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 PDFInfo
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- 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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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
Technical field
The present invention particularly about the application of mobile communication technology in Mobile banking, is a kind of mobile phone fee payment method and system based on Mobile banking about mobile communication technology concretely.
Background technology
Along with the fast development of financial business, need the various expenses paid in the people life, now generally pay by the agency of bank.Pay the fees by bank, not only once can pay multiple expense, and pay the fees by the mode of transferring accounts of bank and also to have avoided the various troubles of utilizing cash to pay the fees.The mode of paying the fees by the agency of bank mainly is to handle or handle by Web bank to bank's cabinet face at present.Handle to bank counter and to pay the fees, need expend a lot of times of user, and because work, the user is often not free to go to bank to pay the fees.Pay the fees by Web bank, then brought very big convenience to the user really, but because last internet can only could use in the place that network is arranged, do not possess the online condition, be inconvenient to surf the Net or can not surf the Net the time, can't use online payment to pay the fees the user.
On the other hand, because the Internet is disclosed technology, be easy under attackly, must adopt various technique guarantee safety in the on-line payment process, such as the encryption of the escape way between isolation, client and server safely of bank's end, the virus of client, wooden horse protection etc.Aspect authenticated client, widely used static password authentication mode, it is dangerous more and more to seem, and the stolen phenomenon of clients fund takes place repeatedly.In order to improve the security of online payment, the safety product that present Web bank offers client's use has digital certificate (such as smart card, USB key), dynamic cipher device etc., but these equipment costs are all very high, non-high-end customer for bank (refers to not be often use Web bank's payment, the perhaps general little user of payment), digital certificate or the dynamic cipher device equipment of buying bank seem very expensive, or perhaps safety cost is too high.Therefore, the small amount that presses for the low safety of a kind of not only safety but also the cost on-line payment means of paying the fees offer non-high-end customer and use.
Summary of the invention
The invention provides a kind of mobile phone fee payment method and system, be used to solve the problem that online online small amount is paid the fees, provide safe, low-cost on-line payment means based on Mobile banking.
Technical scheme of the present invention is:
A kind of mobile phone fee payment method based on Mobile banking, described method comprises: the cell-phone number and the bank card data of payer are stored in described Mobile banking; With toll collector's information stores in described Mobile banking; The payer mobile phone sends the request note of paying the fees to Mobile banking; Described Mobile banking handles the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to the payer mobile phone; The payer mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises the payer bank card data to described Mobile banking; Described Mobile banking receives described affirmation answer short message, and the bank card data of described payer is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
A kind of mobile telephone charging system based on Mobile banking, described system comprises: mobile phone, Mobile banking's platform and toll collector's business platform; Described mobile phone links by wireless network and described Mobile banking platform, and described toll collector's business platform links by private network and described Mobile banking platform; Wherein, described Mobile banking platform stores payer cell-phone number, payer bank card data and toll collector's information; Described mobile phone sends the request note of paying the fees to Mobile banking's platform; Described Mobile banking platform is handled the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to described mobile phone; Described mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises user's bank card data to described Mobile banking platform; Described Mobile banking platform receives described affirmation answer short message, and described payer bank card data is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
The present invention has overcome at present by bank and has acted on behalf of deficiency in the pay charge way, and a kind of agency of bank of safe and convenient is provided pay the fees means.Main effect of the present invention and advantage are as follows: 1) agency of bank pays the fees and is undertaken by mobile phone, present mobile phone popularity is quite high, and portable mobile phone carries, at any time can use, use mobile phone to pay the fees and pay the fees to make things convenient for manyly, particularly have very big value aspect paying the fees carrying out small amount than internet usage.Such as: the user can use mobile phone to pay water rate, telephone charge, can dash value to mobile phone, gives market shopping Ka Chong value etc.For example: the user can be in the free choice of goods or when queuing when market shopping, and paying the fees by mobile phone forwards fund on the purchase card in this market to, just can use purchase card to pay when checking.2) SMS is not carried out the data encryption processing in transmission course, has certain safety issue.By phone number is carried out location registration process, the bank account of will paying the fees and phone number are bound among the present invention, have improved the security of paying the fees greatly, can satisfy the security requirement that the small amount agency pays the fees.
