CN101393672A - Space self-help transference system and method for mobile phone electronic purse customer - Google Patents
Space self-help transference system and method for mobile phone electronic purse customer Download PDFInfo
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- CN101393672A CN101393672A CNA2008102250716A CN200810225071A CN101393672A CN 101393672 A CN101393672 A CN 101393672A CN A2008102250716 A CNA2008102250716 A CN A2008102250716A CN 200810225071 A CN200810225071 A CN 200810225071A CN 101393672 A CN101393672 A CN 101393672A
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Abstract
The invention relates to a system and a method for self-help air loading for a user of the electronic wallet of a mobile phone. The invention provides and realizes the self-help air loading service for the user of the electronic wallet of the mobile phone on the basis of an air loading system. The electronic wallet of the mobile phone refers to a payment carrier dependent on an intelligent mobile phone card such as SIMpass or RF-SIM. The invention has the advantages that a mobile phone payment business unit can use the unified mobile phone payment POS handling terminal, and a mobile phone subscriber can finish the loading to the electronic wallet of the mobile phone on the mobile phone by self help through any bank account of the subscriber.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, the system and method that the aerial self-service circle of particularly a kind of mobile phone electronic purse customer is deposited.The present invention is based on hand call payment system provides the aerial self-service circle of realizing mobile phone electronic purse customer to deposit business.Described mobile phone electronic wallet is meant that for example SIMpass or RF-SIM etc. depend on the payment carrier of intelligent mobile phone card.
Background technology
In present mobile payment field, begin to occur based on the RF-SIM of SIM card and the mobile-phone payment of SIMPASS, described RF-SIM is a kind of near/middle distance wireless communication technology based on SIM card, this technology is a kind of of NFC wireless near field communication, the module that it will have the RF radio-frequency enabled is embedded in the SIM card, uses the microwave frequency of 2.4G to carry out data communication; Described SIMpass is a kind of multi-functional SIM card, has merged DI card technique and SIM card technology, supports contact and two working interfaces of noncontact, and contact interface is realized the SIM function, and payment function, compatible a plurality of application of IC cards standards are realized in the noncontact interface.Utilize SIMpass technology or RF-SIM technology, can be under the support of cordless communication network and hand call payment system, carry out various on-the-spot mobile payment services based on mobile phone, use the user of SIMpass or RF-SIM only to need before corresponding consumption terminal, to wave, get final product safety, easily finish payment process, the present invention calls the mobile phone electronic wallet to the payment carrier that SIMpass or RF-SIM etc. depends on intelligent mobile phone card, but the circle of present mobile phone electronic wallet is deposited, hand call payment system for telecom operators' construction is by the telephone expenses that prestore the mobile phone electronic wallet to be enclosed to deposit, hand call payment system for bank's construction is by the fund on the bank card account number of this bank the mobile phone electronic wallet to be enclosed to deposit, so have following problem: one, mobile phone user's bank card account number is distributed in different banks, for the bank that does not have hand call payment system, its user can not use its bank card account number to deposit for its mobile phone electronic wallet encloses; Two, for the hand call payment system of telecom operators' construction, its user needs in advance cash to be deposited in the telephone expenses account number of telecom operators; Three, need set up separately POS accepting terminal for the multiple hand call payment system of how tame bank and how tame operator to identical trade company,, increase the difficulty of management POS trade company.
Described mobile-phone payment POS is meant the mobile-phone payment point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in the mobile phone electronic wallet is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it have support off-line consumption, inquiry into balance, transfer accounts, function such as reconciliation, use safety, quick, reliable.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, the system and method for the mobile phone paying of mobile-phone payment trade company being cleared based on Unionpay is provided, adopt this system can make the bank card user that comprises the bank that does not have hand call payment system use its bank card account number to deposit for its mobile phone electronic wallet encloses, make the user of the hand call payment system of telecom operators' construction can use its bank card account number to deposit, make mobile-phone payment trade company use unified mobile-phone payment POS accepting terminal for its mobile phone electronic wallet encloses.Described mobile phone electronic wallet is meant that for example SIMpass or RF-SIM etc. depend on the payment carrier of intelligent mobile phone card.
