CN101404077A - Remote payment system and method for associated affirmation of goods inspection and payment - Google Patents
Remote payment system and method for associated affirmation of goods inspection and payment Download PDFInfo
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- CN101404077A CN101404077A CNA2008102258794A CN200810225879A CN101404077A CN 101404077 A CN101404077 A CN 101404077A CN A2008102258794 A CNA2008102258794 A CN A2008102258794A CN 200810225879 A CN200810225879 A CN 200810225879A CN 101404077 A CN101404077 A CN 101404077A
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Abstract
The invention provides a remote payment system and a method with the functions of inspection and payment correlation confirmation, the remote payment system and the method have the effect that a buyer can transfer the payment of the buyer to an account of a seller by swiping a correlation payment card on a mobile POS which is carried by a delivery person, thereby allowing the seller with the remote payment to receive the payment at the first time and being conductive to improving the payment efficiency of Internet e-business.
Description
Technical field
The present invention relates to communication technical field and financial field, particularly a kind of examining goods and the remote payment system of paying related affirmation and method.The present invention is based on remote payment system and provide that to realize receiving be the teleshopping business of days of grace, described teleshopping includes but not limited to teleshopping business, shopping online.
Background technology
In present internet electronic business field, for guaranteeing the interests of both parties, number of the account and buyer pay by the internet affirmation mode in the middle of adopting, trade mode is: the buyer is the transfer accounts number of the account of internet payment company of payment for goods, after the buyer examines goods and receives, by internet notice internet payment company, internet payment company is again the payment for goods seller that transfers accounts, typical example is exactly an Alipay, the trade mode of Alipay is: the buyer is earlier the payment for goods Alipay trade company number of the account of transferring accounts, after the buyer examined goods and receives, by internet notice Alipay trade company, Alipay trade company was again the payment for goods seller that transfers accounts.Defective is that the buyer receives after the goods, be not to send receiving order to internet payment company by the internet immediately, has prolonged the time that the seller receives payment for goods artificially.Shorten the seller and receive that the time of payment for goods helps improving the efficient of economical running, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, the seller presents the trend of rising day by day to the e-commerce transaction expectation very first time gradually to the demand of account.
Existing computer technology, network technology and mobile communication technology, the seller based on mobile POS realization remote payment who makes the inventor propose first receives that the technical conceive of payment for goods has had the possibility that realizes, that is to say that the seller for setting up remote payment provides the operation system of very first time goods arrival payment that technical support is provided the very first time.Therefore, the inventor receives that the notion of payment for goods has obtained establishment at remote payment seller very first time of proposing first.
Described mobile POS is meant mobile sale point terminal, it is a kind of Multi-featured Mobile Terminal, be unified into network by mobile data network and computing machine, just can realize that electronic funds transfers accounts automatically, it have support online consumption, off-line consumption, inquiry into balance, transfer accounts, function such as reconciliation, use safety, quick, reliable.
Do not retrieve as yet at present about realizing that by remote payment the seller receives the relevant patent documentation of payment for goods the very first time.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, provide and examine goods and the remote payment system of paying related affirmation and method, adopt the buyer of this system on the mobile POS that the sender carries, to brush related Payment Card and just can finish transfer accounts seller's number of the account of buyer's payment for goods.A kind of number of the account card of remote payment is managed, is used for to described related Payment Card in remote payment system.Related Payment Card need be set up corresponding relation with a bank card.
Remote payment pattern of the present invention is: when the user carries out remote payment, remote payment system is from the transfer accounts related payment card account number of fund to the remote payment system of the given transaction amount of money of the bank card of user's related Payment Card correspondence, and produce transaction journal number, after the buyer examines goods reception, the buyer brushes related Payment Card on the mobile POS that the sender carries, import described transaction journal number, mobile POS finishes information to the transaction that comprises related Payment Card and transaction journal number and sends to remote payment system, transfer accounts seller's Bank Account Number of the payment for goods that remote transaction system will be paid the buyer of described transaction journal correspondence under the described related Payment Card.
