CN101853458A - Method for realizing mobile payment in mobile internet sales - Google Patents
Method for realizing mobile payment in mobile internet sales Download PDFInfo
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- CN101853458A CN101853458A CN201010173730A CN201010173730A CN101853458A CN 101853458 A CN101853458 A CN 101853458A CN 201010173730 A CN201010173730 A CN 201010173730A CN 201010173730 A CN201010173730 A CN 201010173730A CN 101853458 A CN101853458 A CN 101853458A
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Abstract
The invention discloses a method for realizing mobile payment in mobile internet sales, which comprises that: firstly, a user installs a payment client with a mobile phone with a financial IC card bound with bank card information; secondly, a mobile payment platform receives a shopping order after the user shops on a mobile internet sales platform and transmits a shopping bill through the payment client, and the user pays the shopping bill on the mobile phone; thirdly, the payment client realizes the payment and then transmits payment information to the mobile payment platform; fourthly, the mobile payment platform checks the payment information and then transmits the payment information to the mobile internet sales platform; and finally, the mobile internet sales platform transmits a payment success message to the mobile payment platform and the user to finish the payment. The method has the advantages of simplifying a payment flow in a mobile internet sale mode, enabling the user to conveniently and fast finish payment operation or find a paying agent, making secure the operation process, realizing timely payment anytime anywhere and avoiding risks in capital.
Description
Technical field
The present invention relates to the modes of payments of mobile internet sales, especially refer in mobile Internet method by mobile-phone payment.
Background technology
Chinese cellphone subscriber's scale reached 7.45 hundred million in 2009, had 55.9% Chinese using mobile phone.Whole nation mobile phone permeability has reached higher level.Wherein, the mobile Internet user is 2.33 hundred million people, accounts for cellphone subscriber's 31.3%, and its speedup is up to 98.1%, considerably beyond cellphone subscriber's speedup.In future, the mobile Internet permeability will further improve, and more and more enterprises and individual take to mobile internet sales, and the payment link of mobile internet sales process never finds a kind of method that is fit to all mobile internet sales processes.
In traditional mobile internet sales, mainly contain the following modes of payments:
The use mode of cashing on delivery realizes the recovery of payment for goods or ticket fee, by express delivery personnel home delivery service, and call in a loan, the greatest drawback of this gathering mode is because fund has been passed through third party's turnover, the risk that just unavoidably has fund retention or loss, fund can't be reclaimed on time, cause economic loss to business department.
Pay by Mobile banking's payment or third party guarantees: it is signatory open-minded that the user applies mobile phone must arrive bank counter, and Mobile banking uses and is subject to unit bank; Third party guarantees payment needs the third-party number of the account of application, and uses auxiliary means, as Net silver with the transfer of funds on this account, inconvenient operation seriously is subject to environment.
Use mobile phone charge payment: mobile operator gives the cooperation trade company mode that open directly deduction user mobile phone telephone expenses are paid; This mode is subject to cellphone subscriber's telephone expenses remaining sum on the one hand; Be subject to the policy restriction on the other hand, can not carry out the wholesale payment; This mode is low to cellphone subscriber's transparency, and the cellphone subscriber is low to the controllability of payment, is unfavorable for user's fund security.
Publication number is: CN101162517, Chinese patent literature on April 16th, 2008 provided a kind of method for processing payment information based on order in open day, comprise: after connecting system is received the payment information of client transmission, to the number of the account that comprises in the payment information, password is verified, checking is transmitted to payment platform to payment information by the back connecting system, the payment platform inquiry is also obtained corresponding sequence information, payment platform sends to client to sequence information, and after receiving the affirmation payment information of client, this payment confirming information is transmitted to comprehensive business system, comprehensive business system is carried out corresponding number of the account according to the payment in the payment confirming information and is drawn the account operation, and operating result is returned client and trade company's platform.This platform can be supported multiple sales modes such as shopping website, Direct Sales over phone, TV shopping, mail order catalogue, provides polies such as order is online, phone, mobile phone, autonomous device to payment for the client.
