CN101853459A - Payment method based on mobile phone payment - Google Patents

Payment method based on mobile phone payment Download PDF

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Publication number
CN101853459A
CN101853459A CN201010173743A CN201010173743A CN101853459A CN 101853459 A CN101853459 A CN 101853459A CN 201010173743 A CN201010173743 A CN 201010173743A CN 201010173743 A CN201010173743 A CN 201010173743A CN 101853459 A CN101853459 A CN 101853459A
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China
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payment
mobile
phone
fees
user
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CN201010173743A
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李黎明
王玉春
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CHENGDU NETFRONT INFORMATION TECHNOLOGY Co Ltd
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CHENGDU NETFRONT INFORMATION TECHNOLOGY Co Ltd
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Priority to CN201010173743A priority Critical patent/CN101853459A/en
Publication of CN101853459A publication Critical patent/CN101853459A/en
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Abstract

The invention discloses a payment method based on mobile phone payment. In the method, a user binds bank cards with a financial intelligent card in a mobile phone; a payment client terminal which is connected with a mobile phone payment platform by a network is installed on the mobile phone; after inquiring payment information or receiving payment bills sent form the mobile phone payment platform, the user selects a bank card, inputs passwords to pay the required charge; in the paying process, DES (Data Encryption Standard) or 3DES encryption algorithm is used for enciphering sensitive data and an encrypted message, and an MAC (Message Authentication Code) authentication method is also used. The invention provides two modes of active payment and payment by informing of the payment platform, can meet requirements of different users, pay charge very safely, ensure the payment timeliness of users, and save public payment facility resources. The invention provides a quicker, safer and more convenient payment method.

Description

Fee payment method based on mobile-phone payment
Technical field
The means of paying the fees that the present invention relates to relate in the daily life, the particularly method by the various expenses of mobile-phone payment.
Background technology
In the daily life, people pay various expenses through regular meeting, for example: water, electricity and gas, traffic fine, property (comprising property management expense, refuse collection expense, sub-district parking fee), fixed line broadband, IPTV expense etc., common fee payment method has following several:
1) pays the fees to property management, as water, electricity and gas, property.
2) pay the fees to the business hall, as water, electricity and gas, fixed line broadband, IPTV.
3) bank withholds, and pays the fees to bank, as water, electricity and gas, traffic fine.
4) Net silver is paid the fees, as water, electricity and gas, fixed line broadband.
5) bank withholds, as water, electricity and gas.
6) third party's payment platform provides and pays the fees, as water, electricity and gas, fixed line broadband.
Though above multiple fee payment method is selected for the consumer, said method has following shortcoming:
1) restriction of business hours, the business hours at the scene of paying the fees such as property management, business hall, bank generally are to overlap daytime and common working clan's working time, cause and can't pay the fees under working clan's normal condition;
2) lobby is withheld mode, one tame lobby generally has only the minority service window can handle fee payment service, and need and the people of handling bank business ranks together, one side exists the stand-by period longer, also causes the waste of the public resource of lobby;
3) bank withholds mode, must guarantee remaining sum abundance in oneself the bank card by the holder, otherwise can not withhold, and also can not remind the holder, causes the holder to miss the phase of paying the fees, and causes fund losses such as overdue fine, even causes bad credit record;
4) pay charge way such as Net silver, third party's payment platform necessarily requires the user that computer must be arranged, and can accesses network, seriously is subject to environment.
Publication number is CN101071492, open day is that the Chinese patent literature on November 14th, 2007 discloses a kind of mobile phone fee payment method based on Mobile banking, is that cell-phone number and the bank card data with payer is stored in described Mobile banking; The payer mobile phone sends the request note of paying the fees to Mobile banking; Described Mobile banking handles the request of the paying the fees note that receives, and sends the affirmation note of paying the fees to the payer mobile phone; The payer mobile phone confirms that to described paying the fees note receives, and sends the affirmation answer short message that comprises the payer bank card data to described Mobile banking; Described Mobile banking receives described affirmation answer short message, and the bank card data of described payer is checked, check successfully after, cry the amount of money of paying the fees from the payer bank card toll collector's account of transferring accounts.This method has solved the problem that online online small amount is paid the fees, and safe, low-cost on-line payment means are provided.
But the drawback of this method maximum is, the operation of paying the fees of payer has Mobile banking's operation to finish in fact, payer is that bank card password is issued Mobile banking by short message mode, the communication modes of this plaintext is very dangerous, and bank card password should be the very information of secret of payer individual, so common people also are unwilling to use this other people bank card password of informing; This mode of paying the fees payment still needs payer to remember to have paid the fees, just carry out active and pay the fees, so also keep away the mode that unavoidable payer can be paid overdue fine, and still may there be the problem that can not in time collect the charges in the toll collector.