Technical scheme of the present invention is as follows:
A kind of examining goods and the remote payment system of paying the related affirmation of POS is characterized in that, comprises bank card money transfer transactions gateway device, remote payment database server, internet merchant server, mobile POS; Described bank card business dealing gateway device is by the interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Described remote payment database server is the Computer Database application server, be used to set up the related payment card account number of user, set up the corresponding relation between related payment card account number and the Bank Account Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, according to the Notice Of Transactions instruction that mobile POS sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and the interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Described internet merchant server is the computer server by the internet sales commodity, by internal data network and the interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to the bank card business dealing gateway device to the remote payment number of the account, the bank card business dealing gateway device returns to described remote payment database server to operating result, if transfer accounts successfully, then the generation of remote payment database server is the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, the delivery serial number, the payment for goods number, the term of validity, and echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described delivery serial number, otherwise the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server; The very first time that described system carries out is as follows to the account flow process: the buyer brushes related Payment Card on the mobile POS that the sender carries, input delivery serial number, mobile POS sends to the remote payment database server to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number, the Flow Record of guaranteeing payment whether the checking of remote payment database server exists described related payment card account number and delivery serial number to be associated, if exist and within the term of validity, the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server seller's the Bank Account Number of transferring accounts then, otherwise the remote payment database server sends the refusal delivery information to mobile POS.
Described bank card business dealing gateway device is meant the bank card business dealing gateway server of China Unionpay or the bank card business dealing front server of commercial bank.
Described remote payment number of the account is a bank card account number of serving the remote payment clearance.
A kind of preposition transfer account method of remote payment is characterized in that, may further comprise the steps:
A. the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number;
B. the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate the transfer accounts operation of described bank card account number to the remote payment number of the account to the bank card business dealing gateway device, the bank card business dealing gateway device returns to described remote payment database server to operating result;
If C. operating result indication is transferred accounts successfully, execution in step D then, otherwise, execution in step E;
D. the generation of remote payment database server is the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, delivery serial number, payment for goods number, the term of validity, and echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described delivery serial number, execution in step F;
E. the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server;
F. preposition dress account process finishes.
A kind of transfer account method of examining goods of remote payment is characterized in that, may further comprise the steps:
A. the buyer brushes related Payment Card on the mobile POS that the sender carries, input delivery serial number, and mobile POS sends to the remote payment database server to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number;
B. whether remote payment database server checking exists the Flow Record of guaranteeing payment that described related payment card account number and delivery serial number are associated, if exist and within the term of validity, and execution in step c then, otherwise execution in step d;
C. after the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server is transferred accounts seller's Bank Account Number from the remote payment number of the account, return delivery information and give mobile POS, execution in step e;
D. the remote payment database server sends the refusal delivery information to mobile POS;
E. the sender carries out subsequent treatment according to the operating result of mobile POS.
A kind of remote payment system of the related affirmation with mobile telephone terminal of examining goods is characterized in that, comprises mobile telephone terminal, Mobile Access Gateway equipment, bank card money transfer transactions gateway device, remote payment database server, the internet merchant server, mobile 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 remote payment database server, is used to realize the information interaction between remote payment database server and the mobile telephone terminal; Described bank card business dealing gateway device is by the interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Described remote payment database server is the Computer Database application server, be used to set up the related payment card account of user, set up the corresponding relation between related payment card account number and the Bank Account Number, set up the corresponding relation between the related payment card account number of user and the user's Mobile Directory Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, realize related payment card account number and delivery serial number air download are stored on the mobile phone dedicated RFID that examines goods, check instruction according to the transaction that mobile POS sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and the interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Described internet merchant server is the computer server by the internet sales commodity, by internal data network and the interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to the bank card business dealing gateway device to the remote payment number of the account, the bank card business dealing gateway device returns to described remote payment database server to operating result, if transfer accounts successfully, then echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described remote payment account number and delivery serial number, simultaneously, the remote payment database server downloads to described delivery serial number among the mobile phone dedicated RFID that examines goods of mobile telephone terminal of Mobile Directory Number of related payment card account number correspondence, otherwise the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server; The mobile telephone terminal that described system the carries out flow process of receiving is as follows: the Authority Verification that the buyer receives on the mobile POS that the sender carries by the mobile phone dedicated RFID that examines goods, mobile POS judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS prompting delivery, otherwise the information that mobile POS prompting goods does not match and refuses to deliver goods; Described system carry out for the seller as follows to the flow process of account: mobile POS is comprising related payment card account number and the transaction of the serial number of delivering is checked to instruct and sent to the remote payment database server, transfer accounts seller's Bank Account Number of the payment for goods that the remote payment database server will be paid the buyer of described delivery serial number correspondence under the described related payment card account number.