But this technical scheme at first is will initiatively send payment information (number of the account, password) by the user to give payment platform, and through after the platform validation, payment platform also will be inquired about order, just can issue the information that client allows user's payment.This is paid in the serial process, too complicated alternately loaded down with trivial details between user, payment platform, the synthesis business platform, be not suitable for modern's shopping theory fully, be wish to finish more soon the shopping payment procedure good more, so this mode is not enough to realize easily payment function.Simultaneously, also exist the user to order commodity after, in case forget the transmission payment information, this purchase order just lies on the table so, becomes useless single at last.
Summary of the invention
The invention provides the method that in mobile internet sales, realizes mobile-phone payment, realized that e-commerce venture can realize mobile e-business fast, improved the whole efficiency of industry, payment flow is simple and safe, and whole transaction and payment can be carried out whenever and wherever possible.
Technical scheme of the present invention is:
In mobile internet sales, realize the method for mobile-phone payment, it is characterized in that comprising:
The user arrives first and specifies the site to open the mobile-phone payment business, bank card and financial smart card binding with the user, and the insertion of the financial smart card after will binding mobile phone, installation is used to read and write this financial smart card, shows the payment client terminal of doing shopping bill, paying on the mobile phone;
The user selects mobile-phone payment when the mobile internet sales platform is done shopping, sales platform then places an order immediately, and with sequence information and designated mobile phone number send to the server platform of payment client terminal by network interaction be the mobile-phone payment platform;
The mobile-phone payment platform according to sequence information generate bill send to designated mobile phone number mobile phone the payment client eventually, the corresponding payment client is received bill, the cellphone subscriber of designated mobile phone number pays according to the situation of oneself;
After the payment client terminal payment, the mobile internet sales platform can receive the payment information that payment client terminal sends by the mobile-phone payment platform;
Last mobile internet sales platform can return to the payment client terminal of user, payment mobile phone, the information that the payment of mobile-phone payment platform is successful.
If the designated mobile phone user selects bank card to pay the amount of money of shopping bill inadequately, the mobile-phone payment platform then can send to the message of payment client terminal bank card payment deficiency, at this moment the user can return the shopping bill of receiving and reselects bank card and pay, till paying successfully; Otherwise can select to refuse to pay bill, payment client terminal can return refusal information on the mobile-phone payment platform, and the mobile-phone payment platform returns to the mobile internet sales platform with refusal information again, is bought the user of commodity by internet sales platform notice.
This method realizes that the idiographic flow of mobile-phone payment is as follows:
The user has ordered commodity or has finished a certain reservation by purchase order under the mobile internet sales platform, and when needing payment, the user selects by mobile-phone payment, and the mobile internet sales platform then sends to the mobile-phone payment platform with purchase order information;
Then, the mobile phone of user's designated mobile phone number receives the shopping bill that is sent by the mobile-phone payment platform, and payment client terminal is activated and starts, and shows that automatically shopping bill and bill confirm;
The user opens the shopping bill and carries out after bill confirms, can select the bank card that be used to pay according to own needs, imports password and pays;
After payment client terminal obtains user's payment information, immediately payment information is sent to the mobile-phone payment platform;
After the mobile-phone payment platform is received payment information, check, after payment information is correct, then carries out account and change the money operation, and payment information is sent to the mobile internet sales platform with the shopping bill;
After the mobile internet sales platform is received payment information, send the information of payment respectively to mobile-phone payment platform and user.
The mobile internet sales platform can be that short message mode sends to the user and pays successful information, also can directly send to the information of the payment success of payment client terminal.
User can in time the do shopping affirmation and the payment of bill; The user also can be after receiving the commodity of purchase, and this shopping bill of opening the mobile-phone payment client is confirmed and paid.If what the user ordered is electronic ticket or virtual goods, just can obtain voucher by modes such as mailing, need not to make house calls, improved efficiency of service and service level.
Described purchase order comprises the payment cell-phone number of the order amount of money, shroff account number and user's appointment, can also comprise the merchandise news (for example plane ticket information, ticket information, product type, product place of production or the like) of order, name/address of payment user or the like.
Described payment information comprises payment number of the account, Payment Amount, shroff account number, cell-phone number, also can comprise the merchandise news (for example plane ticket information, ticket information, product type, product place of production or the like) of order, name/address of payment user or the like.
