CN102208120A - Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card - Google Patents
Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card Download PDFInfo
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Abstract
The invention discloses a double-path authentication payment system and method based on a radio frequency-subscriber identity module (RF-SIM) card and a virtual mobile phone bank card. The RF-SIM card (101) is arranged in a mobile phone (1), and the RF-SIM card (101) is provided with a close-range wireless communication element and an electronic wallet which can substitute a bank card (2) of a user for payment. During payment, the user transmits acknowledgment information to a China mobile bank card payment center (6) through a mobile phone network (7) by using the mobile phone (1), a merchant reads the account of the electronic wallet in the RF-SIM card (101) of the mobile phone (1) of the user by using a time division-synchronization code division multiple access (TD-SCDMA) collection terminal (3), the account is transmitted to the China mobile bank card payment center (6) together with payment information such as payment amount and the like and is verified, the China mobile bank card payment center (6) collects money from the account of the bank card (2) of the user after the verification is successful, and the money is deposited in the bank account of an acquiring bank (5) of the merchant during settlement after commission is deducted from the money.
Description
[technical field]
The present invention relates to mobile communication technology and E-Payment technology, particularly relate to a kind of RF-SIM card mobile phone virtual bank card two-way authentication payment system and method.
[background technology]
Mechanics of communication development is at a tremendous pace, and mobile phone has become the personal communication apparatus that people carry, and it is also more and more to adopt mobile phone to do beyond the communication service of function, comprising the mobile-phone payment service of using mobile phone as the means of payment.General mobile-phone payment service at present, the user will offer the mobile-phone payment account of a special use in advance the mobile phone operator, and in advance fund is deposited in this mobile-phone payment account, just can use this mobile-phone payment account to pay then by mobile phone, the user can not use account such as his credit card, debit card directly to pay, and is very inconvenient.And these funds that pre-deposit the mobile-phone payment account generally can only be used for mobile-phone payment, can not make other purposes, fund deposits in behind the mobile-phone payment account just as having precipitated, and can not allocate flexibly to hold concurrently and do not have interest, fund application to the user constitutes inconvenience, and being one has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of RF-SIM card mobile phone virtual bank card two-way authentication payment system and method, with the application that realizes using mobile phone that accounts such as credit card, debit card are directly paid.
The object of the present invention is achieved like this, adopt a kind of like this RF-SIM card mobile phone virtual bank card two-way authentication payment system, can be used for the little amount of money, a large sum of money payment, it is characterized in that, described system includes each user's mobile phone (1), the TD-SCDMA cash receiving terminal (3) of each trade company, China Mobile bank card paying centre (6)
Wherein,
Be provided with RF-SIM card (101) in the described mobile phone (1), this RF-SIM card (101) is except the function that possesses general SIM card and provide, also be provided with wireless near field communication (Near FieldCommunication, NFC) element and stored value card store a unique account number in this stored value card;
Described TD-SCDMA cash receiving terminal (3) is provided with the reader device that is used to read the interior stored value card of the interior RF-SIM card of mobile phone (1) (101), and TD-SCDMA cash receiving terminal (3) also is provided with the TD-SCDMA mobile phone that is used for China Mobile bank card paying centre (6) communication;
Described China Mobile bank card paying centre (6) is provided with each user's the mobile-phone payment account and the collecting account of each trade company, the account number of each mobile-phone payment account and the interior stored value card of RF-SIM card (101) of the user's of this account mobile phone (1) and the telephone number of this RF-SIM card (101) and this user's bank card (2) account bundlees mutually, and set one and confirm password, each collecting account bundlees at the bank account of merchant bank (5) mutually with telephone number and this trade company of the TD-SCDMA mobile phone of each TD-SCDMA cash receiving terminal (3) of this trade company;
And,
China Mobile bank card paying centre (6) and distribution user's each issuing bank (4) of bank card (2) and the TD-SCDMA cash receiving terminal (3) of each merchant bank (5) and each trade company be the telecommunication line mutually, when paying, the affirmation information that the user uses its mobile phone (1) to comprise and confirms password is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, carry out the work of relevant payment and clearing by China Mobile bank card paying centre (6) according to confirmation and payment information.
