CN101751627A - Bank card payment system and corresponding payment method used for non-face-to-face payment - Google Patents
Bank card payment system and corresponding payment method used for non-face-to-face payment Download PDFInfo
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- CN101751627A CN101751627A CN200810217767A CN200810217767A CN101751627A CN 101751627 A CN101751627 A CN 101751627A CN 200810217767 A CN200810217767 A CN 200810217767A CN 200810217767 A CN200810217767 A CN 200810217767A CN 101751627 A CN101751627 A CN 101751627A
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Abstract
The invention relates to a bank card payment system and a corresponding payment method used for non-face-to-face payment, which is used for electronic payment of a non-face-to-face mode. The paypal account of each user is set in a unionpay cellphone payment center (1); the paypal account stores the name, the payment password, the telephone number of the cellphone (3) of the user and the account numbers of one to a plurality of bank card accounts (2), wherein one bank card account (2) is bound to be used for the payment and/or collection of the paypal account. The unionpay cellphone payment center (1) sends a telegram to the cellphone (3) of the user after receiving the payment request information of a payee so as to acquire the confirmation information of the payment user, and the unionpay cellphone payment center (1) transfers money of the payment amount appointed by the payment request information to the bank card account (2) of the bound account numbers of the payee from the bank card account (2) of the bound account numbers of the payment user.
Description
[technical field]
The present invention relates to the bank electric payment field, particularly relate to a kind of bank card paying system and respective pay method that is used for non-face-to-face payment.
[background technology]
Because the fast development of computer technology and mechanics of communication, use bank card miscellaneous to do to pay by mails also more and more universal, a lot of shoppings online, teleshopping, phone are bought also acceptance use bank card payments such as air ticket, for example make the payment that purchases online using a credit card, use debit card to purchase the air ticket or the like by phone, these delivery operations are the bank card data of collecting the payer by modes such as online or phones, then by the account gathering of payee from this bank card.Because payee can not examine the true and false of bank card face-to-face, can only judge the true and false with the data that the payer provides, it is the leak of a security, can have an opportunity to take advantage of to the unprincipled fellow, data such as bank card data by collecting other people such as card number, name, the term of validity, palm off bank card card instigator then and carry out shopping online, teleshopping etc. with stealing the bank card data of returning, bank card card master is sustained a loss, being one has problem to be solved.
In addition, current general bank-user is want money is given to other bank-users, can only handle to bank counter during office hours, generally all can not serve by Web bank, transferring accounts between the different user carried out in Mobile banking service, having limited to the range of application that these Web bank's services, Mobile banking serve, is quite inconvenient to the user.
[summary of the invention]
Purpose of the present invention is to provide a kind of bank card paying system and respective pay method that is used for non-face-to-face payment, to realize using bank card to do the application of non-aspectant secure payment such as paying, transfer accounts.
The object of the present invention is achieved like this, adopt a kind of like this bank card paying system, be used for the E-Payment of non-face-to-face mode, described system includes Unionpay card mobile phone paying centre (1), each user's bank card account (2), each user's mobile phone (3), it is characterized in that, described Unionpay card mobile phone paying centre (1) is provided with each user's PayPal account, each PayPal account stores the title that comprises the user, payment cipher, the telephone number of user's mobile phone (3), the account number of one or more bank card account (2) of user, and, the account number binding of one of them bank card account (2) of each PayPal account and user, the bank card account of the account number that this is bound (2) is used for this PayPal account's payment and/or gathering purposes, and, Unionpay card mobile phone paying centre (1) is by the preset program running, after receiving payment request information, send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.
And, adopt a kind of like this bank card method of payment, adopt bank card paying system as previously described, be used for the E-Payment of non-face-to-face mode, it is characterized in that, after described method comprises that payment request information is received in Unionpay card mobile phone paying centre (1), send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.
In addition, also can adopt a kind of like this bank card method of payment, adopt bank card paying system as previously described, be used for the E-Payment of non-face-to-face mode, it is characterized in that, described method comprises that the payment user is sent to Unionpay card mobile phone paying centre (1) with confirmation by telephone network (4) in advance before payment, by Unionpay card mobile phone paying centre (1) this confirmation was deleted after one period fixed time of preservation, and, after Unionpay card mobile phone paying centre (1) receives the payment request information of being sent by the payee, find out payment user's PayPal account number in the payment request information, from the affirmation information of being preserved, search should PayPal account number confirmation, when find corresponding affirmation information and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in the bank card account (2) of the bound account number of this PayPal account number in this payment request information of account transfer the money of the payment of appointment to the bank card account (2) of payee's bound account number in, and this confirmation deleted.
