CN102339431A - Immediate payment service method using communication equipment - Google Patents
Immediate payment service method using communication equipment Download PDFInfo
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- CN102339431A CN102339431A CN2010102366211A CN201010236621A CN102339431A CN 102339431 A CN102339431 A CN 102339431A CN 2010102366211 A CN2010102366211 A CN 2010102366211A CN 201010236621 A CN201010236621 A CN 201010236621A CN 102339431 A CN102339431 A CN 102339431A
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Abstract
The invention provides an immediate payment service method using communication equipment. An immediate payment service platform of a communication service provider is provided with identity recognition data of a consumer, so that a purchase fact can be confirmed on the immediate payment service platform through mobile communication equipment or communication equipment arranged at a shopping end when the consumer pay at the shopping end, the shopping end is authorized to pay after the purchase fact is verified to be correct by the immediate payment service platform, and the consumer dials to the immediate payment service platform and inputs a consumption message when the consumer performs consumption at a non-shopping end; and after the identity recognition data is verified to be correct by the immediate payment service platform, the payment is authorized, and the consumption amount is paid or withheld through the immediate payment service platform in modes of a communication service bill, an electronic wallet, bank transfer, credit card payment and the like.
Description
Technical field
The relevant a kind of immediate payment method of servicing that utilizes communication apparatus of the present invention increasing transaction payment convenience, and is kept the security of transaction.
Background technology
Fast development along with computer and communication science and technology; Various transaction kenels is goed deep in its influence gradually, has not been unique selection with cash consumption therefore, through credit card, wafer stored value card plastic cement cards such as (Visa Cash); Because of need not with the cash direct dealing; Can remove the puzzlement of carrying cash from, the consumer can be done shopping quickly and easily, also improve the trading volume of consumer's purchasing power and merchant transaction.With the wafer stored value card is example, stores the amount of money through the microwafer in every stored value card, when checking out; As long as be inserted into the reading machine of businessman; And the cashier can import consumer's dealing money, after the consumer confirms, promptly deducts in the remaining sum by card automatically, just can accomplish transaction.
Though aforesaid mode of doing business can be reached the inconvenience of exempting to carry cash; But when transaction; Because credit card etc. is small-sized electron storage medium,, also cause the huge bad debt of swiping the card of each big bank to eliminate indirectly so can't avoid the negative effect of usurping fully for others; For businessman, also can't fully only judge by signature on the card whether the consumer is former cardholder; Because it is hard to guard against to steal the brush situation, for such incident, the holder also can only careful on one's own account attention in order to avoid cause great loss.
In addition, at present each big RCC radio common carriers borrowing that mobile phone popularizes just, and go out a mobile banking to the WAP mobile phone development; Can directly utilize the surfing Internet with cell phone shopping, and pay the bill, but such mode of payment is no doubt convenient through the mobile phone bill or through credit card; But only be confined to the particular network commodity consumption, this consumption mode is not sufficient to attract consumption for most of people, and therefore industry has the REID with RFID to be incorporated into the practice on the wafer on the mobile phone at present; Through being stored in the amount of money in the wafer, when checking out, needing only and to deduct in the remaining sum by wafer through induction mode; Combine the iPhone mobile phone like U.S. Startbuck stored value card, the cellphone subscriber needs only the down load application formula, can be directly from mobile phones enquiring remaining sum, value added payment; Japanese NTT DoCoMo then took the lead in releasing the service of stored value card mobile phone " i-mode FeliCa " in 2004, mobile phone application contains popular communications and transportation, shop small amount payment and warm drink vending machine to be used, again; In China; China Mobile, China Telecom and CHINAUNICOM release the RF-SIM service one after another, integrate through RFID label and SIM, to change the not mode of the number of changing of card; Realize the payment function of mobile phone, provide the consumer more to consume selection.Though yet it is convenient to conclude the business, when the user must undertake lost mobile phone, the excessive risk of being usurped, both parties all have the dependence of pair hardware/software simultaneously, and range of application is restricted naturally.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of immediate payment method of servicing that utilizes communication apparatus, increasing transaction payment convenience, and keeps the security of transaction.
