CN101154280A - Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone - Google Patents
Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone Download PDFInfo
- Publication number
- CN101154280A CN101154280A CNA2006100628783A CN200610062878A CN101154280A CN 101154280 A CN101154280 A CN 101154280A CN A2006100628783 A CNA2006100628783 A CN A2006100628783A CN 200610062878 A CN200610062878 A CN 200610062878A CN 101154280 A CN101154280 A CN 101154280A
- Authority
- CN
- China
- Prior art keywords
- payment
- user
- mobile phone
- bank
- bank card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Abstract
A system and a method of confirming payment for buying airline ticket and booking hotel room enables a customer to buy airline ticket or book hotel room anywhere anytime through sending a short message to the financial system of a travel agency with mobile phone and pay with a bank card. The payment data is divided into two parts, wherein, the data like the number of the bank card and the payment amount is transmitted to the bank by the mobile phone of the customer through the financial system of the travel agency, while the bank card code and the payment amount are transmitted directly to the bank by the mobile phone of the customer, and a computer center of the bank uses the bank card account of the customer to pay according to the payment data. As the payment data is transmitted via two different paths and the bank card code is directly transmitted from the mobile phone of the customer to the bank, the bank card code definitely can not be revealed to the travel agency. Furthermore, a confirmation system can check the incoming call number which sends confirmation information and only the confirmation information sent from the mobile phone of the customer is valid. The invention is a quick, convenient, safe and reliable fully automatic method of buying electronic airline ticket and booking hotel room.
Description
[technical field]
The present invention relates to the field that computing machine and mechanics of communication combine, particularly described technology is used for the system and method that payment of bank card is confirmed.
[technical background]
It generally all is to act on behalf by travel agency that current passenger purchases the air ticket, and perhaps directly buys to airline, generally all is that the sales counter that will arrive travel agency or airline is bought tickets, very inconvenient.Partly travel agency provides the service of ordering tickets by telephone, the passenger travel agency that will make a telephone call to buys tickets, wait for that then travel agency sends someone to send air ticket, the guest pays air fare in cash, whole process generally needs a few hours, many times the passenger will wait for that travel agency sends someone to send air ticket in hotel room, loses time very much and inconvenience.
[summary of the invention]
Purpose of the present invention is to provide a kind of utilization payment that confirms phone to purchase the air ticket and order the system and method in hotel.
The object of the present invention is achieved like this, that is, the system that adopts a kind of like this utilization to confirm phone and pay the bill, described system mainly comprises:
The mobile-phone payment bank cipher is confirmed system (1), and mobile phone is bought air ticket and ordered hotel's billing and accounting system (2), user mobile phone (3), and payment gateway (4), bank computer center (5),
Wherein,
The mobile-phone payment bank cipher confirms that system (1) is the device that a computer system adds communication device, be responsible for to handle and examine and buy air ticket from user mobile phone (3) and mobile phone and order the payment information that hotel's billing and accounting system (2) sends, according to the payment information content, by payment gateway (4) and bank computer center (5) in accounts such as user's credit card, debit card, ATM card, bank account, deducting money transfer accounts the gathering trade company bank account
Mobile phone is bought air ticket, and to order hotel's billing and accounting system (2) be the device that a computer system adds communication device, and responsible process user is purchased the air ticket and relevant inquiry and the transaction of ordering the hotel,
User mobile phone (3) is user's oneself mobile phone or a PDA mobile phone, be responsible for to transmit relevant information of purchasing the air ticket and payment confirmation, and reception buys air ticket by mobile phone and order the information that hotel's billing and accounting system (2) and mobile-phone payment bank cipher affirmation system (1) send,
Payment gateway (4), it is the payment of bank card disposal system, be responsible for to handle the request payment information that the mobile-phone payment bank cipher confirms that system (1) is sent, according to the described information content by bank computer center (5) bank account of trade company of collecting money of transferring accounts to of deducting money in user's the bank card account
Bank computer center (5) is the bank account computer system of issuing bank,
And, the telecommunication method that has adopted a kind of like this utilization to confirm phone and pay the bill, described method adopts the mode that is divided into two that payment information is divided into two, be divided into accounts information and confirmation two partly, then respectively by two different transmission approach, accounts information and confirmation are sent to bank computer center (5) respectively with user mobile phone (3), pay in the account of described bank card account number according to payment information by bank computer center (5), and described confirmation comprises bank card password and Payment Amount, described accounts information comprises bank card account number and Payment Amount, and described bank card comprises credit card, button account card, debit card, ATM card, bank account etc.
Wherein, the transmission approach that described confirmation is used is to be sent to bank computer center (5) by user mobile phone (3) by affirmation system (1), payment gateway (4), and the employed transmission approach of described accounts information is to be sent to bank computer center (5) by user mobile phone (3) by billing and accounting system (2), affirmation system (1), payment gateway (4).
And the telecommunication method that has adopted a kind of like this utilization to confirm phone and pay the bill adopts system as mentioned above, and particularly, described method has adopted the step of user mobile phone (3) as the device of payment affirmation.
So just realized the present invention.
For convenience of description, this instructions uses the abbreviation of affirmation system (1) as mobile-phone payment bank cipher affirmation system (1), and, use billing and accounting system (2) to buy the abbreviation that air ticket is ordered hotel's billing and accounting system (2) as mobile phone.Billing and accounting system (2) is meant the ticketing service computer system of travel agency, or the ticketing service computer system of airline, or air ticket agency's ticketing service computer system, or hotel's house ticketing service computer system of subscribing etc. is responsible for handling air ticket and is inquired about, subscribes, sells and task such as hotel's house reservation.