Technical scheme of the present invention is as follows:
, it is characterized in that the aerial circle deposit system of mobile phone paying that mobile-phone payment trade company clears based on Unionpay, comprise mobile telephone terminal, Mobile Access Gateway equipment, Unionpay's transaction gateway equipment, mobile-phone payment database server, mobile-phone payment POS; Described mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of mobile communications network and mobile-phone payment database server, is used to realize the information interaction between mobile-phone payment database server and the mobile telephone terminal; Unionpay's transaction gateway equipment is used to realize transferring accounts between account No. and the mobile payment account number by data network and the interconnection of mobile-phone payment database server; Described mobile-phone payment database server is the Computer Database application server, be used to the mobile phone user to set up incidence relation between Mobile Directory Number and the Bank Account Number, deposit instruction according to the aerial circle of mobile phone electronic wallet that mobile telephone terminal sends, realize account No. the transferring accounts of mobile telephone terminal number to the mobile payment number of the account, carry out information interaction by mobile communications network and mobile telephone terminal, finish the aerial circle of described mobile phone electronic wallet is deposited; Mobile-phone payment POS is meant the mobile-phone payment point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in the mobile phone electronic wallet is unified into network with accepting in the site with computing machine, the function that realizes comprises off-line consumption, inquiry into balance, transfers accounts, reconciliation, and finish the payment process of mobile phone electronic wallet, by internal data network and Unionpay's transaction gateway apparatus interconnection, finish and Unionpay between the reconciliation process of mobile phone electronic wallet payment; The workflow of described system comprises: mobile telephone terminal is initiated designated amounts by Mobile Access Gateway equipment to the mobile-phone payment database server and is deposited request to the aerial circle of mobile phone electronic wallet, the mobile-phone payment 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 number to Unionpay's transaction gateway equipment to the mobile payment number of the account, Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server is finished alternately by mobile communications network and mobile telephone terminal the aerial circle of mobile phone electronic wallet is deposited, otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information.
Described mobile phone electronic wallet is meant the payment carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM.
Described mobile payment account number is a bank card account number of serving the mobile-phone payment clearance.
The implementation method of by the OTA menu mobile phone electronic wallet circle being deposited on mobile phone is characterized in that, may further comprise the steps:
Circle in the mobile phone electronic wallet on the mobile telephone terminal users execution mobile phone OTA menu is deposited instruction, and the fund that mobile telephone terminal transmission circle is deposited designated amounts arrives mobile phone payment data storehouse server to the instruction of mobile phone electronic wallet;
The mobile-phone payment database server receives the circle of described mobile telephone terminal and deposits instruction;
The mobile-phone payment database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiates the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;
Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server sends circle by mobile communications network to mobile telephone terminal and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information.
The English of described OTA is Over-The-Air, is meant air download, be a kind of need not with SIM card directly contact or be connected can communicate with SIM card, toward card upward load application and technology that SIM card is managed.
The implementation method that mobile telephone terminal users is deposited mobile phone electronic wallet circle by the voice access way is characterized in that, may further comprise the steps:
A. server voice access code in mobile telephone terminal users calling handset payment data storehouse selects circle to deposit, and the input circle is deposited the amount of money and mobile-phone payment password;
B. the mobile-phone payment database server is deposited authority to the circle of the telephone number of described mobile telephone terminal and is verified, if checking do not pass through, after then the mobile phone paying database carries out voice suggestion to described user, execution in step E;
C. after the mobile-phone payment database server is play and have been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve after its corresponding bank card account number according to the telephone number of described mobile telephone terminal, initiate of the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;
D. Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server sends circle by mobile communications network to mobile telephone terminal and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information;
E. finish circle and deposit process.
The implementation method that mobile telephone terminal users is deposited third party's mobile phone electronic wallet circle by the voice access way is characterized in that, may further comprise the steps:
A. server voice access code in mobile telephone terminal users calling handset payment data storehouse selects circle to deposit third party's instruction, and the input circle is deposited the amount of money, purpose Mobile Directory Number and mobile-phone payment password;
B. the mobile-phone payment database server is deposited authority to the circle of the telephone number of described mobile telephone terminal and is verified, if checking do not pass through, after then the mobile phone paying database carries out voice suggestion to described user, execution in step f;
C. the mobile-phone payment database server checks whether purpose Mobile Directory Number user has mobile phone electronic wallet function, if do not have, and after then the mobile phone paying database carries out voice suggestion to described mobile telephone terminal users, execution in step f;
D. after the mobile-phone payment database server is play and have been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve after its corresponding bank card account number according to the telephone number of described mobile telephone terminal, initiate of the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;
E. Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server is deposited the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet by mobile communications network to the purpose mobile telephone terminal transmission circle at purpose Mobile Directory Number place, after described purpose mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal users and deposits unsuccessful response result information;
