CN101751729A - Unionpay card mobile phone payment system and payment method adopting USSD information - Google Patents
Unionpay card mobile phone payment system and payment method adopting USSD information Download PDFInfo
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Abstract
The invention relates to a Unionpay card mobile phone payment system and a payment method adopting USSD information. The Unionpay card mobile phone payment system comprises a Unionpay card mobile phone payment centre (1), a payment mobile phone (2) of each payment user, a payment account of the payment user in the Unionpay card mobile phone payment centre (1), a collection mobile phone (3) of each collection user, a collection account of the collection user in the Unionpay card mobile phone payment centre (1) and a mobile phone network (4), wherein the payment account of each payment user is bound to the phone number of the payment mobile phone (2) and a bankcard account (501) of the payment user, and is set with a payment password; the collection account of each collection user is bound to the phone number of the collection mobile phone (3) and a bankcard account (601) of the collection user, and is set with an account password; and the Unionpay card mobile phone payment centre (1) is run according to a predetermined program and transfers an amount of money for payment to the bankcard account (601) bound to the collection account from the bankcard account (501) bound to the payment account according to the USSD information transmitted by the two parties.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the field of bank electronic payment, in particular to a Unionpay card mobile phone payment system and a payment method adopting USSD information.
[ background of the invention ]
Due to the rapid development of computer technology and communication technology, various bank cards are increasingly popularized for electronic payment, when the bank cards are used for payment, a payee, namely a cash receiving store, is generally provided with a POS machine, payment is carried out by swiping the bank card of a payment user through the POS, and because the cost of the POS machine is low, a plurality of small stores are not provided with the POS machine and only accept cash payment, the popularization of electronic payment is not facilitated. The mobile phone payment system and the payment method of the union pay card can adopt electronic payment for collection without arranging a POS machine in a shop, can be used for transferring accounts and paying between individuals, can accept the payment of a payer using a debit card, a credit card, a withdrawal card, a bank account and the like of each bank, and are particularly suitable for small shops for receiving and paying.
[ summary of the invention ]
The invention aims to provide a Unionpay card mobile phone payment system and a payment method adopting USSD information so as to realize the application of using a bank card account to perform electronic payment account transfer and the like through a mobile phone.
The invention aims to realize the purpose, and the mobile phone payment system adopting the union pay card is characterized by comprising a union pay card mobile phone payment center (1), payment mobile phones (2) of all payment users, payment accounts arranged by the payment users in the union pay card mobile phone payment center (1), collection mobile phones (3) of all collection users, collection accounts arranged by the collection users in the union pay card mobile phone payment center (1), and a mobile phone network (4), wherein the payment accounts of all the payment users are bound with the telephone numbers of the payment mobile phones (2) of the payment users and the bank card accounts (501) of the payment users in an issuing bank (5), and are also provided with a payment password for confirming payment; the collection account of each collection user is bound with the telephone number of the collection mobile phone (3) of the collection user and the bank card account (601) of the collection user in the collection bank (6), and the collection account is also provided with an account password for changing the bound account; the mobile phone network (4) is provided with a USSD information server which is in communication connection with the Unionpay card mobile phone payment center (1), and the Unionpay card mobile phone payment center (1) exchanges information with each payment mobile phone (2) and each payment mobile phone (3) through the USSD information server of the mobile phone network (4); and the Unionpay card mobile phone payment center (1) operates according to a preset program, and transfers money of payment amount appointed by USSD information content sent by the payment parties from a bank card account (501) bound with the payment account to the bank card account (601) bound with the payment account according to the USSD information sent by the payment parties.
And the mobile phone payment method is adopted, and the union pay card mobile phone payment system is adopted, and the method is characterized in that the union pay card mobile phone payment center (1) transfers money of payment amount specified by USSD information content sent to the union pay card mobile phone payment center (1) to a bank card account (601) bound to a payment account from a bank card account (501) bound to the payment account according to USSD information sent to the union pay card mobile phone payment center (1) by both payment parties.
This achieves the object of the invention.
The invention has the advantages that the operations such as payment and account transfer can be carried out between individuals at any time and any place through the mobile phone, no matter the collection user or the payment user only needs to use the mobile phone to carry out corresponding operation, the money in the bank card account of the payment user can be transferred into the bank card account of the collection user, the mobile phone of the collection user can be used as a POS machine, the collection is carried out to other people through the mobile phone, and the invention is particularly suitable for small shops, vendors and the like.
[ description of the drawings ]
FIG. 1 is a schematic illustration of an imaging structure of the Unionpay card mobile payment system of the present invention;
FIG. 2 is a diagram illustrating the method steps of a first embodiment of making a payment using the Unionpay card mobile payment system of the present invention;
FIG. 3 is a diagram illustrating the method steps for making a payment using the Unionpay card mobile payment system of the present invention;
FIG. 4 is a diagram illustrating method steps for making a payment using the Unionpay card mobile payment system of the present invention;
fig. 5 is an explanatory diagram of the method steps of a fourth embodiment of payment using the mobile payment system of union pay card of the present invention.