The present invention compares with general method of payment, general method of payment is that to require the user by trade company be confirmation at its POS machine input password, be sent to bank then, and system and method for the present invention is initiatively confirmation to be sent to bank by the user, user mobile phone (3) just equals the code keypad of the POS of trade company machine, the user only presses password on the mobile phone of oneself, can prevent that password from leaking, and also can stop the client steals in trade company with false POS machine bank card password.
Advantage of the present invention is, the user can use the mobile phone travel agency that sends short messages to purchase the air ticket whenever and wherever possible, and with the bank card defrayment, the payment information of defrayment is that separately two different approach transmit, wherein card number and Payment Amount are by user mobile phone (3), billing and accounting system (2) is sent to affirmation system (1), and the payment confirmation of bank card password etc. is to be sent to affirmation system (1) by user mobile phone (3), so user's bank card password can never be revealed to trade company, and the incoming call number of received payment confirmation can be checked by affirmation system (1), the payment confirmation must be from could confirming successfully that user mobile phone (3) is sent, affirmation system (1) can not accept the payment confirmation sent by non-user mobile phone (3), is the method for efficient and convenient safe and reliable full-automatic purchase E-ticket.
[description of drawings]
Fig. 1 is the confirm phone structure and the step key diagram of system and method for payment of utilization of the present invention.
Fig. 2 is the confirm phone structure and the step key diagram of another embodiment of system and method for payment of utilization of the present invention.
Fig. 3 is the step key diagram of the present invention embodiment of being applied in shopping online.
Fig. 4 is the step key diagram of the present invention another embodiment of being applied in shopping online.
Fig. 5 and Fig. 6 are the key diagrams of the embodiment of the system of the present invention computer keyboard system that adopts the mechanical hand for emulating human hand input.
[embodiment]
Below in conjunction with accompanying drawing, the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the confirm phone structure and the step key diagram of system and method for payment of utilization of the present invention, the formation of illustrative system and fundamental method and step.As previously mentioned, system of the present invention mainly comprises affirmation system (1), billing and accounting system (2), and user mobile phone (3), payment gateway (4), bank computer center (5),
Wherein, affirmation system (1) built-in mobile phone (1-1) as with the communication tool of user mobile phone (3) and billing and accounting system (2), mobile phone (1-1) is mainly used in reception from user mobile phone (3) affirmation information of sending and data from relevant transaction expenditure to user mobile phone (3) that send, and receive the request payment information that sent from billing and accounting system (2) and send the payment successful information to billing and accounting system (2)
And, the built-in short message receiving-transmitting device of billing and accounting system (2) (2-1), short message receiving-transmitting device (2-1) is as the communication tool of billing and accounting system (2) with user mobile phone (3) and affirmation system (1), billing and accounting system (2) receives the relevant booking information of sending from user mobile phone (3) by short message receiving-transmitting device (2-1), with send information to user mobile phone (3), with send the request payment information to affirmation system (1), with the payment successful information that reception is sent by affirmation system (1), described short message receiving-transmitting device (2-1) is the computer system that mobile phone or PDA mobile phone maybe can receive and send note.
Aspect being provided with of system, can use the payment system of existing credit card, debit card, add affirmation system (1) and billing and accounting system (2), just can constitute system of the present invention well.
Continue to consult Fig. 1, the system that is to use full-automatic electronic sale of airline tickets of the present invention and reserving hotel house illustrated in fig. 1, wherein payment gateway (4) is current general credit card with bank computer center (5), the payment gateway of debit card and bank card computer center, the payment gateway of China Unionpay for example, the credit card computer center of Bank of China, the silver in Hong Kong leads to payment gateway, the VISA credit card computer center of each bank etc., the affirmation system (1) that also illustrates among the figure is to be positioned at same dashed rectangle with payment gateway (4), that is to say as long as set up affirmation system (1) at original payment gateway, and set up billing and accounting system (2) in travel agency, wherein, affirmation system (1) and payment gateway (4) telecommunication connection mutually, affirmation system (1) then transmits data by mobile telephone network with billing and accounting system (2), and, affirmation system (1) also will set up a payment to confirm the telephone number hot line, be used to receive user's payment confirmation, so just finish the setting of system of the present invention.
The bank card account number that the user will be in advance registers own user mobile phone (3) telephone number and user in affirmation system (1) is a bank card number, user mobile phone (3) telephone number and user's bank card account number bundling is in the same place, simultaneously the user will register personal informations such as own user mobile phone (3) telephone number, bank card number and name, ID (identity number) card No., sex, age in advance in billing and accounting system (2), and the personal information of being registered is used for billing and accounting system (2) to be handled when purchasing the air ticket formality for the user and use.
The formation of system of the present invention like this, just clearly has been described basically.
Use system and method for the present invention to purchase the air ticket or during the reserving hotel house, the user is with the required data of purchasing the air ticket or ordering the hotel, with user's bank card account number be Payment Informations such as bank card number, be sent to billing and accounting system (2) by user mobile phone (3), system calculates Payment Amount according to the data that user mobile phone (3) is sent by billing and accounting system (2), send the information of requesting for payment to affirmation system (1) then, the described request payment information comprises bank card number and Payment Amount, and, the user is with the payment confirmation of the password of described bank card and Payment Amount etc., be sent to affirmation system (1) by user mobile phone (3), check the information of requesting for payment and the interior Payment Amount of payment confirmation by affirmation system (1), pass through payment gateway (4) and bank computer center (5) after the confirmation in user's bank card account, deducting money transfer accounts the gathering trade company bank account, described bank card comprises credit card, debit card, ATM card, bank account etc.