And, adopt a kind of like this RF-SIM card mobile phone virtual bank card two-way authentication method of payment, adopt hand call payment system as previously described, can be used for the little amount of money, the a large sum of money payment, it is characterized in that, described method comprises and adopts the mobile phone (1) be provided with RF-SIM card (101) to replace user's bank card (2) to pay, when paying, the affirmation information of being used its mobile phone (1) to comprise to confirm password by the payment user is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, the payment information that affirmation information that the checking payment user of China Mobile bank card paying centre (6) sends and gathering trade company send, be proved to be successful back China Mobile bank card paying centre (6) and collect the money of this payment, deposit trade company in the bank account of merchant bank (5) after when clearing, this money being deducted a commission then from payment user's bank card (2) account.
So just realized purpose of the present invention.
RF-SIM card mobile phone virtual bank card two-way authentication payment system of the present invention and method, be suitable for the application of the little amount of money and a large sum of money payment simultaneously, the little amount of money props up directly from the interior stored value card gathering of RF-SIM card (101), convenient and swift, and a large sum of money payment, then, convenient and swift directly from user's bank card (2) account gathering.After adopting system and method for the present invention, the user need not deposit fund in the mobile phone disbursement account in advance for using the mobile-phone payment service, can not constitute any inconvenience to user's operation of capital.
[description of drawings]
Fig. 1 is the structural representation key diagram of RF-SIM card mobile phone virtual bank card two-way authentication payment system of the present invention;
Fig. 2 is the payment step schematic illustration of first embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention;
Fig. 3 is the payment step schematic illustration of second embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention;
Fig. 4 is the payment step schematic illustration of the 3rd embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention;
Fig. 5 is the payment step schematic illustration of the 4th embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the straight line of band numeral and arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, system and method for the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram of RF-SIM card mobile phone virtual bank card two-way authentication payment system of the present invention, system shown in Fig. 1 includes each user's mobile phone (1), the TD-SCDMA cash receiving terminal (3) of each trade company, China Mobile bank card paying centre (6), wherein, be provided with RF-SIM card (101) in the described mobile phone (1), this RF-SIM card (101) is except the function that possesses general SIM card and provide, also be provided with wireless near field communication (Near FieldCommunication, NFC) element and stored value card store a unique account number in this stored value card; Described TD-SCDMA cash receiving terminal (3) is provided with the reader device that is used to read the interior stored value card of the interior RF-SIM card of mobile phone (1) (101), and TD-SCDMA cash receiving terminal (3) also is provided with the TD-SCDMA mobile phone that is used for China Mobile bank card paying centre (6) communication; Described China Mobile bank card paying centre (6) is provided with each user's the mobile-phone payment account and the collecting account of each trade company, the account number of each mobile-phone payment account and the interior stored value card of RF-SIM card (101) of the user's of this account mobile phone (1) and the telephone number of this RF-SIM card (101) and this user's bank card (2) account bundlees mutually, and set one and confirm password, each collecting account bundlees at the bank account of merchant bank (5) mutually with telephone number and this trade company of the TD-SCDMA mobile phone of each TD-SCDMA cash receiving terminal (3) of this trade company; And, China Mobile bank card paying centre (6) and distribution user's each issuing bank (4) of bank card (2) and the TD-SCDMA cash receiving terminal (3) of each merchant bank (5) and each trade company be the telecommunication line mutually, when paying, the affirmation information that the user uses its mobile phone (1) to comprise and confirms password is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, carry out the work of relevant payment and clearing by China Mobile bank card paying centre (6) according to confirmation and payment information.
Aspect being provided with, China Mobile bank card paying centre (6) is by each TD-SCDMA cash receiving terminal (3) data communication mutually of mobile telephone network (7) and each trade company, and China Mobile bank card paying centre (6) records the telephone number, each trade company of the interior TD-SCDMA mobile phone of each TD-SCDMA cash receiving terminal (3) data such as Bank Account Number in merchant bank (5).China Mobile bank card paying centre (6) also is provided with each user's disbursement account, and each disbursement account records account number and the telephone number of this RF-SIM card (2) and bank card (2) account number that this user is used to pay of this user's the interior stored value card of the interior RF-SIM card of mobile phone (1) (2).In this manual, mobile telephone network (7) can be the TD-SCDMA mobile telephone network of China Mobile, or the telephone network of being made up of in conjunction with fixed telephone network, gsm mobile telephone network, CDMA mobile telephone network etc. the TD-SCDMA mobile telephone network of China Mobile.