The present invention is in the delivery operation process of shopping, between mobile phone and the mobile-phone payment platform, adopt DES or 3DES algorithm to encrypt to sensitive information in the reciprocal process of mobile-phone payment platform and mobile internet sales platform, and the danger of adopting the MAC method of calibration to avoid data to be distorted.Sensitive information is meant the privacy information in the process of exchange, as bank card account number, password, cell-phone number, identification card number information etc.
Described binding is meant financial smart card by symmetric encipherment algorithm encryption storage bank card information, and a financial smart card can be bound one or more bank card.
When transaction, payment client terminal directly reads the number of the account that symmetry algorithm is encrypted, and then sensitive information is encrypted once more, is safe means of payment.
Financial smart card can be plugged on the mobile phone for an independent card.
Perhaps financial smart card and mobile phone card (SIM card) are integrated in a card, are plugged on the mobile phone.
Perhaps financial smart card and safe digital card (SD card or TF card) are integrated in a card, are plugged on the mobile phone.
Beneficial effect of the present invention is:
The present invention has simplified the payment flow in the mobile internet sales pattern, and the user can finish delivery operation quickly and easily or look for the people to pay out, and operating process is quite safe, and can accomplish timely payment whenever and wherever possible; The problems that exist in the gathering pattern of existing mobile internet sales have been overcome simultaneously: reduced the intermediate link of charge, solved the professional relevant departments problem of returned money on time, evaded the risk of fund; Borrow the movability and the convenience of mobile phone to make things convenient for user-pay, be not limited to fixing place and time, the privacy of mobile phone has strengthened user's experience effect simultaneously, and the user is more acceptant; It is very convenient that the user opens mobile-phone payment, also do not need to change mobile phone, is easy to promote.
Description of drawings
Fig. 1 is a system architecture synoptic diagram of the present invention
Fig. 2 is the communication flow figure between mobile-phone payment platform among the present invention and mobile internet sales platform
Fig. 3 is a system flowchart of the present invention
Embodiment
Embodiment 1
The method that in mobile internet sales, realizes mobile-phone payment provided by the invention:
1, the user arrives first and specifies the site to open the mobile-phone payment business, bank card and financial smart card binding with the user, and the insertion of the financial smart card after will binding mobile phone, installation is used to read and write this financial smart card, shows the payment client terminal of doing shopping bill, paying on the mobile phone;
2, the user has ordered an air ticket on the ticket booking platform, and selects mobile-phone payment, and the ticket booking platform then descends immediately ticket booking information, and will book tickets information and designated mobile phone number send to the mobile-phone payment platform;
3, the mobile-phone payment platform generates the payment client terminal that bill sends to the mobile phone of designated mobile phone number according to ticket booking information, is activated when payment client terminal is received bill and starts, and shows that automatically shopping bill and bill confirm;
4, whether the cellphone subscriber of designated mobile phone number opens bill and carries out can paying according to own needs selection after bill confirms:
If 4.1 select Pay Bill, then select the bank card that is used to pay, the input password is paid; After payment client terminal obtains user's payment information, immediately payment information is sent to the mobile-phone payment platform; After the mobile-phone payment platform is received payment information, check, after payment information is correct, then carries out account and change the money operation, and payment information is sent to the mobile internet sales platform with the shopping bill; After the mobile internet sales platform is received payment information, send the information of payment respectively to mobile-phone payment platform and user;
4.2 if select the refusal bill, payment client terminal can return refusal information on the mobile-phone payment platform, and the mobile-phone payment platform returns to the mobile internet sales platform with refusal information again, by the user of internet sales platform notice ticket booking.
In said process, if the designated mobile phone user selects bank card to pay the amount of money of shopping bill inadequately, the mobile-phone payment platform then can send to the message of payment client terminal bank card payment deficiency, at this moment the user can return the shopping bill of receiving and reselects bank card and pay, till paying successfully.
In said process step 4.2, the mobile internet sales platform can be that short message mode sends to the information that the user pays success or refusal to pay, also can directly send to the payment success of payment client terminal or the information of refusal to pay.
