CN101149825A - Electronic charging signal transmission treatment method and electronic payment system - Google Patents
Electronic charging signal transmission treatment method and electronic payment system Download PDFInfo
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- CN101149825A CN101149825A CNA2006101222796A CN200610122279A CN101149825A CN 101149825 A CN101149825 A CN 101149825A CN A2006101222796 A CNA2006101222796 A CN A2006101222796A CN 200610122279 A CN200610122279 A CN 200610122279A CN 101149825 A CN101149825 A CN 101149825A
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Abstract
The method for transmitting and processing electronic charge signals is used in an electronic charge system which comprises a second device, capable of communicating with a first device of payment part and a third device of payee part, and a fourth device of at least one settlement part and capable of communicating with the second device. The invention adopts modes of preprocessing, checking and referring to make consumer just input simple information each time so that the data quantity is less, operation is easy and fast. Otherwise, replay trade or infringement use can be immediately discovered by payment part as the payee part can not collect and store personnel data of the payment part even if it has got personnel password of the payment part and it further can not get the communication terminal of the payment part.
Description
Technical field
The present invention relates to method for transmitting signals and system, be specifically related to a kind of method for transmission processing and electronic fare payment system of electronic charging signal.
Background technology
Pay by mails is a key areas of e-finance always, along with network and development communication technologies, for this field provides better technical support, some have occurred and supportingly with it can be fit to the safer faster mode of electronic cash more easily.For example, Patent Office of the People's Republic of China is in disclosed No. 02158750.7 patent on September 24th, 2003, its name is called " not using bank card or bankbook to finish the system and method for bank transaction ", this invention has disclosed, set up bank's authoring system, receive the order of client requests bank transaction by this system, give valid instruction assigns authorized number and feed back on this client terminal; On banking terminal, import the Transaction Information that comprises grant number by the client again, after banking system receives above-mentioned Transaction Information, finish transaction; Whole process relates to four processes, the one, the client, the 2nd, bank's authoring system, the 3rd, banking system, the 4th, banking terminal, wherein, except client terminal, its excess-three link all belongs to banking system or directly is connected with banking system, this can bring the problem of security and economy aspect, though it utilizes phone number to replace traditional credit card and debit card, but still be transaction towards the individual: similar with magnetic card, if collect and preserve the other side's personal information, and decoded relevant personal identification number, then transaction may be recurred or is forged.And in Patent Office of the People's Republic of China on Dec 31st, 2003 disclosed No. 02123059 patent, its name is called " method and system of realizing paying in a kind of mobile intelligent net by SIM card ", and it has disclosed a kind of method and system of paying for sign by mobile subscriber's hand SIM card.But also there is following deficiency in this invention, and it is towards penny ante, and link is many, is subject to sms technique means and telecommunication value-added service, poor availability.
Summary of the invention
The present invention overcomes the above-mentioned shortcoming that existing E-Payment technology exists, and the method for transmission processing that a kind of security is better, use more convenient effective electronic charging signal is provided, and the system that realizes this method.
In order to address the above problem, the technical solution used in the present invention is: the method for transmission processing that a kind of electronic charging signal is provided, at least one clearing side the 4th device based on installing second device of communicating by letter with beneficiary the 3rd device and can communicate by letter with second device with paying party first may further comprise the steps:
(a) the 3rd device sends the gathering request signal that comprises beneficiary, collection amount to second device;
(b) second device is according to the gathering request signal, and the formation gathering sequence number and the sequence number of will collecting money, beneficiary, collection amount are stored in the buffer zone of second device;
(c) the second device sequence number of will collecting money sends to the 3rd device;
(d) the 3rd device comprises that with physics mode output the gathering information of gathering sequence number, collection amount gives first device, and first device then will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, personal characteristics data sends to second and installs;
(e) second device is received from behind the first payment request signal that installs, with gathering sequence number retrieval buffer zone, retrieve this paying party ID corresponding client database, check the payment legitimacy, if, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device in the second communication mode by checking;
(f) after the 4th device is received the above-mentioned operation request signal of withholing, directly carry out the corresponding Account Disposal of the operation of withholing or carried out for two steps and withhold by the 4th device;
(g) the 4th device sends the transaction results signal to second device;
(h) after second device is received the transaction results signal that the 4th device sends, return last schedule of dealing to first device and the 3rd device.
