CN101364330A - Mobile telephone payment system and method based on third party clearing - Google Patents
Mobile telephone payment system and method based on third party clearing Download PDFInfo
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- CN101364330A CN101364330A CNA2008102229310A CN200810222931A CN101364330A CN 101364330 A CN101364330 A CN 101364330A CN A2008102229310 A CNA2008102229310 A CN A2008102229310A CN 200810222931 A CN200810222931 A CN 200810222931A CN 101364330 A CN101364330 A CN 101364330A
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Abstract
The invention relates to a mobile phone payment system and method based on the third-party clearing, which adopts the China UnionPay as the fund clearing house to provide the mobile phone payment service based on the prior bank account system, so that the mobile payment service provider who doesn't have the clearing certification or provide the fund clearing service can provide the mobile phone payment service. Therefore, the mobile phone payment system and method is significant in promoting the diversification of the mobile payment and promoting the development of the mobile payment service.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly based on the system and method for the mobile phone paying of third party clearance.The present invention on the basis as liquidation organization, provides the system and method for realizing mobile payment with Unionpay or bank.
Background technology
In present mobile payment field, adopt the Mobile Directory Number mode related that mobile payment service is provided, i.e. the instruction of the payment of sending according to mobile phone, the process of paying from the Bank Account Number of the number association of described mobile phone with Bank Account Number.Existing mobile payment technology is based on the realization of mobile payment server, service data library in the described mobile payment server, the corresponding relation of described data base administration Mobile Directory Number and Bank Account Number, the network interconnection of described mobile payment server and telecom operators, be used for carrying out alternately with mobile phone, the payment instruction that special collection mobile phone sends, the trading server interconnection of described mobile payment server and Unionpay, be used to finish the Bank Account Number of Mobile Directory Number association is served trade company to mobile payment process of exchange, and mobile payment is served trade company and is finished fund clearing with mobile payment service trade company, thereby require mobile payment to serve the fund clearing qualification that trade company has People's Bank of China's approval, and the commercial silver provisional capital of present China Unionpay and People's Bank of China's approval have the fund clearing qualification.The inventor thinks: if carry out fund clearing by the commercial bank of China Unionpay or People's Bank of China's approval, and the only responsible payment process of trade company is served in mobile payment, then help promoting the flourishing and development of mobile payment service, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, the demand that people pay by mobile phone also presents the trend that rises day by day gradually.Therefore, the prosperity mobile payment service is the scientific research task that the technician faces to satisfy people's convenient payment demand, also is the service item that the financial field need provide as early as possible.
Existing computer technology, network technology and mobile communication technology, the technical conceive that makes that the inventor proposes first based on the mobile phone paying of third party's clearance had realize may, that is to say to setting up provides the operation system based on the mobile phone paying of third party's clearance that technical support is provided to the user.Therefore, the notion based on the mobile phone paying of third party clearance that proposes first of the inventor has obtained establishment.
Do not retrieve at present relevant patent documentation as yet about the mobile phone paying of clearing based on the third party.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, system and method based on the mobile phone paying of third party clearance is provided, adopts this system to make not have the fund clearing qualification or the mobile payment operator of the clearing operation of not providing with funds carries out mobile phone paying business etc.
Technical scheme of the present invention is as follows:
Mobile phone paying system based on the interchanger pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, Unionpay's transaction gateway equipment, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; Unionpay's transaction gateway equipment is used to realize transferring accounts between bank account and the interchanger account by data network and the interconnection of mobile phone paying database server; Described mobile phone paying database server is the Computer Database application server, be used to the mobile phone user to open the interchanger number of the account, and set up corresponding relation between interchanger number of the account and the Bank Account Number, set up the corresponding relation between Mobile Directory Number and the interchanger number of the account, Payment Request instruction according to mobile telephone terminal, the bank account that realizes the mobile telephone terminal number is transferred accounts to the interchanger number of the account, finishes described interchanger number of the account transferring accounts to the number of the account of mobile payment trade company then; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay's transaction gateway equipment to the interchanger number of the account, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
Mobile phone paying system based on the bank card pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, the bank transaction gateway device, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; The bank transaction gateway device is by the interconnection of data network and mobile phone paying database server, is used to realize bank card account transferring accounts to the number of the account of mobile payment trade company; Described mobile phone paying database server is the Computer Database application server, be used to set up the corresponding relation between Mobile Directory Number and the bank card account number, according to the instruction of the Payment Request of mobile telephone terminal, the bank account that realizes the mobile telephone terminal number is transferred accounts to the number of the account of mobile payment trade company; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to the bank transaction gateway device to the number of the account of described trade company, the bank transaction gateway device returns to described mobile phone paying database server to operating result, and the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal.