The described mobile phone dedicated RFID that examines goods is meant the RFID carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM, and described RFID is meant radio-frequency (RF) identification, and its English is Radio FrequencyIdentification.
A kind of method of receiving by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal is characterized in that, may further comprise the steps:
(1) buyer's Authority Verification of on the mobile POS that the sender carries, receiving by the mobile phone dedicated RFID that examines goods;
(2) mobile POS judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS prompting delivery, otherwise the information that mobile POS prompting goods does not match and refuses to deliver goods, execution in step (4);
(3) mobile POS produces the boat note that includes but not limited to related payment card account number, delivery serial number information;
(4) deliver goods process finishes.
The seller that the mobile phone dedicated RFID of examining goods is triggered is characterized in that to the method for account, may further comprise the steps:
(a) mobile POS sends to the remote payment database server comprising related payment card account number with delivery serial number boat note inventory;
(b) payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server seller's the Bank Account Number of transferring accounts.
Technique effect of the present invention is as follows:
The present invention makes the buyer brush related Payment Card on the mobile POS that the sender carries and just can finish transfer accounts seller's number of the account of buyer's payment for goods, makes the seller of remote payment receive payment for goods in the very first time, thereby improves the payment efficient of internet electronic business.
Description of drawings
Fig. 1 is examine goods an implementation structure synoptic diagram with the remote payment system of paying the related affirmation of POS of the present invention.
Fig. 2 is the examine goods implementation structure synoptic diagram of remote payment system of related affirmation with mobile telephone terminal of the present invention.
Fig. 3 is the system construction drawing of remote payment of the related affirmation with deliver goods of examining goods of the embodiment of the invention one.
Embodiment
Fig. 1 is the implementation structure synoptic diagram with the remote payment system of paying the related affirmation of POS of examining goods, wherein,
Remote payment database server 100 adopts TCP/IP to communicate by data network and 120 interconnection of bank card business dealing gateway device, and preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Remote payment database server 100 adopts TCP/IP to communicate by data network and mobile POS130 interconnection, and preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Remote payment database server 100 adopts TCP/IP to communicate by internal data network and 110 interconnection of internet merchant server, and preferably, communication protocol adopts http protocol.
Examine goods and the remote payment system of paying the related affirmation of POS, comprise bank card money transfer transactions gateway device 120, remote payment database server 100, internet merchant server 110, mobile POS130; Bank card business dealing gateway device 120 is by 100 interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Remote payment database server 100 is Computer Database application servers, be used to set up the related payment card account number of user, set up the corresponding relation between related payment card account number and the Bank Account Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, according to the Notice Of Transactions instruction that mobile POS130 sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS130 is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and the interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Internet merchant server 110 is the computer servers by the internet sales commodity, by internal data network and 100 interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: internet merchant server 110 sends to remote payment database server 100 to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, remote payment database server 100 retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to bank card business dealing gateway device 120 to the remote payment number of the account, bank card business dealing gateway device 120 returns to remote payment database server 100 to operating result, if transfer accounts successfully, then 100 generations of remote payment database server are the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, the delivery serial number, the payment for goods number, the term of validity, and echo reply message is given internet merchant server 110, comprise the delivery serial number in the described response message, internet merchant server 110 produces the delivery receipt that comprises described delivery serial number, otherwise remote payment database server 100 sends the unsuccessful response result information of transaction to internet merchant server 110; The very first time that described system carries out is as follows to the account flow process: the buyer brushes related Payment Card on the mobile POS130 that the sender carries, input delivery serial number, mobile POS130 sends to remote payment database server 100 to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number, the Flow Record of guaranteeing payment whether 100 checkings of remote payment database server exist described related payment card account number and delivery serial number to be associated, if exist and within the term of validity, the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server 100 seller's the Bank Account Number of transferring accounts then, otherwise remote payment database server 100 sends the refusal delivery information to mobile POS.
Described bank card business dealing gateway device 100 is meant the bank card business dealing gateway server of China Unionpay or the bank card business dealing front server of commercial bank.