Two steps in step (f) withhold and may further comprise the steps:
(f1) the 4th device freezes matching amount according to the electronic signal of receiving on the corresponding balance account of paying party ID;
(f2) send the result that expression freezes to operate success or failure to second device;
(f3) second device receive from the 4th device freeze to operate successful signal the time, automatically beneficiary relevant information and confirmation code are sent to first device;
(f4) first device judges that when fixed relevant information from second device was correct, first device sent confirmation code and the personal characteristics data of confirming payment signal to second device; Perhaps first device sends to the 3rd device with confirmation code and personal characteristics data, by the 3rd device confirmation code and personal characteristics data is sent to second device; After perhaps the 3rd device directly reads confirmation code and personal characteristics data, send to second device;
(f5) after second device is checked the data legitimacy, confirmation signal is sent to the 4th device;
(f6) after the 4th device is received confirmation signal, check,, carry out relevant Account Disposal if legal.
Wherein, second device comprises first communication unit that adopts first kind of communication mode and the second communication unit that adopts second kind of communication mode, wherein, first kind of communication mode be digital mobile or landline telephone system short message communication mode, USSD communication mode, dial a kind of or combination in special clothes telephone number communication mode, voice call response mode, the input of the Website login page and the interactive information; Second kind of communication mode is special line communication or network communication modes such as VPN traffic or Internet; Second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal, second device or the 4th device comprise registered client's database, this customer database comprises each registered client's communication terminal ID, balance account information, characteristic, the contact method data that at least one is related, and wherein the registered client comprises as the client of paying party with as the client of beneficiary.
Wherein, the 3rd device includes the physical signalling output unit.
Wherein, first device is communication terminal device or network-termination device.
Wherein, comprise the signal that is used for addressing second device and the 4th device in request payment and the request gathering signal; The information of addressing the 4th device often can be omitted, when particularly having only one the 4th device; Perhaps, second device can be selected default value according to predefined strategy or customer data base.
Wherein, the personal characteristics data are one or more in the following information: customer name or I.D. sequence number, password, human body biological characteristics information, mobile terminal device ID and the hardware identification data related with customer name.
Wherein, also comprise the step that second device authenticates the personal characteristics data from first device.
Wherein, also be included in the step (f3), second device contains the operation rule that confirmation code and paying party characteristic are carried out computing in the cue that first device sends; In step (f4), first device is carried out computing according to rule specified in the step (f3) to confirmation code and paying party characteristic, and operation result is issued second device or the 3rd device.
Wherein, second device can utilize the SMS service center (SMSC) of short message communication agreement or USSD agreement or wap protocol and communication network, mutual Short Message Service Gateway (SMG), USSD center or USSD Service Gateway or WAP gateway to communicate, accept note or USSD request or WAP request that first device and the 3rd device send, the result of processing can be returned to first with note or USSD mode or WAP mode and install or the 3rd device; Second device also can utilize special line communication or network communication modes such as VPN traffic or Internet, carries out data interaction with first device or the 3rd device; Second device also can carry out alternately with programme-controlled exchange, accept the phonetic dialing request that first device or the 3rd device send, from signaling-information, obtain calling number and called number, carry out data processing, according to the definition and the data processed result of service logic, start the interactive voice flow process.