Aspect trade company, trade company will be provided with TD-SCDMA cash receiving terminal (3), be provided with a TD-SCDMA mobile phone in each TD-SCDMA cash receiving terminal (3), the telephone number of this TD-SCDMA mobile phone is exactly the identification of TD-SCDMA cash receiving terminal (3), the telephone number of TD-SCDMA mobile phone of each TD-SCDMA cash receiving terminal (3) and this trade company Bank Account Number in merchant bank (5) will be registered in China Mobile bank card paying centre (6) simultaneously by trade company, by China Mobile bank card paying centre (6) telephone number and this trade company of the TD-SCDMA mobile phone of whole TD-SCDMA cash receiving terminals (3) of this trade company are bundled mutually at the Bank Account Number of merchant bank (5), later on by the transaction of paying of arbitrary TD-SCDMA cash receiving terminal (3) of this trade company, the fund of being received can deposit the bank account of this trade company in merchant bank (5) in.
At customer-side, the user will offer a disbursement account in China Mobile bank card paying centre (6), distribute a RF-SIM card (101) that is built-in with stored value card to give user's mobile phone (1) by China Mobile bank card paying centre (6), China Mobile bank card paying centre (6) bundlees the telephone number of the account number of user's disbursement account and the interior stored value card of this RF-SIM card (101) and RF-SIM card (101), bank card (3) account number etc. mutually.If user's bank card (3) is the card of band password, debit card for example, the card etc. of withdrawing the money, user's bank card (3) password is exactly that the user carries out a large sum of money affirmation password in when payment, when carrying out a large sum of money payment, the affirmation password that China Mobile bank card paying centre (6) can send the user here is transferred to issuing bank (4) and carries out payment by the transfer of accounts, and China Mobile bank card paying centre (6) be can stored user bank card (3) password, the checking work of password is responsible for by issuing bank (4), and issuing bank after the password confirmation (4) just transfers accounts to finish a large sum of money payment.If user's bank card (3) is a card of not being with password, credit card for example, the user also need set the affirmation password of a password when using this credit card account to carry out, and China Mobile bank card paying centre (6) checks this affirmation password and will block after errorless assorted from this credit card account.In addition, after the user also will supplement stored value card with money, just can carry out little amount of money payment.
Consult Fig. 2, Fig. 2 is the payment step schematic illustration of first embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention, method shown in Fig. 2 comprises and adopts the mobile phone (1) be provided with RF-SIM card (101) to replace user's bank card (2) to pay, when paying, the affirmation information of being used its mobile phone (1) to comprise to confirm password by the payment user is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, the payment information that affirmation information that the checking payment user of China Mobile bank card paying centre (6) sends and gathering trade company send, be proved to be successful back China Mobile bank card paying centre (6) and collect the money of this payment, deposit trade company in the bank account of merchant bank (5) after when clearing, this money being deducted a commission then from payment user's bank card (2) account.
In addition, in the present invention, described confirmation also includes the upper limit amount of money that limits this time payment, after China Mobile bank card paying centre (6) receives that the user uses affirmation information that its mobile phone (1) sends and trade company to use the payment information that its TD-SCDMA cash receiving terminal (3) sends, whether the payment in the meeting validation of payment information surpasses the upper limit amount of money in the confirmation, when finding that payment surpasses the upper limit amount of money, China Mobile bank card paying centre (6) can carry out this payment by refusal.Increased the mechanism of the upper limit amount of money, can allow the more relieved use mobile-phone payment of user, can not overcharge money, ensured user's interests even trade company has imported wrong payment.