So just realized purpose of the present invention.
Advantage of the present invention is to utilize mobile phone (3) operation such as pay, transfer accounts between bank-user and the bank-user whenever and wherever possible, no matter payee or payment user are as long as use its mobile phone (3) to operate accordingly in the payee's that just money in the user's that pays the bill the bank card account can be transferred accounts the bank card account, payee's mobile phone (3) just can be used as the POS machine and uses, collect money to other people by its mobile phone (3), be particularly suitable for the application of some non-face-to-face gatherings, buy air ticket or the like as shopping online, teleshopping, phone.
[description of drawings]
Fig. 1 is the image structural representation key diagram of bank card paying system of the present invention;
Fig. 2 is the image schematic illustration of first embodiment of bank card method of payment of the present invention;
Fig. 3 is the image schematic illustration of second embodiment of bank card method of payment of the present invention;
Fig. 4 is the image schematic illustration of the 3rd embodiment of bank card method of payment of the present invention;
Fig. 5 is the image schematic illustration of the 4th embodiment of bank card method of payment of the present invention.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the image structural representation key diagram of bank card paying system of the present invention, system shown in the figure includes Unionpay card mobile phone paying centre (1), each user's bank card account (2), each user's mobile phone (3), it is characterized in that, described Unionpay card mobile phone paying centre (1) is provided with each user's PayPal account, each PayPal account stores the title that comprises the user, payment cipher, the telephone number of user's mobile phone (3), the account number of one or more bank card account (2) of user, and, the account number binding of one of them bank card account (2) of each PayPal account and user, the bank card account of the account number that this is bound (2) is used for this PayPal account's payment and/or gathering purposes, and, Unionpay card mobile phone paying centre (1) is by the preset program running, after receiving payment request information, send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.And described payment request information comprises payment, payment user's PayPal account number and/or payee's data such as PayPal account number; Described confirmation comprises data such as the user's that pays the bill payment cipher and/or payment.
Continue to consult Fig. 1, the bank card account shown in the figure (2) comprises credit card account, debit card account, the card account's that withdraws the money, ATM card account, bank account or the like and so on account, all is the account that the user offers in bank (5).Aspect being provided with, as shown in Figure 1, the system of accounts of Unionpay card mobile phone paying centre (1) and each bank (5) is line mutually, and communicate with one another by telephone network (4) and each user's mobile phone (3), Unionpay card mobile phone paying centre (1) deposit of can paying to the account in bank (5) system of accounts of each phase line waits the operation of transferring accounts.In this manual, telephone network (4) comprises PSTN (PSTN) and/or mobile telephone network, mobile telephone network can be the gsm mobile telephone network, the CDMA mobile telephone network, the 3G mobile telephone network, 4G mobile telephone network etc., mobile telephone network has characteristics, be exactly that the user is when using mobile phone (3) to insert mobile telephone network, mobile phone (3) will carry out authentication procedure, mobile phone behind the authentication success (3) could insert mobile telephone network, so the mobile phone (3) that is linked into mobile telephone network is not generally all palmed off the problem of identity, the access authentication program of mobile telephone network is one of very safe authentication method, the present invention adopts mobile phone (3) to handle the instrument of confirmation as the payment user, has convenient and safe reliable advantage such as false proof.
Before the user uses bank card paying system of the present invention, to offer a PayPal account in Unionpay card mobile phone paying centre (1) in advance, and register its mobile phone (3) telephone number and one or more bank card account (2) that is used to pay and set a payment cipher, then this PayPal account number is bound one of them bank card account (2), later user just can use this PayPal account number to replace bound bank card account (2) to make non-face-to-face transfer of payment.
Consult Fig. 2, Fig. 2 is the image schematic illustration of first embodiment of bank card method of payment of the present invention, after method shown in the figure comprises that payment request information is received in Unionpay card mobile phone paying centre (1), send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.