Description of drawings
Fig. 1 is the system architecture diagram of the embodiment of the invention.
Fig. 2 is an embodiment of the invention system connection diagram.
Fig. 3 is the structured flowchart of embodiment of the invention Mobile banking platform.
Fig. 4 is the structured flowchart of data storage cell in the embodiment of the invention Mobile banking platform.
Fig. 5 is the structured flowchart of data processing unit in the embodiment of the invention Mobile banking platform.
Fig. 6 is an embodiment of the invention method flow diagram.
Embodiment
The embodiment of the invention provides a kind of mobile small amount to act on behalf of fare payment system, provides the mobile of a kind of safe ready to pay the fees and method of payment.The user arrives first bank's registering mobile phone and acts on behalf of fee payment service, when needs are paid the fees, use the mobile phone editor note of paying the fees to issue (containing the instruction of paying the fees) Mobile banking of bank, Mobile banking resolves user's note, check whether this cell-phone number has registered mobile banking service, if registered then search the related description of the instruction of paying the fees that the user sends, send to user's mobile phone by note.Whether user's cross-check information is correct, replys to Mobile banking in the stipulated time, if the user confirms to pay the fees, then replys payment cipher and gives Mobile banking, pays the fees then answering mobile phone bank cancellation instruction or do not reply if the user will cancel.If Mobile banking does not receive user's answer at the appointed time, perhaps receive user's cancellation instruction, then end to pay the fees processing.If receive user's payment cipher, then Mobile banking's password that the password received and user are reserved compares, if password correctly then paying process is finished in the accounting processing of paying the fees.
Comprise in the system as described in Figure 1: mobile phone, Mobile banking's platform and toll collector's business platform; Described mobile phone links by wireless network and described Mobile banking platform, and described toll collector's business platform links by private network and described Mobile banking platform; Wherein, described Mobile banking platform stores payer cell-phone number, payer bank card data and toll collector's information; Described mobile phone sends the request note of paying the fees to Mobile banking's platform; Described Mobile banking platform is handled the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to described mobile phone; Described mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises user's bank card data to described Mobile banking platform; Described Mobile banking platform receives described affirmation answer short message, and described payer bank card data is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
Among the embodiment as shown in Figure 2: act on behalf of the fare payment system structural drawing for mobile small amount, comprise cell phone bank system 2, billing unit system 3, short message network 4, mobile phone terminal 1 as toll collector's business platform as Mobile banking's platform.Cell phone bank system 2 provides information handling system by the SMS transacting business for bank for the user, in the cell phone bank system the different kinds of paying the fees is set the different instructions of paying the fees, and is DHF such as telephone charge, and cell-phone fee is SJF, and water rate is SF etc.Billing unit system 3 is meant that authorized bank acts on behalf of the infosystem of billing unit, is generally the receipt side that the small amount agency pays the fees, such as telecom operators, power supply administration, Running-water Company, superstore etc.Feature is: the key word that billing unit (by the unit of agency) provides a number that is used to identify its commodity to pay the fees as the agency for the user, so that billing unit judges whom the user that pays the fees is, when paying the fees such as the telecom charges agency, can be with telephone number or phone number as agency's key word of paying the fees, so that telecommunications company differentiates whom the telephone subscriber who pays the fees is.Running-water Company can subscriber card numbering as agency's key word of paying the fees, department store can the purchase card card number as agency's key word of paying the fees, or the like.Mobile phone terminal 1 is generally the regular handset that can receive and dispatch note, also can be the miscellaneous equipment that can receive and dispatch note.The SMS communication network that short message network 4 provides for wireless telecommunications operator is such as the Online Unicom of CHINAUNICOM, mobile dream network's note net of commmunication company etc.