Mobile phone paying system based on the special-purpose number of the account pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, the bank transaction gateway device, Unionpay's transaction gateway equipment, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; The bank transaction gateway device is by the interconnection of data network and mobile phone paying database server, is used to realize bank card account transferring accounts to the mobile payment specified account of described bank card ownership bank; Unionpay's transaction gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize mobile payment specified account transferring accounts to the number of the account of mobile payment trade company; Described mobile phone paying database server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation between Mobile Directory Number and described user's the bank card account number, Payment Request instruction according to mobile telephone terminal, the bank card account of realizing mobile telephone terminal number correspondence belongs to the transferring accounts of mobile payment specified account of bank to described bank card, finish described mobile payment specified account transferring accounts then to the number of the account of mobile payment trade company, wherein, the special bank card number of the account that is used for carrying out mobile payment opened in bank of the described mobile payment specified account operator that is the mobile phone paying database server in described bank; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate described bank card account belongs to the mobile payment specified account of bank to described bank card the operation of transferring accounts to the bank transaction gateway device of described bank card ownership, described bank transaction gateway device returns to described mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described mobile payment specified account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
Implementation method based on the mobile phone paying of the interchanger pattern of third party clearance is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, offer user's interchanger number of the account, and this interchanger number of the account and this user's a bank card account and this user's a mobile communication number are set up corresponding relation;
When mobile telephone terminal by Mobile Access Gateway equipment when the mobile phone paying database server is initiated designated amounts to the transfer request of appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay's transaction gateway equipment to the interchanger number of the account, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
Implementation method based on the mobile phone paying of the bank card pattern of third party clearance is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, user's a bank card account and this user's a mobile communication number are set up corresponding relation;
When mobile telephone terminal is initiated designated amounts to the Payment Request of specifying trade company by Mobile Access Gateway equipment to the mobile phone paying database server, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to the bank transaction gateway device to the number of the account of described trade company, the bank transaction gateway device returns to described mobile phone paying database server to operating result, and the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal.
Implementation method based on the mobile phone paying of the special-purpose number of the account pattern of third party clearance is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, set up a corresponding relation between described user's mobile phone number and described user's the bank card account number for the mobile phone user;
In the account system of the bank that mobile payment service is provided, set up the special bank card number of the account of mobile payment operator;
When mobile telephone terminal passes through Mobile Access Gateway equipment when mobile phone paying database server initiation designated amounts is asked to propping up of appointment trade company is negative, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate described bank card account belongs to the mobile payment specified account of bank to described bank card the operation of transferring accounts to the bank transaction gateway device of described bank card ownership, the bank transaction gateway device returns to the mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described mobile payment specified account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
Technique effect of the present invention is as follows:
The present invention is on the basis of existing bank account system, with the China Unionpay is fund clearing mechanism, mobile payment service is provided, thereby make the mobile payment operator that does not clear qualification or do not provide with funds clearing operation can carry out mobile phone paying business etc., thereby have tangible value at aspects such as promoting mobile payment diversification and prosperity mobile payment service.
Description of drawings
Fig. 1 is the implementation structure synoptic diagram of mobile phone paying system that the present invention is based on the interchanger pattern of third party clearance.
Fig. 2 is the implementation structure synoptic diagram of mobile phone paying system that the present invention is based on the Bank Account Number pattern of third party clearance.
Fig. 3 is the implementation structure synoptic diagram of mobile phone paying system that the present invention is based on the special-purpose number of the account pattern of third party clearance.
Fig. 4 is the mobile phone paying system construction drawing based on the interchanger pattern of third party clearance of the embodiment of the invention one.
Fig. 5 is the mobile phone paying system construction drawing based on the special-purpose number of the account pattern of third party clearance of the embodiment of the invention two.