In the drawings, like numerals refer to like systems, devices, components, and parts, and method steps are represented by circled numerals and lines with arrows. The drawings are schematic to illustrate the major steps of the system and method of the present invention.
[ detailed description ] embodiments
The method of the present invention will be described in further detail below with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a schematic illustration of an imaging structure of a union pay card mobile phone payment system of the present invention, wherein the system shown in the figure comprises a union pay card mobile phone payment center (1), payment mobile phones (2) of each payment user, payment accounts of the payment users in the union pay card mobile phone payment center (1), collection mobile phones (3) of each collection user, collection accounts of the collection users in the union pay card mobile phone payment center (1), and a mobile phone network (4), wherein the payment accounts of each payment user are bound with the telephone number of the payment mobile phone (2) of the payment user and the bank card accounts (501) of the payment users in an issuing bank (5), and the payment accounts are further provided with a payment password for payment confirmation; the collection account of each collection user is bound with the telephone number of the collection mobile phone (3) of the collection user and the bank card account (601) of the collection user in the collection bank (6), and the collection account is also provided with an account password for changing the bound account; the mobile phone network (4) is provided with a USSD information server which is in communication connection with the Unionpay card mobile phone payment center (1), and the Unionpay card mobile phone payment center (1) exchanges information with each payment mobile phone (2) and each payment mobile phone (3) through the USSD information server of the mobile phone network (4); and the Unionpay card mobile phone payment center (1) operates according to a preset program, and transfers money of payment amount appointed by USSD information content sent by the payment parties from a bank card account (501) bound with the payment account to the bank card account (601) bound with the payment account according to the USSD information sent by the payment parties.
With continued reference to fig. 1, the bank card accounts (501) shown include credit card accounts, debit card accounts, withdrawal card accounts, bank accounts, and the like, all of which are accounts opened by the paying users at the issuing bank (5), while the bank card accounts (601) of the receiving users include credit card accounts, debit card accounts, withdrawal card accounts, bank accounts, and the like, all of which are accounts opened by the receiving users at the receiving bank (6). In the aspect of setting, as shown in fig. 1, the union pay card mobile phone payment center (1) is connected with the account systems of the card issuing banks (5) and the account systems of the collecting banks (6), and is communicated with the mobile phones (2) of the paying users and the mobile phones (3) of the collecting users through the telephone network (4), and the union pay card mobile phone payment center (1) can perform transfer operations such as payment and deposit on the accounts of the card issuing banks (5) and the collecting banks (6) which are connected with each other. The invention adopts the mobile phone as a tool for payment and collection, and the mobile phone has a characteristic in a mobile phone network, namely when the mobile phone is accessed into the mobile phone network, the mobile phone needs to carry out an authentication procedure and can be accessed into the mobile phone network after the authentication is successful, so that the mobile phone accessed into the mobile phone network generally has no problem of false identity. In addition, the USSD information described in this specification is Unstructured Supplementary Service Data (USSD for short) of a GSM mobile phone, is real-time online information, supports interactive dialogue, can exchange information many times with only one access, and is particularly suitable for mobile phone payment.
Before the union pay card mobile phone payment system is used, a payment user opens a payment account in a union pay card mobile phone payment center (1) in advance, registers the phone number of a payment mobile phone (2) of the payment user and one or more bank card accounts (501) for payment, sets a payment password, binds the payment account number to one bank card account (501), and then the payment user can use the payment account number to replace the bound bank card account (501) for payment. As for the collection user, the collection user opens a collection account in the Unionpay card mobile phone payment center (1) in advance, registers the telephone number of the collection mobile phone (3) and one or more bank card accounts (601) for collecting the money and sets an account password, then binds the collection account number to one of the bank card accounts (601), and then the collection user can use the collection account number to replace the bound bank card account (601) for collection.
In the present specification, for convenience and clarity of description, a user who uses the system of the present invention is described as a payer and a payee, respectively, the payer who is a payer is called a payer, a used mobile phone is called a payer mobile phone (3), an account which the user opens in a union pay mobile phone payment center (1) is called a payment account, and a bank of the user's bank card account is called an issuing bank (5); the mobile phone used by the receiver is called a receiving user, the account opened by the user in the union pay mobile phone payment center (1) is called a receiving account, and the bank of the user's bank card account is called a receiving bank (6). The user using the system of the invention can be only a payment user or only a collection user, or the same user can be both a payment user and a collection user, when the user performs payment, the user is the payment user, when the user performs collection, the user is the collection user, the users can be the collection users, the collection accounts for collection are opened at the UnionPay card mobile phone payment center (1) equal to each payment user, the telephone number of the collection mobile phone (3) bound with the collection account of the payment user is the same as the telephone number of the payment mobile phone (2) of the payment user, and the bank card account (601) bound with the collection account of the payment user is the same as the bank card account (501) bound with the payment account of the payment user.
