CN101515387A - System and method for realizing non-contact payment based on payment bridge - Google Patents
System and method for realizing non-contact payment based on payment bridge Download PDFInfo
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- CN101515387A CN101515387A CNA2008102468928A CN200810246892A CN101515387A CN 101515387 A CN101515387 A CN 101515387A CN A2008102468928 A CNA2008102468928 A CN A2008102468928A CN 200810246892 A CN200810246892 A CN 200810246892A CN 101515387 A CN101515387 A CN 101515387A
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Abstract
The invention provides a system and a method for realizing non-contact payment based on a payment bridge. On-line payment service triggered by a non-contact payment identification code is provided by establishing the corresponding relation of the non-contact payment identification code and a bank deposit account A in a payment bridge transaction system, and a payment bridge transaction server is used to finish the transferred account service of the bank deposit account A corresponding to the non-contact payment identification code to a bank account number of a merchant, thereby ensuring that a mobile phone user can finish on-line payment through an RFID card or a two-dimensional code multimedia message.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of system and method for realizing contactless payment based on the payment bridge.The present invention is by setting up the corresponding relation of noncontact carrier recognition sign indicating number and cash in banks number of the account A in payment bridge transaction system, the on-line payment business that is triggered by noncontact carrier recognition sign indicating number is provided, finishes the transferred account service of the cash in banks number of the account A of noncontact carrier recognition sign indicating number correspondence to trade company's Bank Account Number by payment bridge trading server.Described noncontact carrier recognition sign indicating number is meant wireless radio frequency discrimination RFID label or two-dimension code etc.
Background technology
In present financial field, it is more universal to adopt radio frequency identification to stick into the business of capable offline electronic payment, for example city all-purpose card, mass transit card etc., so the defective that exists is the user will be arrived appointed positions and supplement with money to the radio frequency identification card, for problem is supplemented in solution with money, the part bank card has encapsulated radio RF recognition technology, the bank that has adopts wireless radio-frequency that bank card has been encapsulated in the mobile telephone terminal, defective be adopt the bank card of radio RF recognition technology directly corresponding be Bank Account Number, have the safety of payment risk.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, a kind of system and method for realizing contactless payment based on the payment bridge is provided, main pattern is: trade company is noncontact carrier recognition sign indicating number, user's the payment cipher and the amount of money send to payment bridge trading server through POS, the Bank Account Number of described trade company of transferring accounts of the transaction system of fund bank under described Bank Account Number of the amount of money described in the bank account of the noncontact carrier recognition sign indicating number correspondence that payment bridge trading server passes through authentication, transaction system is returned described transaction results of transferring accounts and is given payment bridge trading server, and payment bridge trading server sends to described POS to transaction results.
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.
The invention still further relates to OTA menu, STK menu, PIN.
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 English of described STK is the abbreviation of SIM Tool Kit, is called for short STK, and the STK menu is the application menu of developing in the high capacity mobile communication intelligent card that uses on mobile telephone terminal.
Described PIN is exactly the individual identification password of intelligent mobile phone card (SIM card or UIM card etc.)
Technical scheme of the present invention is as follows:
A kind of system based on payment bridge realization contactless payment is characterized in that, comprises contactless payment POS, POS accessing gateway equipment, mobile telephone terminal, Mobile Access Gateway equipment, bank card business dealing gateway device, payment bridge trading server; Mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by mobile communications network and the interconnection of payment bridge trading server, be used to realize paying the information interaction between bridge trading server and the mobile telephone terminal, the bank card business dealing gateway device is by data network and the interconnection of payment bridge trading server, be used to realize paying the information interaction between bridge trading server and the bank card business dealing gateway device, contactless payment POS is by communication network and the interconnection of POS accessing gateway equipment, the POS accessing gateway equipment is used to realize contactless payment POS and the information interaction of paying between the bridge trading server by data network and the interconnection of payment bridge trading server; Described payment bridge trading server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the contactless payment identification code, be used to set up the corresponding relation database table between user's Bank Account Number and the contactless payment identification code, be used to receive that contactless payment POS initiates comprises the contactless payment identification code, the Payment Request of payment cipher and amount information, and the Bank Account Number of fund trade company under the bank card business dealing gateway device is transferred accounts described contactless payment POS of the amount of money described in the bank account of the contactless payment identification code correspondence that authentication is passed through, and transaction results returned to described contactless payment POS; Described handover telephone terminal is used to carry the contactless payment identification code, and consumes on contactless payment POS by the contactless payment identification code of its carrying; Described bank card business dealing gateway device connects the banking transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network, be used to realize paying the Bank Account Number of bridge trading server initiation to transferring accounts between the middle number of the account of system, and realize number of the account in the middle of the system that payment bridge trading server initiates, or be used to realize paying Bank Account Number the transferring accounts of bridge trading server initiation to trade company's Bank Account Number to the transferring accounts of trade company's Bank Account Number; Described contactless payment POS is used to receive the contactless payment request that contactless payment identification code carrier triggers, and described contactless payment request is sent to payment bridge trading server through the POS accessing gateway equipment.