Embodiment
Fig. 1 is based on the implementation structure synoptic diagram of mobile phone paying system of the interchanger pattern of third party clearance, wherein:
Mobile phone paying database server 100 is by data network and Mobile Access Gateway equipment 110 and 130 interconnection of Unionpay's transaction gateway equipment;
Adopt TCP/IP to communicate between mobile phone paying database server 100 and the Unionpay's transaction gateway equipment 130, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue.
Following is under Fig. 1 system architecture, and based on the implementation method of the mobile phone paying of the interchanger pattern of third party clearance, step comprises:
In the database of mobile phone paying database server 100, offer user's interchanger number of the account, and this interchanger number of the account and this user's a bank card account and this user's a mobile communication number are set up corresponding relation;
When mobile telephone terminal 120 by Mobile Access Gateway equipment 110 when mobile phone paying database server 100 is initiated designated amounts to the transfer request of appointment trade company, mobile phone paying database server 100 retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay's transaction gateway equipment 130 to the interchanger number of the account, Unionpay's transaction gateway equipment 130 returns to mobile phone paying database server 100 to operating result, if transfer accounts successfully, then mobile phone paying database server 100 is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay's transaction gateway equipment 130, Unionpay's transaction gateway equipment 130 returns to mobile phone paying database server 100 to operating result, mobile phone paying database server 100 sends described response result information of transferring accounts to mobile telephone terminal 120, otherwise mobile phone paying database server 100 sends the unsuccessful response result information of payment to mobile telephone terminal 120.
Fig. 2 is based on the mobile phone paying system of the bank card pattern of third party clearance, the implementation structure synoptic diagram, wherein:
Mobile phone paying database server 100 is by data network and Mobile Access Gateway equipment 110 and 140 interconnection of bank transaction gateway device;
Adopt TCP/IP to communicate between mobile phone paying database server 100 and the Unionpay's transaction gateway equipment 140, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue.
Following is under Fig. 2 system architecture, and based on the implementation method of the mobile phone paying of the bank card pattern of third party clearance, step comprises:
In the database of mobile phone paying database server 100, user's bank card account and this user's a mobile communication number is set up corresponding relation;
Fig. 3 is based on the implementation structure synoptic diagram of mobile phone paying system of the special-purpose number of the account pattern of third party clearance, wherein:
Mobile phone paying database server 100 is by data network and Mobile Access Gateway equipment 110, Unionpay's transaction gateway equipment 130 and 140 interconnection of bank transaction gateway;
Adopt TCP/IP to communicate between mobile phone paying database server 100 and the Unionpay's transaction gateway equipment 130, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Adopt TCP/IP to communicate between mobile phone paying database server 100 and the bank transaction gateway 140, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue.
Following is under Fig. 3 system architecture, and the implementation method based on the mobile phone paying of the special-purpose number of the account pattern of third party clearance is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server 110, set up a corresponding relation between described user's mobile phone number and described user's the bank card account number for the mobile phone user;
In the account system of the bank that mobile payment service is provided, set up the special bank card number of the account of mobile payment operator;
When mobile telephone terminal 120 by Mobile Access Gateway equipment 110 when mobile phone paying database server 100 is initiated designated amounts to the Payment Request of appointment trade company, mobile phone paying database server 100 retrieves after its corresponding bank card account number according to the telephone number of mobile telephone terminal 120, bank transaction gateway device 140 to described bank card ownership is initiated described bank card account belongs to the mobile payment specified account of bank to described bank card the operation of transferring accounts, bank transaction gateway device 140 returns to mobile phone paying database server 100 to operating result, if transfer accounts successfully, then mobile phone paying database server 100 is initiated the transfer accounts operation of described mobile payment specified account to the number of the account of described trade company to Unionpay's transaction gateway equipment 130, Unionpay's transaction gateway equipment 130 returns to mobile phone paying database server 100 to operating result, mobile phone paying database server 100 sends described response result information of transferring accounts to mobile telephone terminal 120, otherwise mobile phone paying database server 100 sends the unsuccessful response result information of payment to mobile telephone terminal 120.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 4, Fig. 4 is the system construction drawing based on the mobile phone paying of the interchanger pattern of third party clearance of embodiments of the invention one, wherein:
Unionpay's transaction gateway equipment is the bank card business dealing main frame 230 of Unionpay's machine room;
Preferably, mobile telephone terminal 120 sends payment instruction to the mobile payment service access code by short message, this short message sends to Mobile Access Gateway 110 through mobile communications network, and Mobile Access Gateway 110 sends to mobile phone paying database server 100 to this short message;
Preferably, mobile telephone terminal 120 is by dialing the mobile payment service access code additional transactions amount of money, this message related to calls sends to Mobile Access Gateway 110 through mobile communications network, and Mobile Access Gateway 110 sends to mobile phone paying database server 100 to this message;