Continue to consult Fig. 2, the method shown in Fig. 2 also comprises following A group step, is the step that the user carries out a large sum of money payment in trade company, and concrete A group step is as follows:
A1. the user uses its mobile phone (1) will comprise the affirmation information of confirming the password and the upper limit amount of money and is sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
A2. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company; The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
A3. the information source telephone number of China Mobile's bank card paying centre (6) affirmation information of sending from the user is found out user's disbursement account and bank card (2) account that the user is used to pay, find the affirmation password and the upper limit amount of money from this confirmation content, find out the collecting account of trade company and trade company bank account from the information source telephone number of payment information in merchant bank (5), find the account number of payment and user's stored value card from this payment information content, find out the affirmation information that the user sends from the account number of this stored value card;
After China Mobile bank card paying centre (6) the every information of checking is errorless, collect the money of this payment from the account of this bank card (2);
A4. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
A5. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
Continue to consult Fig. 1 and Fig. 2, further improvement of the present invention, it is mobile-phone payment account with a plurality of bank cards (2) account while user bound of user, being described mobile-phone payment account bundlees mutually with each bank card (2) account of the telephone number of the account number of the interior stored value card of RF-SIM card (101) of the user's of this account mobile phone (1) and this RF-SIM card (101) and this user, each bank card that bundlees mutually (2) account distributes a card code name, include in the affirmation information that the user sends by its mobile phone (1) when paying this user a wherein bank card the card code name and confirm password, China Mobile bank card paying centre (6) is according to the card code name in the confirmation, bank card (2) account who answers from this card code name carries out the relevant work of paying, after comprising that China Mobile bank card paying centre (6) receives that the user uses affirmation information that its mobile phone (1) sends and trade company to use the payment information that its TD-SCDMA cash receiving terminal (3) sends and is proved to be successful, China Mobile bank card paying centre (6) collects the money of this payment from this pairing user's of card code name bank card (2) account, and deposits trade company in the bank account of merchant bank (5) after when clearing this money being deducted a commission.
Consult Fig. 3, Fig. 3 is the payment step schematic illustration of second embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention, compare with first embodiment, the main difference part is among first embodiment, confirmation is that the user is sent to China Mobile bank card paying centre (6) in advance before trade company's brush RF-SIM card (101) payment, and among second embodiment, the user is behind trade company's brush, obtain confirmation by China Mobile bank card paying centre (6) to the user, no matter adopt first embodiment or second embodiment, all can finely all realize purpose of the present invention.Continue to consult Fig. 3, the method shown in Fig. 3 also comprises following B group step, is the step that the user carries out a large sum of money payment in trade company, and concrete B group step is as follows:
B1. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that B2.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
B3. China Mobile's bank card paying centre (6) find out the collecting account of trade company and the trade company bank account in merchant bank (5) from the information source telephone number of payment information, find the account number of payment and user's stored value card from this payment information content, find out the telephone number of user's mobile-phone payment account and user's RF-SIM card (101) from the account number of this stored value card;
China Mobile bank card paying centre (6) sends the mobile phone (1) of the request confirmation of relevant payment to the user by mobile telephone network (7);
B4. user's mobile phone (1) is received this request confirmation, and the user agrees that confirming just to use mobile phone (1) to send confirmation replys China Mobile bank card paying centre (6), and described confirmation comprises the affirmation password;
B5. the payment information that sends of China Mobile's bank card paying centre (6) checking affirmation information sent of user and trade company errorless after, the account of the bank card of being bound from this user's mobile-phone payment account (2) collects the money of this payment;
B6. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
B7. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
Consult Fig. 4, Fig. 4 is the payment step schematic illustration of the 3rd embodiment of RF-SIM card mobile phone virtual bank card two-way authentication method of payment of the present invention, compare with first embodiment, the main difference part is among the 3rd embodiment, and the user can select bank card (2) account that is used to pay.No matter adopt first embodiment or the 3rd embodiment, all can finely all realize purpose of the present invention.Continue to consult Fig. 4, the method shown in Fig. 4 also comprises following C group step, is the step that the user carries out a large sum of money payment, and concrete C group step is as follows:
C1. the user uses its mobile phone (1) that confirmation is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), and described confirmation includes the card code name of bank card (2) account's correspondence of confirming password and the upper limit amount of money and being used to pay;
C2. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company; The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that C3.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