For reaching above-mentioned purpose, the immediate payment method of servicing of a kind of communication apparatus of the present invention when being used for the consumption of shopping end, may further comprise the steps:
On the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
The commodity that the consumer bought when the shopping end is checked out, can be held set communication apparatus through consumer's mobile communication equipment or shopping, confirm the fact of buying to above-mentioned immediate payment service platform;
The immediate payment service platform is at first differentiated the words number of the set communication apparatus of consumer's mobile communication equipment or shopping end; If consumer's mobile communication equipment words number; Then carry out steps d, f, if set communication apparatus words of shopping end number are then carried out step e, f;
The consumer dials into the immediate payment service platform and imports consumer message through mobile communication equipment, after the confirmation of immediate payment service platform, calls to the set communication apparatus of shopping end again, authorizes this shopping to hold the processing of checking out;
The shopping end dials into the immediate payment service platform through set communication apparatus; And the input consumer message, after the confirmation of immediate payment service platform, obtain the mandate of this immediate payment service platform after; Check out again processing and synchronization notice immediate payment service platform; And
This consumption amount of money is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold.
During enforcement, this immediate payment service platform comprises the robotization processing or handles above-mentioned flow process through the contact staff.
During enforcement, this consumer comprises consumer's identification data, the consumption amount of money and shop code/words number through consumer message that mobile communication equipment is imported, and this shopping is held the consumer message of importing to comprise and consumed the amount of money and consumer's pay code.
During enforcement, more comprise the identity validation step between this immediate payment service platform and the consumer.
During enforcement, in step e, when this immediate payment service platform is received this shopping end through set communication apparatus dialing notice, after the mobile communication equipment words of promptly dialing the consumer number are confirmed the identification data with the consumer, just authorize shopping to hold the processing of checking out.
During enforcement, this immediate payment service platform receives shopping end and checks out after the message of handling, and can send shopping through the news in brief mode and accomplish the mobile communication equipment of message to the consumer.
Again, when the consumer was used for the consumption of non-shopping end, it may further comprise the steps:
On the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
The consumer dials into the immediate payment service platform and imports consumer message through a communication apparatus;
The immediate payment service platform is checked the identification data of building the consumer who places the immediate payment service platform, errorless after, authorize the processing of checking out again;
This pen amount of money of checking out is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold.
During enforcement, this consumer comprises consumer's identification data, the consumption amount of money and consumes code through consumer message that communication apparatus is imported, and this consumption code comprises machine-operated codes such as gas expense, telephone charge, charges for water and electricity.
During enforcement, this immediate payment service platform comprises the robotization processing or handles above-mentioned flow process through the contact staff.
During enforcement, this communication apparatus comprises wire telephony and wireless telephony communication.
Compared with prior art, the immediate payment method of servicing that utilizes communication apparatus of the present invention can increase transaction payment convenience, and keeps the security of transaction.
Description of drawings
Fig. 1 is the flow chart of steps of the embodiment of the invention;
Fig. 2 is the configuration diagram of the embodiment of the invention;
Flow chart of steps when Fig. 3 is applied to non-shopping end for the embodiment of the invention.
Description of reference numerals: 1-mobile communication equipment; 2-immediate payment service platform; The 3-end of doing shopping; Step a-establishes consumer's identification data on the immediate payment service platform that the Communications service dealer is provided; The commodity that step b-consumer is bought when the shopping end is checked out, can be held set communication apparatus through consumer's mobile communication equipment or shopping, confirm the fact of buying to above-mentioned immediate payment service platform; Step c-immediate payment service platform is at first differentiated the words number of the set communication apparatus of consumer's mobile communication equipment or shopping end; If consumer's mobile communication equipment words number; Then carry out steps d, f, if set communication apparatus words of shopping end number are then carried out step e, f; Steps d-consumer dials into the immediate payment service platform and imports consumer message through mobile communication equipment, after the confirmation of immediate payment service platform, calls to the set communication apparatus of shopping end again, authorizes this shopping to hold the processing of checking out; Step e-shopping end dials into the immediate payment service platform through set communication apparatus; And the input consumer message, after the confirmation of immediate payment service platform, obtain the mandate of this immediate payment service platform after; Check out again processing and synchronization notice immediate payment service platform; This consumption amount of money of step f-is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold; Steps A-on the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data; Step B-consumer dials into the immediate payment service platform and imports consumer message through a communication apparatus; Step C-immediate payment service platform is checked the identification data of building the consumer who places the immediate payment service platform, errorless after, authorize the processing of checking out again; This pen of step D-amount of money of checking out is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold.
Embodiment
See also Fig. 1, Fig. 2, graphic content is an embodiment of the immediate payment method of servicing of communication apparatus of the present invention.