Referring to fig. 2, fig. 2 is a diagram illustrating the steps of a method of a first embodiment of payment by using the mobile phone payment system for union pay card of the present invention, wherein the method shown in the figure comprises the step that the mobile phone payment center for union pay card (1) transfers money of a payment amount specified by the USSD information content sent to the mobile phone payment center for union pay card (1) from a bank card account (501) bound to a payment account to a bank card account (601) bound to the payment account according to the USSD information sent to the mobile phone payment center for union pay card (1) by both parties of payment.
With continued reference to fig. 2, the method shown in the figure further includes the following group a of steps, which are steps in which the payer pays the money to the payee, and specifically includes the following steps:
A1. a payment user sends USSD information of 'ready payment information' to a mobile phone network (4) by using a payment mobile phone (2) of the payment user, wherein the 'ready payment information' comprises a USSD access code of payment operation and a collection account number of the collection user, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payment mobile phone (2) and a Unionpay card mobile phone payment center (1), and transmits the 'ready payment information' to the Unionpay card mobile phone payment center (1);
a collection user sends USSD information of 'preparation collection information' to a mobile phone network (4) by using a collection mobile phone (3), wherein the 'preparation collection information' comprises a USSD access code of collection operation and payment amount, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a collection information channel, between the collection mobile phone (3) and a Unionpay card mobile phone payment center (1), and transmits the 'preparation collection information' to the Unionpay card mobile phone payment center (1);
A2. after receiving the 'information for payment preparation', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'information for payment preparation', and finds out the collection account number from the content of the 'information for payment preparation';
after receiving the 'information ready for collecting money', the Unionpay card mobile phone payment center (1) finds out the bound number of the collection account from the source telephone number of the 'information ready for collecting money', finds out the payment amount from the content of the 'information ready for collecting money', and then the Unionpay card mobile phone payment center (1) allocates an order number to the payment operation;
the Unionpay card mobile phone payment center (1) replies 'request check information' to the payment mobile phone (2) through the payment information channel, a payment password is input after a payment requesting user checks to confirm payment, and the 'request check information' comprises the name of the collection user, the order number and the payment amount;
the Unionpay card mobile phone payment center (1) replies the information such as the order number, the payment amount and the like to the collection mobile phone (3) through the collection information channel, and a collection user is requested to check the content;
A3. after the payment user checks the 'request check information' replied by the mobile phone payment center (1) of the union pay card, the payment user agrees to pay and transmits 'confirmation information' to the mobile phone payment center (1) of the union pay card by using the payment mobile phone (2) through the payment information channel, wherein the 'confirmation information' comprises a payment password and/or payment amount;
A4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' to be correct, transferring the money of the payment amount specified by the 'payment request information' from the bank card account (501) bound with the payment account number to the bank card account (601) bound with the collection account;
A5. after the transfer is successful, the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) through the payment information channel and/or the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) by a short message, informs the payment user of the information about the transfer, and then the Unionpay card mobile phone payment center (1) terminates the payment information channel;
and the number of the first and second groups,
the Unionpay card mobile phone payment center (1) transmits the transfer success information to the collection mobile phone (3) through the collection information channel and/or the Unionpay card mobile phone payment center (1) sends the transfer success information to the collection mobile phone (3) by a short message to inform the collection user of the related transfer success information
And transferring the data, and then terminating the payment receiving information channel by the Unionpay card mobile phone payment center (1). In the first embodiment, the "payment preparation message" is a USSD message structure using one of the following items a to E:
A.*SC*AC#；
B.*SC*AC*AMT#；
C.*SC*AMT*AC#；
D.*SC*AC*AMT*DD#；
E.*SC*AMT*DD*AC#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of payment operation and consists of one to more digits;
the 'AC' is a collection account number of a collection user and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
For example, the USSD information structure of the "ready-to-pay information" is SC AC AMT DD #, the USSD service access code "SC" of the payment operation is "123", the collection account number "AC" is "88345678", the integer part of the payment amount value "AMT" is "138", the part "DD" after the decimal point of the payment amount value is "50", the USSD information structure is 123 x 88345678 x 138 50#, and the whole "ready-to-pay information" is that the payment user notifies the mobile payment center (1) of "138.50 yuan" to be paid to the collection account "88345678".
In addition, in the first embodiment, the "preparation receipt information" is a USSD information structure that adopts one of the following items a to B:
A.*SC*AMT#；
B.*SC*AMT*DD#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of collection operation and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
For example, the USSD information structure of the "preparation payment information" is SC AMT DD #, the USSD service access code "SC" of the payment operation is "456", the integer part "AMT" of the payment amount value is "138", the part "DD" after the decimal point of the payment amount value is "50", the USSD information structure is 456 x 138 50#, and the whole "preparation payment information" is that the payment user notifies the mobile phone payment center (1) of the union pay card that "138.50 yuan" will be received.