C4. the information source telephone number of China Mobile's bank card paying centre (6) affirmation information of sending from the user finds user's disbursement account, find affirmation password and the upper limit amount of money and card code name from this confirmation content, find out bank card (2) account that the user is used to pay from this card code name, find out the collecting account of trade company and trade company bank account from the information source telephone number of payment information in merchant bank (5), find the account number of payment and user's stored value card from this payment information content, find out the affirmation information that the user sends from the account number of this stored value card;
After China Mobile bank card paying centre (6) the every information of checking is errorless, collect the money of this payment from the account of this bank card (2);
C5. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
C6. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
Consult Fig. 5, Fig. 5 is the payment step schematic illustration of the 4th embodiment of the hand set paying method that makes built-in RF-SIM card mobile phone of the present invention, compare with the 3rd embodiment, the main difference part is among the 4th embodiment, and the user can select bank card (2) account that is used to pay.No matter adopt the 3rd embodiment or the 4th embodiment, all can finely all realize purpose of the present invention.Continue to consult Fig. 5, the method shown in Fig. 5 also comprises following D group step, is the step that the user carries out a large sum of money payment, and concrete D group step is as follows:
D1. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that D2.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
D3. China Mobile's bank card paying centre (6) find out the collecting account of trade company and the trade company bank account in merchant bank (5) from the information source telephone number of payment information, find the account number of payment and user's stored value card from this payment information content, find out the telephone number of user's mobile-phone payment account and user's RF-SIM card (101) from the account number of this stored value card;
China Mobile bank card paying centre (6) sends the mobile phone (1) of the request confirmation of relevant payment to the user by mobile telephone network (7);
D4. user's mobile phone (1) is received this request confirmation, the user agrees that confirming just to use mobile phone (1) to send confirmation replys China Mobile bank card paying centre (6), and described confirmation comprises the card code name of bank card (2) account's correspondence of confirming password and being used to pay;
D5. the payment information that sends of China Mobile's bank card paying centre (6) checking affirmation information sent of user and trade company errorless after, the account of the pairing bank card of card code name (2) in this confirmation collects the money of this payment;
D6. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
D7. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
In this manual, the card that described user's bank card (2) comprises credit card, debit card, the card of withdrawing the money, ATM card, goods note card and so on be can be used for paying by issued by banks.In addition, described TD-SCDMA cash receiving terminal (3) also is provided with magnetic card reader and/or contact intelligent card card reader, and system of the present invention like this can also carry out payment transactions such as some traditional debit cards, credit card except carrying out the mobile-phone payment.
RF-SIM card mobile phone virtual bank card two-way authentication payment system of the present invention and method have below been described in detail, though the present invention is illustrated with the above embodiments, but the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
System and method of the present invention uses simple and convenient, and its enforcement can be to promote to pay by mails and brings good benefit, to user and trade company benifit very all.
Claims (10)
1. a RF-SIM card mobile phone virtual bank card two-way authenticates payment system, can be used for the little amount of money, a large sum of money payment, it is characterized in that described system includes each user's mobile phone (1), the TD-SCDMA cash receiving terminal (3) of each trade company, China Mobile bank card paying centre (6)
Wherein,
Be provided with RF-SIM card (101) in the described mobile phone (1), this RF-SIM card (101) also is provided with wireless near field communication element and stored value card except the function that possesses general SIM card and provide, store a unique account number in this stored value card;
Described TD-SCDMA cash receiving terminal (3) is provided with the reader device that is used to read the interior stored value card of the interior RF-SIM card of mobile phone (1) (101), and TD-SCDMA cash receiving terminal (3) also is provided with the TD-SCDMA mobile phone that is used for China Mobile bank card paying centre (6) communication;
Described China Mobile bank card paying centre (6) is provided with each user's the mobile-phone payment account and the collecting account of each trade company, the account number of each mobile-phone payment account and the interior stored value card of RF-SIM card (101) of the user's of this account mobile phone (1) and the telephone number of this RF-SIM card (101) and this user's bank card (2) account bundlees mutually, and set one and confirm password, each collecting account bundlees at the bank account of merchant bank (5) mutually with telephone number and this trade company of the TD-SCDMA mobile phone of each TD-SCDMA cash receiving terminal (3) of this trade company;
And,
China Mobile bank card paying centre (6) and distribution user's each issuing bank (4) of bank card (2) and the TD-SCDMA cash receiving terminal (3) of each merchant bank (5) and each trade company be the telecommunication line mutually, when paying, the affirmation information that the user uses its mobile phone (1) to comprise and confirms password is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, carry out the work of relevant payment and clearing by China Mobile bank card paying centre (6) according to confirmation and payment information.