Summary of the invention
The invention provides a kind of fee payment method based on mobile-phone payment, this method can combine this innovation modes of payments of traditional fee payment method and mobile-phone payment, apply the present invention to various paying process, can improve the money collecting speed of charge enterprise or mechanism, reduce user's the difficulty of paying the fees, reduce user's financial risks and credit risk.
Technical scheme of the present invention is:
Fee payment method based on mobile-phone payment is characterized in that:
The user installs the payment client terminal that is connected by network with the mobile-phone payment platform then with oneself bank card and the binding of the financial smart card on the mobile phone on the mobile phone; The user by payment client terminal inquiry pay the fees information or receive the bill of paying the fees that the mobile-phone payment platform sends after, the expense that the user selects bank card, input password to pay and will pay by payment client terminal, automatically send payment information then to the mobile-phone payment platform, the mobile-phone payment platform sends to professional related system with user's payment information, after professional related system is confirmed, the information of confirming charge is sent to the mobile-phone payment client by the mobile-phone payment platform; Simultaneously, the bank card that the user selects the transfer accounts account of professional related system of the amount of money of will paying the fees, payment is paid the fees and is finished;
In paying process, in the reciprocal process between mobile phone and the mobile-phone payment platform, between mobile-phone payment platform and the professional related system user's sensitive information has been carried out DES or the 3DES cryptographic algorithm is encrypted, and adopted and prevent the MAC method of calibration that data are distorted.
Described 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 bank card and financial smart card binding are meant that the bank card magnetic strip information is stored on the financial smart card through the symmetric encipherment algorithm encryption.
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.
Financial smart card can be bound at least one bank card, for example: 1,3,5,9 or the like.
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.
The user can realize paying the fees by dual mode:
First kind, active pay charge way: when the user pays the fees information by the payment client terminal inquiry, select the option (for example: property management expense, charges for water and electricity, gas expense, fixed line broadband access fee, mobile communication take, value-added service expense or the like) of fee payment service, the user chooses the expense that need pay, selects the bank card of binding, input password to pay in the bank card option then;
Second kind, the bill of paying the fees mode: at first, the user is in mobile-phone payment platform or payment client terminal application mobile-phone payment fee payment service project, when the mobile-phone payment platform then can premium notice occur in the project of paying the fees of pay the fees date or user's appointment of customization, automatically generate the bill of paying the fees, the bill of will paying the fees sends to user mobile phone; Then, user mobile phone activates and the startup payment client terminal after receiving the bill of paying the fees, and the user directly pays by the bill of paying the fees that the mobile-phone payment client shows.
Described mobile-phone payment platform is the server platform that carries out network interaction with the payment client terminal that is carrier, professional related system with the mobile phone.
Beneficial effect of the present invention is:
One, the invention provides that the user initiatively pays the fees and, can satisfy different user group's demand by the dual mode that mobile-phone payment platform notice is paid the fees;
Two, the user can pay the fees as safe as a housely, does not have the risk of the own bank card password of plaintext transmission;
Three, can also customize the bill of paying the fees, regularly remind and oneself pay the fees, pay the fees time and mode are very flexible, have guaranteed user's the promptness of paying the fees, and avoid the user situation of overdue fine to occur paying, have also avoided the professional related system expense can not be timely;
Four, saved a lot and produced the common equipment resource because pay the fees;
The present invention provides faster, more convenient, safer pay charge way for paying the fees.
Description of drawings
Fig. 1 is a system schematic of the invention process
Fig. 2 is an environment synoptic diagram of the present invention
Fig. 3 is the process flow diagram of payment card mode of the present invention
Fig. 4 is the process flow diagram of active pay charge way of the present invention
Embodiment
Embodiment 1
Based on the fee payment method of mobile-phone payment, at first the user is equipped with the payment client terminal that is connected by network with the mobile-phone payment platform with oneself bank card and the binding of the financial smart card on the mobile phone on the mobile phone; The user is by payment client terminal inquiry pay the fees information or paying the fees during bill of receiving that the mobile-phone payment platform sends, the option of selection fee payment service (for example: the property management expense, charges for water and electricity, gas expense, the fixed line broadband access fee, mobile communication takes, value-added service expense or the like), the user chooses the expense that need pay, the user selects bank card by payment client terminal, the expense that the input password is paid and will be paid, automatically send payment information then to the mobile-phone payment platform, the mobile-phone payment platform sends to professional related system with user's payment information, after professional related system is confirmed, the information of confirming charge is sent to the mobile-phone payment client by the mobile-phone payment platform; Simultaneously, the bank card that the user selects the transfer accounts account of professional related system of the amount of money of will paying the fees, payment is paid the fees and is finished.
