的方法,其特征是,所述方法还包括:所述的手机银行将缴费金额从用户银行卡转帐到收费人帐户后,向所述的收费人手机发送缴费结果短信,并向所述的收费人发送缴费结果信息。 2. The method according to claim 1, characterized in that, said method further comprising: after the mobile banking will pay the amount of transfer charge from the user's account to a bank card, payment sending result to the person charging the phone SMS, and sends the payment information of the result of charging people.
3.根据权利要求1所述的方法,其特征是,所述确认回复短信中包含的用户银行卡数据为缴费人银行卡密码。 3. The method according to claim 1, characterized in that the user card confirmation data contained in the reply message to payer bank card password.
4.根据权利要求1所述的方法,其特征是,所述的收费人信息包括:缴费单号、商户名、商户号、缴费项目、缴费金额以及支付币种。 4. The method according to claim 1, wherein said charge information comprises a person: a bill for number, merchant name, merchant number, bill payments, payment amount, and payment currency.
5.一种基于手机银行的手机缴费系统,其特征是,所述系统包括:手机、手机银行平台和收费人业务平台;所述的手机通过无线网络与所述的手机银行平台相联接,所述的收费人业务平台通过专网与所述的手机银行平台相联接;其中,所述的手机银行平台存储有缴费人手机号、缴费人银行卡数据和收费人信息;所述的手机向手机银行平台发送缴费请求短信;所述的手机银行平台对接收的缴费请求短信进行处理,并向所述的手机发送缴费确认短信;所述的手机对所述的缴费确认短信进行接收,并向所述的手机银行平台发送包含用户银行卡数据的确认回复短信;所述的手机银行平台对所述的确认回复短信进行接收,并对所述的缴费人银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 A mobile payment based on mobile banking system, characterized in that, the system comprising: a mobile phone, internet and mobile banking service platform charges al; the mobile phone via a wireless network and the mobile banking platform coupled, the charging said internet service person over the private network and the mobile banking platform coupled; wherein said mobile platform is stored payers bank phone number, payment's bank card data and personal information charges; the phone to phone Bank platform sends a payment request message; mobile banking platform according to the received payment request message for processing, transmitting to said mobile payment confirmation message; the mobile payment confirmation message to the reception, and the said acknowledgment comprises transmitting mobile internet banking card user data reply message; mobile banking after the confirmation of the platform receiving the reply message, the payer and the bank card data collated, the collation is successful, transfer payment amount from the payer's account bank card to charge.
6.根据权利要求5所述的系统,其特征是,所述手机银行平台还包括:缴费结果信息发送单元,用于向所述的手机发送缴费结果短信,并向所述的收费人业务平台发送支付结果信息。 6. The system according to claim 5, characterized in that, the mobile banking platform further comprises: payment result information transmitting unit for transmitting the results of payment to the mobile phone text message, to the human toll service platform send payment result information.
7.根据权利要求5所述的系统,其特征是,所述确认回复短信中包含的缴费人银行卡数据为缴费人银行卡密码。 7. The system according to claim 5, characterized in that the acknowledgment payer bank card data contained in the reply message for the payer bank card password.
8.根据权利要求5所述的系统,其特征是,所述的收费人信息包括:缴费单号、商户名、商户号、缴费项目、缴费金额以及支付币种。 8. The system according to claim 5, wherein said charge information comprises a person: a bill for number, merchant name, merchant number, bill payments, payment amount, and payment currency.
9.根据权利要求5所述的系统,其特征是,所述的手机银行平台包括:数据存储单元,用于存储缴费人手机号、缴费人银行卡数据和收费人信息;专网通信接口,用于向所述的收费人业务平台发送缴费结果信息;短信收发单元,用于向所述的手机发送缴费确认短信,并对所述的缴费请求短信和确认回复短信进行接收;数据处理单元,对接收的短信进行处理,并对所述的缴费人银行卡数据进行核对,核对成功后,将缴费金额从缴费人银行卡转帐到收费人帐户。 9. The system according to claim 5, characterized in that said mobile banking platform comprising: a data storage unit for storing a phone number payers, payer bank charge card and personal information data; private network communication interfaces, results for transmitting payment information to the person charged service platform; messaging unit, configured to send a payment confirmation message to the mobile phone, said payment request and acknowledgment messages and receive the reply message; data processing unit, payer bank card data for processing the received message, and the check is performed, after a successful check, the payment amount will transfer from the payer's account bank card to charge.
10.根据权利要求5所述的系统,其特征是,所述的手机银行平台中还包括:缴费种类设定单元,用于设定缴费指令。 10. The system according to claim 5, characterized in that said mobile banking platforms further comprises: payment type setting unit for setting a payment instruction.
CNA2007101176523A 2007-06-20 2007-06-20 Mobile phone fee payment method and system based on mobile phone bank CN101071492A (en)

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CN101990772A (en) * 2008-04-02 2011-03-23 环球1企业公司 Transaction server configured to authorize payment transactions using mobile telephone devices
CN102164202A (en) * 2010-02-22 2011-08-24 上海博路信息技术有限公司 Home bill payment method of scanning bar code with mobile phone
CN103903129A (en) * 2012-12-28 2014-07-02 北京握奇数据系统有限公司 Remitting system and remitting method realized based on text message mode
CN104036393A (en) * 2014-06-28 2014-09-10 李佳丽 Intelligent automatic fingerprint payment system
CN104123638A (en) * 2014-07-18 2014-10-29 重庆市博恩科技(集团)有限公司 Convenient short message payment system and method
WO2016108783A1 (en) 2014-12-31 2016-07-07 Turkcell Teknoloji Arastirma Ve Gelistirme A. S. A payment system and method
WO2016115758A1 (en) * 2015-01-23 2016-07-28 中兴通讯股份有限公司 Utility payment method and device
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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101990772A (en) * 2008-04-02 2011-03-23 环球1企业公司 Transaction server configured to authorize payment transactions using mobile telephone devices
CN102164202A (en) * 2010-02-22 2011-08-24 上海博路信息技术有限公司 Home bill payment method of scanning bar code with mobile phone
CN103903129A (en) * 2012-12-28 2014-07-02 北京握奇数据系统有限公司 Remitting system and remitting method realized based on text message mode
CN103903129B (en) * 2012-12-28 2017-11-24 北京握奇数据系统有限公司 Transfer A transfer system and method for SMS-based implementation
CN104036393A (en) * 2014-06-28 2014-09-10 李佳丽 Intelligent automatic fingerprint payment system
CN104123638A (en) * 2014-07-18 2014-10-29 重庆市博恩科技(集团)有限公司 Convenient short message payment system and method
WO2016108783A1 (en) 2014-12-31 2016-07-07 Turkcell Teknoloji Arastirma Ve Gelistirme A. S. A payment system and method
WO2016115758A1 (en) * 2015-01-23 2016-07-28 中兴通讯股份有限公司 Utility payment method and device
WO2018177321A1 (en) * 2017-03-30 2018-10-04 腾讯科技(深圳)有限公司 Agent-recharging method, computer device and storage medium

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