F. finish circle and deposit process.
The implementation method that the user deposits mobile phone electronic wallet circle by the mobile-phone payment client on mobile telephone terminal is characterized in that, may further comprise the steps:
Circle in the mobile phone electronic wallet of the mobile-phone payment client software on the mobile telephone terminal users execution mobile phone is deposited instruction, and the fund that mobile telephone terminal transmission circle is deposited designated amounts arrives mobile phone payment data storehouse server to the instruction of mobile phone electronic wallet;
The mobile-phone payment database server receives the circle of mobile telephone terminal and deposits instruction;
The mobile-phone payment database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiates the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;
Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server returns circle and is saved as the mobile-phone payment client software of merit response message to mobile telephone terminal, the fund that the mobile-phone payment client software is deposited the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server is deposited unsuccessful response result information to the mobile-phone payment client software transmission circle of described mobile telephone terminal, and the mobile-phone payment client software is showed described response message.
Implementation method to mobile phone electronic wallet payment clearance is characterized in that, may further comprise the steps:
Mobile-phone payment POS sends mobile phone electronic wallet payment reconciliation instruction to Unionpay's transaction gateway equipment;
Unionpay's transaction gateway equipment receives described reconciliation instruction, and after checking was passed through, the fund of designated amounts was to mobile phone payment POS trade company in the described reconciliation instruction of transferring accounts from the mobile payment number of the account.
Implementation method to mobile phone dedicated stored value card circle is deposited clearance is characterized in that, may further comprise the steps:
The mobile-phone payment database server by mobile communications network finish the aerial circle of the mobile phone electronic wallet of mobile telephone terminal deposited after, send of the instruction of the fund of designated amounts during the described circle of consumption is deposited from the mobile payment number of the account to Unionpay's transaction gateway equipment to the special-purpose POS of mobile phone electronic wallet trade company;
After Unionpay's transaction gateway equipment received described consumption order, the fund of the described amount of money of transferring accounts from the mobile payment number of the account was to described mobile-phone payment POS trade company.
Technique effect of the present invention is as follows:
The present invention makes mobile-phone payment trade company can use unified mobile-phone payment POS accepting terminal, and the mobile phone user can self-service finishing be deposited the aerial self-service circle of mobile phone electronic wallet on mobile phone by any bank card account number of oneself.
Description of drawings
Fig. 1 is the implementation structure synoptic diagram that the present invention is based on the aerial circle deposit system of mobile phone that Unionpay clears mobile-phone payment trade company.
Fig. 2 is the system construction drawing that the aerial circle of the mobile phone wallet of the embodiment of the invention one is deposited.
Embodiment
Fig. 1 is based on the implementation structure synoptic diagram of the aerial circle deposit system of mobile phone that Unionpay clears mobile-phone payment trade company, wherein:
Mobile telephone terminal 120 connects Mobile Access Gateway equipment 110 by mobile communication wireless network 180;
Mobile-phone payment database server 100 is by mobile communications network 170 and 110 interconnection of Mobile Access Gateway equipment;
Mobile-phone payment database server 100 is by data network 150 and 130 interconnection of Unionpay's transaction gateway equipment;
Unionpay's transaction gateway equipment 130 is by internal data network 160 and mobile-phone payment POS140 interconnection;
Adopt TCP/IP to communicate between mobile-phone payment 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 the communication protocol of mobile operator appointment to communicate between mobile-phone payment database server 100 and the Mobile Access Gateway equipment 110, preferably, adopt the SMPP agreement for short message service, adopt the SS7 agreement, adopt http protocol for data service for signaling traffic; Mobile Access Gateway equipment 110 adopts the standard agreement of mobile communication wireless part to communicate with mobile telephone terminal 120;
Adopt TCP/IP to communicate between mobile-phone payment POS140 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.