The immediate payment method of communication apparatus of the present invention mainly may further comprise the steps:
On the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
The commodity that the consumer bought when the shopping end is checked out, can be held set communication apparatus through consumer's mobile communication equipment or shopping, confirm the fact of buying to above-mentioned immediate payment service platform;
The immediate payment service platform is at first differentiated the words number of the set communication apparatus of consumer's mobile communication equipment or shopping end; If consumer's mobile communication equipment words number; Then carry out steps d, f, if set communication apparatus words of shopping end number are then carried out step e, f;
The consumer dials into the immediate payment service platform and imports consumer message through mobile communication equipment, after the confirmation of immediate payment service platform, calls to the set communication apparatus of shopping end again, authorizes this shopping to hold the processing of checking out;
The shopping end dials into the immediate payment service platform through set communication apparatus; And the input consumer message, after the confirmation of immediate payment service platform, obtain the mandate of this immediate payment service platform after; Check out again processing and synchronization notice immediate payment service platform; And
This consumption amount of money is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold.
During actual enforcement; If the consumer uses be A Communications service dealer provided immediate payment service platform 2 time; This consumer can set up pay code and identification data on this immediate payment service platform 2; Pay code can be moving of A Communications service dealer or fixed network (containing IN) words number when the fixed network words number then need state clearly payment in addition (if used mobile words number); Therefore; When the consumer checked out after entity passageways such as shop, sales field or department store shopping end 3 is consumed, the consumer can dial the immediate payment service platform 2 that mobile communication equipment 1 to A telecommunications dealer is provided, and comprised that (like voice or button input) handled in robotization or through modes such as switching contact staff through this immediate payment service platform 2; Input comprises consumer messages such as identification data, the consumption amount of money and shop code; And after this immediate payment service platform 2 receives this consumer message, confirm identification data that the consumer provides whether be based upon immediate payment service platform 2 in the identification data conform to, after 2 confirmation of immediate payment service platform; Immediate payment service platform 2 is called to the set communication apparatus of shopping end 3 again, authorizes this shopping to hold 3 processing of checking out.
Therefore; After shopping end 3 receives the mandate of immediate payment service platform 2; Can carry out follow-up as packing, open invoice or receipt supervisor, and the consumer need not the on-site payment expense, can accomplish shopping; And this pen consumption amount of money, the consumer can pay in or withhold in completion in the future with modes such as Communications service bill (comprise mobile, local telephone network, new local telephone network (NGN/IMS), 070, and intelligent special sign indicating number etc.), stored value card, bank transfer, payment with credit card and get final product through the immediate payment service platform.
In addition; The step of the immediate payment method of above-mentioned communication apparatus also can be accomplished with the mode of immediate payment service platform 2 by 3 dialing of shopping end earlier, and when the consumer checked out after entity passageways such as shop, sales field or department store shopping end 3 is consumed, shopping end 3 can dial into immediate payment service platform 2 through set communication apparatus; And consumer messages such as the input consumption amount of money and consumer's pay code; And this immediate payment service platform 2 receive this shopping end 3 when importing consumer message, promptly dial into consumer's mobile communication equipment 1 according to pay code, confirm the identification data with the consumer after; Just authorize shopping end 3 processing of checking out; Identical ground after shopping end 3 receives the mandate of immediate payment service platform 2, can carry out follow-up as packing, open invoice or receipt supervisor; And the consumer need not the on-site payment expense; Can accomplish shopping, and this pen consumption amount of money, the consumer can accomplish to pay in or withhold in the future with modes such as Communications service bill, stored value card, bank transfer, payment with credit card and get final product through immediate payment service platform 2.
In addition; This immediate payment service platform 2 receives shopping end 3 and checks out after the message of handling; Also can send shopping and accomplish the mobile communication equipment 1 of message, supply consumer's reference, and reach to reduce and suffer the risk that non-consumer is usurped to the consumer through the news in brief mode.
By this; Utilize the design of the immediate payment method of communication apparatus through the present invention; The consumer be the mobile communication equipment of carrying 1 capable of using everywhither shopping such as entity shop end 3 consume, the immediate payment service platform 2 that provides through the Communications service dealer is accomplished and the consumption formality of the end 3 of doing shopping, and the consumption amount of money is treated to pay in or withhold through modes such as bill, account transfers in the future to get final product; For the consumer; Need not to carry cash can do shopping, and not only has the function of approximate credit card equally, need not again to worry that credit card suffers to steal brush or loses equivalent risk; And for the Communications service dealer; Only need provide an immediate payment service platform 2 as consumption processing and the Certificate Authority of consumer, can reach shopping service scope widely, and can significantly promote the Communications service market output value (comprise and move and fixed network) with shopping end 3.