Continue to consult Fig. 2, the method shown in the figure also comprises following A group step, is that the payee passes through Unionpay card mobile phone paying centre (1) and collects the step of fund to the payment user, and concrete step is as follows:
A1. the payee uses its user mobile phone (3) to send payment request information by telephone network (4) to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as the user's that pays the bill PayPal account number, payment;
A2. Unionpay card mobile phone paying centre (1) check the source telephone number of payment request information content and payment request information errorless after, find out corresponding payee's PayPal account number from the source telephone number, payee's title, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find this payment user's payment cipher from payment user's PayPal account number, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) sends a telegraph this payment user's mobile phone (3) by telephone network (4) then, this payment user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out payee's title behind the payment user incoming call answering with the computer speech play, data such as payment;
A3. agree that as this payment user payment just in upward input payment cipher affirmation payment of mobile phone (3), forwards steps A 4 to then;
Or
Disagree with that as this payment user payment just do not confirm, can not receive the payment user at the appointed time as Unionpay card mobile phone paying centre (1) and import payment cipher, sending short messages and notify the payee failure of transferring accounts to payee's mobile phone (3) in Unionpay card mobile phone paying centre (1), and finishes all A group steps;
A4. Unionpay card mobile phone paying centre (1) check the payment cipher of this payment user input errorless after, just in the bank card account (2) of this payment user's bound account number the money of this payment of account transfer in the bank card account (2) of payee's bound account number; Otherwise Unionpay card mobile phone paying centre (1) is sent short messages and is notified transfer accounts failure and/or Unionpay card mobile phone paying centre (1) of payee to send short messages to payment user's mobile phone (3) the advice and pay user failure of transferring accounts to payee's mobile phone (3), finishes all A then and organizes steps;
A5. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
Consult Fig. 3, Fig. 3 is the image schematic illustration of second embodiment of bank card method of payment of the present invention, compare with first embodiment, difference is among second embodiment it is initiatively to initiate delivery operation by the payment user, and is to initiate delivery operation by the payee among first embodiment.Continue to consult Fig. 3, the method shown in the figure also comprises following B group step, is that the payment user initiatively passes through the step of Unionpay card mobile phone paying centre (1) to payee's payment, and concrete step is as follows:
B1. the user that pays the bill sends payment request information to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as payee's PayPal account number, payment;
B2. Unionpay card mobile phone paying centre (1) check the source telephone number of payment request information content and payment request information errorless after, find payee's title from payee's PayPal account number, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find out corresponding payment user's PayPal account number from the source telephone number, payment user's payment cipher, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) sends a telegraph this payment user's mobile phone (3) by telephone network (4) then, this payment user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out payee's title behind the payment user incoming call answering with the computer speech play, data such as payment;
B3. this payment user agrees that payment just in upward input payment cipher affirmation payment of mobile phone (3), forwards step B4 to then;
Or
This payment user disagrees with just to pay and does not confirm, can not receive the payment user at the appointed time as Unionpay card mobile phone paying centre (1) and import payment cipher, sending short messages to payment user's mobile phone (3) the advice and pay user failure of transferring accounts in Unionpay card mobile phone paying centre (1), finishes all B then and organize steps;
B4. Unionpay card mobile phone paying centre (1) checks the payment cipher of this payment user input, as finding to have any wrong Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to payment user failure of transferring accounts of sending short messages, and finishes all B and organizes steps; As it is errorless to check this payment cipher, this payee's mobile phone (3) is sent a telegraph in Unionpay card mobile phone paying centre (1) by telephone network (4), this payee's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) is with computer speech play user's the data such as title, payment that goes out to pay the bill behind payee's incoming call answering;
B5. this payee agrees that gathering just in upward input validation validation of information gathering of mobile phone (3), forwards step B6 to then;
Or
This payee disagrees with to collect money and does not just confirm, can not receive payee's input validation information as Unionpay card mobile phone paying centre (1) at the appointed time, sending short messages and notify the payee failure of transferring accounts to payee's mobile phone (3) in transfer accounts failure and/or Unionpay card mobile phone paying centre (1) of mobile phone (3) advice and pay user to the payment user of sending short messages, Unionpay card mobile phone paying centre (1), finishes all B then and organize steps;
B6. Unionpay card mobile phone paying centre (1) check the affirmation information of this payee input errorless after, just in the bank card account (2) of this payment user's bound account number the money of this payment of account transfer in the bank card account (2) of payee's bound account number, mobile phone (3) advice and pay user to the payment user sends short messages and notifies the payee failure of transferring accounts to payee's mobile phone (3) at transfer accounts failure and/or Unionpay card mobile phone paying centre (1) otherwise send short messages Unionpay card mobile phone paying centre (1), finishes all B then and organizes steps;
B7. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
Consult Fig. 4, Fig. 4 is the image schematic illustration of the 3rd embodiment of bank card method of payment of the present invention, method shown in the figure also comprises following C group step, is that the user passes through the account number that mobile phone (3) is changed the bank card account (2) that its PayPal account bound, and concrete steps are as follows:
C1. the user uses its user mobile phone (3) to send change binding account solicited message by note or USSB information to Unionpay card mobile phone paying centre (1), and described change binding account solicited message comprises the part numeral of the account number of whole numerals of account number of the Bank Name of the bank card account (2) that the user will bind or this bank card account (2) or this bank card account (2);
C2. the source telephone number of Unionpay card mobile phone paying centre (1) cross-check information is found out corresponding PayPal account, in this PayPal account, find out the account number etc. and the data of the bank card account (2) that matches with this change binding account solicited message, Unionpay card mobile phone paying centre (1) sends a telegraph this user's mobile phone (3) by telephone network (4) then, this user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out change binding account information with the computer speech play behind user's incoming call answering, and described change binding account information comprises the data such as account number of the bank card account (2) that the user will bind;
C3. this user check change binding account information errorless after, as agreeing the account number of the bank card account (2) that this PayPal of change account is bound, just go up the input payment cipher and confirm the change binding, as disagree with that the change binding just do not confirm at mobile phone (3);
C4. Unionpay card mobile phone paying centre (1) receive and check the payment cipher of this user input errorless after, just the account number of the bank card account (2) that this user's PayPal account and user will be bound is bound mutually, make the bank card account (2) of this account number be used for this PayPal account's payment and/or gathering purposes, and send short messages or USSD information is notified this user to change for this user's mobile phone (3) to bind successfully; Otherwise Unionpay card mobile phone paying centre (1) sends short messages or USSD information notifies this user to change Bind Failed for this user's mobile phone (3).