In paying process, in the reciprocal process between mobile phone and the mobile-phone payment platform, between mobile-phone payment platform and the professional related system user's sensitive information has been carried out DES or the 3DES cryptographic algorithm is encrypted, and adopted and prevent the MAC method of calibration that data are distorted.
Described 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 bank card and financial smart card binding are meant that the bank card magnetic strip information is stored on the financial smart card through the symmetric encipherment algorithm encryption.
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.
Financial smart card can be bound at least one bank card, for example: 1,3,5,9 or the like.
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.
Financial smart card meets " China's finance integrated circuit (IC-card) standard ", has passed through People's Bank of China's detection, has following feature:
※ supports a card is used more, each separate between using (many application, firewall functionality).
※ supports multiple file type to comprise binary file, fixed-length record file, variable-length record file, circular file, wallet file.
※ supports multiple safety protecting mechanism (the confidentiality and integrity protection of information) in communication process.
※ supports multiple secure access mode and authority (authentication function and password protection).
※ supports Single DES, the Triple DES algorithm of People's Bank of China's approval.
※ supports the stored value card and the electronic bankbook function of People's Bank of China's regulation.
※ supports multiple kinds: contact interface is supported T=0 (character transmission) and T=1 (block transfer) communications protocol.
※ supports the PPS agreement, can carry out multiple rate selection.
※ supports multiple Capacity Selection can select 1K, 2K, 4K, 8K, 16K byte EEPROM space.
Described mobile-phone payment platform is the server platform that carries out network interaction with the payment client terminal that is carrier, professional related system with the mobile phone.
Embodiment 2
Based on the fee payment method of mobile-phone payment, the user is equipped with the payment client terminal that is connected by network with the mobile-phone payment platform with oneself bank card and the binding of the financial smart card on the mobile phone on the mobile phone; The user is in mobile-phone payment platform website or payment client terminal application fee payment service, and customized the date of paying the fees, and arrives when the date one of paying the fees, and the mobile-phone payment platform generates the bill of paying the fees automatically, and the bill of will paying the fees sends to user mobile phone; User mobile phone activates and the startup payment client terminal after receiving the bill of paying the fees, and the user directly pays by the bill of paying the fees that the mobile-phone payment client shows.
Then, the expense that the user selects bank card, input password to pay and will pay by payment client terminal, payment client terminal sends to the mobile-phone payment platform with payment information, the mobile-phone payment platform sends to professional related system with user's payment information, after professional related system is confirmed, the information of confirming charge is sent to the mobile-phone payment client by the mobile-phone payment platform; Simultaneously, the bank card that the user selects the transfer accounts account of professional related system of the amount of money of will paying the fees, payment is paid the fees and is finished.
In paying process, in the reciprocal process between mobile phone and the mobile-phone payment platform, between mobile-phone payment platform and the professional related system user's sensitive information has been carried out DES or the 3DES cryptographic algorithm is encrypted, and adopted and prevent the MAC method of calibration that data are distorted.
Described 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 bank card and financial smart card binding are meant that the bank card magnetic strip information is stored on the financial smart card through the symmetric encipherment algorithm encryption.
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.
Financial smart card can be bound at least one bank card, for example: 1,3,5,9 or the like.
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.
Financial smart card meets " China's finance integrated circuit (IC-card) standard ", has passed through People's Bank of China's detection, has following feature:
※ supports a card is used more, each separate between using (many application, firewall functionality).
※ supports multiple file type to comprise binary file, fixed-length record file, variable-length record file, circular file, wallet file.
※ supports multiple safety protecting mechanism (the confidentiality and integrity protection of information) in communication process.
※ supports multiple secure access mode and authority (authentication function and password protection).
※ supports Single DES, the Triple DES algorithm of People's Bank of China's approval.
※ supports the stored value card and the electronic bankbook function of People's Bank of China's regulation.
※ supports multiple kinds: contact interface is supported T=0 (character transmission) and T=1 (block transfer) communications protocol.
※ supports the PPS agreement, can carry out multiple rate selection.
※ supports multiple Capacity Selection can select 1K, 2K, 4K, 8K, 16K byte EEPROM space.
Described mobile-phone payment platform is the server platform that carries out network interaction with the payment client terminal that is carrier, professional related system with the mobile phone.