Number of the account is a bank card account number of serving contactless payment in the middle of the described system.
Described contactless payment identification code is meant radio frequency identification sign indicating number RFID.
Described contactless payment identification code is meant two-dimension code.
A kind of middle number of the account method based on payment bridge realization contactless payment is characterized in that, may further comprise the steps:
A. the user uses the mobile telephone terminal of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS of trade company;
B. after contactless payment POS gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server through the POS accessing gateway equipment;
C. pay the bridge trading server and the user is verified,, then send the unsuccessful message of consumption to described contactless payment POS, execution in step i if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. the instruction of paying the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund number of the account in the middle of the system is to the bank card business dealing gateway device;
E. bank card business dealing gateway device return result if it is unsuccessful to transfer accounts, then sends the unsuccessful message of consumption to described contactless payment POS, execution in step i to payment bridge trading server;
F. pay the bridge trading server send from number of the account in the middle of the described system transfer accounts the fund of described dealing money to the instruction of the Bank Account Number of described trade company to the bank card business dealing gateway device;
G. bank card business dealing gateway device return result is to payment bridge trading server, unsuccessful if transfer accounts, then pay the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund in the middle of the system number of the account dash positive order behind the bank card business dealing gateway device, send the unsuccessful message of consumption to described contactless payment POS, execution in step i;
H. pay the bridge trading server and return the consumption success message to described contactless payment POS;
I. contactless payment POS shows operating result;
J. flow process finishes.
Comprise also among the described step a that the user is by the code keypad input payment cipher of contactless payment POS.
Among the described step a, the user's mobile phone terminal is sent to contactless payment POS to user's contactless payment identification code by the noncontact mode.
A kind of direct method based on payment bridge realization contactless payment is characterized in that, may further comprise the steps:
A. the user uses the mobile telephone terminal of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS of trade company;
B. after contactless payment POS gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server through the POS accessing gateway equipment;
C. pay the bridge trading server and the user is verified,, then send the unsuccessful message of consumption to described contactless payment POS, execution in step i if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. pay the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund to the instruction of the Bank Account Number of described trade company to the bank card business dealing gateway device;
E. bank card business dealing gateway device return result if it is unsuccessful to transfer accounts, then sends the unsuccessful message of consumption to described contactless payment POS, execution in step G to payment bridge trading server;
F. pay the bridge trading server and return the consumption success message to described contactless payment POS;
G. contactless payment POS shows operating result;
H. flow process finishes.
A kind of mobile phone user obtains the safety method of temporary payments password, it is characterized in that, may further comprise the steps:
1. the user selects to obtain temporary payments password menu item on the OTA of mobile telephone terminal menu or STK menu or client;
2. mobile telephone terminal prompting user imports PIN, if the PIN of user's input is incorrect, after then mobile telephone terminal prompting user operated and gets nowhere, execution in step 6.;
3. mobile telephone terminal sends and obtains temporary payments cipher instruction message to payment bridge trading server;
4. pay the bridge trading server according to the user's mobile phone number generate described user the temporary payments password and the storage after, described temporary payments password is sent to mobile telephone terminal;
5. mobile telephone terminal is showed payment result;
6. flow process finishes.