The present invention also provides a kind of electronic fare payment system, include first device of paying party, the 3rd device of beneficiary, second device of the payment platform that can communicate by letter with first device, the 3rd device, and at least one clearing side the 4th device that can communicate by letter with second device; Second device can utilize the SMS service center (SMSC) of short message communication agreement or USSD communication protocol or wap protocol and communication network or Short Message Service Gateway (SMG), USSD center or USSD Service Gateway, WAP gateway communicate alternately, accept note or USSD request or WAP request that first device and the 3rd device send, the result who handles can be returned to first device or the 3rd device with note or USSD mode; Second device also can utilize special line communication or network communication modes such as VPN traffic or Internet, carries out data interaction with first device or the 3rd device; Second device also can carry out alternately with programme-controlled exchange, accept the voice call origination request that first device or the 3rd device send, from signaling-information, obtain calling number and called number, carry out data processing, in case of necessity according to the definition and the data processed result of service logic, start the interactive voice flow process, carry out data interaction with first device or the 3rd device.
Wherein, first device and the 3rd device can be respectively mobile phone, landline telephone, PC, WAP mobile phone or PDA; Second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal; The 3rd device includes the physical signalling output unit;
Second device comprises one or more first communication units, one or more second communications unit and can carry out mutual interactive unit with the 4th device; First communication unit and second communication unit adopt the no communication mode and first device and the 3rd device to communicate respectively, and communication mode can be that phonetic dialing request, call voice are replied, in the short message, USSD, WAP, network communication mode one or more; Interactive unit can be carried out alternately with network communication modes such as special line communication or VPN traffic or Internet and the 4th device;
Second device or the 4th device are provided with a customer database at least, and this customer database is divided into paying party database and beneficiary database again, is respectively applied for the customer information of storage paying party and beneficiary; Customer information includes such as the bank account of client's communication terminal number, one or more associations or pre-paid account or the bank of deposit, customer name, phone, ID (identity number) card No., one or more eigenwerts etc.; Each client is corresponding to unique communication terminal number; Eigenwert can be fingerprint, password, electronic tag number, barcode value, handset sign indicating number, communication terminal fuselage number, can also be the trading password with figure or the distribution of character message form, or other human body biological characteristics etc.
Beneficial effect of the present invention is: in the present invention, because adopt the method for request, verification, affirmation in the use, the information of the each input of consumer is fairly simple, data volume is few, operation easily, and adopted data are carried out pretreated method, can improve the response speed of transaction platform and settling bank.In addition, in the present invention, it is very difficult recurring transaction, if attempt to recur or emit the time spent, paying party can be found this transaction immediately.Moreover the other side's personal information can't be collected and preserve to beneficiary (businessman), though the personal identification number of the side of collecting payment, because transaction can't be recurred or forge to the people's that can not collect payment communication terminal.
Description of drawings
Fig. 1 is a system architecture synoptic diagram of the present invention.
Fig. 2 is the inner structure synoptic diagram of the device of second among Fig. 1.
Fig. 3 realizes process of signal transmission process flow diagram of the present invention.
Embodiment
As shown in Figure 1, be enforcement environment synoptic diagram of the present invention.Implement E-payment system of the present invention and include first device, 1, second device the 2, the 3rd device the 3 and the 4th device 4.The present invention just is based on and can installs 3 second devices 2 of communicating by letter and can install at least one the 4th device 4 of the 2 clearing sides that communicate by letter with second with paying party first device 1 and beneficiary the 3rd, the invention provides the electronic charging method for transmitting signals.Wherein:
This second device 2 is arranged on the payment platform place, and its inside is provided with a customer database at least, and this customer database is divided into paying party database and beneficiary database again, is respectively applied for the customer information of storage paying party and beneficiary.Wherein, these customer informations include such as the bank account of client's communication terminal number, one or more associations or pre-paid account or the bank of deposit, customer name, phone, ID (identity number) card No., one or more eigenwerts etc.Each client is corresponding to unique communication terminal number; Eigenwert can be such as fingerprint, password, electronic tag number, barcode value, handset sign indicating number, communication terminal fuselage number, it also may be trading password (this password can be modified) with figure or the distribution of character message form, or other human body biological characteristics etc., each client's information homogeneous one correspondence.Withhold in the designated account of this paying party mandate second device 2 from its customer information.The short message communication agreement (as SMPP, CMPP, SGIP, CMPP++) of can utilizing this second device 2 waits and the SMS service center (SMSC) of communication network or Short Message Service Gateway (SMG), USSD center or USSD Service Gateway alternately, accept first device the 1 and the 3rd device 3 notes of sending or USSD request, also the result who handles can be returned to first device the 1 and the 3rd device with note or USSD mode.Second device 2 also can carry out alternately with programme-controlled exchange, accepts the 3 phonetic dialing requests of sending of first device the 1 or the 3rd device, obtains calling number and called number from signaling-information, carries out data processing; Perhaps, start the interactive voice flow process according to the definition and the data processed result of service logic; The result who handles is returned to first device the 1 and the 3rd device 3 with note or USSD mode.