In the 3rd embodiment, the user can change the bank card account (2) that its PayPal account number is bound at any time, the user just can use a PayPal account number to replace user's many bank cards to make payment purposes like this, in particular for online payment, purposes such as teleshopping payment, also want the user to press password confirming owing to paying the bill in its mobile phone (3) input by the PayPal account number, even the PayPal account number is not afraid of yet so be stolen, not having user's mobile phone (3) and payment cipher is can not successful accounting payment, so be particularly suitable for online payment, purposes such as teleshopping payment.
Consult Fig. 5, Fig. 5 is the image schematic illustration of the 4th embodiment of bank card method of payment of the present invention, compare with first and second embodiment, difference is among the 4th embodiment, the payment user is before payment takes place, in advance confirmation is sent to Unionpay card mobile phone paying centre (1), during to the payment generation, Unionpay card mobile phone paying centre (1) just can be found out this confirmation immediately and check, the user just can just use the PayPal account payment after successfully confirmation being sent to Unionpay card mobile phone paying centre (1) like this, can avoid appearing at payment Unionpay card mobile phone paying centre, back obligation user input validation information such as (1) takes place, thereby accelerate delivery operation.Continue to consult Fig. 5, method shown in the figure comprises that the payment user is sent to Unionpay card mobile phone paying centre (1) with confirmation by telephone network (4) in advance before payment, by Unionpay card mobile phone paying centre (1) this confirmation was deleted after one period fixed time of preservation, and, after Unionpay card mobile phone paying centre (1) receives the payment request information of being sent by the payee, find out payment user's PayPal account number in the payment request information, from the affirmation information of being preserved, search should PayPal account number confirmation, when find corresponding affirmation information and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in the bank card account (2) of the bound account number of this PayPal account number in this payment request information of account transfer the money of the payment of appointment to the bank card account (2) of payee's bound account number in, and this confirmation deleted.
Continue to consult Fig. 5, the method shown in the figure also comprises following D group step, is that the payee passes through Unionpay card mobile phone paying centre (1) and collects the step of fund to the payment user, and concrete step is as follows:
D1. the user that pays the bill uses its user mobile phone (3) in advance confirmation to be sent to Unionpay card mobile phone paying centre (1) by telephone network (4) before payment, and described confirmation comprises data such as payment cipher, payment; After confirmation is received in Unionpay card mobile phone paying centre (1), find out corresponding payment user's PayPal account number from the source telephone number of confirmation, then this confirmation is kept at interior one period fixed time of PayPal account of this payment user, at the appointed time later automatically with this confirmation deletion, during this fixed time, the payment user can use its PayPal account number to make the lump sum purposes;
D2. the payee uses its user mobile phone (3) to send payment request information by telephone network (4) to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as the user's that pays the bill PayPal account number, payment; After this payment request information is received in Unionpay card mobile phone paying centre (1), find out corresponding payee's PayPal account number from the source telephone number of payment request information, payee's title, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find this payment user's payment cipher from payment user's PayPal account number, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) finds out this confirmation in this payment user's PayPal account then; Search affirmation information less than correspondence as Unionpay card mobile phone paying centre (1), Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee failure of transferring accounts to payee's mobile phone (3), and finishes all D group steps;
D3. Unionpay card mobile phone paying centre (1) finds out payment cipher from this confirmation, check this payment cipher errorless after, Unionpay card mobile phone paying centre (1) just in the bank card account (2) of the bound account number of this PayPal account number in this payment request information of account transfer the money of the payment of appointment to the bank card account (2) of payee's bound account number in, and this confirmation deleted; Otherwise Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee failure of transferring accounts to payee's mobile phone (3), finishes all D group steps then;
D4. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
In steps A 1; B1; among the D2; the payee is to Unionpay card mobile phone paying centre (1) payment request information of sending; can adopt note or USSD information approach to be sent to Unionpay card mobile phone paying centre (1) by telephone network (4) by payee's mobile phone (3); perhaps an interactive voice system (IVR) is set in Unionpay card mobile phone paying centre (1); use its mobile phone (3) to dial the phone of interactive voice system by the payee; connect the indication input payment request information of back according to the interactive voice system; no matter adopt note; USSD information; either party formula sends payment request information to Unionpay card mobile phone paying centre (1) the interactive voice system; all can realize purpose of the present invention well, all be to belong to protection scope of the present invention.