A kind of mobile phone user is characterized in that by the safety method of mobile telephone terminal affirmation payment by the transfer of account, may further comprise the steps:
(a) payment bridge trading server sends to described user's mobile phone terminal to user's order serial number;
(b) mobile telephone terminal is showed purchasing order information, and the prompting user confirms or the cancellation payment, if the user cancels payment, and execution in step (g) then;
(c) mobile telephone terminal prompting user imports PIN, if the PIN of user's input is incorrect, and after then mobile telephone terminal prompting user operates and gets nowhere, execution in step (g);
(d) mobile telephone terminal sends and confirms that payment message is to payment bridge trading server;
(e) payment bridge trading server finish described user's Mobile Directory Number correspondence Bank Account Number to the payment by the transfer of account process of order trade company after, send payment result message and arrive mobile telephone terminal;
(f) mobile telephone terminal is showed payment result message;
(g) flow process finishes.
Technique effect of the present invention is as follows:
The present invention is by setting up the corresponding relation of contactless payment identification code and cash in banks number of the account A in payment bridge transaction system, the on-line payment business that is triggered by the contactless payment identification code is provided, finish the transferred account service of the cash in banks number of the account A of contactless payment identification code correspondence by payment bridge trading server, thereby make the mobile phone user just can finish on-line payment by rfid card or two-dimension code multimedia message to trade company's Bank Account Number.
Description of drawings
Fig. 1 is that Fig. 1 of the present invention is based on the system architecture synoptic diagram that the payment bridge is realized contactless payment.
Fig. 2 is the system construction drawing of the embodiment of the invention one.
Embodiment
Fig. 1 is based on the system architecture synoptic diagram that the payment bridge is realized contactless payment, wherein:
Payment bridge trading server 100 is by mobile communications network 160 and 170 interconnection of Mobile Access Gateway equipment;
Payment bridge trading server 100 is by data network 130 and 110 interconnection of bank card business dealing gateway device;
Bank card business dealing gateway device 110 connects bank transaction system 131 by data network;
Adopt TCP/IP to communicate between payment bridge trading server 100 and the bank card business dealing gateway device 110, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Contactless payment POS150 connects POS accessing gateway equipment 120 by communication network 140, and preferably, the communication protocol between contactless payment POS and the POS accessing gateway equipment 120 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Payment bridge trading server 100 is by data network 130 and 120 interconnection of POS accessing gateway equipment, preferably, the communication protocol between POS accessing gateway equipment 120 and the payment bridge trading server 100 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Adopt the communication protocol of mobile operator appointment to communicate between payment bridge trading server 100 and the Mobile Access Gateway equipment 170, 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 170 adopts the standard agreement of mobile communication wireless part to communicate with mobile telephone terminal 190.
A kind of system based on payment bridge realization contactless payment comprises contactless payment POS150, POS accessing gateway equipment 120, mobile telephone terminal 190, Mobile Access Gateway equipment 170, bank card business dealing gateway device 110, payment bridge trading server 100; Wherein,
Payment bridge trading server 100 is Computer Database application servers, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the contactless payment identification code, be used to set up the corresponding relation database table between user's Bank Account Number and the contactless payment identification code, be used to receive that contactless payment POS150 initiates comprises the contactless payment identification code, the Payment Request of payment cipher and amount information, and the Bank Account Number of fund trade company under bank card business dealing gateway device 110 is transferred accounts contactless payment POS150 of the amount of money described in the bank account of the contactless payment identification code correspondence that authentication is passed through, and transaction results returned to contactless payment POS150;
Bank card business dealing gateway device 110 connects the banking transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network, be used to realize paying the Bank Account Number of bridge trading server 100 initiations to transferring accounts between the middle number of the account of system, and realize number of the account in the middle of the system that payment bridge trading server 100 initiates, or be used to realize paying Bank Account Number the transferring accounts of bridge trading server 100 initiations to trade company's Bank Account Number to the transferring accounts of trade company's Bank Account Number;
Contactless payment POS150 is used to receive the contactless payment request that contactless payment identification code carrier triggers, and described contactless payment request is sent to payment bridge trading server 100 through POS accessing gateway equipment 120.
Preferably, number of the account is a bank card account number of serving contactless payment in the middle of the described system.
Preferably, described contactless payment identification code is meant radio frequency identification sign indicating number RFID.
Preferably, described contactless payment identification code is meant two-dimension code.