Be illustrated in figure 3 as the cell phone bank system structural drawing, comprise data storage device 11, data processing equipment 12 and short message receiving-transmitting device 13.The data message of data storage device 11 memory mobile phone banks can be a data base management system, also can be a file system, or other has the data storage cell of identical function.Data processing equipment 12 is for providing the treating apparatus of Mobile banking's service.Short message receiving-transmitting device 13 is a Short Message Service Gateway, is a commercial product program, is responsible for the transmitting-receiving of note and handles.Short message receiving-transmitting device 13 connects short message network, and available is to be connected with wireless telecommunications operator by private line network, uses the note processing platform systems exchange data of TCP/IP communications protocol and wireless telecommunications operator.Data processing equipment 12 can call by Api (application data interface) with short message receiving-transmitting device 13, and modes such as TCP/IP communications protocol connect.
Be illustrated in figure 4 as the data storage device structural drawing, comprise built-in accounts information storage unit 21, Mobile banking's log-on message storage unit 22 and act on behalf of fee payment service information memory cell 23.Built-in account unit 21 storage users' accounts information comprises number of the account, name in an account book, account password, Currency Type, remaining sum at least.The information of log-on message storage unit 22 storing user's registered Mobile bankings of Mobile banking comprises number of the account, Mobile banking's password, phone number at least.Mobile banking's password is the password that uses separately at Mobile banking's channel, be different from the password that its cabinet face uses, cabinet face password is the password that the user uses during to bank's cabinet face or by ATM (ATM (Automatic Teller Machine)) transacting business, and the password that Mobile banking's password is the user to be used when passing through the cell phone bank system transacting business.Act on behalf of fee payment service information memory cell 23 storage agent fee payment service information, at least comprise service code, Business Name, instruction code, billing unit numbering, billing unit title, act on behalf of pay the fees key word, the amount of money etc. of paying the fees, acting on behalf of the key word of paying the fees can be telephone number, subscriber card numbering, department store's shopping card number etc., be user's the identify label of paying the fees, the enterprise that is used to charge judges it is the expense which user pays.
Be illustrated in figure 5 as the data processing equipment structural drawing, comprise Main Processor Unit 30, user registration process unit 31, user authentication process unit 32, note resolution unit 33, note generation unit 34, the accounting processing unit 35 of paying the fees, billing unit notification unit 36.
Main Processor Unit 30 is the main control units in the data processing equipment 11, and in the responsible coordination data treating apparatus 11 work together in the unit.When the user carries out Mobile banking's registration to bank's cabinet face, Main Processor Unit 30 invoke user location registration process unit 31, the information stores of the user being registered Mobile banking is in mobile phone bank log-on message storage unit 22, and call note generation unit 34 generation registration SMS Tips, send to mobile phone terminal 1 by short message receiving-transmitting device 13.Short message receiving-transmitting device 13 receives that mobile phone terminal 1 sends when paying the fees note, is given to data processing equipment 12 and handles.Main Processor Unit 30 calls note resolution unit 33 earlier and carries out dissection process, invoke user authentication processing unit 32 checks whether the user registers Mobile banking again, call note generation unit 34 then and generate the SMS Tip to be confirmed that sends to the user, send to mobile phone terminal 1 by short message receiving-transmitting device 13.After receiving that the user confirms note, Main Processor Unit 30 calls note resolution unit 33 earlier and carries out dissection process, whether invoke user authentication processing unit 32 password checks are correct again, call the accounting processing unit 35 of the paying the fees accounting processing of paying the fees then, then call billing unit notification unit 36 subscriber payment information is issued billing unit system 3, call note generation unit 34 at last and generate the note as a result of paying the fees, send to mobile phone terminal 1 by short message receiving-transmitting device 13.
User registration process unit 31 is responsible for receiving user's register requirement, finishes Mobile banking's location registration process.The user carries out Mobile banking registration to bank's cabinet face, registration medium bank card or current account, and binding phone number, and this bank card or current account will use professional employed numbers of the account such as Mobile banking pays the fees, transfers accounts, payment as later user.Log-on message is imported by bank cashier, and log-on message comprises number of the account (bank card number or current account number of the account), phone number, Mobile banking's password at least.Mobile banking's password is the password that uses separately at Mobile banking's channel, be different from the password that its cabinet face uses, cabinet face password is the password that the user uses during to bank's cabinet face or by ATM (ATM (Automatic Teller Machine)) transacting business, and the password that Mobile banking's password is the user to be used when passing through the cell phone bank system transacting business.User registration process unit 31 is by the Mobile banking's log-on message storage unit 22 in 11 in the visit data memory storage, and the information stores of the user being registered Mobile banking is in mobile phone bank log-on message storage unit 22.