To the aerial circle deposit system of mobile phone that mobile-phone payment trade company clears, comprise mobile telephone terminal 120 based on Unionpay, Mobile Access Gateway equipment 110, Unionpay's transaction gateway equipment 130, mobile-phone payment database server 100, mobile-phone payment POS140; Mobile telephone terminal 120 is by mobile communication wireless network 180 and 110 interconnection of Mobile Access Gateway equipment, Mobile Access Gateway equipment 110 is by mobile communications network 170 and 100 interconnection of mobile-phone payment database server, is used to realize the information interaction between mobile-phone payment database server 100 and the mobile telephone terminal 120; Unionpay's transaction gateway equipment 130 is used to realize transferring accounts between account No. and the mobile payment account number by data network 150 and 100 interconnection of mobile-phone payment database server; Mobile-phone payment database server 100 is Computer Database application servers, be used to the mobile phone user to set up incidence relation between Mobile Directory Number and the Bank Account Number, deposit instruction according to the aerial circle of mobile phone electronic wallet that mobile telephone terminal sends, realize account No. the transferring accounts of mobile telephone terminal number to the mobile payment number of the account, by the information interaction of mobile communications network 170, finish the aerial circle of described mobile phone electronic wallet is deposited with mobile telephone terminal 120; Mobile-phone payment POS140 is meant the mobile-phone payment point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in the mobile phone electronic wallet is unified into network with accepting in the site with computing machine, the function that realizes comprises off-line consumption, inquiry into balance, transfers accounts, reconciliation, finish the payment process of mobile phone electronic wallet, and by internal data network 160 and 110 interconnection of Unionpay's transaction gateway equipment, finish and Unionpay between the reconciliation process of mobile phone electronic wallet payment; The workflow of system comprises: mobile telephone terminal 120 is initiated designated amounts by Mobile Access Gateway equipment 110 to mobile-phone payment database server 100 and is deposited request to the aerial circle of mobile phone electronic wallet, mobile-phone payment database server 100 retrieves after its corresponding bank card account number according to the telephone number of mobile phone 120, initiate of the transfer accounts operation of bank card account number to Unionpay's transaction gateway equipment 130 to the mobile payment number of the account, Unionpay's transaction gateway equipment 130 returns to mobile-phone payment database server 100 to operating result, if transfer accounts successfully, then mobile-phone payment database server 100 is finished alternately by mobile communications network 110 and mobile telephone terminal 120 the aerial circle of mobile phone electronic wallet is deposited, otherwise mobile-phone payment database server 100 sends circle to mobile telephone terminal 120 and deposits unsuccessful response result information.
Described mobile phone electronic wallet is meant the payment carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM.
Described mobile payment account number is a bank card account number of serving the mobile-phone payment clearance.
The implementation method of by the OTA menu mobile phone electronic wallet circle being deposited on mobile phone may further comprise the steps:
The circle that mobile telephone terminal 120 users carry out in the mobile phone electronic wallet on the mobile phone OTA menu is deposited instruction, mobile phone send fund that circle deposits designated amounts to the instruction of mobile phone electronic wallet to mobile phone payment data storehouse server 100;
Mobile-phone payment database server 100 receives the circle of mobile telephone terminal 120 and deposits instruction;
Mobile-phone payment database server 100 retrieves according to the telephone number of mobile phone after its corresponding bank card account number, initiates the transfer accounts operation of bank card account numbers to the mobile payment number of the account to Unionpay's transaction gateway equipment 130;
Unionpay's transaction gateway equipment 130 returns to mobile-phone payment database server 100 to operating result, if transfer accounts successfully, then mobile-phone payment database server 100 sends circle by mobile communications network 170 to mobile telephone terminal 120 and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal 120 receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise mobile-phone payment database server 100 sends circle to described mobile telephone terminal 120 and deposits unsuccessful response result information.
The English of described OTA is Over-The-Air, is meant air download, be a kind of need not with SIM card directly contact or be connected can communicate with SIM card, toward card upward load application and technology that SIM card is managed.
The implementation method that mobile telephone terminal users is deposited mobile phone electronic wallet circle by the voice access way may further comprise the steps:
A. the voice access code of mobile telephone terminal 120 customer call mobile-phone payment database servers 100 selects circle to deposit, and the input circle is deposited the amount of money, input handset payment cipher;
B. the circle of the telephone number of 100 pairs of described mobile phones of mobile-phone payment database server is deposited authority and is verified, if checking do not pass through, after then 100 couples of described users of mobile phone paying database carry out voice suggestion, execution in step E;
C. after mobile-phone payment database server 100 is play and has been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve 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 number to the mobile payment number of the account to Unionpay's transaction gateway equipment 130;
D. Unionpay's transaction gateway equipment 130 returns to mobile-phone payment database server 100 to operating result, if transfer accounts successfully, then mobile-phone payment database server 100 sends circle by mobile communications network 170 to mobile telephone terminal 120 and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal 120 receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise mobile-phone payment database server 100 sends circle to mobile telephone terminal 120 and deposits unsuccessful response result information;