In step D1; the payment user is sent to confirmation the method for Unionpay card mobile phone paying centre (1) by telephone network (4) before payment; can adopt note or USSD information approach to transmit; perhaps an interactive voice system (IVR) is set in Unionpay card mobile phone paying centre (1); use its mobile phone (3) to dial the phone of interactive voice system by the payee; connect the indication input validation information of back according to the interactive voice system; perhaps adopt " utilizing phone to carry out safety money payment bank computer account system with lock and method " (Chinese patent application number: the method 200480040539.4) of my invention; phone by dialing assigned number is as confirmation; the above is sent to confirmation the whole bag of tricks of Unionpay card mobile phone paying centre (1); all can realize purpose of the present invention well, all be to belong to protection scope of the present invention.
In addition; certain customers use the interactive voice system; press the wrong button and will dial again through regular meeting; very inconvenient; but a very easy method sort this problem out is arranged; exactly when sending information to Unionpay card mobile phone paying centre (1) by the interactive voice system; the user can give a synthetic word string with the telephone number of interactive voice system and the data of each interactive operation input; and between the data of telephone number and the input of every interactive operation, add " P "; go up this word string of input at mobile phone (3) then; just press mobile phone (3) after the confirmation and send key; just information correctly can be sent to Unionpay card mobile phone paying centre (1) by the interactive voice system; be particularly suitable for some mobile phones that possess " P " dial feature (3); for example the gathering of interactive voice system operation telephone number is " 91234567 "; input payment user's PayPal account number " 68562333 " behind the connection phone; payment " 360 ", the dialing word string of being formed is exactly " 91234567PPP68562333#360# ".This " P " is exactly when mobile phone (3) dial in the effect of dialing word string, runs into " P " and just stops one period fixed time (for example 1 second) and just continue to send next number then, by adding " P " dialing, can guarantee just to begin to dial after the input correctly.
Though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Bank card paying system of the present invention and respective pay method, be applicable to interindividual payment by the transfer of accounts, also be applicable to the payment between client and the shop, be particularly suitable for the application of some non-face-to-face gatherings, buy air ticket or the like as shopping online, teleshopping, phone.In addition, the shop more can use mobile phone (3) to use as the POS machine, can save the cost that the POS machine is set.
Claims (10)
1. bank card paying system, be used for the E-Payment of non-face-to-face mode, described system includes Unionpay card mobile phone paying centre (1), each user's bank card account (2), each user's mobile phone (3), it is characterized in that, described Unionpay card mobile phone paying centre (1) is provided with each user's PayPal account, each PayPal account stores the title that comprises the user, payment cipher, the telephone number of user's mobile phone (3), the account number of one or more bank card account (2) of user, and, the account number binding of one of them bank card account (2) of each PayPal account and user, the bank card account of the account number that this is bound (2) is used for this PayPal account's payment and/or gathering purposes, and, Unionpay card mobile phone paying centre (1) is by the preset program running, after receiving payment request information, send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.
2. bank card paying system as claimed in claim 1 is characterized in that, described bank card account (2) comprises credit card account, debit card account, the card account that withdraws the money, ATM card account, bank account.
3. bank card paying system as claimed in claim 1 is characterized in that, described payment request information comprises payment, payment user's PayPal account number and/or payee's data such as PayPal account number.
4. bank card paying system as claimed in claim 1 is characterized in that, described confirmation comprises data such as the user's that pays the bill payment cipher and/or payment.