Described remote payment number of the account is a bank card account number of serving the remote payment clearance.
A kind of preposition transfer account method of remote payment may further comprise the steps:
A. internet merchant server 110 sends to remote payment database server 100 to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number;
B. remote payment database server 100 retrieves after its corresponding bank card account number according to described related payment card account number, initiate the transfer accounts operation of described bank card account number to the remote payment number of the account to the bank card business dealing gateway device, bank card business dealing gateway device 120 returns to described remote payment database server 100 to operating result;
If C. operating result indication is transferred accounts successfully, execution in step D then, otherwise, execution in step E;
D. 100 generations of remote payment database server are the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, delivery serial number, payment for goods number, the term of validity, and echo reply message is given internet merchant server 110, comprise the delivery serial number in the described response message, internet merchant server 110 produces the delivery receipt that comprises described delivery serial number, execution in step F;
E. remote payment database server 100 sends the unsuccessful response result information of transaction to described internet merchant server 110;
F. preposition dress account process finishes.
A kind of transfer account method of examining goods of remote payment may further comprise the steps:
A. the buyer brushes related Payment Card on the mobile POS130 that the sender carries, input delivery serial number, and mobile POS130 sends to remote payment database server 100 to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number;
B. whether remote payment database server 100 checking exists the Flow Record of guaranteeing payment that described related payment card account number and delivery serial number are associated, if exist and within the term of validity, and execution in step c then, otherwise execution in step d;
C. after the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server 100 is transferred accounts seller's Bank Account Number from the remote payment number of the account, return delivery information and give mobile POS130, execution in step e;
D. remote payment database server 100 sends the refusal delivery information to mobile POS130;
E. the sender carries out subsequent treatment according to the information of mobile POS 130.
Fig. 2 is the implementation structure synoptic diagram of remote payment system of related affirmation with mobile telephone terminal of examining goods, wherein,
Remote payment database server 100 adopts TCP/IP to communicate by data network and 120 interconnection of bank card business dealing gateway device, and preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Remote payment database server 100 adopts TCP/IP to communicate by data network and mobile POS130 interconnection, and preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Remote payment database server 100 adopts TCP/IP to communicate by internal data network and 110 interconnection of internet merchant server, and preferably, communication protocol adopts http protocol;
Remote payment database server 100 is by mobile communications network 140 and 110 interconnection of Mobile Access Gateway equipment;
Adopt the communication protocol of mobile operator appointment to communicate between remote payment database server 100 and the Mobile Access Gateway equipment 150, 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 150 adopts the standard agreement of mobile communication wireless part to communicate with mobile telephone terminal 170.
The examine goods remote payment system of related affirmation with mobile telephone terminal comprises mobile telephone terminal 170, Mobile Access Gateway equipment 150, bank card money transfer transactions gateway device 120, remote payment database server 100, internet merchant server 110, mobile POS130; Mobile telephone terminal 170 is by mobile communication wireless network 160 and 150 interconnection of Mobile Access Gateway equipment, Mobile Access Gateway equipment 150 is by mobile communications network 140 and 100 interconnection of remote payment database server, is used to realize the information interaction between remote payment database server 100 and the mobile telephone terminal 170; Bank card business dealing gateway device 120 is by 100 interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Remote payment database server 100 is Computer Database application servers, be used to set up the related payment card account of user, set up the corresponding relation between related payment card account number and the Bank Account Number, set up the corresponding relation between the related payment card account number of user and the user's Mobile Directory Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, realize related payment card account number and delivery serial number air download are stored on the mobile phone dedicated RFID that examines goods, check instruction according to the transaction that mobile POS130 sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS130 is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and 100 interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Internet merchant server 110 is the computer servers by the internet sales commodity, by internal data network and 100 interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: internet merchant server 110 sends to remote payment database server 100 to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, remote payment database server 100 retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to bank card business dealing gateway device 120 to the remote payment number of the account, bank card business dealing gateway device 120 returns to remote payment database server 100 to operating result, if transfer accounts successfully, then echo reply message is given internet merchant server 110, comprise the delivery serial number in the described response message, internet merchant server 110 produces the delivery receipt that comprises described remote payment account number and delivery serial number, simultaneously, remote payment database server 100 downloads to described delivery serial number among the mobile phone dedicated RFID that examines goods of mobile telephone terminal of Mobile Directory Number of related payment card account number correspondence, otherwise remote payment database server 100 sends the unsuccessful response result information of transaction to internet merchant server 110; The mobile telephone terminal that described system the carries out flow process of receiving is as follows: the Authority Verification that the buyer receives on the mobile POS130 that the sender carries by the mobile phone dedicated RFID that examines goods, mobile POS130 judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS130 prompting delivery, otherwise the information that mobile POS130 prompting goods does not match and refuses to deliver goods; Described system carry out for the seller as follows to the flow process of account: mobile POS130 is comprising related payment card account number and the transaction of the serial number of delivering is checked to instruct and sent to remote payment database server 100, transfer accounts seller's Bank Account Number of the payment for goods that remote payment database server 100 will be paid the buyer of described delivery serial number correspondence under the described related payment card account number.