The 3rd device 3 is arranged on beneficiary (businessman) and locates, and it includes the physical signalling output unit, and it can communicate with first device, 1 and second device 2.
And the 4th device 4 is arranged on the settlement center place of different bank, it can be a computing machine of bank settlement center, can be according to second device, 2 settlement requests from payment platform, realize such as freeze to specify fund, withhold, bank transaction process such as account transfer.Customer database also can be located at the 4th device 4 inside, and it can write down the record of transaction, client's relevant information and client's the ID and the transitional information of bank account etc.
As shown in Figure 2, be the inner structure schematic block diagram of second device 2 among the present invention.This second device 2 comprises customer database 21, a plurality of first communication unit 22, second communication unit 23 at least and can carry out mutual interactive unit 24 with the 4th device 4.Wherein, first communication unit 22 and second communication unit 23 adopt no communication mode and first device the 1 and the 3rd device 3 to communicate respectively.For example, first communication unit 22 is the communication units that can receive the mobile phone communications signal, and second communication unit 23 is based on the network communication unit of special line.In other words, short message communication mode or the USSD communication mode that first kind of communication mode of the present invention is digital mobile or landline telephone system or dial special clothes telephone number communication mode or the communication mode of call voice response mode or input of the Website login page and interactive information, each first communication unit, 22 corresponding a kind of first communication mode; In dialing special clothes telephone number communication mode, contain the information such as coding, gathering or payment number that are useful on addressing second device and the 3rd device in the telephone number; When having two or above the 4th device, may also comprise the information of addressing the 4th device.And second kind of communication mode is leased-line communication method or network communication modes such as VPN traffic or Internet.The customer database 21 of second device in 2 comprises each registered client (paying party client or beneficiary client's) user ID, communication terminal ID, balance account information, characteristic, the contact method data (in aforementioned existing explanation) that at least one is related, the corresponding relation of this receipts/paying party ID and balance account can be managed and safeguard, be changed by second device or the 4th device.
Narrate the transmission and processing process of electronic charging signal below in conjunction with Fig. 3.
In step S40, the 3rd device 3 sends the gathering request signal that comprises beneficiary, collection amount to second device 2, includes the signal that is used for addressing second device 2 in this gathering request signal; Example 1: 896 yuan of transaction total charges, beneficiary are sent short messages " 896 " to 12597 (12597 is 5 gathering request SMS platform shortcodes).
In step S41, second device 2 forms (gathering sequence number, beneficiary, the collection amount) for information about of collecting money sequence number and will conclude the business and is stored in the high-speed buffer of second device 2 according to the gathering request signal.
In step S42, the 3rd device 3 comprises the gathering information of gathering sequence number, collection amount with physics mode output, and it is passed to first install.For example: beneficiary is pointed out to paying party: " transaction sequence number; 19287, total charge is 896 yuan ".
In step S43, first device 1 will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, personal characteristics data sends to second device 2.For example: paying party is sent short messages " 19287-896 " to 12599.