5. bank card method of payment, adopt as the described bank card paying system of claim 1 to 4, be used for the E-Payment of non-face-to-face mode, it is characterized in that, after described method comprises that payment request information is received in Unionpay card mobile phone paying centre (1), send a telegraph payment user's mobile phone (3) to obtain this payment user's affirmation information by telephone network (4), and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in this payment user's the bank card account (2) of bound account number in this payment request information of account transfer the money of the payment of appointment in the bank card account (2) of payee's bound account number.
6. bank card method of payment as claimed in claim 5 is characterized in that, described method also comprises following A group step, is that the payee passes through Unionpay card mobile phone paying centre (1) and collects the step of fund to the payment user, and concrete step is as follows:
A1. the payee uses its user mobile phone (3) to send payment request information by telephone network (4) to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as the user's that pays the bill PayPal account number, payment;
A2. Unionpay card mobile phone paying centre (1) check the source telephone number of payment request information content and payment request information errorless after, find out corresponding payee's PayPal account number from the source telephone number, payee's title, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find this payment user's payment cipher from payment user's PayPal account number, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) sends a telegraph this payment user's mobile phone (3) by telephone network (4) then, this payment user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out payee's title behind the payment user incoming call answering with the computer speech play, data such as payment;
A3. agree that as this payment user payment just in upward input payment cipher affirmation payment of mobile phone (3), forwards steps A 4 to then;
Or
Disagree with that as this payment user payment just do not confirm, can not receive the payment user at the appointed time as Unionpay card mobile phone paying centre (1) and import payment cipher, sending short messages and notify the payee failure of transferring accounts to payee's mobile phone (3) in Unionpay card mobile phone paying centre (1), and finishes all A group steps;
A4. Unionpay card mobile phone paying centre (1) check the payment cipher of this payment user input errorless after, just in the bank card account (2) of this payment user's bound account number the money of this payment of account transfer in the bank card account (2) of payee's bound account number; Otherwise Unionpay card mobile phone paying centre (1) is sent short messages and is notified transfer accounts failure and/or Unionpay card mobile phone paying centre (1) of payee to send short messages to payment user's mobile phone (3) the advice and pay user failure of transferring accounts to payee's mobile phone (3), finishes all A then and organizes steps;
A5. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
7. bank card method of payment as claimed in claim 5 is characterized in that, described method also comprises following B group step, is that the payment user initiatively passes through the step of Unionpay card mobile phone paying centre (1) to payee's payment, and concrete step is as follows:
B1. the user that pays the bill sends payment request information to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as payee's PayPal account number, payment;
B2. Unionpay card mobile phone paying centre (1) check the source telephone number of payment request information content and payment request information errorless after, find payee's title from payee's PayPal account number, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find out corresponding payment user's PayPal account number from the source telephone number, payment user's payment cipher, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) sends a telegraph this payment user's mobile phone (3) by telephone network (4) then, this payment user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out payee's title behind the payment user incoming call answering with the computer speech play, data such as payment;
B3. this payment user agrees that payment just in upward input payment cipher affirmation payment of mobile phone (3), forwards step B4 to then;
Or
This payment user disagrees with just to pay and does not confirm, can not receive the payment user at the appointed time as Unionpay card mobile phone paying centre (1) and import payment cipher, sending short messages to payment user's mobile phone (3) the advice and pay user failure of transferring accounts in Unionpay card mobile phone paying centre (1), finishes all B then and organize steps;
B4. Unionpay card mobile phone paying centre (1) checks the payment cipher of this payment user input, as finding to have any wrong Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to payment user failure of transferring accounts of sending short messages, and finishes all B and organizes steps; As it is errorless to check this payment cipher, this payee's mobile phone (3) is sent a telegraph in Unionpay card mobile phone paying centre (1) by telephone network (4), this payee's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) is with computer speech play user's the data such as title, payment that goes out to pay the bill behind payee's incoming call answering;
B5. this payee agrees that gathering just in upward input validation validation of information gathering of mobile phone (3), forwards step B6 to then;
Or