Referring to fig. 3, fig. 3 is a diagram illustrating the steps of a method of a second embodiment of payment by using the mobile phone payment system for union pay card of the present invention, and the method shown in fig. 3 includes the following steps B, which are steps of a payee collecting money from a payer, and the specific steps are as follows:
B1. a payment user sends USSD information of 'ready payment information' to a mobile phone network (4) by using a payment mobile phone (2), wherein the 'ready payment information' comprises a USSD access code of payment operation, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payment mobile phone (2) and a Unionpay card mobile phone payment center (1), and transmits the 'ready payment information' to the Unionpay card mobile phone payment center (1);
a payee uses a payee mobile phone (3) to send USSD information of 'preparation for payment information' to a mobile phone network (4), the 'preparation for payment information' comprises a USSD access code of payment operation, a payment account number of the payer and payment amount, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payee mobile phone (3) and a Unionpay card mobile phone payment center (1), and transmits the 'preparation for payment information' to the Unionpay card mobile phone payment center (1);
B2. after receiving the 'information for payment preparation', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'information for payment preparation';
after receiving the 'information ready for collecting money', the Unionpay card mobile phone payment center (1) finds out the bound collection account number from the source telephone number of the 'information ready for collecting money', finds out the payment account number and the payment amount from the content of the 'information ready for collecting money', and then the Unionpay card mobile phone payment center (1) allocates an order number to the payment operation;
the Unionpay card mobile phone payment center (1) replies 'request check information' to the payment mobile phone (2) through the payment information channel, a payment password is input after a payment requesting user checks to confirm payment, and the 'request check information' comprises the name of the collection user, the order number and the payment amount;
the Unionpay card mobile phone payment center (1) replies the information such as the order number, the payment amount and the like to the collection mobile phone (3) through the collection information channel, and a collection user is requested to check the content;
B3. after the payment user checks the 'request check information' replied by the mobile phone payment center (1) of the union pay card, the payment user agrees to pay and transmits 'confirmation information' to the mobile phone payment center (1) of the union pay card by using the payment mobile phone (2) through the payment information channel, wherein the 'confirmation information' comprises a payment password and/or payment amount;
B4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' to be correct, transferring the money of the payment amount specified by the 'payment request information' from the bank card account (501) bound with the payment account number to the bank card account (601) bound with the collection account;
B5. after the transfer is successful, the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) through the payment information channel and/or the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) by a short message, informs the payment user of the information about the transfer, and then the Unionpay card mobile phone payment center (1) terminates the payment information channel;
and the number of the first and second groups,
the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) through the collection information channel and/or the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) by a short message to inform a collection user of the information about transfer, and then the Unionpay card mobile phone payment center (1) terminates the collection information channel.
In a second embodiment, the "payment preparation message" is a USSD message structure using one of items a to C as follows:
A.*SC#；
B.*SC*AMT#；
C.*SC*AMT*DD#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of payment operation and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
For example, the USSD information structure of the "ready-to-pay information" is SC AMT DD #, the USSD service access code "SC" of the payment operation is "321", the integer part "AMT" of the payment amount value is "328", the part "DD" after the decimal point of the payment amount value is "60", the USSD information structure is 321 x 328 # 60 ", and the whole" ready-to-pay information "is that the payment user notifies the union pay card mobile payment center (1) that" 328.60 yuan "is to be paid.
In addition, in the second embodiment, the "preparation receipt information" is a USSD information structure that adopts one of the following items a to D:
A.*SC*AC*AMT#；
B.*SC*AMT*AC#；
C.*SC*AC*AMT*DD#；
D.*SC*AMT*DD*AC#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of collection operation and consists of one to more digits;
the 'AC' is a payment account number of a payment user and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
For example, the USSD information structure of "prepare collect information" is SC AC AMT DD #, the USSD service access code "SC" of the collect operation is "654", the payment account number "AC" is "23142560", the integer part of the payment amount value "AMT" is "328", the part "DD" after the decimal point of the payment amount value is "60", the USSD information structure is 654 "23142560" 328 # 60 ", and the whole" prepare collect information "is that the collect user notifies the mobile payment center (1) of the union card that" 23142560 "collect" 328.60 yuan "is to be sent to the payment account.
