CN101872511A

CN101872511A - Method for increasing mobile banking short message payment speed by using short message preauthorization

Info

Publication number: CN101872511A
Application number: CN200910103669A
Authority: CN
Inventors: 王颖师
Original assignee: Individual
Current assignee: Individual
Priority date: 2009-04-24
Filing date: 2009-04-24
Publication date: 2010-10-27

Abstract

The invention discloses a method for increasing mobile banking short message payment speed by using short message preauthorization. In the method, a mobile banking client applies for preauthorization and an authorization number to a bank and previously provides the preauthorization of a certain amount of money to a payee; and during actual settlement, the payee and a payer settle with the amount of the preauthorization according to the authorization number. The payment way saves time for the mobile banking user when the mobile banking user waits for communication during settlement and can be used under conditions that the payer waits in line or is absent.

Description

A kind of method of using the note pre-authorization to accelerate Mobile banking's payment by using short messages speed

The present invention discloses a kind of method of using the note pre-authorization to accelerate Mobile banking's payment by using short messages speed.

Need carry out according to the step of " client sends note and sends payment requirements-mobile operator and transmit note to bank; banking system response-transmission payment affirmation information is to both parties " by payment by using short messages system of existing Mobile banking, payment speed is subjected to the influence of links such as note input speed and mobile operation system message reply, the occasion that custom queueing is arranged in the supermarket etc., payment speed is slow, and speed limit makes payment by using short messages be difficult to realize in the application of occasions such as supermarket.From Chinese patent database, retrieve, do not see the patent that similar method of payment aspect of accelerating the operation speed is arranged.

The objective of the invention is a method designing in order to shorten Mobile banking's payment by using short messages client trading waiting time, this method is based upon on the basis of SMS communication.

The invention process process:

A. paying party is before needs are paid, estimate earlier that own this payment probably need pay the money of how many total amounts, obtain a needs payment roughly according to estimation and estimate in advance, use note then to the pre-authorization of bank's application more than or equal to this pre-appraisal;

B. the authorization object of pre-authorization is the beneficiary in the payment activity that is about to carry out;

C. pre-authorization is exactly in fact the money to beneficiary prepayment some, is freezed in the paying party account by bank, can not really pay beneficiary before paying party concrete payment amount unconfirmed;

D. after pre-authorization is confirmed through bank, send information to the both sides that pay, this pre-authorization of both advised is set up, and sends a grant number to the payment both sides, can also send an interim password to both sides simultaneously;

E. beneficiary finished choose after, provide oneself payment number to beneficiary, beneficiary is taken off the amount of money of actual needs payment within the amount of money restriction of pre-authorization according to this payment number; And the money of release surplus part;

F. paying party is confirmed actual delivery quantity by the mode of input password or signature;

G. payment transaction finishes;

If h. pre-authorization does not pass through the affirmation of paying party, then a period of time (for example 24 hours) afterwards pre-authorization cancel automatically.

Applicating example one:

When a client of Mobile banking (paying party) buys commodity to certain supermarket (beneficiary), paying party is estimated to need to buy and is no more than 300 yuan commodity, then this paying party just can be in advance with note to the pre-authorization of 300 yuan of bank's applications to beneficiary; The account of checking the payer after the pre-authorization instruction is received by bank, if account balance is enough paid, then bank sends information to paying party and beneficiary, the pre-authorization that both advised is 300 yuan is set up, simultaneously bank freezes 300 yuan of funds and settles accounts with beneficiary in payment subsequently in order to paying party in the bank account of payer, simultaneously, bank also sends a grant number (can add an interim password) to payer and payee both sides, and this grant number (and password) is represented the fund of pre-authorization.Paying party is when carrying out actual delivery, as long as provide this grant number (and password) to beneficiary, just can settle accounts with beneficiary, beneficiary is deducted the amount of money of actual needs payment within pre-authorization quantity, (for example inputs after password or the signature) this payment transaction and set up after the payer confirms.Because the front of this transaction one section (sending the note request pre-authorization and the number of obtaining the authorization) can carry out when entering the supermarket or when waiting in line, so can save the process that when payment, sends Payment Request, when settling accounts, paying party and beneficiary have all been known the amount of money and the grant number of pre-authorization, in the middle of the amount of money of pre-authorization, deduct the real trade amount of money, after both sides confirm, conclude the business and to set up.

Applicating example two:

Certain family need entrust the food supply retail shop of nurse in the sub-district to buy and be no more than 60 yuan food every day.The member who administers finance in the same day family is by note pre-authorization and interim password to 60 yuan of bank's applications, and tell nurse with grant number and interim password by phone or note, nurse as long as provide grant number and interim password to food supply retail shop, just can settle accounts with food supply retail shop when the time comes.

Claims

1. a method of using the note pre-authorization to accelerate Mobile banking's payment by using short messages speed is characterized in that the dual stage process that the client of Mobile banking is adopted when beneficiary is paid the bill.It comprises following method:

(1) phase one, at first by sending note to the pre-authorization of bank's application to the beneficiary some, this pre-authorization can be more than or equal to the amount of money that will pay for paying party, and the pre-authorization fund is freezed in the account of paying party;

Bank sends information to beneficiary and paying party after the instruction of receiving paying party and confirming that paying party account fund is enough paid, the both advised pre-authorization is set up, and sends a grant number to both sides, also can add an interim password;

(2) subordinate phase, when paying party and beneficiary are settled accounts, paying party provides grant number, interim password is provided in case of necessity, beneficiary is settled accounts with paying party after checking grant number and password, and payment was set up after both sides confirmed Payment Amount, and the balance in the pre-authorization amount of money after the part of deduction actual delivery is returned the paying party account, if pre-authorization is not clearing in certain hour section (for example 24 hours), then pre-authorization is cancelled automatically.