This payee disagrees with to collect money and does not just confirm, can not receive payee's input validation information as Unionpay card mobile phone paying centre (1) at the appointed time, sending short messages and notify the payee failure of transferring accounts to payee's mobile phone (3) in transfer accounts failure and/or Unionpay card mobile phone paying centre (1) of mobile phone (3) advice and pay user to the payment user of sending short messages, Unionpay card mobile phone paying centre (1), finishes all B then and organize steps;
B6. Unionpay card mobile phone paying centre (1) check the affirmation information of this payee input errorless after, just in the bank card account (2) of this payment user's bound account number the money of this payment of account transfer in the bank card account (2) of payee's bound account number, mobile phone (3) advice and pay user to the payment user sends short messages and notifies the payee failure of transferring accounts to payee's mobile phone (3) at transfer accounts failure and/or Unionpay card mobile phone paying centre (1) otherwise send short messages Unionpay card mobile phone paying centre (1), finishes all B then and organizes steps;
B7. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
8. bank card method of payment as claimed in claim 5 is characterized in that, described method also comprises following C group step, is that the user passes through the account number that mobile phone (3) is changed the bank card account (2) that its PayPal account bound, and concrete steps are as follows:
C1. the user uses its user mobile phone (3) to send change binding account solicited message by note or USSB information to Unionpay card mobile phone paying centre (1), and described change binding account solicited message comprises the part numeral of the account number of whole numerals of account number of the Bank Name of the bank card account (2) that the user will bind or this bank card account (2) or this bank card account (2);
C2. the source telephone number of Unionpay card mobile phone paying centre (1) cross-check information is found out corresponding PayPal account, in this PayPal account, find out the account number etc. and the data of the bank card account (2) that matches with this change binding account solicited message, Unionpay card mobile phone paying centre (1) sends a telegraph this user's mobile phone (3) by telephone network (4) then, this user's mobile phone (3) is received the incoming call of Unionpay card mobile phone paying centre (1), see it being the telephone number of Unionpay card mobile phone paying centre (1) from caller ID, Unionpay card mobile phone paying centre (1) goes out change binding account information with the computer speech play behind user's incoming call answering, and described change binding account information comprises the data such as account number of the bank card account (2) that the user will bind;
C3. this user check change binding account information errorless after, as agreeing the account number of the bank card account (2) that this PayPal of change account is bound, just go up the input payment cipher and confirm the change binding, as disagree with that the change binding just do not confirm at mobile phone (3);
C4. Unionpay card mobile phone paying centre (1) receive and check the payment cipher of this user input errorless after, just the account number of the bank card account (2) that this user's PayPal account and user will be bound is bound mutually, make the bank card account (2) of this account number be used for this PayPal account's payment and/or gathering purposes, and send short messages or USSD information is notified this user to change for this user's mobile phone (3) to bind successfully; Otherwise Unionpay card mobile phone paying centre (1) sends short messages or USSD information notifies this user to change Bind Failed for this user's mobile phone (3).
9. bank card method of payment, adopt as the described bank card paying system of claim 1 to 4, be used for the E-Payment of non-face-to-face mode, it is characterized in that, described method comprises that the payment user is sent to Unionpay card mobile phone paying centre (1) with confirmation by telephone network (4) in advance before payment, by Unionpay card mobile phone paying centre (1) this confirmation was deleted after one period fixed time of preservation, and, after Unionpay card mobile phone paying centre (1) receives the payment request information of being sent by the payee, find out payment user's PayPal account number in the payment request information, from the affirmation information of being preserved, search should PayPal account number confirmation, when find corresponding affirmation information and check this confirmation errorless after, Unionpay card mobile phone paying centre (1) in the bank card account (2) of the bound account number of this PayPal account number in this payment request information of account transfer the money of the payment of appointment to the bank card account (2) of payee's bound account number in, and this confirmation deleted.
10. bank card method of payment as claimed in claim 9 is characterized in that, described method also comprises following D group step, is that the payee passes through Unionpay card mobile phone paying centre (1) and collects the step of fund to the payment user, and concrete step is as follows:
D1. the user that pays the bill uses its user mobile phone (3) in advance confirmation to be sent to Unionpay card mobile phone paying centre (1) by telephone network (4) before payment, and described confirmation comprises data such as payment cipher, payment; After confirmation is received in Unionpay card mobile phone paying centre (1), find out corresponding payment user's PayPal account number from the source telephone number of confirmation, then this confirmation is kept at interior one period fixed time of PayPal account of this payment user, at the appointed time later automatically with this confirmation deletion, during this fixed time, the payment user can use its PayPal account number to make the lump sum purposes;