2. RF-SIM card mobile phone virtual bank card two-way authentication payment system as claimed in claim 1, it is characterized in that, each bank card (2) account of the account number of described mobile-phone payment account and the interior stored value card of RF-SIM card (101) of the user's of this account mobile phone (1) and the telephone number of this RF-SIM card (101) and this user bundlees mutually, each bank card that bundlees mutually (2) account distributes a card code name, include in the affirmation information that the user sends by its mobile phone (1) when paying this user a wherein bank card the card code name and confirm password, China Mobile bank card paying centre (6) is according to the card code name in the confirmation, and bank card (2) account who answers from this card code name carries out the relevant work of paying.
3. RF-SIM card mobile phone virtual bank card two-way authentication payment system as claimed in claim 1 or 2, it is characterized in that the card that described bank card (2) comprises credit card, debit card, the card of withdrawing the money, ATM card, goods note card and so on be can be used for paying by issued by banks.
4. RF-SIM card mobile phone virtual bank card two-way authentication payment system as claimed in claim 1 or 2 is characterized in that described TD-SCDMA cash receiving terminal (3) also is provided with magnetic card reader and/or contact intelligent card card reader.
5. a RF-SIM card mobile phone virtual bank card two-way authenticates method of payment, adopt as each described RF-SIM card mobile phone virtual bank card two-way authentication payment system of claim 1 to 4, can be used for the little amount of money, the a large sum of money payment, it is characterized in that, described method comprises and adopts the mobile phone (1) be provided with RF-SIM card (101) to replace user's bank card (2) to pay, when paying, the affirmation information of being used its mobile phone (1) to comprise to confirm password by the payment user is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), trade company uses its TD-SCDMA cash receiving terminal (3) to read the account number of the interior stored value card of RF-SIM card (101) of user mobile phone (1), be sent to China Mobile bank card paying centre (6) together with payment informations such as payments then, the payment information that affirmation information that the checking payment user of China Mobile bank card paying centre (6) sends and gathering trade company send, be proved to be successful back China Mobile bank card paying centre (6) and collect the money of this payment, deposit trade company in the bank account of merchant bank (5) after when clearing, this money being deducted a commission then from payment user's bank card (2) account.
6. RF-SIM card mobile phone virtual bank card two-way authentication method of payment as claimed in claim 5, it is characterized in that, described confirmation also includes the upper limit amount of money that limits this time payment, after China Mobile bank card paying centre (6) receives that the user uses affirmation information that its mobile phone (1) sends and trade company to use the payment information that its TD-SCDMA cash receiving terminal (3) sends, whether the payment in the meeting validation of payment information surpasses the upper limit amount of money in the confirmation, when finding that payment surpasses the upper limit amount of money, China Mobile bank card paying centre (6) can carry out this payment by refusal.
7. as claim 5 or 6 described RF-SIM card mobile phone virtual bank card two-way authentication methods of payment, it is characterized in that described method also comprises following A group step, is the step that the user carries out a large sum of money payment in trade company, concrete A group step is as follows:
A1. the user uses its mobile phone (1) will comprise the affirmation information of confirming the password and the upper limit amount of money and is sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
A2. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that A3.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
A4. the information source telephone number of China Mobile's bank card paying centre (6) affirmation information of sending from the user is found out user's disbursement account and bank card (2) account that the user is used to pay, find the affirmation password and the upper limit amount of money from this confirmation content, find out the collecting account of trade company and trade company bank account from the information source telephone number of payment information in merchant bank (5), find the account number of payment and user's stored value card from this payment information content, find out the affirmation information that the user sends from the account number of this stored value card;
After China Mobile bank card paying centre (6) the every information of checking is errorless, collect the money of this payment from the account of this bank card (2);
A5. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
A6. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
8. as claim 5 or 6 described RF-S IM card mobile phone virtual bank card two-way authentication methods of payment, it is characterized in that described method also comprises following B group step, is the step that the user carries out a large sum of money payment in trade company, concrete B group step is as follows:
B1. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that B2.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
B3. China Mobile's bank card paying centre (6) find out the collecting account of trade company and the trade company bank account in merchant bank (5) from the information source telephone number of payment information, find the account number of payment and user's stored value card from this payment information content, find out the telephone number of user's mobile-phone payment account and user's RF-SIM card (101) from the account number of this stored value card;