Referring to fig. 4, fig. 4 is an explanatory diagram of the method steps of a third embodiment of payment by using the mobile phone payment system for union pay card of the present invention, and the method shown in the diagram includes the following group C steps, which are steps of a payer changing a bound bank card account (501), and the specific steps are as follows:
C1. a payment user sends USSD information of 'change binding account request information' to a mobile phone network (4) by using a payment mobile phone (2) of the payment user, wherein the 'change binding account request information' comprises a USSD access code of change binding operation and all or part of digits of an account number of a bank card account (501) to be bound by the payment user, a USSD server of the mobile phone network (4) establishes a USSD information channel between the payment mobile phone (2) and a Unionpay mobile phone payment center (1), namely an account information channel, and transmits the 'change binding account request information' to the Unionpay mobile phone payment center (1);
C2. after receiving the 'binding change account request information', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'binding change account request information', and finds out all or part of digits of the account number of one bank card account (501) to be bound from the 'binding change account request information';
the Unionpay card mobile phone payment center (1) finds out the account number of the bank card account (501) which is matched with the 'change binding account request information' in the payment account, then the Unionpay card mobile phone payment center (1) replies the 'change binding account information' to the payment mobile phone (2) through an account information channel, a payment requesting user checks and inputs a payment password to confirm the change binding operation, and the 'change binding account information' comprises the account number of the matched bank card account (501);
C3. after the payer checks that the 'binding account information is changed', if the payer agrees to change the account number of the bank card account (501) bound with the payment account, the payer uses the payment mobile phone (2) to transmit 'confirmation information' to the Unionpay card mobile phone payment center (1) through the account information channel, wherein the 'confirmation information' comprises a payment password, and if the payer disagrees with the binding change, the payer does not confirm the binding change;
C4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' without errors, the payment account is bound with the account number of the bank card account (501) with the content of the 'modified bound account information', the bank card account (501) with the account number is used for the payment of the payment account, the 'modified bound success information' is transmitted to the payment mobile phone (2) and/or the Unionpay card mobile phone payment center (1) through the account information channel to send a short message to the payment mobile phone (2) to inform the payment user of the successful modification of the bound operation, and then the Unionpay card mobile phone payment center (1) terminates the account information channel.
Referring to fig. 5, fig. 5 is an explanatory diagram of the method steps of a fourth embodiment of payment by using the mobile phone payment system for union pay card of the present invention, and the method shown in the diagram includes the following group D steps, which are steps of a payee changing a bound bank card account (601), and specifically includes the following steps:
D1. a payee uses a payee mobile phone (3) to send USSD information of 'binding account change request information' to a mobile phone network (4), the 'binding account change request information' comprises a USSD access code of binding change operation and all or part of digits of an account number of a bank card account (601) to be bound by the payee, a USSD server of the mobile phone network (4) establishes a USSD information channel between the payee mobile phone (3) and a Unionpay card mobile phone payment center (1), namely an account information channel, and transmits the 'binding account change request information' to the Unionpay card mobile phone payment center (1);
D2. after receiving 'binding change account request information', the Unionpay card mobile phone payment center (1) finds out the bound collection account number from the source telephone number of the 'binding change account request information', and finds out all or part of digits of the account number of one bank card account (601) to be bound from the 'binding change account request information';
the Unionpay card mobile phone payment center (1) finds out the account number of the bank card account (601) which is matched with the 'change binding account request information' in the collection account, then the Unionpay card mobile phone payment center (1) replies the 'change binding account information' to the collection mobile phone (3) through an account information channel, a collection user checks and inputs an account password to confirm the change binding operation, and the 'change binding account information' comprises the account number of the matched bank card account (601);
D3. after the collection user checks that the 'binding account information is changed', if the collection user agrees to change the account number of the bank card account (601) bound with the collection account, the collection user transmits 'confirmation information' to the Unionpay card mobile phone payment center (1) through the account information channel by using the collection mobile phone (3), wherein the 'confirmation information' comprises an account password, and if the collection user disagrees to change the binding, the collection user does not confirm the binding;
D4. after the Unionpay card mobile phone payment center (1) receives the confirmation information and checks the confirmation information, the collection account is bound with the account number of the bank card account (601) with the content of the 'modified bound account information', the bank card account (601) with the account number is used for collection of the collection account, the 'modified bound successful information' is transmitted to the collection mobile phone (3) through the account information channel and/or the Unionpay card mobile phone payment center (1) sends a short message to the collection mobile phone (3) to inform a collection user that the modification binding operation is successful, and then the Unionpay card mobile phone payment center (1) terminates the account information channel.
In the third embodiment, the payment user can change the bank card account (501) bound with his payment account at any time, so that the payment user can use one payment account number to replace a plurality of bank cards of the payment user for payment, and in the payment operation, the payment password is input through the payment mobile phone (2) for confirmation, so that even if the payment account number is stolen by a person, the fear is not high, the payment mobile phone (2) and the payment password of the payment user cannot transfer payment successfully, and the method is particularly suitable for the purposes of online payment, telephone shopping payment and the like. In the fourth embodiment, the receiving user can change the bank card account (601) bound by the receiving account at any time, so that the receiving user can use one receiving account number to replace a plurality of bank cards of the receiving user for receiving money.
In addition, although the present invention has been described in the above-mentioned embodiments, the present invention is not limited thereto, and various changes and modifications can be made without departing from the spirit of the invention and the scope of the appended claims.