E. finish circle and deposit process.
The implementation method that mobile telephone terminal 120 users deposit third party's mobile phone electronic wallet circle by the voice access way is characterized in that, may further comprise the steps:
A. mobile telephone terminal 120 customer call mobile-phone payment database servers 100 voice access codes select circle to deposit third party's instruction, and the input circle is deposited the amount of money, purpose Mobile Directory Number and mobile-phone payment password;
B. the circle of the telephone number of 100 pairs of mobile telephone terminals 120 of mobile-phone payment database server is deposited authority and is verified, if checking do not pass through, after then 100 couples of described users of mobile phone paying database carry out voice suggestion, execution in step f;
C. mobile-phone payment database server 100 checks whether purpose Mobile Directory Number user has mobile phone electronic wallet function, if do not have, and after then 100 couples of mobile telephone terminal 120 users of mobile phone paying database carry out voice suggestion, execution in step f;
D. after mobile-phone payment database server 100 is play and has been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve after its corresponding bank card account number according to the telephone number of described mobile telephone terminal, initiate of the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment 130;
E. Unionpay's transaction gateway equipment 130 returns to mobile-phone payment database server 100 to operating result, if transfer accounts successfully, then mobile-phone payment database server 100 is deposited the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet by mobile communications network 170 to the purpose mobile telephone terminal transmission circle at purpose Mobile Directory Number place, after the purpose mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise mobile-phone payment database server 100 sends circle to mobile telephone terminal 120 users and deposits unsuccessful response result information;
F. finish circle and deposit process.
The implementation method that the user deposits mobile phone electronic wallet circle by the mobile-phone payment client on mobile telephone terminal may further comprise the steps:
The circle that mobile telephone terminal 120 users carry out in the mobile phone electronic wallet of the mobile-phone payment client software on the mobile phone is deposited instruction, mobile telephone terminal 120 send fund that circle deposits designated amounts to the instruction of mobile phone electronic wallet to mobile phone payment data storehouse server 100;
Mobile-phone payment database server 100 receives the circle of mobile telephone terminal 120 and deposits instruction;
Mobile-phone payment database server 100 retrieves according to the telephone number of described mobile phone after its corresponding bank card account number, initiates the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment 130;
Unionpay's transaction gateway equipment 130 returns to mobile-phone payment database server 100 to operating result, if transfer accounts successfully, then mobile-phone payment database server 100 returns circle and is saved as the mobile-phone payment client software of merit response message to mobile telephone terminal 120, the fund that the mobile-phone payment client software is deposited the described amount of money to mobile phone electronic wallet centre circle; Otherwise mobile-phone payment database server 100 is deposited unsuccessful response result information to the mobile-phone payment client software transmission circle of mobile telephone terminal 120, and the mobile-phone payment client software is showed described response message.
Implementation method to mobile phone electronic wallet payment clearance may further comprise the steps:
Mobile-phone payment POS140 sends mobile phone electronic wallet payment reconciliation instruction to Unionpay's transaction gateway equipment 130;
Unionpay's transaction gateway equipment 120 receives described reconciliation instruction, and after checking was passed through, the fund of designated amounts was to mobile phone payment POS trade company in the described reconciliation instruction of transferring accounts from the mobile payment number of the account.
Implementation method to mobile phone dedicated stored value card circle is deposited clearance may further comprise the steps:
Mobile-phone payment database server 100 by mobile communications network 170 finish the aerial circle of the mobile phone electronic wallet of mobile telephone terminal deposited after, send of the instruction of the fund of designated amounts during the described circle of consumption is deposited from the mobile payment number of the account to Unionpay's transaction gateway equipment 130 to the special-purpose POS of mobile phone electronic wallet trade company;
After Unionpay's transaction gateway equipment 130 received described consumption order, the fund of the described amount of money of transferring accounts from the mobile payment number of the account was to described mobile-phone payment POS trade company.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 2, Fig. 2 be the aerial circle of the mobile phone wallet of the embodiment of the invention one deposit system construction drawing, wherein:
Unionpay's transaction gateway equipment is the bank card business dealing main frame 230 of Unionpay's machine room;
Mobile-phone payment database server 100 adopts the communication protocol of mobile operator appointment to communicate by mobile communications network 170 and 190 interconnection of mobile operator billing and accounting system, preferably, adopts the account interface H2 of battalion of telecom operators agreement;
Preferably, mobile telephone terminal 120 sends circle by the OTA short message and deposits and instruct the mobile payment service access code, this short message sends to Mobile Access Gateway 110 through mobile communication wireless network 180, Mobile Access Gateway 110 sends to mobile-phone payment database server 100 to this short message by mobile communications network 170, the circle that mobile-phone payment database server 100 is gathered the user is deposited business datum, and carries out circle and deposit flow process;
Preferably, mobile telephone terminal 120 users deposit service access number by dialing the mobile payment circle, this message related to calls sends to Mobile Access Gateway 110 through mobile communication wireless network 180, Mobile Access Gateway 110 arrives mobile phone payment data storehouse server 100 to this call proceeding by mobile communications network 170, the circle that mobile-phone payment database server 100 is gathered the user is deposited business datum, and carries out circle and deposit flow process;
Preferably, mobile telephone terminal 120 is carried out to enclose to deposit by Mobile Access Gateway 110 login mobile payment client-servers or WAP page through mobile communication wireless network 180 by client or WAP mode and is instructed mobile-phone payment database server 100 collection users' circle to deposit business datum, and carries out circle and deposit flow process.