Preferably, mobile telephone terminal 120 is operated through mobile communications network login mobile payment WAP page by the WAP mode;
Preferably, mobile phone paying database server 100 sends to user's mobile phone terminal 120 to payment result by short message;
Preferably, mobile phone paying database server 100 sends to user's mobile phone terminal 120 to payment result by the multimedia message handle;
Preferably, the user brushes bank card by POS, after input Mobile Directory Number and the interchanger number of the account, send mobile payment by bank card business dealing main frame 230 and open an account order to mobile phone paying database server 100, mobile phone paying database server 100 is set up the corresponding relation of described interchanger number of the account, Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
Preferably, the user is by dialing mobile payment voice access code, send mobile phone paying database server 100 to gather the data such as bank's card number, password, interchanger number of user's telephone number and its input by Mobile Access Gateway 110 after, mobile phone paying database server 100 is set up the corresponding relation of described interchanger number of the account, Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
The following is the consumer sale flow process of the embodiment of the invention one:
Consult Fig. 5, Fig. 5 is the system construction drawing based on the mobile phone paying of the special-purpose number of the account pattern of third party clearance of embodiments of the invention two, wherein:
The operator of mobile phone paying database server 100 is a China Mobile;
Unionpay's transaction gateway equipment is the bank card business dealing main frame 230 of Unionpay's machine room;
Bank transaction gateway device 140 is made of the bank card business dealing main frame 1400 of the National Industrial and Commercial Bank of China and the transaction main frame 1401 of China Construction Bank, and in the present embodiment promptly, the National Industrial and Commercial Bank of China and China Construction Bank have opened mobile payment service;
China Mobile has offered the special-purpose number of the account of a mobile payment in the National Industrial and Commercial Bank of China, has offered the special-purpose number of the account of a mobile payment in China Construction Bank;
Preferably, the user of the National Industrial and Commercial Bank of China or China Construction Bank brushes bank card by POS, behind the input Mobile Directory Number, send mobile payment by bank card business dealing main frame 230 and open an account order to mobile phone paying database server 100, mobile phone paying database server 100 is set up the corresponding relation of Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
Preferably, the user of the National Industrial and Commercial Bank of China or China Construction Bank is by dialing mobile payment voice access code, send mobile phone paying database server 100 to gather the data such as bank's card number, password of user's telephone number and its input by Mobile Access Gateway 110 after, mobile phone paying database server 100 is set up the corresponding relation of Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
The following is the embodiment of the invention two, mobile telephone terminal 120 has been set up the bank card account number of its telephone number and the National Industrial and Commercial Bank of China and has been set up corresponding relation in mobile phone paying database server 100, and its consumer sale flow process is as follows:
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (6)
1. based on the mobile phone paying system of the interchanger pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, Unionpay's transaction gateway equipment, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; Unionpay's transaction gateway equipment is used to realize transferring accounts between bank account and the interchanger account by data network and the interconnection of mobile phone paying database server; Described mobile phone paying database server is the Computer Database application server, be used to the mobile phone user to open the interchanger number of the account, and set up corresponding relation between interchanger number of the account and the Bank Account Number, set up the corresponding relation between Mobile Directory Number and the interchanger number of the account, Payment Request instruction according to mobile telephone terminal, the bank account that realizes the mobile telephone terminal number is transferred accounts to the interchanger number of the account, finishes described interchanger number of the account transferring accounts to the number of the account of mobile payment trade company then; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay's transaction gateway equipment to the interchanger number of the account, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
2. based on the mobile phone paying system of the bank card pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, the bank transaction gateway device, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; The bank transaction gateway device is by the interconnection of data network and mobile phone paying database server, is used to realize bank card account transferring accounts to the number of the account of mobile payment trade company; Described mobile phone paying database server is the Computer Database application server, be used to set up the corresponding relation between Mobile Directory Number and the bank card account number, according to the instruction of the Payment Request of mobile telephone terminal, the bank account that realizes the mobile telephone terminal number is transferred accounts to the number of the account of mobile payment trade company; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to the bank transaction gateway device to the number of the account of described trade company, the bank transaction gateway device returns to described mobile phone paying database server to operating result, and the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal.