In the system and method for the present invention; user mobile phone (3) and affirmation system (1); the short message receiving-transmitting device (2-1) of billing and accounting system (2) and the method for the transmission information between the affirmation system (1); the main note of using is come transmission information; also can use USSD (the Unstructured Supplementary Service Data unstructured supplementary data traffic) technology of mobile telephone network to come transmission information; when information is transmitted with the USSD information approach; as long as in affirmation system (1), increase the server of handling USSD information; the USSD information that user mobile phone (3) or short message receiving-transmitting device (2-1) are sent; by preset program with data transmissions such as the source telephone number of information and the information contents to affirmation system (1); using the information of USSD technology transfer system of the present invention, all is protection scope of the present invention.
Like this, just realized the present invention.
Continue to consult Fig. 1, shown in Fig. 1 is first embodiment of system and method for the present invention, is that the user uses system and method for the present invention to purchase the air ticket or during the reserving hotel house, adopted following A group step,
A1. user's hotel's house data that the air ticket of required purchase maybe will be subscribed sends to billing and accounting system (2) with user mobile phone (3) with note,
A2. after billing and accounting system (2) is received note, know the required queried for items of user,, give user mobile phone (3) with message reply with relevant air ticket flight data or relevant hotel's house data from short message content,
A3. the user is from the received answer short message content of user mobile phone (3), air ticket or hotel's house data of each flight that is provided by billing and accounting system (2) are provided, select air ticket or required hotel's house data of moving in of required flight, pass selected data back billing and accounting system (2) with note, request billing and accounting system (2) is acted on behalf the air ticket of buying selected flight or is acted on behalf and subscribe selected hotel house
A4. billing and accounting system (2) is received the request charg`e d'affaires note that user mobile phone (3) is sent, find the data of user-selected ticket or selected hotel house from short message content, and calculate the air fare of this flight or the house cost of institute's reserving hotel, the amount of money of promptly paying the bill, from the incoming call number of note in the Account History of billing and accounting system (2), find user's personal information, comprise name, ID (identity number) card No., sex, age and user's bank card number, billing and accounting system (2) uses note to send the request payment information to affirmation system (1) immediately, the described request payment information comprises user's bank card number and Payment Amount
A5. the user in steps A 3 after note is acted on behalf in billing and accounting system (2) request of sending, in will be at the appointed time, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount, be 654321 for example with bank card password, Payment Amount is 1600 yuan, and the content of payment confirmation is exactly 654321#1600#, and wherein symbol # is used to separate bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
A6. confirm the incoming call number of the note of the request payment information that system (1) is received from steps A 4, find the bank account number of billing and accounting system (2) at the Account History of affirmation system (1), find user's bank card number and Payment Amount from the content of information, bank card number is checked with bank card number and Payment Amount in the steps A 5 mutually with Payment Amount, after the confirmation with the bank account number of billing and accounting system (2), Payment Amount, data transmissions such as user's bank card number and bank card password are to payment gateway (4)
AA. payment gateway (4) with data transmissions such as the bank account number of billing and accounting system (2), Payment Amount, user's bank card number and bank card password to bank computer center (5) request payment,
AB. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to billing and accounting system (2), and send the payment successful information to payment gateway (4)
A7. payment gateway (4) will be paid successful information and be forwarded to affirmation system (1),
A8. confirm that system (1) sends the payment successful information to billing and accounting system (2),
A9. after billing and accounting system (2) is received the payment successful information, handle the air ticket of buying selected flight or subscribe selected hotel house for the user immediately, and with the air ticket data of the flight bought or the data of reserving hotel house, send user mobile phone (3) to note, please he before flight takeoff, check in or check-in to the hotel on time with documentation of identity to the airport sales counter
A10. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
Consult Fig. 2, Fig. 2 is second embodiment of system and method for the present invention, the places different with embodiment one are not have payment gateway (4) in this example, affirmation system (1) can be arranged in the bank, and affirmation system (1) is direct and bank computer center (5) line, need not just can carry out the operation of relevant payment by payment gateway (4), advantage is relatively simple for structure, buy air ticket or order the hotel but can only use is paid the bill by the bank card that bank sent of this bank computer center (5), shown in Fig. 2 is that the user purchases the air ticket or method and step during the reserving hotel house, adopted following B group step
B1. user's hotel's house data that the air ticket of required purchase maybe will be subscribed sends to billing and accounting system (2) with user mobile phone (3) with note,
B2. after billing and accounting system (2) is received note, know the required queried for items of user,, give user mobile phone (3) with message reply with relevant air ticket flight data or relevant hotel's house data from short message content,
B3. the user is from the received answer short message content of user mobile phone (3), air ticket or hotel's house data of each flight that is provided by billing and accounting system (2) are provided, select air ticket or required hotel's house data of moving in of required flight, pass selected data back billing and accounting system (2) with note, request billing and accounting system (2) is acted on behalf the air ticket of buying selected flight or is acted on behalf and subscribe selected hotel house
B4. billing and accounting system (2) is received the request charg`e d'affaires note that user mobile phone (3) is sent, find the data of user-selected ticket or selected hotel house from short message content, and calculate the air fare of this flight or the house cost of institute's reserving hotel, the amount of money of promptly paying the bill, from the incoming call number of note in the Account History of billing and accounting system (2), find user's personal information, comprise name, ID (identity number) card No., sex, age and user's bank card number, billing and accounting system (2) uses note to send the request payment information to affirmation system (1) immediately, the described request payment information comprises user's bank card number and Payment Amount
B5. the user at step B3 after note is acted on behalf in billing and accounting system (2) request of sending, in will be at the appointed time, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount, be 654321 for example with bank card password, Payment Amount is 1600 yuan, and the content of payment confirmation is exactly 654321#1600#, and wherein symbol # is used to separate bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
B6. confirm the incoming call number of the note of the request payment information that system (1) is received from step B4, find the bank account number of billing and accounting system (2) at the Account History of affirmation system (1), find user's bank card number and Payment Amount from the content of information, bank card number is checked with bank card number and Payment Amount among the step B5 mutually with Payment Amount, after the confirmation with the bank account number of billing and accounting system (2), Payment Amount, data transmissions such as user's bank card number and bank card password are to bank computer center (5) request payment