User authentication process unit 32 is responsible for the user is authenticated, and checks whether the user registers Mobile banking, and whether the password of inputing when checking subscriber payment is consistent with the Mobile banking password.Check when whether the user registers Mobile banking, user authentication process unit 32 is according to the pay the fees phone number of note of transmission, by the Mobile banking's log-on message storage unit 22 in the visit data memory storage 11, inquire about this phone number and whether registered Mobile banking's service.During the password inputed when checking subscriber payment, Mobile banking's log-on message storage unit 22 in the user authentication process unit 32 visit data memory storages 11, the password that the acquisition user reserves when registering mobile phone Mobile banking compares this password and the password that appeal mobile phone terminal 1 sends.
Note receives and resolution unit 33, be responsible for receiving notes such as payment that mobile phone terminals 1 send, affirmation from short message receiving-transmitting device 13, check whether messaging format is correct, and short message content is resolved, parse information such as the instruction of paying the fees wherein, the key word of paying the fees, the amount of money of paying the fees, password.
Note generation unit 34 generates the various notes that send to mobile phone terminal 1 according to short message content (explanation of for example paying the fees, the amount of money of paying the fees, result etc. pays the fees), as Mobile banking's registering result note, the SMS Tip to be confirmed of paying the fees, the note of paying the fees as a result etc.
The accounting processing unit 35 of paying the fees, the processing of being responsible for paying the fees of transferring accounts.Pay the fees accounting processing unit 35 according to paying the fees the amount of money, visit accounts information storage unit 21, in registering the account of Mobile banking, the user reduces the amount of money of paying the fees, with the account balance increase of the billing unit amount of money number of paying the fees, access agent fee payment service information memory cell 23 simultaneously, this pen paid the fees to handle to be registered in act on behalf of in the fee payment service information memory cell 23, register information contains service code, Business Name, instruction code, billing unit numbering, billing unit title at least, acts on behalf of pay the fees key word, the amount of money etc. of paying the fees.
Billing unit notification unit 36 is responsible for subscriber payment information is notified to billing unit system 3, so that billing unit system 3 makes corresponding payment process.The information of paying the fees that sends to billing unit contains the key word of paying the fees at least, the amount of money of paying the fees.For example: the user has handed over telephone charge, and the information that then sends to billing unit system 3 contains the telephone number of paying the fees, the amount of money of paying the fees.
Be illustrated in figure 6 as a kind of mobile small amount and act on behalf of fee payment method, it is as follows to comprise step:
Step 100: the user carries out Mobile banking's registration to bank's cabinet face, registration medium bank card or current account, and the binding phone number, this bank card or current account will use professional employed numbers of the account such as Mobile banking pays the fees, transfers accounts, payment as later user.Log-on message is imported by bank cashier, and log-on message comprises number of the account (bank card number or current account number of the account), phone number, Mobile banking's password at least.Mobile banking's password is the password that uses separately at Mobile banking's channel, be different from the password that its cabinet face uses, cabinet face password is the password that the user uses during to bank's cabinet face or by ATM (ATM (Automatic Teller Machine)) transacting business, and the password that Mobile banking's password is the user to be used when passing through the cell phone bank system transacting business.User registration process unit 31 in the cell phone bank system 2 is by the Mobile banking's log-on message storage unit 22 in 11 in the visit data memory storage, and the information stores of the user being registered Mobile banking is in mobile phone bank log-on message storage unit 22.
When registration Mobile banking, bank cashier need be checked the user identity certificate, the user shows proof of identification original paper (resident identification card, officer's identity card etc.), and whether bank cashier is checked the proof of identification information that proof of identification and this bank card or pass-book reserve when opening an account consistent.
Step 101: cell phone bank system 2 is registered Mobile banking's object information with the user and is sent on the user mobile phone by the note form.Main Processor Unit 30 in the cell phone bank system 2 calls note generation unit 34 and generates the registration SMS Tip, short message content is such as being: " you register Mobile banking's success; Mobile banking's service number is XXXX; when using Mobile banking, please will contain payment or the note of the instruction of paying the fees sends to this Mobile banking's service number.XX bank." particular content of registering result SMS Tip then can determine according to concrete needs.Main Processor Unit 30 sends the SMS Tip that generates by short message receiving-transmitting device 13, short message receiving-transmitting device 13 sends to note on the mobile phone terminal 1 of above-mentioned user's use by short message network.