A kind of middle number of the account method based on payment bridge realization contactless payment may further comprise the steps:
A. the user uses the mobile telephone terminal 190 of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS150 of trade company;
B. after contactless payment POS150 gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server 100 through POS accessing gateway equipment 120;
C. pay bridge trading server 100 and the user is verified,, then send the unsuccessful message of consumption to contactless payment POS150, execution in step i if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. the instruction of paying bridge trading server 100 sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund number of the account in the middle of the system is to bank card business dealing gateway device 110;
E. bank card business dealing gateway device 110 return results if it is unsuccessful to transfer accounts, then send the unsuccessful message of consumption to contactless payment POS150, execution in step i to payment bridge trading server 100;
F. pay bridge trading server 100 send from number of the account in the middle of the described system transfer accounts the fund of described dealing money to the instruction of the Bank Account Number of described trade company to bank card business dealing gateway device 110;
G. bank card business dealing gateway device 110 return results are to payment bridge trading server 100, unsuccessful if transfer accounts, then pay bridge trading server 100 sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund in the middle of the system number of the account dash positive order behind bank card business dealing gateway device 110, send the unsuccessful message of consumption to contactless payment POS150, execution in step i;
H. pay bridge trading server 100 and return the consumption success message to contactless payment POS150;
I. contactless payment POS150 shows operating result;
J. flow process finishes.
Comprise also among the described step a that the user is by the code keypad input payment cipher of contactless payment POS150.
Among the described step a, user's mobile phone terminal 190 is sent to contactless payment POS150 to user's contactless payment identification code by the noncontact mode.
A kind of direct method based on payment bridge realization contactless payment may further comprise the steps:
A. the user uses the mobile telephone terminal 190 of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS150 of trade company;
B. after contactless payment POS150 gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server 100 through POS accessing gateway equipment 120;
C. pay bridge trading server 100 and the user is verified,, then send the unsuccessful message of consumption to contactless payment POS150, execution in step G if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. pay bridge trading server 100 sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund to the instruction of the Bank Account Number of described trade company to bank card business dealing gateway device 110;
E. bank card business dealing gateway device 110 return results if it is unsuccessful to transfer accounts, then send the unsuccessful message of consumption to contactless payment POS150, execution in step G to payment bridge trading server 100;
F. pay bridge trading server 100 and return the consumption success message to contactless payment POS150;
G. contactless payment POS150 shows operating result;
H. flow process finishes.
A kind of mobile phone user obtains the safety method of temporary payments password, may further comprise the steps:
1. the user selects to obtain temporary payments password menu item on the OTA of mobile telephone terminal 190 menu or STK menu or client;
2. mobile telephone terminal 190 prompting users import PIN, if the PIN of user's input is incorrect, after then mobile telephone terminal 190 prompting users operated and get nowhere, execution in step 6.;
3. mobile telephone terminal 190 sends and obtains temporary payments cipher instruction message to payment bridge trading server 100;
4. pay bridge trading server 100 according to the user's mobile phone number generate described user the temporary payments password and the storage after, described temporary payments password is sent to mobile telephone terminal 190;
5. mobile telephone terminal 190 is showed the temporary payments password;
6. flow process finishes.
The PIN of described step in 2. is meant the individual identification password of the mobile communication intelligent card that uses in the mobile telephone terminal 190.Described mobile communication intelligent card is meant SIM card, UIM card, ISIM card or usim card etc.
A kind of mobile phone user may further comprise the steps by the safety method of mobile telephone terminal affirmation payment by the transfer of account:
(a) payment bridge trading server 100 sends to described user's mobile phone terminal to user's order serial number;
(b) mobile telephone terminal is showed purchasing order information, and the prompting user confirms or the cancellation payment, if the user cancels payment, and execution in step (g) then;
(c) mobile telephone terminal prompting user imports PIN, if the PIN of user's input is incorrect, and after then mobile telephone terminal prompting user operates and gets nowhere, execution in step (g);
(d) mobile telephone terminal sends and confirms that payment message is to payment bridge trading server 100;
(e) payment bridge trading server 100 finish described user's Mobile Directory Number correspondence Bank Account Number to the payment by the transfer of account process of order trade company after, send payment result message and arrive mobile telephone terminal;
(f) mobile telephone terminal is showed payment result message;
(g) flow process finishes.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 2, Fig. 2 is the system construction drawing of the embodiment of the invention one, wherein:
The bank card business dealing gateway device is realized by the bank card business dealing main frame 210 of China Unionpay's machine room;
The POS accessing gateway equipment is realized by the network insertion controller NAC220 of China Unionpay's machine room;
Mobile Access Gateway equipment is realized by the base station sub-system 270 of mobile communication carrier;
Mobile communications network is made up of the mobile MSC of ESC exchange servicing center, VLR Visitor Location Register VLR, attaching position register HLR, the SMSC of short message service center, short messaging gateway SMG, WAP gateway etc.