In step S44, second device 2 is received from behind first device, 1 the payment request signals, with gathering sequence number retrieval buffer zone, retrieve this paying party ID corresponding client database, check the payment legitimacy, if by checking, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device 4 in the second communication mode.
In step S45, after the 4th device 4 is received above-mentioned electronic signal, directly carry out the corresponding Account Disposal of the operation of withholing or carried out for two steps and withhold by the 4th device 4, wherein, two steps withholdd and comprise (1) the 4th device 4 according to the electronic signal of receiving, freezed matching amount on the corresponding balance account of paying party ID.(2) send the result of freezing to operate success or failure to second device 2.(3) second devices 2 receive from the 4th device 4 freeze to operate successful signal the time automatically beneficiary relevant information and confirmation code are sent to first device 1.Routine: payment platform SMS notification paying party: " you prepare payment and give＜friendly nation's insurance 〉, the address: No. 98 second floors in inferior street, 896 yuan of Payment Amounts are confirmed number 8348*7***, please with consigning to businessman behind the asterisk in your the payment cipher replacement check code ".(4) first devices 1 judge when fixed relevant information from second device 2 is correct that first device 1 sends confirmation code and the personal characteristics data of confirming payment signal to second device 2; Perhaps first device 1 sends to the 3rd device 3 with confirmation code and personal characteristics data, by the 3rd device 3 confirmation code and personal characteristics data is sent to second device 2; After perhaps the 3rd device 3 directly reads confirmation code and personal characteristics data, send to second device 2; Correctly whether the feedback information that the paying party inspection is received (businessman and the amount of money etc.).After the approval transaction, submit to confirmation code (increasing password in case of necessity) to confirm to payment platform or beneficiary.Beneficiary is submitted to payment platform with confirmation code.Example 1: paying party is submitted confirmation code 834827345 (replaced with password 2345 among the check code 8348*7*** asterisk) to beneficiary.Example 2: paying party is sent short messages " 83487-3456 " to 12594 (3456, the password of reserving).After (5) second devices 2 are checked the data legitimacy, confirmation signal is sent to the 4th device 4; After the 4th device 4 is received confirmation signal, check,, carry out relevant Account Disposal if legal.
In step S46, after second device 2 is received the 4th device 4 result signals that send, return last schedule of dealing to first device the 1 and the 3rd device 3.For example: second device 2 is used the SMS notification paying party: " payment transaction success.Beneficiary:＜friendly nation insurance 〉, address: No. 98 second floors in inferior street, 896 yuan of Payment Amounts, check code 83487 ".Beneficiary is printed consumption receipt/invoice etc. to the paying party feedback information.
In each above-mentioned step, if handle failure or detected illegal/when not matching, then notify first device the 1 or the 3rd device 3.
The method for transmission processing of charging signal provided by the present invention, owing to adopt the mode of pre-service, verification, submission, the information of the each input of consumer is fairly simple, and its data volume is few, and speed is fast.The consumer can in time find and correct the error in data that may occur, and is reliable.
Owing to do not relate to personal information, both parties bear limited liability, have greatly reduced risk, and are very reliable.In the present invention, it is very difficult recurring transaction, if attempt to recur or emit the time spent, paying party can be found this transaction immediately.Moreover the other side's personal information can't be collected and preserve to beneficiary (businessman), though the personal identification number of the side of collecting payment, because transaction can't be recurred or forge to the people's that can not collect payment communication terminal.