The described mobile phone dedicated RFID that examines goods is meant the RFID carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM, and described RFID is meant radio-frequency (RF) identification, and its English is Radio FrequencyIdentification.
A kind of method of receiving by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal may further comprise the steps:
(1) buyer's Authority Verification of on the mobile POS130 that the sender carries, receiving by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal 170;
(2) mobile POS130 judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS130 prompting delivery, otherwise the information that mobile POS130 prompting goods does not match and refuses to deliver goods, execution in step (4);
(3) mobile POS130 produces the boat note that includes but not limited to related payment card account number, delivery serial number information;
(4) deliver goods process finishes.
The seller that the mobile phone dedicated RFID of examining goods is triggered may further comprise the steps to the method for account:
(a) mobile POS130 sends to remote payment database server 100 comprising related payment card account number with delivery serial number boat note inventory;
(b) payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server 100 seller's the Bank Account Number of transferring accounts.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 3, Fig. 3 is the system construction drawing of remote payment of the related affirmation with deliver goods of examining goods of the embodiment of the invention one, wherein:
The bank card business dealing gateway device is the bank card business dealing main frame 220 of Unionpay's machine room;
Remote payment database server 100 adopts the communication protocol of mobile operator appointment to communicate by mobile communications network and 190 interconnection of mobile operator billing and accounting system, preferably, adopts the account interface H2 of battalion of telecom operators agreement.
The preposition implementation method of transferring accounts of remote payment may further comprise the steps:
A. internet merchant server 110 sends to remote payment database server 100 to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number;
B. remote payment database server 100 retrieves after its corresponding bank card account number according to described related payment card account number, initiate the transfer accounts operation of described bank card account number to the remote payment number of the account to bank card business dealing main frame 220, bank card business dealing main frame 220 returns to described remote payment database server 100 to operating result;
If C. operating result indication is transferred accounts successfully, execution in step D then, otherwise, execution in step E;
D. 100 generations of remote payment database server are the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, delivery serial number, payment for goods number, the term of validity, and echo reply message is given internet merchant server 110, comprise the delivery serial number in the described response message, internet merchant server 110 produces the delivery receipt that comprises described delivery serial number, execution in step F;
E. remote payment database server 100 sends the unsuccessful response result information of transaction to described internet merchant server 110;
F. preposition dress account process finishes.
The implementation method of examining goods and promptly transferring accounts of remote payment may further comprise the steps:
A. the buyer brushes related Payment Card on the mobile POS130 that the sender carries, input delivery serial number, and mobile POS130 sends to remote payment database server 100 to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number;
B. whether remote payment database server 100 checking exists described related payment card account number and the relevant Flow Record of guaranteeing payment of delivery serial number, if existence and within the term of validity, execution in step c then, otherwise execution in step d;
C. after the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server 100 is transferred accounts seller's Bank Account Number from the remote payment number of the account, return delivery information and give mobile POS130, execution in step e;
D. remote payment database server 100 sends the refusal delivery information to mobile POS130;
E. the sender carries out subsequent treatment according to the information of mobile POS130.
The user sets up described user's the related Payment Card account number and the implementation method of the corresponding relation between the Bank Account Number by POS, may further comprise the steps:
The user brushes bank card by POS, the input bank card password, brush related Payment Card account number, and input payment cipher, send related Payment Card by data network and open an account order to remote payment database server 100, remote payment database server 100 is signed the power authentication by the ownership bank that bank card business dealing main frame 220 sends instructions to described bank card, if the bank card account number authentication is passed through, then remote payment database server 100 is set up the corresponding relation of described related Payment Card account number and described Bank Account Number, and return the successful result message of opening an account to POS, if the bank card account number authentication is not passed through, then remote payment database server 100 returns the unsuccessful message of opening an account to POS, POS display operation result or the printing voucher of opening an account.