On the mobile communication intelligent card of mobile telephone terminal, increase the contactless payment identification code, for example based on the RF-SIM and the SIMPASS of SIM card.Described RF-SIM is a kind of near/middle distance wireless communication technology based on SIM card, and this technology is a kind of of NFC wireless near field communication, and 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, can safely, easily finish payment process.
Preferably, the mobile telephone terminal of carrying contactless payment identification code is realized by the mobile telephone terminal that the RF-SIM card has been installed, or is realized by the mobile telephone terminal that SIMPASS has been installed.
Preferably, the contactless payment identification code realizes by two-dimension code, sends to mobile telephone terminal by payment bridge trading server 100 by the two-dimension code Multimedia Message.
Contactless payment POS is realized by the POS that can read RFID, or realizes that by the POS that can read two-dimension code wherein POS handles as user's number of the account with RFID identification code or two-dimension code identification code.
Preferably, for distributing 10658001 short messages as contactless payment, payment bridge trading server 100 inserts sign indicating number.
The payment cipher of contactless payment POS prompting user input is the payment cipher that is distributed for the user by payment bridge trading server 100, a kind of acquisition methods of described payment cipher is by the OTA menu on the mobile telephone terminal, when user user carrying out on the OTA of mobile telephone terminal 190 menu obtain temporary payments password menu item after, mobile telephone terminal 190 prompting users import PIN, if the PIN of user's input is incorrect, then mobile telephone terminal 190 is ended the user and is obtained payment cipher, if the PIN of user's input is correct, then mobile telephone terminal 190 sends the short message instruction message that obtains the temporary payments password and inserts number 10658001 to the short message of paying bridge trading server 100, after payment bridge trading server 100 generates described user's temporary payments password and storage according to the user's mobile phone number, described temporary payments password is sent to mobile telephone terminal 190 by short message, and mobile telephone terminal 190 shows that the short message of temporary payments password is to the user.
Preferably, realize the method that the RFID identification code is paid, may further comprise the steps based on the payment bridge:
(A) user uses the mobile telephone terminal 190 that the RF-SIM card is arranged to carry out noncontact on the contactless payment POS150 of trade company and consumes the operation of swiping the card of transferring accounts;
(B) after contactless payment POS150 gathers RFID identification code, payment cipher and dealing money, send the consumption order that comprises RFID identification code, payment cipher and dealing money information through network insertion controller NAC220 and arrive payment bridge trading server 100;
(C) payment bridge trading server 100 is paid identification code according to the RFID in the described consumption order and payment cipher is verified the user, if checking is not passed through, then sends the unsuccessful message of consumption to contactless payment POS150, execution in step (I);
(D) instruction of payment bridge trading server 100 fund that sends the described dealing money of transferring accounts from the Bank Account Number of described RFID identification code correspondence number of the account in the middle of the system is to bank card business dealing main frame 210;
(E) bank transaction main frame 210 return results if it is unsuccessful to transfer accounts, then send the unsuccessful message of consumption to contactless payment POS150, execution in step i to payment bridge trading server 100;
(F) payment bridge trading server 100 send from number of the account in the middle of the described system transfer accounts the fund of described dealing money to the instruction of the Bank Account Number of described trade company to bank card business dealing main frame 210;
(G) bank card business dealing gateway device 110 return results are to payment bridge trading server 100, unsuccessful if transfer accounts, then pay bridge trading server 100 sends the described dealing money of transferring accounts from the Bank Account Number of described RFID identification code correspondence fund in the middle of the system number of the account dash positive order behind bank card business dealing main frame 210, send the unsuccessful message of consumption to contactless payment POS150, execution in step i;
(H) payment bridge trading server 100 returns the consumption success message and gives contactless payment POS150;
(I) contactless payment POS150 shows operating result;
(J) flow process finishes.