B7. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to billing and accounting system (2), and send the payment successful information to affirmation system (1)
B8. confirm that system (1) sends the payment successful information to billing and accounting system (2),
B9. after billing and accounting system (2) is received the payment successful information, handle the air ticket of buying selected flight or subscribe selected hotel house for the user immediately, and with the air ticket data of the flight bought or the data of reserving hotel house, send user mobile phone (3) to note, please he before flight takeoff, check in or check-in to the hotel on time with documentation of identity to the airport sales counter
B10. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
In embodiment one and embodiment two, the user purchases the air ticket with the name of oneself, air ticket only uses for user oneself, the user also can help other people to purchase the air ticket, as long as the person's that will take the aircraft personal information is added in steps A 3 or step B3 and is sent in the note of billing and accounting system (2) by user mobile phone (3), billing and accounting system (2) will be in steps A 9 or step B9, personal information with the person that takes the aircraft is handled the formality of purchasing the air ticket, and the user just can purchase the air ticket for others.
Consult Fig. 3, Fig. 3 is the structure that is applied in shopping online and the step key diagram of system and method for the present invention, it is a kind of system that utilizes Mobile Phone Payments to confirm, described system mainly comprises: affirmation system (1), user mobile phone (3), payment gateway (4), bank computer center (5), shopping website (6), Internet device (7)
Wherein, described shopping website (6) comprising: sell the website of air ticket, or website, reserving hotel room, or sell the website of commodity, or sell the website of service, or the Auction Site,
And, Internet device (7) be can line the computer of online, or mobile phone that can the line online, or devices such as PDA that can the line online.
Shopping website (6) is by internet and Internet device (7) line, and shopping website (6) is by internet and affirmation system (1) line.
Affirmation system (1) shown in Fig. 3, user mobile phone (3), payment gateway (4), bank computer center (5) partly, with affirmation system (1) among Fig. 1, user mobile phone (3), payment gateway (4), bank computer center (5) are partly identical, no longer repeat specification here.
Continue to consult Fig. 3, shown in Fig. 3 is the third embodiment of the present invention, is user's method and step with the payment that confirms phone when doing shopping on the net, has adopted following C group step,
C1. the user uses Internet device (7) shopping website (6) of surfing the Net, select the project of required purchase, and the Payment Informations such as bank card number of input oneself, data with the project of Payment Information and selected purchase, the data of promptly doing shopping, be sent to shopping website (6) by Internet device (7) and internet
C2. after shopping website (6) is received user's shopping data, find the project of bank card number and selected purchase from the shopping data content, calculate Payment Amount from the project of selected purchase, immediately advice of payment information is sent to Internet device (7) by the internet, notify subscriber-related Payment Amount, and please the user send the payment confirmation to affirmation system (1) at the appointed time
C3. shopping website (6) sends the request payment information to affirmation system (1), and the described request payment information comprises user's the bank card number and the bank account number of Payment Amount and shopping website (6),
C4. after the user receives the advice of payment information of shopping website (6) in step C2, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3), be 654321 for example with bank card password, Payment Amount is 500 yuan, and the content of payment confirmation is exactly 654321#500#, and wherein symbol # is used to separate bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
C5. the content of confirming the request payment information that system (1) is received from step C3 finds user's bank card number and Payment Amount, bank card number is checked with bank card number and Payment Amount among the step C4 mutually with Payment Amount, after the confirmation with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to payment gateway (4)
CA. payment gateway (4) with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to bank computer center (5) request payment,
CB. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to shopping website (6), and send the payment successful information to payment gateway (4)
C6. payment gateway (4) will be paid successful information and be forwarded to affirmation system (1),
C7. confirm that system (1) sends the payment successful information to shopping website (6),
C8. after shopping website (6) is received the payment successful information, handle the purchase selected item for the user immediately, and by the internet information is finished in transaction and be sent to Internet device (7), notify the transaction of user's project that he is bought to finish, shopping website (6) can be arranged relevant deliver goods matters
C9. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
Consult Fig. 4, Fig. 4 is the 4th embodiment of system and method for the present invention, the places different with embodiment three are not have payment gateway (4) in this example, affirmation system (1) can be arranged in the bank, and affirmation system (1) is direct and bank computer center (5) line, need not just can carry out the operation of relevant payment by payment gateway (4), advantage is relatively simple for structure, but can only use by the bank card that bank sent of this bank computer center (5) payment of doing shopping on the net, shown in Fig. 4 is user's method and step with the payment that confirms phone when doing shopping on the net, adopted following D group step
D1. the user uses Internet device (7) shopping website (6) of surfing the Net, select the project of required purchase, and the Payment Informations such as bank card number of input oneself, data with the project of Payment Information and selected purchase, the data of promptly doing shopping, be sent to shopping website (6) by Internet device (7) and internet
D2. after shopping website (6) is received user's shopping data, find the project of bank card number and selected purchase from the shopping data content, calculate Payment Amount from the project of selected purchase, immediately advice of payment information is sent to Internet device (7) by the internet, notify subscriber-related Payment Amount, and please the user send the payment confirmation to affirmation system (1) at the appointed time
D3. shopping website (6) sends the request payment information to affirmation system (1), and the described request payment information comprises user's the bank card number and the bank account number of Payment Amount and shopping website (6),
D4. after the user receives the advice of payment information of shopping website (6) in step D2, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3), be 654321 for example with bank card password, Payment Amount is 500 yuan, and the content of payment confirmation is exactly 654321#500#, and wherein symbol # is used to separate bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
D5. the content of confirming the request payment information that system (1) is received from step D3 finds user's bank card number and Payment Amount, bank card number is checked with bank card number and Payment Amount among the step D4 mutually with Payment Amount, after the confirmation with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to bank computer center (5)
D6. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to shopping website (6), and send the payment successful information to affirmation system (1)
D7. confirm that system (1) sends the payment successful information to shopping website (6),
D8. after shopping website (6) is received the payment successful information, handle the purchase selected item for the user immediately, and by the internet information is finished in transaction and be sent to Internet device (7), notify the transaction of user's project that he is bought to finish, shopping website (6) can be arranged relevant deliver goods matters
D9. send short messages to user mobile phone (3) by affirmation system (1) bank computer center (5), notifies the particulars of the expenditure of subscriber-related bank card.