Claims (10)
1. the method for transmission processing of an electronic charging signal, based on can with second installing and install at least one clearing side the 4th that can communicate by letter with second device that paying party first device is communicated by letter with beneficiary the 3rd device, it is characterized in that may further comprise the steps:
(a) the 3rd device sends the gathering request signal that comprises beneficiary, collection amount to second device;
(b) second device is according to the gathering request signal, and the formation gathering sequence number and the sequence number of will collecting money, beneficiary, collection amount are stored in the buffer zone of second device;
(c) the second device sequence number of will collecting money sends to the 3rd device;
(d) the 3rd device comprises that with physics mode output the gathering information of gathering sequence number, collection amount gives first device, and first device then will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, personal characteristics data sends to second and installs;
(e) second device is received from behind the first payment request signal that installs, with gathering sequence number retrieval buffer zone, retrieve this paying party ID corresponding client database, check the payment legitimacy, if, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device in the second communication mode by checking;
(f) after the 4th device is received the above-mentioned operation request signal of withholing, directly carry out the corresponding Account Disposal of the operation of withholing or carried out for two steps and withhold by the 4th device;
(g) the 4th device sends the transaction results signal to second device;
(h) after second device is received the transaction results signal that the 4th device sends, return last schedule of dealing to first device and the 3rd device.
2. the method for transmission processing of electronic charging signal according to claim 1, it is characterized in that, described second device comprises first communication unit that adopts first kind of communication mode, with the second communication unit that adopts second kind of communication mode, wherein, first kind of communication mode is the short message communication mode of digital mobile or landline telephone system, the USSD communication mode, dial special clothes telephone number communication mode, the call voice response mode, a kind of or combination in input of the Website login page and the interactive information, this telephone number, contain in USSD number or the messaging format and be useful on addressing second device, the coding of the 4th device and the 3rd device, the information of gathering or payment number; Described second kind of communication mode is special line communication or VPN traffic or Internet network communication mode; Described second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal, described second device or the 4th device comprise registered client's database, this customer database comprises each registered client's communication terminal ID, balance account information, characteristic, the contact method data that at least one is related, and wherein the registered client comprises as the client of paying party with as the client of beneficiary.
3. the method for transmission processing of electronic charging signal according to claim 2 is characterized in that described the 3rd device includes the physical signalling output unit, and described first device is communication terminal device or network-termination device.
4. according to the method for transmission processing of any one described electronic charging signal among the claim 1-3, it is characterized in that withholing in the step of two described in the step (f) may further comprise the steps:
(f1) the 4th device freezes matching amount according to the electronic signal of receiving on the corresponding balance account of paying party ID;
(f2) send the result that expression freezes to operate success or failure to second device;
(f3) second device receive from the 4th device freeze to operate successful signal the time, beneficiary relevant information and confirmation code are sent to first device;
(f4) first device judges that when fixed relevant information from second device was correct, first device sent confirmation code and the personal characteristics data of confirming payment signal to second device; Perhaps first device sends to the 3rd device with confirmation code and personal characteristics data, by the 3rd device confirmation code and personal characteristics data is sent to second device; After perhaps the 3rd device directly reads confirmation code and personal characteristics data, send to second device;
(f5) after second device is checked the data legitimacy, confirmation signal is sent to the 4th device;
(f6) after the 4th device is received confirmation signal, check,, carry out relevant Account Disposal if legal.
5. the method for transmission processing of electronic charging signal according to claim 4 is characterized in that comprising the signal that is used for addressing second device and the 4th device in described request payment and the request gathering signal; Described personal characteristics data are one or more in the following information: customer name or I.D. sequence number, password, human body biological characteristics information, mobile terminal device ID and the hardware identification data related with customer name.
6. the method for transmission processing of electronic charging signal according to claim 5 is characterized in that also comprising that described second device is to the described step that authenticates from the personal characteristics data of first device.
7. the method for transmission processing of electronic charging signal according to claim 6, it is characterized in that described second device can utilize the SMS service center (SMSC) of short message communication agreement, USSD agreement, wap protocol and communication network, mutual Short Message Service Gateway (SMG), USSD center or USSD Service Gateway, WAP gateway to communicate, accept note or USSD or WAP request that first device and the 3rd device send, the result of processing can be returned to first with note or USSD or WAP mode and install or the 3rd device; Second device also can utilize special line communication or VPN traffic or Internet network communication mode, carries out data interaction with first device or the 3rd device; Second device also can carry out alternately with programme-controlled exchange, accept the phonetic dialing request that first device or the 3rd device send, from signaling-information, obtain calling number and called number, carry out data processing, in case of necessity according to the definition and the data processed result of service logic, start the interactive voice flow process, carry out data interaction with first device or the 3rd device.