The mobile phone user may further comprise the steps by the safety method that the RF-SIM on the mobile telephone terminal confirms payment by the transfer of account:
(1) user has ordered commodity by other channels in trade company, and payment bridge trading server 100 sends to described user's mobile phone terminal to user's order serial number by the RF-SIM short message;
(2) the RF-SIM card of the mobile telephone terminal short message of show ordering goods, and the prompting user confirms or the cancellation payment, if the user cancels payment, execution in step (seven) then;
(3) mobile telephone terminal prompting user imports PIN, if the PIN of user's input is incorrect, and after then mobile telephone terminal prompting user operates and gets nowhere, execution in step (g);
(4) mobile telephone terminal sends the short message of confirming payment and arrives payment bridge trading server 100;
(5) payment bridge trading server 100 finish described user's Mobile Directory Number correspondence by bank card business dealing gateway device 110 Bank Account Number to the payment by the transfer of account process of order trade company after, transmission payment result short message is to mobile telephone terminal;
(6) mobile telephone terminal shows the short message of payment result;
(7) flow process finishes.
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. the system based on payment bridge realization contactless payment is characterized in that, comprises contactless payment POS, POS accessing gateway equipment, mobile telephone terminal, Mobile Access Gateway equipment, bank card business dealing gateway device, payment bridge trading server; Mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by mobile communications network and the interconnection of payment bridge trading server, be used to realize paying the information interaction between bridge trading server and the mobile telephone terminal, the bank card business dealing gateway device is by data network and the interconnection of payment bridge trading server, be used to realize paying the information interaction between bridge trading server and the bank card business dealing gateway device, contactless payment POS is by communication network and the interconnection of POS accessing gateway equipment, the POS accessing gateway equipment is used to realize contactless payment POS and the information interaction of paying between the bridge trading server by data network and the interconnection of payment bridge trading server; Described payment bridge trading server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the contactless payment identification code, be used to set up the corresponding relation database table between user's Bank Account Number and the contactless payment identification code, be used to receive that contactless payment POS initiates comprises the contactless payment identification code, the Payment Request of payment cipher and amount information, the Bank Account Number of fund trade company under the bank card business dealing gateway device is transferred accounts described contactless payment POS of the amount of money described in the bank account of the contactless payment identification code correspondence that authentication is passed through, and transaction results returned to described contactless payment POS; Described handover telephone terminal is used to carry the contactless payment identification code, and consumes on contactless payment POS by the contactless payment identification code of its carrying; Described bank card business dealing gateway device connects the banking transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network, be used to realize paying the Bank Account Number of bridge trading server initiation to transferring accounts between the middle number of the account of system, and realize number of the account in the middle of the system that payment bridge trading server initiates, or be used to realize paying Bank Account Number the transferring accounts of bridge trading server initiation to trade company's Bank Account Number to the transferring accounts of trade company's Bank Account Number; Described contactless payment POS is used to receive the contactless payment request that contactless payment identification code carrier triggers, and described contactless payment request is sent to payment bridge trading server through the POS accessing gateway equipment.
2. the system based on payment bridge realization contactless payment according to claim 1 is characterized in that number of the account is a bank card account number of serving contactless payment in the middle of the described system.
3. the system based on payment bridge realization contactless payment according to claim 1 is characterized in that described contactless payment identification code is meant radio frequency identification sign indicating number RFID.
4. the system based on payment bridge realization contactless payment according to claim 1 is characterized in that described contactless payment identification code is meant two-dimension code.
5. the middle number of the account method based on payment bridge realization contactless payment is characterized in that, may further comprise the steps:
A. the user uses the mobile telephone terminal of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS of trade company;
B. after contactless payment POS gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server through the POS accessing gateway equipment;
C. pay the bridge trading server and the user is verified,, then send the unsuccessful message of consumption to described contactless payment POS, execution in step i if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. the instruction of paying the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund number of the account in the middle of the system is to the bank card business dealing gateway device;
E. bank card business dealing gateway device return result if it is unsuccessful to transfer accounts, then sends the unsuccessful message of consumption to described contactless payment POS, execution in step i to payment bridge trading server;
F. pay the bridge trading server send from number of the account in the middle of the described system transfer accounts the fund of described dealing money to the instruction of the Bank Account Number of described trade company to the bank card business dealing gateway device;
G. bank card business dealing gateway device return result is to payment bridge trading server, unsuccessful if transfer accounts, then pay the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund in the middle of the system number of the account dash positive order behind the bank card business dealing gateway device, send the unsuccessful message of consumption to described contactless payment POS, execution in step i;
H. pay the bridge trading server and return the consumption success message to described contactless payment POS;
I. contactless payment POS shows operating result;
J. flow process finishes.
6. the middle number of the account method based on payment bridge realization contactless payment according to claim 5 is characterized in that, also comprises among the described step a, and the user is by the code keypad input payment cipher of contactless payment POS.