Consult Fig. 5 and Fig. 6, Fig. 5 and Fig. 6 are further improved embodiment of the present invention, it is the invention of the having adopted me (Chinese patent application number: 200610062530.4) be further improved that " adopts the computer keyboard system and the corresponding input method of mechanical hand for emulating human hand input ", can improve security of the present invention, present embodiment is substantially the same with structure and the step of embodiment two and embodiment four, difference is to have adopted bank computer terminal (8-1), terminal keyboards (8-2), mechanical arm (8-3), keyboard simulator (8-4), wherein, affirmation system (1) uses mechanical arm (8-3) that data is input to bank computer terminal (8-1) and bank computer center (5) by terminal keyboards (8-2); Or affirmation system (1) arrives bank computer terminal (8-1) and bank computer center (5) by keyboard simulator (8-4) with data input.Because mechanical arm (8-3) and terminal keyboards (8-2) have only linking mechanically, there is not the line on the electronic signal, be to use the physical isolation mode to isolate, provide than the more effective isolation of firewall software, be a kind of effective isolation, fast again, convenient again, safety is not afraid of affirmation system (1) yet bank computer center (5) is carried out illegal operation again.
The method of operating of the embodiment of Fig. 5 and Fig. 6 and step, identical with embodiment two basically with embodiment four, no longer repeat specification here.
Further, the present invention can adopt my invention " to transmit sign indicating number and add encryption transfer approach and the system that formula equals bank cipher that make by oneself " and be further improved, the user sets one in advance and makes formula by oneself in affirmation system (1), and the user being sent to bank card password in the payment confirmation of affirmation system (1) changes to and transmits sign indicating number, receive user's payment confirmation when affirmation system (1) after, find the transmission sign indicating number from the information content, with user's the bank card password that transmission sign indicating number that formula will receive is reduced to the user of making by oneself, just bank card password is sent to bank computer center (5) then immediately.Adopt the transmission sign indicating number can further strengthen security of the present invention, and the user is not afraid of in transport process the unexpected leakage of password, for example the confirmation mistake is dealt into other telephone numbers, because transmitting sign indicating number is not bank cipher, only the transmission sign indicating number that sends with user mobile phone (3) just can be identified system (1) reception, even stolen card number and transmitted sign indicating number by the people, also duplicated false card, there is not user's the mobile phone just can not successful bankcard consumption.The relevant particulars that transmit sign indicating number can be consulted the instructions of " transmit sign indicating number and add encryption transfer approach and the system that formula equals bank cipher that make by oneself ".
System and method of the present invention is extremely characteristic, make mobile phone open up new application, except the above examples of implementation of lifting, also applicable to the application of various payments, as long as the account payment system that billing and accounting system (2) that will be wherein or shopping website (6) change to other trade companies, just can use system and method for the present invention, comprise the shopping online payment, network gaming is supplemented payment with money, the TV shopping payment, phonecard is supplemented payment with money, the charging intelligent card payment, Bus Card is supplemented the application of aspects such as payment with money, for users provide reliably payment system and method easily.
Claims (11)
1. the utilization telecommunication method of payment that confirms phone, described method adopts the mode that is divided into two that payment information is divided into two, be divided into accounts information and confirmation two partly, then respectively by two different transmission approach, accounts information and confirmation are sent to bank computer center (5) respectively with user mobile phone (3), pay in the account of described bank card account number according to payment information by bank computer center (5), and described confirmation comprises bank card password and Payment Amount, described accounts information comprises bank card account number and Payment Amount, and described bank card comprises credit card, button account card, debit card, ATM card, bank account etc.
2. utilize the telecommunication method of the payment that confirms phone according to claim 1, it is characterized in that, the transmission approach that described confirmation is used is to be sent to bank computer center (5) by user mobile phone (3) by affirmation system (1), payment gateway (4), and the employed transmission approach of described accounts information is to be sent to bank computer center (5) by user mobile phone (3) by billing and accounting system (2), affirmation system (1), payment gateway (4).