The user sets up the implementation method of the corresponding relation between described user's related Payment Card account number, Mobile Directory Number and the Bank Account Number by POS, may further comprise the steps:
The user brushes bank card by POS, the input bank card password, the input Mobile Directory Number, brush related Payment Card account number, and behind the input payment cipher, send mobile related Payment Card by data network and open an account order to remote payment database server 100, remote 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 remote 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 POS, if all authenticating, bank card account number and Mobile Directory Number do not pass through, then remote payment database server 100 returns the unsuccessful message of opening an account to POS, POS display operation result or the printing voucher of opening an account.
The sender is read in the implementation method of the related confirmation of goods on mobile POS130, as follows:
(A) goods arrives the destination;
(B) sender reads RFID information on the goods by mobile POS130, and goods information comprises related payment card account number, delivery serial number information.
Implementation method by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal receives may further comprise the steps:
(1) buyer's Authority Verification of on the mobile POS130 that the sender carries, receiving by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal 170;
(2) mobile POS130 judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS130 prompting delivery, otherwise the information that mobile POS130 prompting goods does not match and refuses to deliver goods, execution in step (4);
(3) mobile POS130 produces the boat note that includes but not limited to related payment card account number, delivery serial number information;
(4) deliver goods process finishes.
The seller that the mobile phone dedicated RFID of examining goods is triggered may further comprise the steps to the implementation method of account:
(a) mobile POS130 sends to remote payment database server 100 comprising related payment card account number with delivery serial number boat note inventory;
(b) payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server 100 seller's the Bank Account Number of transferring accounts.
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)
1. examine goods and the remote payment system of paying the related affirmation of POS for one kind, it is characterized in that, comprise bank card money transfer transactions gateway device, remote payment database server, internet merchant server, mobile POS; Described bank card business dealing gateway device is by the interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Described remote payment database server is the Computer Database application server, be used to set up the related payment card account number of user, set up the corresponding relation between related payment card account number and the Bank Account Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, according to the Notice Of Transactions instruction that mobile POS sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and the interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Described internet merchant server is the computer server by the internet sales commodity, by internal data network and the interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to the bank card business dealing gateway device to the remote payment number of the account, the bank card business dealing gateway device returns to described remote payment database server to operating result, if transfer accounts successfully, then the generation of remote payment database server is the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, the delivery serial number, the payment for goods number, the term of validity, and echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described delivery serial number, otherwise the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server; The very first time that described system carries out is as follows to the account flow process: the buyer brushes related Payment Card on the mobile POS that the sender carries, input delivery serial number, mobile POS sends to the remote payment database server to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number, the Flow Record of guaranteeing payment whether the checking of remote payment database server exists described related payment card account number and delivery serial number to be associated, if exist and within the term of validity, the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server seller's the Bank Account Number of transferring accounts then, otherwise the remote payment database server sends the refusal delivery information to mobile POS.
2. according to claim 1 examining goods and the remote payment system of paying the related affirmation of POS, it is characterized in that described bank card business dealing gateway device is meant the bank card business dealing gateway server of China Unionpay or the bank card business dealing front server of commercial bank.
3. according to claim 1 examining goods and the remote payment system of paying the related affirmation of POS is characterized in that, described remote payment number of the account is a bank card account number of serving the remote payment clearance.
