CN101714275A - Novel mobile phone payment method - Google Patents
Novel mobile phone payment method Download PDFInfo
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- CN101714275A CN101714275A CN200910143766A CN200910143766A CN101714275A CN 101714275 A CN101714275 A CN 101714275A CN 200910143766 A CN200910143766 A CN 200910143766A CN 200910143766 A CN200910143766 A CN 200910143766A CN 101714275 A CN101714275 A CN 101714275A
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Abstract
The invention provides a novel mobile phone payment method passing digital certificate technology and mobile phone communication technology. The mobile phone payment method not only is suitable for various online payments, particularly a mobile phone field payment, but also is not dependent on a POS machine, a special line and a wireless radio frequency device; and the mobile phone payment method comprises a user mobile phone, a certificate security carrier, a user terminal payment device, a bank payment port device and a mobile phone payment platform. The method overcomes the shortcomings of the current various phone payment methods of weak safety intensity and high promotion threshold, has the characteristics of economy, practicability, convenience and popularity, and greatly promotes popularity of a non-cash payment so as to facilitate the daily life of the common people and benefit the country and the people.
Description
[affiliated technical field]
Novel mobile phone payment method by digital certificate technique, SMS technology, surfing Internet with cell phone technology, does not rely on the POS machine, does not rely on special line, does not rely on the less radio-frequency device and realize a kind of method of mobile-phone payment.
[technical background]
Mobile-phone payment is an important means of realization fund electronization, is the important component part of information-based life, and the mobile phone mobile payment is divided into two classes: mobile phone on-line payment and mobile phone on-site payment.
Traditional mobile phone on-line payment method has two kinds, and a kind of is to transplant existing Net silver technology fully, just realizes by the smart mobile phone login technique; When a kind of user of being opens an account cell-phone number and Bank Account Number are bound, the user is during by the payment of mobile phone or online computing, just Bank Account Number or third party's payment accounts of cell-phone number binding carried out delivery operation after bank or third party pay the merchant and allow the user confirm to pay by note; Perhaps the user directly carries out delivery operation according to the messaging format of standard, and bank or third party pay the merchant according to user's note instruction execution delivery operation.
Preceding a kind of method has just realized internet bank function on mobile phone, even adopt the mobile phone digital certificate technology to improve security, but owing to be subjected to the mobile phone terminal capabilities limits, usable range is limited; Though a kind of method in back is easy to use, has obvious potential safety hazard, can only realize small amount payment reluctantly, be difficult to popularize.
It then is to use for reference traditional POS machine gathering thinking that traditional mobile phone moves on-site payment, by integrated wireless radio-frequency enabled on mobile phone or SIM cards of mobile phones, realize the mobile phone on-site payment by the radio communication function between mobile phone and the POS machine, the thinking basically identical that this method and traditional POS machine are collected money, just the function with the traditional bank card is integrated on the mobile phone, makes things convenient for the user to carry.
But this mode requires trade company to have the POS machine, needs to lay special line; Require user mobile phone or SIM card to possess radio-frequency enabled, the 13.56M frequency that present POS machine generally uses can't meet the demands.These factors are that mobile phone on-site payment universal causes higher threshold, cause the mobile phone scene.
This method is by digital certificate technique, SMS technology, surfing Internet with cell phone technology, do not rely on the POS machine, do not rely on special line, do not rely on wireless radio-frequency and realize the mobile phone mobile payment, overcome the problem that above-mentioned various mobile-phone payment faces, be applicable to mobile phone on-line payment and mobile phone on-site payment simultaneously.
The present invention has safety, characteristics economic, convenient, that easily promote concurrently.
[goal of the invention]
The purpose of this invention is to provide a cover novel mobile phone method of mobile payment, by digital certificate technique, SMS technology, surfing Internet with cell phone technology, do not rely on the POS machine, do not rely on special line, do not rely on wireless radio-frequency and realize the mobile phone mobile payment, be applicable to the on-the-spot mobile payment of online mobile payment of mobile phone and mobile phone simultaneously.
[summary of the invention]
One cover is by the novel mobile phone method of mobile payment of digital certificate technique, mobile communication technology,, not only be suitable for all kinds of on-line payments, the more important thing is its suitable mobile phone on-site payment, and do not rely on the POS machine, do not rely on special line, do not rely on the less radio-frequency device.
This method is made up of user mobile phone, certificate safety barrier, user side payment mechanism and bank paying interface arrangement, mobile-phone payment stage apparatus.User mobile phone is responsible for communication function, comprises short message communication, WAP communication, web communication or private client communication function; The certificate safety barrier is responsible for the preservation and the association key calculation function of certificate private key, and the external call interface is provided, and can be SIM cards of mobile phones, can be the SD card also, perhaps directly private key is stored in mobile phone, realizes the key calculation function by software; The user side payment mechanism is responsible for user side payment correlation function, comprise mobile-phone payment open an account, initiate Payment Request or receive the payment affirmation request and Signature Confirmation, reception and checking from the payment result notice of mobile-phone payment platform, the user side payment mechanism can be installed on computers, also can be installed on the smart mobile phone; The mobile-phone payment stage apparatus is responsible for paying logic, comprises reception and the checking Payment Request from the user, confirms to the user, communicate by letter with banking system or other third party's payment systems etc., and the management function of responsible related resource; The bank paying interface arrangement is responsible for accepting the Payment Request of mobile-phone payment platform, is responsible for carrying out the counterpart expenditure operation in bank or other third party's payment systems.