Step 102: mobile phone terminal 1 receives the registering result SMS Tip, and shows the content of this SMS Tip on mobile phone terminal 1 display screen.
Step 103: when the user uses Mobile banking to pay the fees at needs, use mobile phone terminal 1 to edit the note of paying the fees, the note of paying the fees content at least is: the instruction of paying the fees, the key word of paying the fees, the amount of money of paying the fees.The instruction of paying the fees is used to indicate the classification of paying the fees, as the telephone charge of telecom operators, the water rate of Running-water Company etc.For example telephone charge is DHF, and cell-phone fee is SJF, and water rate is SF etc.The key word of paying the fees is used to identify the user who pays the fees, so that billing unit judges whom the user that pays the fees is.For example: when telecom charges agencies pays the fees, can be with telephone number or phone number as agency's key word of paying the fees, Running-water Company can the subscriber card numbering as agency's key word of paying the fees, department store can the purchase card card number as agency's key word of paying the fees, or the like.The expense volume that the amount of money of paying the fees need be paid for the user.Mobile phone terminal 1 sends to the service number of cell phone bank system by short message network 4 note of will paying the fees.
Step 104: the short message receiving-transmitting device 13 in the cell phone bank system 2 receives the note of paying the fees that mobile phone terminal 1 sends, and is given to data processing equipment 12 and handles.Main Processor Unit 30 in the data processing equipment 12 calls note resolution unit 33 and carries out dissection process.Note resolution unit 33 is carried out format checking to note earlier, resolves short message content again, according to the classification of the definite subscriber payment of instruction of paying the fees in the note, as the telephone charge of telecom operators, the water rate of Running-water Company etc.
Step 105: Main Processor Unit 30 invoke user authentication processing unit 32 check whether the user registers Mobile banking.User authentication process unit 32, is inquired about this phone number and whether has been registered Mobile banking's service by the Mobile banking's log-on message storage unit 22 in the visit data memory storage 11 according to the pay the fees phone number of note of transmission.If the service of the unregistered Mobile banking of this phone number then stops paying the fees processing.If this phone number has been registered Mobile banking's service, then proceed the processing of paying the fees.
Step 106: Main Processor Unit 30 calls note generation unit 34 and generates the SMS Tip to be confirmed that sends to the user.SMS Tip to be confirmed comprises the explanation of user's paying at least, the key word of paying the fees, the amount of money of paying the fees.For example the content of SMS Tip to be confirmed is: " expense that you prepare to pay is the telephone charge (charge description) of telecommunications company, and the telephone number of paying the fees is xxxxxxx (key word), and the amount of money of paying the fees is: xxxx (amount of money of paying the fees).If confirm to pay the fees R. S. V. P. Mobile banking password.If stop paying the fees then replying qx ".The SMS Tip to be confirmed that Main Processor Unit 30 will generate sends by short message receiving-transmitting device 13, and short message receiving-transmitting device 13 sends to note on the mobile phone terminal 1 of above-mentioned user's use by short message network.
Step 107: mobile phone terminal 1 receives SMS Tip to be confirmed, and shows the content of this note on mobile phone terminal 1 display screen.
Step 108: the user confirms the information of paying the fees, by mobile phone terminal 1 input validation information (instruction that Mobile banking's password or cancellation are paid the fees), the instruction that mobile phone terminal 1 is paid the fees Mobile banking's password or cancellation sends to the service number of cell phone bank system by short message network 4.
Step 109: the short message receiving-transmitting device 13 in the cell phone bank system 2 receives the affirmation note that mobile phone terminal 1 sends, and is given to data processing equipment 12 and handles.Main Processor Unit 30 in the data processing equipment 12 calls note resolution unit 33 and carries out dissection process.Note resolution unit 33 is carried out format checking to note earlier, resolves short message content again.If short message content is the instruction of cancellation payment, then stop paying the fees processing.