The mobile payment system and the payment method of the union pay card are suitable for transfer payment between individuals and payment between customers and shops, and are particularly suitable for some non-face-to-face payment applications, such as online shopping, telephone ticket buying and the like. In addition, the store can use the mobile phone (3) as a POS machine, so that the cost for setting the POS machine can be saved.
Claims (13)
1. A Unionpay card mobile phone payment system is characterized in that the system comprises a Unionpay card mobile phone payment center (1), payment mobile phones (2) of all payment users, payment accounts arranged by the payment users in the Unionpay card mobile phone payment center (1), collection mobile phones (3) of all collection users, collection accounts arranged by the collection users in the Unionpay card mobile phone payment center (1), and a mobile phone network (4),
wherein,
the payment account of each payment user is bound with the telephone number of the payment mobile phone (2) of the payment user and a bank card account (501) of the payment user at an issuing bank (5), and the payment account is also provided with a payment password for confirming payment;
the collection account of each collection user is bound with the telephone number of the collection mobile phone (3) of the collection user and the bank card account (601) of the collection user in the collection bank (6), and the collection account is also provided with an account password for changing the bound account;
the mobile phone network (4) is provided with a USSD information server which is in communication connection with the Unionpay card mobile phone payment center (1), and the Unionpay card mobile phone payment center (1) exchanges information with each payment mobile phone (2) and each payment mobile phone (3) through the USSD information server of the mobile phone network (4);
and the number of the first and second groups,
the union pay card mobile phone payment center (1) operates according to a preset program, and transfers money of payment amount appointed by USSD information content sent by both payment parties from a bank card account (501) bound by a payment account to a bank card account (601) bound by the payment account according to USSD information sent by both payment parties.
2. The union pay card mobile payment system of claim 1, wherein the bank card account (501) comprises a credit card account, a debit card account, and a bank account.
3. The union pay card mobile payment system of claim 1, wherein the bank card account (601) comprises a credit card account, a debit card account, and a bank account.
4. The union pay card mobile phone payment system of claim 1, wherein each payer further establishes a collection account for collection in the union pay card mobile phone payment center (1), the telephone number of the collection mobile phone (3) bound to the collection account of the payer is the same as the telephone number of the payment mobile phone (2) of the payer, and the bank card account (601) bound to the collection account of the payer is the same as the bank card account (501) bound to the payment account of the payer.
5. A mobile phone payment method using the union pay card mobile phone payment system of claims 1 to 4, characterized in that the method comprises the union pay card mobile phone payment center (1) transferring the money of the payment amount specified by the USSD information content sent to the union pay card mobile phone payment center (1) to the bank card account (601) bound to the payment account from the bank card account (501) bound to the payment account according to the USSD information sent to the union pay card mobile phone payment center (1) by both parties of payment.
6. The mobile payment method of claim 5, further comprising the following group A steps, which are steps of the payer paying money to the payee, and specifically comprising the following steps:
A1. a payment user sends USSD information of 'ready payment information' to a mobile phone network (4) by using a payment mobile phone (2) of the payment user, wherein the 'ready payment information' comprises a USSD access code of payment operation and a collection account number of the collection user, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payment mobile phone (2) and a Unionpay card mobile phone payment center (1), and transmits the 'ready payment information' to the Unionpay card mobile phone payment center (1);
a collection user sends USSD information of 'preparation collection information' to a mobile phone network (4) by using a collection mobile phone (3), wherein the 'preparation collection information' comprises a USSD access code of collection operation and payment amount, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a collection information channel, between the collection mobile phone (3) and a Unionpay card mobile phone payment center (1), and transmits the 'preparation collection information' to the Unionpay card mobile phone payment center (1);
A2. after receiving the 'information for payment preparation', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'information for payment preparation', and finds out the collection account number from the content of the 'information for payment preparation';
after receiving the 'information ready for collecting money', the Unionpay card mobile phone payment center (1) finds out the bound number of the collection account from the source telephone number of the 'information ready for collecting money', finds out the payment amount from the content of the 'information ready for collecting money', and then the Unionpay card mobile phone payment center (1) allocates an order number to the payment operation;
the Unionpay card mobile phone payment center (1) replies 'request check information' to the payment mobile phone (2) through the payment information channel, a payment password is input after a payment requesting user checks to confirm payment, and the 'request check information' comprises the name of the collection user, the order number and the payment amount;
the Unionpay card mobile phone payment center (1) replies the information such as the order number, the payment amount and the like to the collection mobile phone (3) through the collection information channel, and a collection user is requested to check the content;
A3. after the payment user checks the 'request check information' replied by the mobile phone payment center (1) of the union pay card, the payment user agrees to pay and transmits 'confirmation information' to the mobile phone payment center (1) of the union pay card by using the payment mobile phone (2) through the payment information channel, wherein the 'confirmation information' comprises a payment password and/or payment amount;
A4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' to be correct, transferring the money of the payment amount specified by the 'payment request information' from the bank card account (501) bound with the payment account number to the bank card account (601) bound with the collection account;
A5. after the transfer is successful, the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) through the payment information channel and/or the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) by a short message, informs the payment user of the information about the transfer, and then the Unionpay card mobile phone payment center (1) terminates the payment information channel;
and the number of the first and second groups,
the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) through the collection information channel and/or the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) by a short message to inform the collection user of the information about transfer, and then the Unionpay card mobile phone payment center (1) terminates the collection information channel.