At first, the payment both sides need be in the registration of opening an account of mobile-phone payment stage apparatus, registers to comprise relevant informations such as cell-phone number, Bank Account Number or third party's payment system, and the mode of opening an account can be a mobile phone, computer is online opens an account, also can be to open an account in the business hall, look concrete condition and select; During payment, either party all can initiate Payment Request to the mobile-phone payment platform by the payment mechanism in mobile phone or the computer bank settlement; The mobile-phone payment platform receives and verifies from either party Payment Request of bank settlement; By after, the mobile-phone payment platform initiates to confirm request to bank settlement the opposing party; The affirmation request of bank settlement the opposing party signature response mobile-phone payment platform; After the response of mobile-phone payment platform validation payment affirmation is passed through, initiate the delivery operation request to bank or third party's payment system; Receive bank or third party's payment system and initiate the delivery operation response, with result notification bank settlement both sides.
In the said method, payment both sides payment mechanism can be mobile phone to mobile phone, also can be that mobile phone is to computer, so said method not only is suitable for all kinds of on-line payments, the more important thing is its suitable mobile phone on-site payment, and do not rely on the POS machine, do not rely on special line, do not rely on the less radio-frequency device.
[beneficial effect]
This method has realized the important breakthrough to the conventional payment service mode, just do not strengthen security, especially can be implemented in does not need the POS machine, does not need special line, does not need to realize under the situation of less radio-frequency device various on-the-spot cashless payments, such as government utility pay the fees, restaurant, supermarket, grocery store, market of farm produce transaction etc.; This will reduce the threshold of E-Payment greatly, greatly promote popularizing of non-cash transaction, make things convenient for common people's daily life, benefit the nation and the people.
[implementation procedure]
Each process description of this part is not represented unique implementation of the present invention just for principle of the present invention is described, actual implementing procedure needs only spirit according to the invention, all covers within the claim scope of the present invention.
One, paying party is initiated Payment Request by mobile phone
1) the payment both sides need be in the registration of opening an account of mobile-phone payment stage apparatus, registration comprises relevant informations such as cell-phone number, Bank Account Number or third party's payment system, the mode of opening an account can be a mobile phone, computer is online opens an account, and also can be to open an account in the business hall, looks concrete condition and selects;
When 2) paying, paying party is initiated the signature Payment Request by my mobile phone to the mobile-phone payment stage apparatus;
3) legitimacy of mobile-phone payment platform validation Payment Request, and send to confirm request to the beneficiary mobile phone, communication mode can be short message modes, also can be WAP communication, web communication or private client mode;
4) beneficiary Signature Confirmation;
5) after the mobile-phone payment platform validation confirms that response is passed through, initiate Payment Request, promptly initiate the payment result notice after meeting with a response, success or failure to the payment both sides to banking system or other third party's payment systems.
Two, beneficiary is initiated Payment Request.
1) the payment both sides need be in the registration of opening an account of mobile-phone payment stage apparatus, registration comprises relevant informations such as cell-phone number, Bank Account Number or third party's payment system, the mode of opening an account can be a mobile phone, computer is online opens an account, and also can be to open an account in the business hall, looks concrete condition and selects;
2) beneficiary can be initiated the signature Payment Request to the mobile-phone payment stage apparatus by my mobile phone or computer, also can be after paying party passes through the on-line system initiation of beneficiary, beneficiary is initiated the signature Payment Request by self payment mechanism to the mobile-phone payment stage apparatus, from the angle of mobile-phone payment platform, all belong to beneficiary and initiate;
3) legitimacy of mobile-phone payment platform validation Payment Request, and send to confirm request to the paying party mobile phone, communication mode can be short message modes, also can be WAP communication, web communication or private client mode;
4) pay the beneficiary Signature Confirmation;
5) after the mobile-phone payment platform validation confirms that response is passed through, initiate Payment Request, promptly initiate the payment result notice after meeting with a response, success or failure to the payment both sides to banking system or other third party's payment systems.
Claims (4)
1. novel mobile phone payment method is characterized in that: realize mobile-phone payment by digital certificate technique, mobile communication technology; Comprise the mobile phone on-line payment and do not rely on the POS machine, do not rely on special line, do not rely on the mobile phone on-site payment of less radio-frequency device.This method is made up of user mobile phone, certificate safety barrier, user side payment mechanism and bank paying interface arrangement, mobile-phone payment stage apparatus.At first, the payment both sides need be in the registration of opening an account of mobile-phone payment stage apparatus, registers to comprise relevant informations such as cell-phone number, Bank Account Number or third party's payment system; During payment, either party all can initiate Payment Request to the mobile-phone payment platform by its payment mechanism bank settlement; The mobile-phone payment platform receives and verifies from either party Payment Request of bank settlement; By after, the mobile-phone payment platform initiates to confirm request to bank settlement the opposing party; The affirmation request of bank settlement the opposing party signature response mobile-phone payment platform; After the response of mobile-phone payment platform validation payment affirmation is passed through, initiate the delivery operation request to bank or third party's payment system; Receive bank or third party's payment system and initiate the delivery operation response, with result notification bank settlement both sides.In this method, payment bank settlement both sides' payment mechanism can be mounted on the mobile phone, also can be mounted on the computer; Mobile phone can be that short message communication, WAP communicate by letter, web communicates by letter or private client is communicated by letter with the communication mode of mobile-phone payment platform.