Step 110: Main Processor Unit 30 invoke user authentication processing unit 32 carry out cryptographic check in the data processing equipment 12.Mobile banking's log-on message storage unit 22 in the user authentication process unit 32 visit data memory storages 11, the password that the acquisition user reserves when registering mobile phone Mobile banking compares this password and the password that appeal mobile phone terminal 1 sends.If unanimity then authentication success, the processing of proceeding to pay the fees.If inconsistent then authentification failure stops paying the fees processing.
Step 111: Main Processor Unit 30 calls the accounting processing unit 35 of the paying the fees accounting processing of paying the fees in the data processing equipment 12.Pay the fees accounting processing unit 35 according to paying the fees the amount of money, visit accounts information storage unit 21, in registering the account of Mobile banking, the user reduces the amount of money of paying the fees, with the account balance increase of the billing unit amount of money number of paying the fees, access agent fee payment service information memory cell 23 simultaneously, this pen paid the fees to handle to be registered in act on behalf of in the fee payment service information memory cell 23, register information contains service code, Business Name, instruction code, billing unit numbering, billing unit title at least, acts on behalf of pay the fees key word, the amount of money etc. of paying the fees.
Step 112: Main Processor Unit 30 calls billing unit notification unit 36 and carries out notifier processes in the data processing equipment 12.Billing unit notification unit 36 sends to billing unit system 3 with subscriber payment information, so that billing unit system 3 handles accordingly, the information of paying the fees that sends to billing unit contains the key word of paying the fees at least, the amount of money of paying the fees.For example: the user has handed over telephone charge, and the information that then sends to billing unit system 3 contains the telephone number of paying the fees, the amount of money of paying the fees.
Step 113: billing unit system 3 finds the user who pays the fees according to the telephone number of paying the fees, and carries out payment process according to the amount of money of paying the fees.
Step 114: cell phone bank system 2 object information of will paying the fees sends on the user mobile phone by the note form.Main Processor Unit 30 in the data processing equipment 12 calls note generation unit 34 and generates the note as a result of paying the fees, Main Processor Unit 30 sends the SMS Tip that generates by short message receiving-transmitting device 13, short message receiving-transmitting device 13 sends to note on the mobile phone terminal 1 of above-mentioned user's use by short message network.
Step 115: mobile phone terminal 1 receives the note as a result of waiting to pay the fees, and shows the content of this note on mobile phone terminal 1 display screen.
The embodiment of the invention has overcome at present by bank acts on behalf of deficiency in the pay charge way, and a kind of agency of bank of safe and convenient is provided pay the fees means.Main effect and advantage are as follows:
1, the agency of bank pays the fees and is undertaken by mobile phone, present mobile phone popularity is quite high, and portable mobile phone carries, and can use at any time, use mobile phone to pay the fees and pay the fees to make things convenient for manyly, particularly have very big value aspect paying the fees carrying out small amount than internet usage.Such as: the user can use mobile phone to pay water rate, telephone charge, can dash value to mobile phone, gives market shopping Ka Chong value etc.For example: the user can be in the free choice of goods or when queuing when market shopping, and paying the fees by mobile phone forwards fund on the purchase card in this market to, just can use purchase card to pay when checking.
2, SMS is not carried out the data encryption processing in transmission course, has certain safety issue.By phone number is carried out location registration process, the bank account of will paying the fees and phone number are bound among the present invention, have improved the security of paying the fees greatly, can satisfy the security requirement that the small amount agency pays the fees.
The foregoing description only is used to illustrate the present invention, but not is used to limit the present invention.
Claims (10)
1. mobile phone fee payment method based on Mobile banking is characterized in that described method comprises:
The cell-phone number and the bank card data of payer are stored in described Mobile banking;
With toll collector's information stores in described Mobile banking;
The payer mobile phone sends the request note of paying the fees to Mobile banking;
Described Mobile banking handles the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to the payer mobile phone;
The payer mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises the payer bank card data to described Mobile banking;
Described Mobile banking receives described affirmation answer short message, and the bank card data of described payer is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
2. method according to claim 1, it is characterized in that, described method also comprises: described Mobile banking will pay the fees after the amount of money transfers into toll collector account from user's bank card, send the note as a result of paying the fees to described toll collector's mobile phone, and send the object information of paying the fees to described toll collector.