4. the preposition transfer account method of a remote payment is characterized in that, may further comprise the steps:
A. the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number;
B. the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate the transfer accounts operation of described bank card account number to the remote payment number of the account to the bank card business dealing gateway device, the bank card business dealing gateway device returns to described remote payment database server to operating result;
If C. operating result indication is transferred accounts successfully, execution in step D then, otherwise, execution in step E;
D. the generation of remote payment database server is the Flow Record of guaranteeing payment of index with described related payment card account number, described Flow Record includes but not limited to seller's Bank Account Number, delivery serial number, payment for goods number, the term of validity, and echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described delivery serial number, execution in step F;
E. the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server;
F. preposition dress account process finishes.
5. the transfer account method of examining goods of a remote payment is characterized in that, may further comprise the steps:
A. the buyer brushes related Payment Card on the mobile POS that the sender carries, input delivery serial number, and mobile POS sends to the remote payment database server to the Notice Of Transactions instruction that comprises related payment card account number and delivery serial number;
B. whether remote payment database server checking exists the Flow Record of guaranteeing payment that described related payment card account number and delivery serial number are associated, if exist and within the term of validity, and execution in step c then, otherwise execution in step d;
C. after the payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server is transferred accounts seller's Bank Account Number from the remote payment number of the account, return delivery information and give mobile POS, execution in step e;
D. the remote payment database server sends the refusal delivery information to mobile POS;
E. the sender carries out subsequent treatment according to the operating result of mobile POS.
6. the remote payment system of related affirmation with mobile telephone terminal of examining goods is characterized in that, comprises mobile telephone terminal, Mobile Access Gateway equipment, bank card money transfer transactions gateway device, remote payment database server, the internet merchant server, mobile 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 remote payment database server, is used to realize the information interaction between remote payment database server and the mobile telephone terminal; Described bank card business dealing gateway device is by the interconnection of data network and remote payment database server, is used to realize transferring accounts between Bank Account Number and the related payment card account number; Described remote payment database server is the Computer Database application server, be used to set up the related payment card account of user, set up the corresponding relation between related payment card account number and the Bank Account Number, set up the corresponding relation between the related payment card account number of user and the user's Mobile Directory Number, the instruction of transferring accounts of sending according to related Payment Card user, realize Bank Account Number the transferring accounts of related payment card account number correspondence to related payment card account number, realize related payment card account number and delivery serial number air download are stored on the mobile phone dedicated RFID that examines goods, check instruction according to the transaction that mobile POS sends, finish related payment card account number transferring accounts to trade company's Bank Account Number; Mobile POS is the means point of sale portable terminal, it is a kind of multi-functional terminal end, be unified into network by mobile data network and computing machine, the function that realizes comprises off-line consumption, online consumption, inquiry into balance, transfers accounts, reconciliation, by data network and the interconnection of remote payment database server, finish the transfer accounts process of related payment card account number to trade company's Bank Account Number; Described internet merchant server is the computer server by the internet sales commodity, by internal data network and the interconnection of remote payment database server, is used to realize the internet sales of commodity; The flow process of guaranteeing payment that described system carries out is as follows: the internet merchant server sends to the remote payment database server to the transfer of financial resources of designated amounts on the related payment card account number of user to the service request of specifying businessman's Bank Account Number, the remote payment database server retrieves after its corresponding bank card account number according to described related payment card account number, initiate of the transfer accounts operation of described bank card account number to the bank card business dealing gateway device to the remote payment number of the account, the bank card business dealing gateway device returns to described remote payment database server to operating result, if transfer accounts successfully, then echo reply message is given the internet merchant server, comprise the delivery serial number in the described response message, the internet merchant server produces the delivery receipt that comprises described remote payment account number and delivery serial number, simultaneously, the remote payment database server downloads to described delivery serial number among the mobile phone dedicated RFID that examines goods of mobile telephone terminal of Mobile Directory Number of related payment card account number correspondence, otherwise the remote payment database server sends the unsuccessful response result information of transaction to described internet merchant server; The mobile telephone terminal that described system the carries out flow process of receiving is as follows: the Authority Verification that the buyer receives on the mobile POS that the sender carries by the mobile phone dedicated RFID that examines goods, mobile POS judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS prompting delivery, otherwise the information that mobile POS prompting goods does not match and refuses to deliver goods; Described system carry out for the seller as follows to the flow process of account: mobile POS is comprising related payment card account number and the transaction of the serial number of delivering is checked to instruct and sent to the remote payment database server, transfer accounts seller's Bank Account Number of the payment for goods that the remote payment database server will be paid the buyer of described delivery serial number correspondence under the described related payment card account number.