3. the utilization system of payment that confirms phone, described system mainly comprises:
Affirmation system (1), billing and accounting system (2), user mobile phone (3), payment gateway (4), bank computer center (5), wherein,
Affirmation system (1) is the device that a computer system adds communication device, be responsible for to handle and examine the payment information that sends from user mobile phone (3) and billing and accounting system (2), according to the payment information content, by payment gateway (4) and bank computer center (5) in accounts such as user's credit card, debit card, ATM card, bank account, deducting money transfer accounts the gathering trade company bank account
Billing and accounting system (2) is the device that a computer system adds communication device, and responsible process user is purchased the air ticket and relevant inquiry and the transaction of ordering the hotel,
User mobile phone (3) is user's oneself mobile phone or a PDA mobile phone, is responsible for transmitting information and payment confirmation, and receives the information of sending by billing and accounting system (2) and affirmation system (1) about purchasing the air ticket,
Payment gateway (4), it is the payment of bank card disposal system, be responsible for to handle the request payment information that affirmation system (1) is sent, according to the described information content by bank computer center (5) bank account of trade company of collecting money of transferring accounts to of deducting money in user's the bank card account
Bank computer center (5) is the bank account computer system of issuing bank.
4. as the confirm phone system of payment of utilization as described in the claim 3, it is characterized in that, affirmation system (1) built-in mobile phone (1-1) as with the communication tool of user mobile phone (3) and billing and accounting system (2), mobile phone (1-1) is mainly used in reception from user mobile phone (3) affirmation information of sending and data from relevant transaction expenditure to user mobile phone (3) that send, and receive the request payment information that sent from billing and accounting system (2) and send the payment successful information to billing and accounting system (2)
And,
The built-in short message receiving-transmitting device of billing and accounting system (2) (2-1), short message receiving-transmitting device (2-1) is as the communication tool of billing and accounting system (2) with user mobile phone (3) and affirmation system (1), billing and accounting system (2) receives the relevant booking information of sending from user mobile phone (3) by short message receiving-transmitting device (2-1), with send information to user mobile phone (3), with send the request payment information to affirmation system (1), with the payment successful information that reception is sent by affirmation system (1), described short message receiving-transmitting device (2-1) is the computer system that mobile phone or PDA mobile phone maybe can receive and send note.
5. the utilization telecommunication method of payment that confirms phone, described method adopt as system as described in claim 3 or 4, and particularly, described method has adopted the step of the device that user mobile phone (3) confirms as payment.
6. as the confirm phone telecommunication method of payment of utilization as described in claim 1 or 2 or 5, adopted following A group step,
A1. user's hotel's house data that the air ticket of required purchase maybe will be subscribed sends to billing and accounting system (2) with user mobile phone (3) with note,
A2. after billing and accounting system (2) is received note, know the required queried for items of user,, give user mobile phone (3) with message reply with relevant air ticket flight data or relevant hotel's house data from short message content,
A3. the user is from the received answer short message content of user mobile phone (3), air ticket or hotel's house data of each flight that is provided by billing and accounting system (2) are provided, select air ticket or required hotel's house data of moving in of required flight, pass selected data back billing and accounting system (2) with note, request billing and accounting system (2) is acted on behalf the air ticket of buying selected flight or is acted on behalf and subscribe selected hotel house
A4. billing and accounting system (2) is received the request charg`e d'affaires note that user mobile phone (3) is sent, find the data of user-selected ticket or selected hotel house from short message content, and calculate the air fare of this flight or the house cost of institute's reserving hotel, the amount of money of promptly paying the bill, from the incoming call number of note in the Account History of billing and accounting system (2), find user's personal information, comprise name, ID (identity number) card No., sex, age and user's bank card number, billing and accounting system (2) uses note to send the request payment information to affirmation system (1) immediately, the described request payment information comprises user's bank card number and Payment Amount
A5. the user in steps A 3 after note is acted on behalf in billing and accounting system (2) request of sending, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
A6. confirm the incoming call number of the note of the request payment information that system (1) is received from steps A 4, find the bank account number of billing and accounting system (2) at the Account History of affirmation system (1), find user's bank card number and Payment Amount from the content of information, bank card number is checked with bank card number and Payment Amount in the steps A 5 mutually with Payment Amount, after the confirmation with the bank account number of billing and accounting system (2), Payment Amount, data transmissions such as user's bank card number and bank card password are to payment gateway (4)
AA. payment gateway (4) with data transmissions such as the bank account number of billing and accounting system (2), Payment Amount, user's bank card number and bank card password to bank computer center (5) request payment,
AB. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to billing and accounting system (2), and send the payment successful information to payment gateway (4)
A7. payment gateway (4) will be paid successful information and be forwarded to affirmation system (1),
A8. confirm that system (1) sends the payment successful information to billing and accounting system (2),
A9. after billing and accounting system (2) is received the payment successful information, handle the air ticket of buying selected flight or subscribe selected hotel house for the user immediately, and with the air ticket data of the flight bought or the data of reserving hotel house, send user mobile phone (3) to note, please he before flight takeoff, check in or check-in to the hotel on time with documentation of identity to the airport sales counter
A10. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
7. as the confirm phone telecommunication method of payment of utilization as described in claim 1 or 2 or 5, adopted following B group step,
B1. user's hotel's house data that the air ticket of required purchase maybe will be subscribed sends to billing and accounting system (2) with user mobile phone (3) with note,
B2. after billing and accounting system (2) is received note, know the required queried for items of user,, give user mobile phone (3) with message reply with relevant air ticket flight data or relevant hotel's house data from short message content,
B3. the user is from the received answer short message content of user mobile phone (3), air ticket or hotel's house data of each flight that is provided by billing and accounting system (2) are provided, select air ticket or required hotel's house data of moving in of required flight, pass selected data back billing and accounting system (2) with note, request billing and accounting system (2) is acted on behalf the air ticket of buying selected flight or is acted on behalf and subscribe selected hotel house
B4. billing and accounting system (2) is received the request charg`e d'affaires note that user mobile phone (3) is sent, find the data of user-selected ticket or selected hotel house from short message content, and calculate the air fare of this flight or the house cost of institute's reserving hotel, the amount of money of promptly paying the bill, from the incoming call number of note in the Account History of billing and accounting system (2), find user's personal information, comprise name, ID (identity number) card No., sex, age and user's bank card number, billing and accounting system (2) uses note to send the request payment information to affirmation system (1) immediately, the described request payment information comprises user's bank card number and Payment Amount