3. method according to claim 1 is characterized in that, the user's bank card data that comprises in the described affirmation answer short message is the payer bank card password.
4. method according to claim 1 is characterized in that, described toll collector's information comprises: the odd numbers of paying the fees, trade company's name, trade company number, the project of paying the fees, the pay the fees amount of money and payment Currency Type.
5. the mobile telephone charging system based on Mobile banking is characterized in that, described system comprises: mobile phone, Mobile banking's platform and toll collector's business platform;
Described mobile phone links by wireless network and described Mobile banking platform, and described toll collector's business platform links by private network and described Mobile banking platform; Wherein,
Described Mobile banking platform stores payer cell-phone number, payer bank card data and toll collector's information;
Described mobile phone sends the request note of paying the fees to Mobile banking's platform;
Described Mobile banking platform is handled the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to described mobile phone;
Described mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises user's bank card data to described Mobile banking platform;
Described Mobile banking platform receives described affirmation answer short message, and described payer bank card data is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
6. system according to claim 5 is characterized in that, described Mobile banking platform also comprises: the object information transmitting element of paying the fees is used for sending the note as a result of paying the fees to described mobile phone, and sends payment result information to described toll collector's business platform.
7. system according to claim 5 is characterized in that, the payer bank card data that comprises in the described affirmation answer short message is the payer bank card password.
8. system according to claim 5 is characterized in that, described toll collector's information comprises: the odd numbers of paying the fees, trade company's name, trade company number, the project of paying the fees, the pay the fees amount of money and payment Currency Type.
9. system according to claim 5 is characterized in that, described Mobile banking platform comprises:
Data storage cell is used to store payer cell-phone number, payer bank card data and toll collector's information;
The private network communication interface is used for sending the object information of paying the fees to described toll collector's business platform;
The short message receiving-transmitting unit is used for sending the affirmation note of paying the fees to described mobile phone, and the described request note of paying the fees is received with the affirmation answer short message;
Data processing unit is handled the note that receives, and described payer bank card data is checked, check successfully after, the amount of money of will paying the fees transfers into toll collector account from the payer bank card.
10. system according to claim 5 is characterized in that, also comprises in the described Mobile banking platform: the kind of paying the fees setup unit is used for setting the instruction of paying the fees.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101176523A CN101071492A (en) | 2007-06-20 | 2007-06-20 | Mobile phone fee payment method and system based on mobile phone bank |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101176523A CN101071492A (en) | 2007-06-20 | 2007-06-20 | Mobile phone fee payment method and system based on mobile phone bank |
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| CN101071492A true CN101071492A (en) | 2007-11-14 |
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| CNA2007101176523A Pending CN101071492A (en) | 2007-06-20 | 2007-06-20 | Mobile phone fee payment method and system based on mobile phone bank |
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| CN (1) | CN101071492A (en) |
Cited By (10)
| 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 |
| 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 |
| CN105354739A (en) * | 2015-12-14 | 2016-02-24 | 北京京东尚科信息技术有限公司 | Method and device for generating order |
| 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 |
| CN111429092A (en) * | 2020-03-19 | 2020-07-17 | 中国建设银行股份有限公司 | Method, device and equipment for paying public accumulation fund and computer readable medium |
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2007
- 2007-06-20 CN CNA2007101176523A patent/CN101071492A/en active Pending
Cited By (12)
| 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 | A kind of funds transfer system realized based on short message mode and method |
| 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 |
| CN105354739A (en) * | 2015-12-14 | 2016-02-24 | 北京京东尚科信息技术有限公司 | Method and device for generating order |
| 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 |
| CN111429092A (en) * | 2020-03-19 | 2020-07-17 | 中国建设银行股份有限公司 | Method, device and equipment for paying public accumulation fund and computer readable medium |
| CN111429092B (en) * | 2020-03-19 | 2023-06-16 | 中国建设银行股份有限公司 | Method, apparatus, device and computer readable medium for paying an accumulation fund |
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Application publication date: 20071114 |