7. the remote payment system of the related affirmation of examining goods according to claim 6 with mobile telephone terminal, it is characterized in that, the described mobile phone dedicated RFID that examines goods is meant the RFID carrier that depends on intelligent mobile phone card control, includes but not limited to SIMpass or RF-SIM.
8. the remote payment system of the related affirmation with mobile telephone terminal of examining goods according to claim 6 is characterized in that described RFID is meant radio-frequency (RF) identification, and its English is Radio Frequency Identification.
9. a method of receiving by the mobile phone dedicated RFID that examines goods on the mobile telephone terminal is characterized in that, may further comprise the steps:
(1) buyer's Authority Verification of on the mobile POS that the sender carries, receiving by the mobile phone dedicated RFID that examines goods;
(2) mobile POS judges whether related payment card account number, delivery serial number mate with goods, if coupling, then mobile POS prompting delivery, otherwise the information that mobile POS prompting goods does not match and refuses to deliver goods, execution in step (4);
(3) mobile POS produces the boat note that includes but not limited to related payment card account number, delivery serial number information;
(4) deliver goods process finishes.
10. the seller that the mobile phone dedicated RFID of examining goods is triggered is characterized in that to the method for account, may further comprise the steps:
(a) mobile POS sends to the remote payment database server comprising related payment card account number with delivery serial number boat note inventory;
(b) payment for goods that will pay the buyer of described delivery serial number correspondence under the described related payment card account number of remote payment database server seller's the Bank Account Number of transferring accounts.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102258794A CN101404077A (en) | 2008-11-04 | 2008-11-04 | Remote payment system and method for associated affirmation of goods inspection and payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102258794A CN101404077A (en) | 2008-11-04 | 2008-11-04 | Remote payment system and method for associated affirmation of goods inspection and payment |
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| Publication Number | Publication Date |
|---|---|
| CN101404077A true CN101404077A (en) | 2009-04-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008102258794A Pending CN101404077A (en) | 2008-11-04 | 2008-11-04 | Remote payment system and method for associated affirmation of goods inspection and payment |
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| CN (1) | CN101404077A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102346889A (en) * | 2010-08-04 | 2012-02-08 | 中国移动通信有限公司 | POS (Point of Sale) terminal-based off-line transaction method, POS terminal-based off-line transaction system and related devices |
| CN105894271A (en) * | 2016-03-30 | 2016-08-24 | 乐视控股（北京）有限公司 | Method and device for selling terminals associated with member service |
| CN106326185A (en) * | 2016-08-30 | 2017-01-11 | 北京像素软件科技股份有限公司 | Processing method for asynchronous data consumption |
| CN108257016A (en) * | 2016-12-29 | 2018-07-06 | 平安科技（深圳）有限公司 | Data processing method and device |
| CN110969439A (en) * | 2018-09-30 | 2020-04-07 | 上海柠睿企业服务合伙企业(有限合伙) | Commodity delivery method, commodity delivery device, terminal, server and readable storage medium |
| CN111031066A (en) * | 2019-12-25 | 2020-04-17 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
-
2008
- 2008-11-04 CN CNA2008102258794A patent/CN101404077A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102346889A (en) * | 2010-08-04 | 2012-02-08 | 中国移动通信有限公司 | POS (Point of Sale) terminal-based off-line transaction method, POS terminal-based off-line transaction system and related devices |
| CN102346889B (en) * | 2010-08-04 | 2014-04-30 | 中国移动通信有限公司 | POS (Point of Sale) terminal-based off-line transaction method, POS terminal-based off-line transaction system and related devices |
| CN105894271A (en) * | 2016-03-30 | 2016-08-24 | 乐视控股（北京）有限公司 | Method and device for selling terminals associated with member service |
| CN106326185A (en) * | 2016-08-30 | 2017-01-11 | 北京像素软件科技股份有限公司 | Processing method for asynchronous data consumption |
| CN108257016A (en) * | 2016-12-29 | 2018-07-06 | 平安科技（深圳）有限公司 | Data processing method and device |
| CN110969439A (en) * | 2018-09-30 | 2020-04-07 | 上海柠睿企业服务合伙企业(有限合伙) | Commodity delivery method, commodity delivery device, terminal, server and readable storage medium |
| CN111031066A (en) * | 2019-12-25 | 2020-04-17 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
| CN111031066B (en) * | 2019-12-25 | 2022-02-01 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
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