The circle that the following is the embodiment of the invention one is deposited transaction flow:
A. mobile-phone payment database server 100 is deposited the appointment circle of the bank card account number of Mobile Directory Number correspondence the transfer of financial resources of the amount of money to the mobile payment number of the account by bank card business dealing main frame 230;
B. for the process of transferring accounts of success, mobile-phone payment database server 100 is deposited response result to circle by the instruction of OTA short message and is sent to user's mobile phone terminal 120, mobile telephone terminal 120 is deposited the fund that described circle is deposited designated amounts in the instruction to mobile phone electronic wallet circle, and circle is deposited the result send to mobile-phone payment database server 100, execution in step D by short message;
C. for the unsuccessful process of transferring accounts, mobile-phone payment database server 100 is deposited unsuccessful response message to circle by the instruction of OTA short message and is sent to user's mobile phone terminal 120, execution in step E;
D. mobile-phone payment database server 100 record circles are deposited day-to-day account;
E. mobile-phone payment database server 100 end circles are deposited flow process.
A kind of method for optimizing that mobile telephone terminal is deposited to mobile phone electronic wallet circle may further comprise the steps:
Mobile-phone payment database server 100 is deposited response result to circle by the instruction of OTA short message and is sent to user's mobile phone terminal 120, mobile telephone terminal 120 is supplemented the fund that described circle is deposited designated amounts in the instruction with money to the mobile phone electronic wallet, and recharging result is sent to mobile-phone payment database server 100 by short message.
The another kind of method for optimizing that mobile telephone terminal is deposited to mobile phone electronic wallet circle may further comprise the steps:
When the transfer of financial resources that the amount of money deposited the appointment circle of the bank card account number of Mobile Directory Number correspondence by mobile-phone payment database server 100 after the mobile payment number of the account, mobile-phone payment database server 100 sends circle by the OTA short message and deposits this designated amounts and instruct mobile telephone terminal 120 to the mobile phone electronic wallet, mobile telephone terminal 120 is deposited the fund of described designated amounts to mobile phone electronic wallet circle, and circle is deposited the result sends to mobile-phone payment database server 100 by short message.
The user sets up the step of the corresponding relation between described user's mobile phone number and the Bank Account Number by POS:
The user is by mobile-phone payment POS brush bank card, 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 payment data storehouse server 100, mobile-phone payment database server 100 is signed the power authentication by the ownership bank that bank card business dealing main frame 230 sends instructions to described bank card, sign power authentication Mobile Directory Number by mobile communications network 170 to the mobile operator billing and accounting system, if all authenticating, bank card account number and Mobile Directory Number pass through, then mobile-phone payment database server 100 is set up the corresponding relation of described Mobile Directory Number and described Bank Account Number, and return the successful result message of opening an account to mobile phone payment POS, if all authenticating, bank card account number and Mobile Directory Number do not pass through, then mobile-phone payment database server 100 returns the unsuccessful message of opening an account to mobile phone payment POS, mobile-phone payment POS display operation result or the printing voucher of opening an account.
The user sets up the step of the corresponding relation between described user's mobile phone number and the Bank Account Number by voice mode:
The user is by dialing mobile payment voice access code, gather bank's card number of user's telephone number and its input by Mobile Access Gateway 110, send mobile-phone payment database server 100 after the data such as password to, mobile-phone payment database server 100 is signed the power authentication by the ownership bank that bank card business dealing main frame 230 sends instructions to described bank card, sign power authentication Mobile Directory Number by mobile communications network 170 to the mobile operator billing and accounting system, if all authenticating, bank card account number and Mobile Directory Number pass through, then mobile-phone payment database server 100 is set up the corresponding relation of described Mobile Directory Number and described Bank Account Number, and return the successful result of opening an account and give the user, do not pass through if bank card account number and Mobile Directory Number all authenticate, then mobile-phone payment database server 100 returns the unsuccessful message of opening an account and gives the user.