3. based on the mobile phone paying system of the special-purpose number of the account pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, the bank transaction gateway device, Unionpay's transaction gateway equipment, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal; The bank transaction gateway device is by the interconnection of data network and mobile phone paying database server, is used to realize bank card account transferring accounts to the mobile payment specified account of described bank card ownership bank; Unionpay's transaction gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize mobile payment specified account transferring accounts to the number of the account of mobile payment trade company; Described mobile phone paying database server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation between Mobile Directory Number and described user's the bank card account number, Payment Request instruction according to mobile telephone terminal, the bank card account of realizing mobile telephone terminal number correspondence belongs to the transferring accounts of mobile payment specified account of bank to described bank card, finish described mobile payment specified account transferring accounts then to the number of the account of mobile payment trade company, wherein, the special bank card number of the account that is used for carrying out mobile payment opened in bank of the described mobile payment specified account operator that is the mobile phone paying database server in described bank; The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate described bank card account belongs to the mobile payment specified account of bank to described bank card the operation of transferring accounts to the bank transaction gateway device of described bank card ownership, described bank transaction gateway device returns to described mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described mobile payment specified account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to described mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
4. based on the implementation method of the mobile phone paying of the interchanger pattern of third party clearance, it is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, offer user's interchanger number of the account, and this interchanger number of the account and this user's a bank card account and this user's a mobile communication number are set up corresponding relation;
When mobile telephone terminal by Mobile Access Gateway equipment when the mobile phone paying database server is initiated designated amounts to the transfer request of appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay's transaction gateway equipment to the interchanger number of the account, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
5. based on the implementation method of the mobile phone paying of the bank card pattern of third party clearance, it is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, user's a bank card account and this user's a mobile communication number are set up corresponding relation;
When mobile telephone terminal is initiated designated amounts to the Payment Request of specifying trade company by Mobile Access Gateway equipment to the mobile phone paying database server, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to the bank transaction gateway device to the number of the account of described trade company, the bank transaction gateway device returns to described mobile phone paying database server to operating result, and the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal.
6. based on the implementation method of the mobile phone paying of the special-purpose number of the account pattern of third party clearance, it is characterized in that, may further comprise the steps:
In the database of mobile phone paying database server, set up a corresponding relation between described user's mobile phone number and described user's the bank card account number for the mobile phone user;
In the account system of the bank that mobile payment service is provided, set up the special bank card number of the account of mobile payment operator;
When mobile telephone terminal by Mobile Access Gateway equipment when the mobile phone paying database server is initiated designated amounts to the Payment Request of appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiate described bank card account belongs to the mobile payment specified account of bank to described bank card the operation of transferring accounts to the bank transaction gateway device of described bank card ownership, the bank transaction gateway device returns to the mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described mobile payment specified account to the number of the account of described trade company to Unionpay's transaction gateway equipment, Unionpay's transaction gateway equipment returns to the mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102229310A CN101364330A (en) | 2008-09-23 | 2008-09-23 | Mobile telephone payment system and method based on third party clearing |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102229310A CN101364330A (en) | 2008-09-23 | 2008-09-23 | Mobile telephone payment system and method based on third party clearing |
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| CN101364330A true CN101364330A (en) | 2009-02-11 |
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| CNA2008102229310A Pending CN101364330A (en) | 2008-09-23 | 2008-09-23 | Mobile telephone payment system and method based on third party clearing |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011140710A1 (en) * | 2010-05-12 | 2011-11-17 | 中兴通讯股份有限公司 | Method and service platform for implementing funds transfer using mobile terminal |
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2008
- 2008-09-23 CN CNA2008102229310A patent/CN101364330A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011140710A1 (en) * | 2010-05-12 | 2011-11-17 | 中兴通讯股份有限公司 | Method and service platform for implementing funds transfer using mobile terminal |
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