7. The mobile payment method of claim 5, further comprising the following group B steps, which are steps of the payee collecting money from the payer, and the specific steps are as follows:
B1. a payment user sends USSD information of 'ready payment information' to a mobile phone network (4) by using a payment mobile phone (2), wherein the 'ready payment information' comprises a USSD access code of payment operation, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payment mobile phone (2) and a Unionpay card mobile phone payment center (1), and transmits the 'ready payment information' to the Unionpay card mobile phone payment center (1);
a payee uses a payee mobile phone (3) to send USSD information of 'preparation for payment information' to a mobile phone network (4), the 'preparation for payment information' comprises a USSD access code of payment operation, a payment account number of the payer and payment amount, a USSD server of the mobile phone network (4) establishes a USSD information channel, namely a payment information channel, between the payee mobile phone (3) and a Unionpay card mobile phone payment center (1), and transmits the 'preparation for payment information' to the Unionpay card mobile phone payment center (1);
B2. after receiving the 'information for payment preparation', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'information for payment preparation';
after receiving the 'information ready for collecting money', the Unionpay card mobile phone payment center (1) finds out the bound collection account number from the source telephone number of the 'information ready for collecting money', finds out the payment account number and the payment amount from the content of the 'information ready for collecting money', and then the Unionpay card mobile phone payment center (1) allocates an order number to the payment operation;
the Unionpay card mobile phone payment center (1) replies 'request check information' to the payment mobile phone (2) through the payment information channel, a payment password is input after a payment requesting user checks to confirm payment, and the 'request check information' comprises the name of the collection user, the order number and the payment amount;
the Unionpay card mobile phone payment center (1) replies the information such as the order number, the payment amount and the like to the collection mobile phone (3) through the collection information channel, and a collection user is requested to check the content;
B3. after the payment user checks the 'request check information' replied by the mobile phone payment center (1) of the union pay card, the payment user agrees to pay and transmits 'confirmation information' to the mobile phone payment center (1) of the union pay card by using the payment mobile phone (2) through the payment information channel, wherein the 'confirmation information' comprises a payment password and/or payment amount;
B4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' to be correct, transferring the money of the payment amount specified by the 'payment request information' from the bank card account (501) bound with the payment account number to the bank card account (601) bound with the collection account;
B5. after the transfer is successful, the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) through the payment information channel and/or the Unionpay card mobile phone payment center (1) transmits 'transfer success information' to the payment mobile phone (2) by a short message, informs the payment user of the information about the transfer, and then the Unionpay card mobile phone payment center (1) terminates the payment information channel;
and the number of the first and second groups,
the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) through the collection information channel and/or the Unionpay card mobile phone payment center (1) transmits the 'transfer success information' to the collection mobile phone (3) by a short message to inform a collection user of the information about transfer, and then the Unionpay card mobile phone payment center (1) terminates the collection information channel.
8. The mobile payment method of claim 6, wherein the "ready-to-pay message" is a USSD message structure in one of items a to E as follows:
A.*SC*AC#；
B.*SC*AC*AMT#；
C.*SC*AMT*AC#；
D.*SC*AC*AMT*DD#；
E.*SC*AMT*DD*AC#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of payment operation and consists of one to more digits;
the 'AC' is a collection account number of a collection user and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
9. The mobile payment method of claim 6, wherein the ready to collect message is a USSD message structure including one of the following items a to B:
A.*SC*AMT#；
B.*SC*AMT*DD#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of collection operation and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
10. The mobile payment method of claim 7, wherein the "ready-to-pay message" is a USSD message structure in one of items a to C as follows:
A.*SC#；
B.*SC*AMT#；
C.*SC*AMT*DD#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of payment operation and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
11. The mobile payment method of claim 7, wherein the "ready to collect payment information" is a USSD message structure including one of the following items a to D:
A.*SC*AC*AMT#；
B.*SC*AMT*AC#；
C.*SC*AC*AMT*DD#；
D.*SC*AMT*DD*AC#；
and the number of the first and second groups,
the 'SC' is a USSD service access code of collection operation and consists of one to more digits;
the 'AC' is a payment account number of a payment user and consists of one to more digits;
the AMT is an integer part of a payment amount value and consists of one to more digits;
the DD is the decimal part of the payment amount value and consists of one to more digits;
the "#" is an end sign;
the said "+" is separator.