7. the middle number of the account method that realizes contactless payment based on the payment bridge according to claim 5, it is characterized in that, among the described step a, the user's mobile phone terminal is sent to contactless payment POS to user's contactless payment identification code by the noncontact mode.
8. the direct method based on payment bridge realization contactless payment is characterized in that, may further comprise the steps:
A. the user uses the mobile telephone terminal of carrying contactless payment identification code to consume the operation of transferring accounts on the contactless payment POS of trade company;
B. after contactless payment POS gathers contactless payment identification code, user's payment cipher and dealing money, send the consumption order of the payment cipher that comprises contactless payment identification code, user and dealing money information to payment bridge trading server through the POS accessing gateway equipment;
C. pay the bridge trading server and the user is verified,, then send the unsuccessful message of consumption to described contactless payment POS, execution in step i if checking is not passed through according to contactless payment identification code and payment cipher in the described consumption order;
D. pay the bridge trading server sends the described dealing money of transferring accounts from the Bank Account Number of described contactless payment identification code correspondence fund to the instruction of the Bank Account Number of described trade company to the bank card business dealing gateway device;
E. bank card business dealing gateway device return result is to payment bridge trading server, if it is unsuccessful to transfer accounts, then the unsuccessful message of mail sending charge per message is given described contactless payment POS, execution in step G;
F. pay the bridge trading server and return the consumption success message to described contactless payment POS;
G. contactless payment POS shows operating result;
H. flow process finishes.
9. a mobile phone user obtains the safety method of temporary payments password, it is characterized in that, may further comprise the steps:
1. the user selects to obtain temporary payments password menu item on the OTA of mobile telephone terminal menu or STK menu or client;
2. mobile telephone terminal prompting user imports PIN, if the PIN of user's input is incorrect, after then mobile telephone terminal prompting user operated and gets nowhere, execution in step 6.;
3. mobile telephone terminal sends and obtains temporary payments cipher instruction message to payment bridge trading server;
4. pay the bridge trading server according to the user's mobile phone number generate described user the temporary payments password and the storage after, described temporary payments password is sent to mobile telephone terminal;
5. mobile telephone terminal is showed the temporary payments password;
6. flow process finishes.
10. a mobile phone user confirms to it is characterized in that the safety method of payment by the transfer of account by mobile telephone terminal, may further comprise the steps:
(a) payment bridge trading server sends to described user's mobile phone terminal to user's order serial number;
(b) mobile telephone terminal is showed purchasing order information, and the prompting user confirms or the cancellation payment, if the user cancels payment, and execution in step (g) then;
(c) the defeated PIN of mobile telephone terminal prompting user, if the PIN of user's input is incorrect, after then mobile telephone terminal prompting user operates and gets nowhere, execution in step (g);
(d) mobile telephone terminal sends and confirms that payment message is to payment bridge trading server;
(e) payment bridge trading server finish described user's Mobile Directory Number correspondence Bank Account Number to the payment by the transfer of account process of order trade company after, send payment result message and arrive mobile telephone terminal;
(f) mobile telephone terminal is showed payment result message;
(g) flow process finishes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102468928A CN101515387A (en) | 2008-12-31 | 2008-12-31 | System and method for realizing non-contact payment based on payment bridge |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008102468928A CN101515387A (en) | 2008-12-31 | 2008-12-31 | System and method for realizing non-contact payment based on payment bridge |
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| Publication Number | Publication Date |
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| CN101515387A true CN101515387A (en) | 2009-08-26 |
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| CNA2008102468928A Pending CN101515387A (en) | 2008-12-31 | 2008-12-31 | System and method for realizing non-contact payment based on payment bridge |
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