China Mobile bank card paying centre (6) sends the mobile phone (1) of the request confirmation of relevant payment to the user by mobile telephone network (7);
B4. user's mobile phone (1) is received this request confirmation, and the user agrees that confirming just to use mobile phone (1) to send confirmation replys China Mobile bank card paying centre (6), and described confirmation comprises the affirmation password;
B5. the payment information that sends of China Mobile's bank card paying centre (6) checking affirmation information sent of user and trade company errorless after, the account of the bank card of being bound from this user's mobile-phone payment account (2) collects the money of this payment;
B6. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
B7. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
9. as claim 5 or 6 described RF-S IM card mobile phone virtual bank card two-way authentication methods of payment, it is characterized in that described method also comprises following C group step, is the step that the user carries out a large sum of money payment, concrete C group step is as follows:
C1. the user uses its mobile phone (1) that confirmation is sent to China Mobile bank card paying centre (6) by mobile telephone network (7), and described confirmation includes the card code name of bank card (2) account's correspondence of confirming password and the upper limit amount of money and being used to pay;
C2. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that C3.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
C4. the information source telephone number of China Mobile's bank card paying centre (6) affirmation information of sending from the user finds user's disbursement account, find affirmation password and the upper limit amount of money and card code name from this confirmation content, find out bank card (2) account that the user is used to pay from this card code name, find out the collecting account of trade company and trade company bank account from the information source telephone number of payment information in merchant bank (5), find the account number of payment and user's stored value card from this payment information content, find out the affirmation information that the user sends from the account number of this stored value card;
After China Mobile bank card paying centre (6) the every information of checking is errorless, collect the money of this payment from the account of this bank card (2);
C5. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
C6. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
10. as claim 5 or 6 described RF-SIM card mobile phone virtual bank card two-way authentication methods of payment, it is characterized in that described method also comprises following D group step, is the step that the user carries out a large sum of money payment, concrete D group step is as follows:
D1. the input payment goes up at TD-SCDMA cash receiving terminal (3) in trade company;
The user is put into its mobile phone (1) on the reader device of TD-SCDMA cash receiving terminal (3), is read the account number of the interior stored value card of RF-SIM card (101) of mobile phone (1) by reader device by TD-SCDMA cash receiving terminal (3);
The payment informations such as account number that D2.TD-SCDMA cash receiving terminal (3) will comprise payment and the stored value card that is read are sent to China Mobile bank card paying centre (6) by mobile telephone network (7);
D3. China Mobile's bank card paying centre (6) find out the collecting account of trade company and the trade company bank account in merchant bank (5) from the information source telephone number of payment information, find the account number of payment and user's stored value card from this payment information content, find out the telephone number of user's mobile-phone payment account and user's RF-SIM card (101) from the account number of this stored value card;
China Mobile bank card paying centre (6) sends the mobile phone (1) of the request confirmation of relevant payment to the user by mobile telephone network (7);
D4. user's mobile phone (1) is received this request confirmation, the user agrees that confirming just to use mobile phone (1) to send confirmation replys China Mobile bank card paying centre (6), and described confirmation comprises the card code name of bank card (2) account's correspondence of confirming password and being used to pay;
D5. the payment information that sends of China Mobile's bank card paying centre (6) checking affirmation information sent of user and trade company errorless after, the account of the pairing bank card of card code name (2) in this confirmation collects the money of this payment;
D6. collecting money, China Mobile bank card paying centre (6) sends the successful information of collecting money to TD-SCDMA cash receiving terminal (3) after the success, and sends the payment successful information by mobile telephone network (7) to user's mobile phone (1);
After TD-SCDMA cash receiving terminal (3) is received this successful information of collecting money, print receipt and give the user;
D7. deposit trade company in the bank account of merchant bank (5) after China Mobile bank card paying centre (6) deducts a commission this money when clearing.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010101402884A CN102208120A (en) | 2010-03-31 | 2010-03-31 | Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card |
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| CN2010101402884A CN102208120A (en) | 2010-03-31 | 2010-03-31 | Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card |
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Application publication date: 20111005 |