Implementation method to mobile phone electronic wallet payment clearance may further comprise the steps:
Mobile-phone payment POS140 sends mobile phone electronic wallet payment reconciliation instruction to bank card business dealing main frame 230;
Unionpay's transaction gateway equipment 120 receives described reconciliation instruction, and after checking was passed through, the fund of designated amounts was to mobile phone payment POS trade company in the described reconciliation instruction of transferring accounts from the mobile payment number of the account.
Implementation method to mobile phone dedicated stored value card circle is deposited clearance may further comprise the steps:
Mobile-phone payment database server 100 by mobile communications network 170 finish the aerial circle of the mobile phone electronic wallet of mobile telephone terminal deposited after, send of the instruction of the fund of designated amounts during the described circle of consumption is deposited from the mobile payment number of the account to bank card business dealing main frame 230 to the special-purpose POS of mobile phone electronic wallet trade company;
After bank card business dealing main frame 230 received described consumption order, the fund of the described amount of money of transferring accounts from the mobile payment number of the account was to described mobile-phone payment POS trade company.
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 (10)
- Based on Unionpay to the aerial circle deposit system of mobile phone that mobile-phone payment trade company clears, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, Unionpay's transaction gateway equipment, mobile-phone payment database server, mobile-phone payment POS; Described mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of mobile communications network and mobile-phone payment database server, is used to realize the information interaction between mobile-phone payment database server and the mobile telephone terminal; Unionpay's transaction gateway equipment is used to realize transferring accounts between account No. and the mobile payment account number by data network and the interconnection of mobile-phone payment database server; Described mobile-phone payment database server is the Computer Database application server, be used to the mobile phone user to set up incidence relation between Mobile Directory Number and the Bank Account Number, deposit instruction according to the aerial circle of mobile phone electronic wallet that mobile telephone terminal sends, realize account No. the transferring accounts of mobile telephone terminal number to the mobile payment number of the account, carry out information interaction by mobile communications network and mobile telephone terminal, finish the aerial circle of described mobile phone electronic wallet is deposited; Mobile-phone payment POS is meant the mobile-phone payment point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in the mobile phone electronic wallet is unified into network with accepting in the site with computing machine, the function that realizes comprises off-line consumption, inquiry into balance, transfers accounts, reconciliation, and finish the payment process of mobile phone electronic wallet, by internal data network and Unionpay's transaction gateway apparatus interconnection, finish and Unionpay between the reconciliation process of mobile phone electronic wallet payment; The workflow of described system comprises: mobile telephone terminal is initiated designated amounts by Mobile Access Gateway equipment to the mobile-phone payment database server and is deposited request to the aerial circle of mobile phone electronic wallet, the mobile-phone payment 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 number to Unionpay's transaction gateway equipment to the mobile payment number of the account, Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server is finished alternately by mobile communications network and mobile telephone terminal the aerial circle of mobile phone electronic wallet is deposited, otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information.
- 2. the aerial circle deposit system of mobile-phone payment trade company being cleared based on Unionpay of mobile phone according to claim 1, it is characterized in that, described mobile phone electronic wallet is meant the payment carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM.
- 3. according to claim 1 based on Unionpay to the aerial circle deposit system of mobile phone that mobile-phone payment trade company clears, it is characterized in that described mobile payment account number is a bank card account number of serving mobile-phone payment clearance.
- 4. the implementation method of by the OTA menu mobile phone electronic wallet circle being deposited on mobile phone is characterized in that, may further comprise the steps:Circle in the mobile phone electronic wallet on the mobile telephone terminal users execution mobile phone OTA menu is deposited instruction, and the fund that mobile telephone terminal transmission circle is deposited designated amounts arrives mobile phone payment data storehouse server to the instruction of mobile phone electronic wallet;The mobile-phone payment database server receives the circle of described mobile telephone terminal and deposits instruction;The mobile-phone payment database server retrieves after its corresponding bank card account number according to the telephone number of described mobile telephone terminal, initiates the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server sends circle by mobile communications network to mobile telephone terminal and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information.
- 5. implementation method of on mobile phone, mobile phone electronic wallet circle being deposited according to claim 4 by the OTA menu, it is characterized in that, the English of described OTA is Over-The-Air, be meant air download, be a kind of need not with SIM card directly contact or be connected can communicate with SIM card, toward card upward load application and technology that SIM card is managed.