In above-mentioned ticket booking process, described ticket booking information comprises the payment cell-phone number of ticket fee, shroff account number and user's appointment, can also comprise the information of ticket booking people information, ticket, for example information such as the time on date of plane ticket, flight number.
Described payment information comprises payment number of the account, Payment Amount, shroff account number, cell-phone number, also can comprise plane ticket information, the ticket information of order, people's information, payer's the name/address or the like of booking tickets.
The user order if electronic ticket just can obtain voucher by modes such as mailing, need not to make house calls, improved efficiency of service and service level.
Described bank card and financial smart card binding with the user is meant financial smart card by symmetric encipherment algorithm encryption storage bank card information, and a financial smart card can be bound one or more bank card.
Described mobile-phone payment platform is the server platform that carries out network interaction with the payment client terminal of mobile phone.
Financial smart card can be plugged on the mobile phone for an independent card.
Perhaps financial smart card and mobile phone card (SIM card) are integrated in a card, are plugged on the mobile phone.
Perhaps financial smart card and safe digital card (SD card or TF card) are integrated in a card, are plugged on the mobile phone.
Embodiment 2
The invention provides a kind of method that in mobile internet sales, realizes mobile-phone payment.
At first the open-minded of mobile-phone payment business handled in the user professional site that need arrive appointment, the bank of meeting user bound snaps in the financial smart card and (can bind many bank cards) during service fulfillment, the user inserts mobile phone with financial smart card, and the mobile-phone payment client is installed, and can use mobile-phone payment to use.Using mobile-phone payment in the shopping at network process mainly is that bill payment function by mobile-phone payment realizes.
The mobile internet sales platform can be two forms:
1, the mobile internet sales platform of being set up voluntarily by mobile Internet trade company, in this case, mobile internet sales platform and mobile-phone payment platform are two entities.The mobile-phone payment platform is only finished the mobile-phone payment function.
2, show the mobile internet sales platform in logic that service forms by the commodity or the service of mobile-phone payment platform, the mobile-phone payment platform is finished the function of selling and paying simultaneously.
What as shown in Figure 1, the invention process needed comprises: mobile phone, mobile-phone payment platform and mobile internet sales platform.Described mobile phone connects with the mobile-phone payment platform by cordless communication network, and described mobile-phone payment platform connects by internet or special line with the internet sales platform.
As shown in Figure 2, the data communication between mobile-phone payment platform and the internet sales platform adopts the http protocol transmission, and its communication flow is as follows:
1) after the mobile internet sales platform obtains user's subscription data, payment related information is sent to the mobile-phone payment platform by the bill request, the mobile-phone payment platform makes an immediate response after correctly receiving request;
2) the mobile-phone payment platform is finished after all accounting processings, sends payment result to the mobile internet sales platform by the request mode, and the mobile internet sales platform makes an immediate response after correctly receiving request;
3) communication data between two systems all calculates summary by MD5, prevents distorting of data, carries out signature authentication by asymmetric arithmetic RSA.
As shown in Figure 3, payment flow is as follows:
1) user is by visit mobile internet sales platform, inquiring information of goods;
2) user determine to order, and selects to use mobile-phone payment, stays phone number (I or other people number);
3) the mobile internet sales platform sends to the mobile-phone payment platform after with the payment related information tissue, as collecting account, payment, user mobile phone number etc.;
4) the mobile-phone payment platform generates Pay Bill after receiving the payment related information of commodity, sends to designated mobile phone;
5) cellphone subscriber confirms to select payment after the bill;
6) cellphone subscriber selects the draw bank card according to information, and the input password, and cell-phone customer terminal initiatively connects the mobile-phone payment platform and pays;
7) the mobile-phone payment platform submits to payment to finish information to the telephone ordering system after normally finishing accounting processing;
8) the mobile internet sales platform is finished the results modification system data according to payment;
9) the mobile-phone payment platform returns the payment successful information and gives cell-phone customer terminal.