B5. the user at step B3 after note is acted on behalf in billing and accounting system (2) request of sending, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
B6. confirm the incoming call number of the note of the request payment information that system (1) is received from step B4, find the bank account number of billing and accounting system (2) at the Account History of affirmation system (1), find user's bank card number and Payment Amount from the content of information, bank card number is checked with bank card number and Payment Amount among the step B5 mutually with Payment Amount, after the confirmation with the bank account number of billing and accounting system (2), Payment Amount, data transmissions such as user's bank card number and bank card password are to bank computer center (5) request payment
B7. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to billing and accounting system (2), and send the payment successful information to affirmation system (1)
B8. confirm that system (1) sends the payment successful information to billing and accounting system (2),
B9. after billing and accounting system (2) is received the payment successful information, handle the air ticket of buying selected flight or subscribe selected hotel house for the user immediately, and with the air ticket data of the flight bought or the data of reserving hotel house, send user mobile phone (3) to note, please he before flight takeoff, check in or check-in to the hotel on time with documentation of identity to the airport sales counter
B10. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
8. system that utilizes Mobile Phone Payments to confirm, described system mainly comprises:
Affirmation system (1), user mobile phone (3), payment gateway (4), bank computer center (5), and shopping website (6), Internet device (7),
Wherein, described shopping website (6) comprising: sell the website of air ticket, or website, reserving hotel room, or sell the website of commodity, or sell the website of service, or the Auction Site,
And, Internet device (7) be can line the computer of online, or mobile phone that can the line online, or devices such as PDA that can the line online.
9. the utilization telecommunication method of payment that confirms phone, described method adopt as system as described in the claim 8, and comprise and adopted following C group step,
C1. the user uses Internet device (7) shopping website (6) of surfing the Net, select the project of required purchase, and the Payment Informations such as bank card number of input oneself, data with the project of Payment Information and selected purchase, the data of promptly doing shopping, be sent to shopping website (6) by Internet device (7) and internet
C2. after shopping website (6) is received user's shopping data, find the project of bank card number and selected purchase from the shopping data content, calculate Payment Amount from the project of selected purchase, immediately advice of payment information is sent to Internet device (7) by the internet, notify subscriber-related Payment Amount, and please the user send the payment confirmation to affirmation system (1) at the appointed time
C3. shopping website (6) sends the request payment information to affirmation system (1), and the described request payment information comprises user's the bank card number and the bank account number of Payment Amount and shopping website (6),
C4. after the user receives the advice of payment information of shopping website (6) in step C2, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
C5. the content of confirming the request payment information that system (1) is received from step C3 finds user's bank card number and Payment Amount, bank card number is checked with bank card number and Payment Amount among the step C4 mutually with Payment Amount, after the confirmation with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to payment gateway (4)
CA. payment gateway (4) with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to bank computer center (5) request payment,
CB. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to shopping website (6), and send the payment successful information to payment gateway (4)
C6. payment gateway (4) will be paid successful information and be forwarded to affirmation system (1),
C7. confirm that system (1) sends the payment successful information to shopping website (6),
C8. after shopping website (6) is received the payment successful information, handle the purchase selected item for the user immediately, and by the internet information is finished in transaction and be sent to Internet device (7), notify the transaction of user's project that he is bought to finish, shopping website (6) can be arranged relevant deliver goods matters
C9. confirm that system (1) sends short messages to user mobile phone (3), notifies the particulars of the expenditure of subscriber-related bank card.
10. the utilization telecommunication method of payment that confirms phone, described method adopt as system as described in the claim 8, and comprise and adopted following D group step,
D1. the user uses Internet device (7) shopping website (6) of surfing the Net, select the project of required purchase, and the Payment Informations such as bank card number of input oneself, data with the project of Payment Information and selected purchase, the data of promptly doing shopping, be sent to shopping website (6) by Internet device (7) and internet
D2. after shopping website (6) is received user's shopping data, find the project of bank card number and selected purchase from the shopping data content, calculate Payment Amount from the project of selected purchase, immediately advice of payment information is sent to Internet device (7) by the internet, notify subscriber-related Payment Amount, and please the user send the payment confirmation to affirmation system (1) at the appointed time
D3. shopping website (6) sends the request payment information to affirmation system (1), and the described request payment information comprises user's the bank card number and the bank account number of Payment Amount and shopping website (6),
D4. after the user receives the advice of payment information of shopping website (6) in step D2, be at the appointed time in, use user mobile phone (3) to send the payment confirmation to affirmation system (1), described payment confirmation comprises bank card password and Payment Amount; The user can be sent to affirmation system (1) with the note confirmation of will paying the bill by user mobile phone (3); Or telephone number is confirmed in the payment that the user uses user mobile phone (3) to dial affirmation system (1), after putting through phone and answering by affirmation system (1), the payment confirmation of user button input bank card password and Payment Amount etc. on the keyboard of user mobile phone (3); Affirmation system (1) finds user's bank card number from the telephone number of the incoming call of the incoming call number of note or user mobile phone (3) at the Account History of affirmation system (1);
D5. the content of confirming the request payment information that system (1) is received from step D3 finds user's bank card number and Payment Amount, bank card number is checked with bank card number and Payment Amount among the step D4 mutually with Payment Amount, after the confirmation with data transmissions such as the bank account number of shopping website (6), Payment Amount, user's bank card number and bank card password to bank computer center (5)
D6. bank computer center (5) check bank card number, bank card password, Payment Amount and this bank card account surplus errorless after, bank account from the money of user's the bank card account accounting payment amount of money to shopping website (6), and send the payment successful information to affirmation system (1)
D7. confirm that system (1) sends the payment successful information to shopping website (6),
D8. after shopping website (6) is received the payment successful information, handle the purchase selected item for the user immediately, and by the internet information is finished in transaction and be sent to Internet device (7), notify the transaction of user's project that he is bought to finish, shopping website (6) can be arranged relevant deliver goods matters
D9. send short messages to user mobile phone (3) by affirmation system (1) bank computer center (5), notifies the particulars of the expenditure of subscriber-related bank card.