12. A mobile payment method as claimed in claim 5, wherein said method further comprises the following group C steps, which are steps of the payer changing the bound bank card account (501), and the specific steps are as follows:
C1. a payment user sends USSD information of 'change binding account request information' to a mobile phone network (4) by using a payment mobile phone (2) of the payment user, wherein the 'change binding account request information' comprises a USSD access code of change binding operation and all or part of digits of an account number of a bank card account (501) to be bound by the payment user, a USSD server of the mobile phone network (4) establishes a USSD information channel between the payment mobile phone (2) and a Unionpay mobile phone payment center (1), namely an account information channel, and transmits the 'change binding account request information' to the Unionpay mobile phone payment center (1);
C2. after receiving the 'binding change account request information', the Unionpay card mobile phone payment center (1) finds out the bound payment account number from the source telephone number of the 'binding change account request information', and finds out all or part of digits of the account number of one bank card account (501) to be bound from the 'binding change account request information';
the Unionpay card mobile phone payment center (1) finds out the account number of the bank card account (501) which is matched with the 'change binding account request information' in the payment account, then the Unionpay card mobile phone payment center (1) replies the 'change binding account information' to the payment mobile phone (2) through an account information channel, a payment requesting user checks and inputs a payment password to confirm the change binding operation, and the 'change binding account information' comprises the account number of the matched bank card account (501);
C3. after the payer checks that the 'binding account information is changed', if the payer agrees to change the account number of the bank card account (501) bound with the payment account, the payer uses the payment mobile phone (2) to transmit 'confirmation information' to the Unionpay card mobile phone payment center (1) through the account information channel, wherein the 'confirmation information' comprises a payment password, and if the payer disagrees with the binding change, the payer does not confirm the binding change;
C4. after the Unionpay card mobile phone payment center (1) receives the 'confirmation information' and checks the 'confirmation information' without errors, the payment account is bound with the account number of the bank card account (501) with the content of the 'modified bound account information', the bank card account (501) with the account number is used for the payment of the payment account, the 'modified bound success information' is transmitted to the payment mobile phone (2) and/or the Unionpay card mobile phone payment center (1) through the account information channel to send a short message to the payment mobile phone (2) to inform the payment user of the successful modification of the bound operation, and then the Unionpay card mobile phone payment center (1) terminates the account information channel.
13. The mobile payment method of claim 5, further comprising the following group D steps, which are steps of the payee changing the bound bank card account (601), and specifically comprises the following steps:
D1. a payee uses a payee mobile phone (3) to send USSD information of 'binding account change request information' to a mobile phone network (4), the 'binding account change request information' comprises a USSD access code of binding change operation and all or part of digits of an account number of a bank card account (601) to be bound by the payee, a USSD server of the mobile phone network (4) establishes a USSD information channel between the payee mobile phone (3) and a Unionpay card mobile phone payment center (1), namely an account information channel, and transmits the 'binding account change request information' to the Unionpay card mobile phone payment center (1);
D2. after receiving 'binding change account request information', the Unionpay card mobile phone payment center (1) finds out the bound collection account number from the source telephone number of the 'binding change account request information', and finds out all or part of digits of the account number of one bank card account (601) to be bound from the 'binding change account request information';
the Unionpay card mobile phone payment center (1) finds out the account number of the bank card account (601) which is matched with the 'change binding account request information' in the collection account, then the Unionpay card mobile phone payment center (1) replies the 'change binding account information' to the collection mobile phone (3) through an account information channel, a collection user checks and inputs an account password to confirm the change binding operation, and the 'change binding account information' comprises the account number of the matched bank card account (601);
D3. after the collection user checks that the 'binding account information is changed', if the collection user agrees to change the account number of the bank card account (601) bound with the collection account, the collection user transmits 'confirmation information' to the Unionpay card mobile phone payment center (1) through the account information channel by using the collection mobile phone (3), wherein the 'confirmation information' comprises an account password, and if the collection user disagrees to change the binding, the collection user does not confirm the binding;
D4. after the Unionpay card mobile phone payment center (1) receives the confirmation information and checks the confirmation information, the collection account is bound with the account number of the bank card account (601) with the content of the 'modified bound account information', the bank card account (601) with the account number is used for collection of the collection account, the 'modified bound successful information' is transmitted to the collection mobile phone (3) through the account information channel and/or the Unionpay card mobile phone payment center (1) sends a short message to the collection mobile phone (3) to inform a collection user that the modification binding operation is successful, and then the Unionpay card mobile phone payment center (1) terminates the account information channel.
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| CN200810217766A CN101751729A (en) | 2008-12-03 | 2008-12-03 | Unionpay card mobile phone payment system and payment method adopting USSD information |
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| CN200810217766A CN101751729A (en) | 2008-12-03 | 2008-12-03 | Unionpay card mobile phone payment system and payment method adopting USSD information |
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