D2. the payee uses its user mobile phone (3) to send payment request information by telephone network (4) to Unionpay card mobile phone paying centre (1), and described payment request information comprises data such as the user's that pays the bill PayPal account number, payment; After this payment request information is received in Unionpay card mobile phone paying centre (1), find out corresponding payee's PayPal account number from the source telephone number of payment request information, payee's title, the bank card account of bound account number (2), the data such as telephone number of mobile phone (3), find this payment user's payment cipher from payment user's PayPal account number, the telephone number of mobile phone (3), the bank card account of bound account number data such as (2), Unionpay card mobile phone paying centre (1) finds out this confirmation in this payment user's PayPal account then; Search affirmation information less than correspondence as Unionpay card mobile phone paying centre (1), Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee failure of transferring accounts to payee's mobile phone (3), and finishes all D group steps;
D3. Unionpay card mobile phone paying centre (1) finds out payment cipher from this confirmation, check this payment cipher errorless after, Unionpay card mobile phone paying centre (1) just in the bank card account (2) of the bound account number of this PayPal account number in this payment request information of account transfer the money of the payment of appointment to the bank card account (2) of payee's bound account number in, and this confirmation deleted; Otherwise Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee failure of transferring accounts to payee's mobile phone (3), finishes all D group steps then;
D4. after transferring accounts successfully, Unionpay card mobile phone paying centre (1) is sent short messages and is notified the payee success of transferring accounts to payee's mobile phone (3), and/or Unionpay card mobile phone paying centre (1) mobile phone (3) advice and pay user to the payment user success of transferring accounts of sending short messages.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810217767A CN101751627A (en) | 2008-12-03 | 2008-12-03 | Bank card payment system and corresponding payment method used for non-face-to-face payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810217767A CN101751627A (en) | 2008-12-03 | 2008-12-03 | Bank card payment system and corresponding payment method used for non-face-to-face payment |
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| Publication Number | Publication Date |
|---|---|
| CN101751627A true CN101751627A (en) | 2010-06-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200810217767A Pending CN101751627A (en) | 2008-12-03 | 2008-12-03 | Bank card payment system and corresponding payment method used for non-face-to-face payment |
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| CN (1) | CN101751627A (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103188238A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Activation method and system of payment account |
| CN103198405A (en) * | 2013-04-24 | 2013-07-10 | 徐明亮 | Intelligent payment method and system based on camera scanning verification |
| CN104065639A (en) * | 2013-11-06 | 2014-09-24 | 腾讯科技（深圳）有限公司 | Bank card binding method and system |
| WO2016131303A1 (en) * | 2015-02-16 | 2016-08-25 | 小米科技有限责任公司 | Bank transfer processing method and device |
| CN106156149A (en) * | 2015-04-14 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of data transfering method and device |
| CN107688931A (en) * | 2016-12-30 | 2018-02-13 | 平安科技（深圳）有限公司 | Premium method of payment and device |
| CN107730380A (en) * | 2017-11-07 | 2018-02-23 | 中国银行股份有限公司 | joint account processing method, system and server |
| US10528946B2 (en) | 2013-11-06 | 2020-01-07 | Tencent Technology (Shenzhen) Company Limited | System and method for authenticating, associating and storing secure information |
| CN114862387A (en) * | 2022-07-04 | 2022-08-05 | 成都桐领智能科技有限公司 | Payment method, system and device based on credible bar code |
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- 2008-12-03 CN CN200810217767A patent/CN101751627A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103188238A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Activation method and system of payment account |
| CN103188238B (en) * | 2011-12-30 | 2017-11-07 | 上海博泰悦臻电子设备制造有限公司 | The Activiation method and system of payment accounts |
| CN103198405A (en) * | 2013-04-24 | 2013-07-10 | 徐明亮 | Intelligent payment method and system based on camera scanning verification |
| CN104065639A (en) * | 2013-11-06 | 2014-09-24 | 腾讯科技（深圳）有限公司 | Bank card binding method and system |
| US10528946B2 (en) | 2013-11-06 | 2020-01-07 | Tencent Technology (Shenzhen) Company Limited | System and method for authenticating, associating and storing secure information |
| WO2016131303A1 (en) * | 2015-02-16 | 2016-08-25 | 小米科技有限责任公司 | Bank transfer processing method and device |
| CN106156149B (en) * | 2015-04-14 | 2020-01-03 | 阿里巴巴集团控股有限公司 | Data transfer method and device |
| US10484342B2 (en) | 2015-04-14 | 2019-11-19 | Alibaba Group Holding Limited | Accuracy and security of data transfer to an online user account |
| CN106156149A (en) * | 2015-04-14 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of data transfering method and device |
| CN107688931A (en) * | 2016-12-30 | 2018-02-13 | 平安科技（深圳）有限公司 | Premium method of payment and device |
| CN107730380A (en) * | 2017-11-07 | 2018-02-23 | 中国银行股份有限公司 | joint account processing method, system and server |
| CN107730380B (en) * | 2017-11-07 | 2020-09-01 | 中国银行股份有限公司 | Method, system and server for processing joint account |
| CN114862387A (en) * | 2022-07-04 | 2022-08-05 | 成都桐领智能科技有限公司 | Payment method, system and device based on credible bar code |
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Application publication date: 20100623 |