2. as described in requiring as right 1, this method is made up of user mobile phone, certificate safety barrier, user side payment mechanism and bank paying interface arrangement, mobile-phone payment stage apparatus.It is characterized in that: user mobile phone is responsible for communication function, comprises short message communication, WAP communication, web communication or private client communication function; The certificate safety barrier is responsible for the preservation and the association key calculation function of certificate private key, and the external call interface is provided, and can be SIM cards of mobile phones, can be the SD card also, perhaps directly private key is stored in mobile phone, realizes the key calculation function by software; The user side payment mechanism is responsible for user side payment correlation function, comprise mobile-phone payment open an account, initiate Payment Request or receive the payment affirmation request and Signature Confirmation, reception and checking from the payment result notice of mobile-phone payment platform, the user side payment mechanism can be installed on computers, also can be installed on the smart mobile phone; The mobile-phone payment stage apparatus is responsible for paying logic, comprises reception and the checking Payment Request from the user, confirms to the user, communicate by letter with banking system or other third party's payment systems etc., and the management function of responsible related resource; The bank paying interface arrangement is responsible for accepting the Payment Request of mobile-phone payment platform, is responsible for carrying out the counterpart expenditure operation in bank or other third party's payment systems.
3. as described in requiring as right 1; comprise the mobile phone on-line payment; it is characterized in that: this method can be provided at the line payment services at line service for various; this payment can be passed through mobile phone or the online initiation of computer; as long as the bank settlement both sides have a side signature to be finished by the payment mechanism that is installed in mobile phone, promptly in this rights protection scope.
4. as described in requiring as right 1, comprise the mobile phone on-site payment, it is characterized in that: do not rely on the POS machine, do not rely on special line, do not rely on less radio-frequency device realization mobile phone on-site payment.Comprise that government utility is paid the fees, restaurant paying, supermarket cash register, grocery store's cash register, market of farm produce transaction etc. be all at these row.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910143766A CN101714275A (en) | 2009-05-27 | 2009-05-27 | Novel mobile phone payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910143766A CN101714275A (en) | 2009-05-27 | 2009-05-27 | Novel mobile phone payment method |
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| CN101714275A true CN101714275A (en) | 2010-05-26 |
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| CN200910143766A Pending CN101714275A (en) | 2009-05-27 | 2009-05-27 | Novel mobile phone payment method |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103164793A (en) * | 2011-12-15 | 2013-06-19 | 中国银联股份有限公司 | Double-information mobile site payment method and double-information mobile site payment system |
| CN103426113A (en) * | 2012-05-25 | 2013-12-04 | 动信科技股份有限公司 | Financial information processing system and method |
| CN104217507A (en) * | 2014-09-16 | 2014-12-17 | 国家电网公司 | Mobile electricity-selling and charging cell phone terminal system based on GPRS (General Packet Radio Service) wireless network |
| WO2015101057A1 (en) * | 2013-12-30 | 2015-07-09 | Tencent Technology (Shenzhen) Company Limited | Data processing method and related device and system |
| WO2016145991A1 (en) * | 2015-03-13 | 2016-09-22 | 阿里巴巴集团控股有限公司 | Method and device for establishing associative relationships between terminal devices |
| CN106302558A (en) * | 2015-05-11 | 2017-01-04 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
-
2009
- 2009-05-27 CN CN200910143766A patent/CN101714275A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103164793A (en) * | 2011-12-15 | 2013-06-19 | 中国银联股份有限公司 | Double-information mobile site payment method and double-information mobile site payment system |
| WO2013087018A1 (en) * | 2011-12-15 | 2013-06-20 | 中国银联股份有限公司 | Dual-sim mobile phone on-site payment method and dual-sim mobile phone on-site payment system |
| CN103426113A (en) * | 2012-05-25 | 2013-12-04 | 动信科技股份有限公司 | Financial information processing system and method |
| WO2015101057A1 (en) * | 2013-12-30 | 2015-07-09 | Tencent Technology (Shenzhen) Company Limited | Data processing method and related device and system |
| CN104217507A (en) * | 2014-09-16 | 2014-12-17 | 国家电网公司 | Mobile electricity-selling and charging cell phone terminal system based on GPRS (General Packet Radio Service) wireless network |
| WO2016145991A1 (en) * | 2015-03-13 | 2016-09-22 | 阿里巴巴集团控股有限公司 | Method and device for establishing associative relationships between terminal devices |
| CN106302558A (en) * | 2015-05-11 | 2017-01-04 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
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Open date: 20100526 |