Claims (10)
1. in mobile internet sales, realize the method for mobile-phone payment, it is characterized in that comprising:
The user opens the mobile-phone payment business, with user's bank card and financial smart card binding, and the insertion of the financial smart card after will binding mobile phone, installation is used to read and write this financial smart card, shows the payment client terminal of doing shopping bill, paying on the mobile phone;
The user selects mobile-phone payment when the mobile internet sales platform is done shopping, sales platform then places an order immediately, and with sequence information and designated mobile phone number send to the server platform of payment client terminal by network interaction be the mobile-phone payment platform;
The mobile-phone payment platform according to sequence information generate bill send to designated mobile phone number mobile phone the payment client eventually, the corresponding payment client is received bill, the cellphone subscriber of designated mobile phone number pays according to the situation of oneself;
After the payment client terminal payment, the mobile internet sales platform can receive the payment information that payment client terminal sends by the mobile-phone payment platform;
Last mobile internet sales platform can return to the payment client terminal of user, payment mobile phone, the information that the payment of mobile-phone payment platform is successful;
In payment process, between mobile phone and the mobile-phone payment platform, use DES or 3DES algorithm to encrypt to sensitive information in the reciprocal process of mobile-phone payment platform and mobile internet sales platform, and adopted the MAC method of calibration that prevents that data from being distorted; Described sensitive information comprises account information and encrypted message at least.
2. the method that in mobile internet sales, realizes mobile-phone payment according to claim 1, it is characterized in that: when the cellphone subscriber of designated mobile phone number selects bank card to pay the amount of money of shopping bill inadequately, the mobile-phone payment platform then can send to the message of payment client terminal bank card payment deficiency, at this moment the user returns the shopping bill of receiving and reselects bank card and pay, till paying successfully.
3. the method that in mobile internet sales, realizes mobile-phone payment according to claim 1 and 2, it is characterized in that: the cellphone subscriber of designated mobile phone number selects to refuse to pay bill, payment client terminal can return refusal information the mobile-phone payment platform, the mobile-phone payment platform returns to the mobile internet sales platform with refusal information again, is bought the user of commodity by internet sales platform notice.
4. the method that realizes mobile-phone payment in mobile internet sales according to claim 1 is characterized in that realizing that the idiographic flow of mobile-phone payment is as follows:
The user is by purchase order under the mobile internet sales platform, and when needing payment, the user selects by mobile-phone payment, and the mobile internet sales platform then sends to the mobile-phone payment platform with purchase order information;
Then, the mobile phone of user's designated mobile phone number receives the shopping bill that is sent by the mobile-phone payment platform, and payment client terminal is activated and starts, and shows that automatically shopping bill and bill confirm;
The user opens the shopping bill and carries out after bill confirms, selects the bank card that is used to pay according to own needs, imports password and pays;
After payment client terminal obtains user's payment information, immediately payment information is sent to the mobile-phone payment platform;
After the mobile-phone payment platform is received payment information, check, after payment information is correct, then carries out account and change the money operation, and payment information is sent to the mobile internet sales platform with the shopping bill;
After the mobile internet sales platform is received payment information, send the information of payment respectively to mobile-phone payment platform and user;
The mobile internet sales platform sends to the user with short message mode and pays successful information, perhaps sends to the successful information of payment client terminal payment.
5. the method that realizes mobile-phone payment in mobile internet sales according to claim 4, it is characterized in that: described purchase order comprises the payment cell-phone number of the order amount of money, shroff account number and user's appointment at least.
6. the method that realizes mobile-phone payment in mobile internet sales according to claim 4 is characterized in that: described payment information comprises payment number of the account, Payment Amount, shroff account number, cell-phone number at least.
7. according to claim 1 or the 4 described methods that realize mobile-phone payment in mobile internet sales, it is characterized in that: described binding is meant that financial smart card is by symmetry algorithm encryption storage bank card information.
8. the method that realizes mobile-phone payment in mobile internet sales according to claim 1, it is characterized in that: financial smart card is an independent card, is plugged on the mobile phone.
9. the method that realizes mobile-phone payment in mobile internet sales according to claim 1, it is characterized in that: financial smart card and mobile phone card are integrated in a card, are plugged on the mobile phone.
10. the method that realizes mobile-phone payment in mobile internet sales according to claim 1, it is characterized in that: financial smart card and safe digital card are integrated in a card, are plugged on the mobile phone.
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