- 6. the mobile telephone terminal users implementation method of mobile phone electronic wallet circle being deposited by the voice access way is characterized in that, may further comprise the steps:A. server voice access code in mobile telephone terminal users calling handset payment data storehouse selects circle to deposit, and the input circle is deposited the amount of money and mobile-phone payment password;B. the mobile-phone payment database server is deposited authority to the circle of the telephone number of described mobile telephone terminal and is verified, if checking do not pass through, after then the mobile phone paying database carries out voice suggestion to described user, execution in step E;C. after the mobile-phone payment database server is play and have been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve after its corresponding bank card account number according to the telephone number of described mobile telephone terminal, initiate of the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;D. Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server sends circle by mobile communications network to mobile telephone terminal and deposits the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet, after mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal and deposits unsuccessful response result information;E. finish circle and deposit process.
- 7. the mobile telephone terminal users implementation method of third party's mobile phone electronic wallet circle being deposited by the voice access way is characterized in that, may further comprise the steps:A. server voice access code in mobile telephone terminal users calling handset payment data storehouse selects circle to deposit third party's instruction, and the input circle is deposited the amount of money, purpose Mobile Directory Number and mobile-phone payment password;B. the mobile-phone payment database server is deposited authority to the circle of the telephone number of described mobile telephone terminal and is verified, if checking do not pass through, after then the mobile phone paying database carries out voice suggestion to described user, execution in step f;C. the mobile-phone payment database server checks whether purpose Mobile Directory Number user has mobile phone electronic wallet function, if do not have, and after then the mobile phone paying database carries out voice suggestion to described mobile telephone terminal users, execution in step f;D. after the mobile-phone payment database server is play and have been accepted circle and deposit the command prompt sound, finish described calling procedure, retrieve 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 number to the mobile payment number of the account to Unionpay's transaction gateway equipment;E. Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server is deposited the OTA short message instruction of the fund of designated amounts to the mobile phone electronic wallet by mobile communications network to the purpose mobile telephone terminal transmission circle at purpose Mobile Directory Number place, after described purpose mobile telephone terminal receives described instruction, the fund of depositing the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server sends circle to described mobile telephone terminal users and deposits unsuccessful response result information;F. finish circle and deposit process.
- 8. the implementation method that the user deposits mobile phone electronic wallet circle by the mobile-phone payment client on mobile telephone terminal is characterized in that, may further comprise the steps:Circle in the mobile phone electronic wallet of the mobile-phone payment client software on the mobile telephone terminal users execution mobile phone is deposited instruction, and the fund that mobile telephone terminal transmission circle is deposited designated amounts arrives mobile phone payment data storehouse server to the instruction of mobile phone electronic wallet;The mobile-phone payment database server receives the circle of mobile telephone terminal and deposits instruction;The mobile-phone payment database server retrieves after its corresponding bank card account number according to the telephone number of described mobile phone, initiates the transfer accounts operation of described bank card account number to the mobile payment number of the account to Unionpay's transaction gateway equipment;Unionpay's transaction gateway equipment returns to described mobile-phone payment database server to operating result, if transfer accounts successfully, then the mobile-phone payment database server returns circle and is saved as the mobile-phone payment client software of merit response message to mobile telephone terminal, the fund that the mobile-phone payment client software is deposited the described amount of money to mobile phone electronic wallet centre circle; Otherwise the mobile-phone payment database server is deposited unsuccessful response result information to the mobile-phone payment client software transmission circle of described mobile telephone terminal, and the mobile-phone payment client software is showed described response message.
- 9. to the implementation method of mobile phone electronic wallet payment clearance, it is characterized in that, may further comprise the steps:Mobile-phone payment POS sends mobile phone electronic wallet payment reconciliation instruction to Unionpay's transaction gateway equipment;Unionpay's transaction gateway equipment receives described reconciliation instruction, and after checking was passed through, the fund of designated amounts was to mobile phone payment POS trade company in the described reconciliation instruction of transferring accounts from the mobile payment number of the account.
- 10. the implementation method that mobile phone dedicated stored value card circle is deposited clearance is characterized in that, may further comprise the steps:The mobile-phone payment database server by mobile communications network finish the aerial circle of the mobile phone electronic wallet of mobile telephone terminal deposited after, send of the instruction of the fund of designated amounts during the described circle of consumption is deposited from the mobile payment number of the account to Unionpay's transaction gateway equipment to the special-purpose POS of mobile phone electronic wallet trade company;After Unionpay's transaction gateway equipment received described consumption order, the fund of the described amount of money of transferring accounts from the mobile payment number of the account was to described mobile-phone payment POS trade company.
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| CN2008102250716A CN101393672B (en) | 2008-10-28 | 2008-10-28 | Space self-help transference system and method for mobile phone electronic purse customer |
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| CN2008102250716A CN101393672B (en) | 2008-10-28 | 2008-10-28 | Space self-help transference system and method for mobile phone electronic purse customer |
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