Embodiment 3
The user has band and binds the mobile phone that the finance of own bank card information can only be blocked, and mobile phone is equipped with payment client terminal, and by mobile-phone payment platform website or payment client terminal application fee payment service.
If user's active in advance pays the fees, then can inquire about the information of paying the fees by payment client terminal, then according to business and the project that can pay, select bank card, import the expense that password is paid and will be paid by payment client terminal; If the user does not initiatively pay the fees in advance, the bill of paying the fees that can wait payment client terminal to receive that the mobile-phone payment platform sends is paid the fees.
The bill of paying the fees that the mobile-phone payment platform sends can be that the bill of regularly paying the fees in customization generates when day arriving and generates automatically, also can be generating the bill of paying the fees when having specified the project of paying the fees premium notice to occur automatically receiving that professional related system sends.
Embodiment 4
As shown in Figure 1, system involved in the present invention comprises: mobile phone, mobile-phone payment platform and professional related system.
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 the financial smart card of getting, the mobile-phone payment client software is installed, can be used mobile-phone payment to use.
Described mobile phone connects with the mobile-phone payment platform by cordless communication network; described mobile-phone payment platform connects with professional related system by the internet with professional related system; the mobile-phone payment platform is encrypted and signature technology with the employing that connects between the professional related system; carry out the encipherment protection of data, carry out the mutual authentication between two systems and prevent distorting of data.
As shown in Figure 2, idiographic flow of the present invention is as follows:
The user handles activating the service of mobile-phone payment to the appointed place, oneself bank card binding in financial smart card, and is installed the mobile-phone payment client software on mobile phone.The user can pay the fees behind the mobile-phone payment service fulfillment.
1) project (this step is optional) of paying the fees is registered at the mobile-phone payment platform in the family;
2) user obtains to pay the fees the amount of money, and the acquisition mode comprises the active inquiry dual mode on payment client terminal by mobile-phone payment platform active push payment card and user;
3) the mobile-phone payment platform obtains user's the amount of money to be paid the fees from the related service system;
4) user pays by payment client terminal connection mobile-phone payment center;
5) the mobile-phone payment platform is finished payment back connection business platform and is submitted the information of paying the fees to;
6) the mobile-phone payment platform returns the successful information of paying the fees to mobile phone.
As shown in Figure 3, the flow process of payment card mode of the present invention is as follows:
1) user is in the mobile-phone payment center registration project of paying the fees, and registration content comprises the propelling movement mode (regularly paying the fees, have amount owed just to pay the fees) of subscriber payment number, pay charge way, payment card etc.;
2) the mobile-phone payment center obtains the amount of money of paying the fees, and can be pushed to the user place by the amount of money generation of paying the fees, and the payment card of paying;
3) the mobile-phone payment center will be supplemented the mobile phone of single active push to the user with money;
4) user's mobile-phone payment client is activated and moves automatically, shows the information of paying the fees.;
5) user can revise the amount of money of paying the fees by payment client terminal;
6) user confirms to pay the fees by payment client terminal;
7) user selects the debit card pay the fees by payment client terminal;
8) user is by the password of payment client terminal input debit card;
9) payment client terminal connection mobile-phone payment platform is finished and is paid the fees;
10) the mobile-phone payment platform is submitted the information of paying the fees to operation system after normally finishing accounting processing;
11) operation system will change the account that the amount of money is charged to the user over to;
12) the mobile-phone payment platform returns the successful information of paying the fees and gives payment client terminal software;
13) mobile-phone payment Client-Prompt subscriber payment success.
As shown in Figure 4, the flow process of active pay charge way of the present invention is as follows:
1) user is in the handset-selected project of paying the fees, and the input information of paying the fees, and the information of paying the fees comprises subscriber payment number etc.;
2) the mobile-phone payment center obtains the amount of money of paying the fees, and the information of paying the fees is turned back to payment client terminal;
3) user's mobile-phone payment client shows the information of paying the fees;
4) user can revise the amount of money of paying the fees by payment client terminal;
5) user confirms to pay the fees by payment client terminal;
6) user selects the debit card pay the fees by payment client terminal;
7) user is by the password of payment client terminal input debit card;
8) payment client terminal connection mobile-phone payment platform is finished and is paid the fees;
9) the mobile-phone payment platform is submitted the information of paying the fees to operation system after normally finishing accounting processing;
10) operation system will change the account that the amount of money is charged to the user over to;
11) the mobile-phone payment platform returns the successful information of paying the fees and gives payment client terminal software;
12) mobile-phone payment Client-Prompt subscriber payment success.