8. the method for transmission processing of electronic charging signal according to claim 4 is characterized in that, in step (f3), second device contains the operation rule that confirmation code and paying party characteristic are carried out computing in the cue that first device sends; In step (f4), first device is carried out computing according to rule specified in the step (f3) to confirmation code and paying party characteristic, and operation result is issued second device or the 3rd device.
9. electronic fare payment system, it is characterized in that including first device of paying party, the 3rd device of beneficiary, second device of the payment platform that can communicate by letter with first device, the 3rd device, and at least one clearing side the 4th device that can communicate by letter with second device;
Described second device comprises one or more first communication units, one or more second communications unit and can carry out mutual interactive unit with the 4th device; Described first communication unit and second communication unit adopt the no communication mode and first device and the 3rd device to communicate respectively, and described communication mode can be that phonetic dialing request, call voice are replied, in the short message, USSD, WAP, network communication mode one or more; Described interactive unit can be carried out with special line communication or VPN traffic mode or Internet network communication mode and the 4th device alternately.
10. electronic fare payment system according to claim 9 is characterized in that:
Described first device and the 3rd device can be respectively mobile phone, landline telephone, PC, WAP mobile phone or PDA;
Described second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal;
Described the 3rd device includes the physical signalling output unit;
Described second device or the 4th device are provided with a customer database at least, and this customer database is divided into paying party database and beneficiary database again, is respectively applied for the customer information of storage paying party and beneficiary; Described customer information includes such as the bank account of client's communication terminal number, one or more associations or pre-paid account or the bank of deposit, customer name, phone, ID (identity number) card No., one or more eigenwert; Each client is corresponding to unique communication terminal number; Described eigenwert can be fingerprint, password, electronic tag number, barcode value, handset sign indicating number, communication terminal fuselage number, can also be the trading password with figure or the distribution of character message form, or other human body biological characteristics.
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| CNA2006101222796A CN101149825A (en) | 2006-09-21 | 2006-09-21 | Electronic charging signal transmission treatment method and electronic payment system |
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| CNA2006101222796A CN101149825A (en) | 2006-09-21 | 2006-09-21 | Electronic charging signal transmission treatment method and electronic payment system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105074745A (en) * | 2012-12-27 | 2015-11-18 | 新韩信用卡株式会社 | Method for controlling payment device for selecting payment means |
| CN105374134A (en) * | 2015-12-01 | 2016-03-02 | 广州神马移动信息科技有限公司 | Method of invoice printing, payment system, payment terminal and collection terminal |
| CN106097071A (en) * | 2016-06-16 | 2016-11-09 | 陈磊 | A kind of Timebox time transaction platform |
| WO2019024296A1 (en) * | 2017-07-29 | 2019-02-07 | 深圳市前海康启源科技有限公司 | Medical payment system and method based on dynamic short message encryption |
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2006
- 2006-09-21 CN CNA2006101222796A patent/CN101149825A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105074745A (en) * | 2012-12-27 | 2015-11-18 | 新韩信用卡株式会社 | Method for controlling payment device for selecting payment means |
| CN105374134A (en) * | 2015-12-01 | 2016-03-02 | 广州神马移动信息科技有限公司 | Method of invoice printing, payment system, payment terminal and collection terminal |
| CN105374134B (en) * | 2015-12-01 | 2017-10-31 | 广州神马移动信息科技有限公司 | Method, payment system, checkout terminal and the cash receiving terminal of printed invoice |
| CN106097071A (en) * | 2016-06-16 | 2016-11-09 | 陈磊 | A kind of Timebox time transaction platform |
| WO2019024296A1 (en) * | 2017-07-29 | 2019-02-07 | 深圳市前海康启源科技有限公司 | Medical payment system and method based on dynamic short message encryption |
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