11. as claim 1 or 2 or 3 or 4 or 8 described systems, it is characterized in that having adopted bank computer terminal (8-1), terminal keyboards (8-2), mechanical arm (8-3), keyboard simulator (8-4), wherein, affirmation system (1) uses mechanical arm (8-3) that data is input to bank computer terminal (8-1) and bank computer center (5) by terminal keyboards (8-2); Or affirmation system (1) arrives bank computer terminal (8-1) and bank computer center (5) by keyboard simulator (8-4) with data input.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100628783A CN101154280A (en) | 2006-09-29 | 2006-09-29 | Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100628783A CN101154280A (en) | 2006-09-29 | 2006-09-29 | Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101154280A true CN101154280A (en) | 2008-04-02 |
Family
ID=39255924
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100628783A Pending CN101154280A (en) | 2006-09-29 | 2006-09-29 | Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101154280A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101867895A (en) * | 2009-09-01 | 2010-10-20 | 深圳市安捷信联科技有限公司 | Consumption method based on mobile terminal and messages, mobile terminal and business system |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
| CN103020819A (en) * | 2012-11-28 | 2013-04-03 | 关志松 | Mobile payment method and system |
| CN104169952A (en) * | 2013-12-25 | 2014-11-26 | 华为技术有限公司 | Network payment method, device and system |
| CN108289148A (en) * | 2018-01-18 | 2018-07-17 | 上海爱优威软件开发有限公司 | Concealed dialog process method and system |
-
2006
- 2006-09-29 CN CNA2006100628783A patent/CN101154280A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101964125B (en) * | 2009-07-24 | 2014-05-21 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101867895A (en) * | 2009-09-01 | 2010-10-20 | 深圳市安捷信联科技有限公司 | Consumption method based on mobile terminal and messages, mobile terminal and business system |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
| CN103020819A (en) * | 2012-11-28 | 2013-04-03 | 关志松 | Mobile payment method and system |
| CN104169952A (en) * | 2013-12-25 | 2014-11-26 | 华为技术有限公司 | Network payment method, device and system |
| US10387856B2 (en) | 2013-12-25 | 2019-08-20 | Huawei Technologies Co., Ltd. | Online payment method, system, and apparatus |
| CN108289148A (en) * | 2018-01-18 | 2018-07-17 | 上海爱优威软件开发有限公司 | Concealed dialog process method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11875317B2 (en) | Electronic money transfer method and system for the same | |
| CN102859544B (en) | The system and method paid for using mobile device to be traded | |
| CN102754115B (en) | remote variable authentication processing | |
| KR101078173B1 (en) | Assured payment system using mobile phones and the payment system, payment methods using | |
| KR20100060707A (en) | Patment and authorization, settlement and membership joining method, device and system by purchaser using mobile communication terminal | |
| CN101853458A (en) | Method for realizing mobile payment in mobile internet sales | |
| CN101840549A (en) | System and method for realizing mobile payment in internet sales | |
| KR20020007973A (en) | Method for depositing through the mobile phone terminal | |
| CN101238482A (en) | Electronic settlement system, method therefor, settlement server used therein, communication terminal, and program | |
| CN101154280A (en) | Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone | |
| JP2002183443A (en) | Settlement system by cellular phone | |
| JP6420334B2 (en) | How to operate a delivery service system | |
| KR20030082090A (en) | System and method of electronic payment | |
| KR20120100283A (en) | System and method for electronic payment | |
| JP4071445B2 (en) | Transaction mediation system, transaction mediation apparatus and program | |
| JP5822627B2 (en) | Electronic money settlement system, portable terminal, electronic money server, and electronic money settlement method | |
| KR20180089136A (en) | Electronic transation method and system using virtual payment information | |
| KR100897498B1 (en) | Total finance service system in ubiquitous environment | |
| JP2002259878A (en) | Method for surrogate collection of bill | |
| CN103577980A (en) | Wireless payment change returning system and corresponding method | |
| CN103903367B (en) | A kind of financial IC card air storage method being embedded into mobile terminal and system | |
| CN103430199B (en) | Secure payment system using a mobile phone, and payment method using same | |
| CN105247549A (en) | Secure payment system and method for bank card by using real-time communication | |
| KR20100120632A (en) | Patment and authorization, settlement and membership joining method, device and system by purchaser using mobile communication terminal | |
| JP2003006549A (en) | Cash payment system and method by using portable telephone loaded with fingerprint authentication device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20080402 |