Claims (8)

1. based on the fee payment method of mobile-phone payment, it is characterized in that: the user installs the payment client terminal that is connected by network with the mobile-phone payment platform then with oneself bank card and the binding of the financial smart card on the mobile phone on the mobile phone; The user by payment client terminal inquiry pay the fees information or receive the bill of paying the fees that the mobile-phone payment platform sends after, the expense that the user selects bank card, input password to pay and will pay by payment client terminal, automatically send payment information then to the mobile-phone payment platform, the mobile-phone payment platform sends to professional related system with user's payment information, after professional related system is confirmed, the information of confirming charge is sent to the mobile-phone payment client by the mobile-phone payment platform; Simultaneously, the bank card that the user selects the transfer accounts account of professional related system of the amount of money of will paying the fees, payment is paid the fees and is finished;
In paying process, in the reciprocal process between mobile phone and the mobile-phone payment platform, between mobile-phone payment platform and the professional related system user's sensitive information has been carried out DES or the 3DES cryptographic algorithm is encrypted, and adopted and prevent the MAC method of calibration that data are distorted.
2. the fee payment method based on mobile-phone payment according to claim 1, it is characterized in that: described bank card and financial smart card binding, be meant that the bank card magnetic strip information is stored on the financial smart card through the symmetric encipherment algorithm encryption, financial smart card is bound a bank card at least.
3. the fee payment method based on mobile-phone payment according to claim 2 is characterized in that: financial smart card is an independent card, is plugged on the mobile phone.
4. the fee payment method based on mobile-phone payment according to claim 2 is characterized in that: financial smart card and mobile phone card are integrated in a card, are plugged on the mobile phone.
5. the fee payment method based on mobile-phone payment according to claim 2 is characterized in that: financial smart card and safe digital card are integrated in a card, are plugged on the mobile phone.
6. the fee payment method based on mobile-phone payment according to claim 1 and 2, it is characterized in that: when the user pays the fees information by the payment client terminal inquiry, select the option of fee payment service, the user chooses the expense that need pay, selects the bank card of binding, input password to pay in the bank card option then.
7. the fee payment method based on mobile-phone payment according to claim 1 and 2, it is characterized in that: the user is in mobile-phone payment platform website or payment client terminal application mobile-phone payment fee payment service project, when the mobile-phone payment platform then can premium notice occur in the project of paying the fees of pay the fees date or user's appointment of customization, automatically generate the bill of paying the fees, the bill of will paying the fees sends to user mobile phone; Then, user mobile phone activates and the startup payment client terminal after receiving the bill of paying the fees, and the user directly pays by the bill of paying the fees that the mobile-phone payment client shows.
8. the fee payment method based on mobile-phone payment according to claim 1 is characterized in that: described mobile-phone payment platform is the server platform that carries out network interaction with the payment client terminal that is carrier, professional related system with the mobile phone.
CN201010173743A 2010-05-17 2010-05-17 Payment method based on mobile phone payment Pending CN101853459A (en)

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CN103279864A (en) * 2013-05-02 2013-09-04 吴昌武 System and method for paying traffic fine by mobile phone software
CN103747157A (en) * 2013-02-26 2014-04-23 王新 Mobile recharge consumption system
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CN108109214A (en) * 2017-12-21 2018-06-01 广州众威能信息科技有限公司 A kind of automatic pass gate method, checkout apparatus, storage medium and computer equipment
CN108764892A (en) * 2018-05-29 2018-11-06 广东通莞科技股份有限公司 A kind of encryption system of mobile payment platform
CN109727011A (en) * 2018-05-22 2019-05-07 中国平安人寿保险股份有限公司 Premium paying method, device, equipment and computer readable storage medium
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CN102255727B (en) * 2011-06-23 2015-03-25 中国电力科学研究院 Improved anti-attacking intelligent card authentication method based on user defined algorithm environment
CN102255727A (en) * 2011-06-23 2011-11-23 中国电力科学研究院 Improved anti-attacking intelligent card authentication method based on user defined algorithm environment
CN103747157A (en) * 2013-02-26 2014-04-23 王新 Mobile recharge consumption system
CN103279864A (en) * 2013-05-02 2013-09-04 吴昌武 System and method for paying traffic fine by mobile phone software
CN103942677A (en) * 2014-03-06 2014-07-23 北京钱袋宝支付技术有限公司 Transaction payment method and system, and POS machine
CN103942677B (en) * 2014-03-06 2017-11-07 北京三快在线科技有限公司 Transaction payment method and system, POS
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Application publication date: 20101006