In addition, see also Fig. 3, the present invention utilizes the immediate payment method of servicing of communication apparatus, also can supply the consumer to be used for non-shopping end consumption, and it may further comprise the steps:
On the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
The consumer dials into the immediate payment service platform and imports consumer message through a communication apparatus;
The immediate payment service platform is checked the identification data of building the consumer who places the immediate payment service platform, errorless after, authorize the processing of checking out again;
This pen amount of money of checking out is accomplished with modes such as Communications service bill, stored value card, bank transfer, payment with credit card through the immediate payment service platform and is paid in or withhold.
Wherein, This consumer comprises consumer's identification data, the consumption amount of money and consumption code through consumer message that communication apparatus is imported; And this consumption code comprises machine-operated codes such as gas expense, telephone charge, charges for water and electricity, network application service fee; This immediate payment service platform comprises the robotization processing or handles above-mentioned flow process through the contact staff that this communication apparatus comprises wire telephony and wireless telephony communication.
Therefore, the consumer equally can be through the immediate payment service platform when desiring to pay like gas expense, telephone charge, charges for water and electricity, network application service fee even tax revenue; Behind the input consumer message; After the immediate payment service platform is checked the identification data of building the consumer who places the immediate payment service platform, be errorless, can accomplish the action of paying the fees; Need not to go to the units of withholding such as bank, post office or convenience store, can easily accomplish and pay.
The above is specific embodiment of the present invention and the technological means used; Can derive according to the exposure of this paper or instruction and to derive many changes and correction; If the equivalence of doing according to conception of the present invention changes; When the effect that it produced does not exceed instructions and the graphic connotation of containing yet, all should be regarded as within technological category of the present invention, closing first Chen Ming.
According to the content that preceding text disclosed, the present invention really can reach the intended purposes of invention, and a kind of immediate payment method of utilizing communication apparatus is provided, and has industry utilization and practical value undoubtedly, proposes application for a patent for invention in accordance with the law.
Claims (10)
1. an immediate payment method of servicing that utilizes communication apparatus supplies the consumer to be used for the consumption of shopping end, it is characterized in that it may further comprise the steps:
A, on the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
The commodity that b, consumer bought when the shopping end is checked out, are held set communication apparatus through consumer's mobile communication equipment or shopping, confirm the fact of buying to described immediate payment service platform;
C, immediate payment service platform are at first differentiated the words number of the set communication apparatus of consumer's mobile communication equipment or shopping end; If consumer's mobile communication equipment words number; Then carry out steps d, f, if set communication apparatus words of shopping end number are then carried out step e, f;
D, consumer dial into the immediate payment service platform and import consumer message through mobile communication equipment, after the confirmation of immediate payment service platform, call to the set communication apparatus of shopping end again, authorize this shopping to hold the processing of checking out;
E, shopping end dial into the immediate payment service platform through set communication apparatus; And the input consumer message, after the confirmation of immediate payment service platform, obtain the mandate of this immediate payment service platform after; Check out again processing and synchronization notice immediate payment service platform; And
F, this consumption amount of money are accomplished with Communications service bill, stored value card, bank transfer or payment with credit card mode through the immediate payment service platform and are paid in or withhold.
2. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 1 is characterized in that, this immediate payment service platform comprises the robotization processing or handles above-mentioned flow process through the contact staff.
3. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 1; It is characterized in that; This consumer comprises consumer's identification data, the consumption amount of money and shop code through consumer message that mobile communication equipment is imported, and this shopping is held the consumer message of importing to comprise and consumed the amount of money and consumer's pay code.
4. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 1 is characterized in that, more comprises the identity validation step between this immediate payment service platform and the consumer.
5. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 1; It is characterized in that; In step e; When this immediate payment service platform is received this shopping end through set communication apparatus dialing notice, after the consumer's that promptly dials mobile communication equipment words number are confirmed the identification data with the consumer, just authorize shopping to hold the processing of checking out.
6. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 1; It is characterized in that; This immediate payment service platform receives shopping end and checks out after the message of handling, and sends shopping through the news in brief mode and accomplishes the mobile communication equipment of message to the consumer.
7. an immediate payment method of servicing that utilizes communication apparatus supplies the consumer to be used for non-shopping end consumption, it is characterized in that it may further comprise the steps:
A, on the immediate payment service platform that the Communications service dealer is provided, establish consumer's identification data;
B, consumer dial into the immediate payment service platform and import consumer message through a communication apparatus;
C, immediate payment service platform are checked the identification data of building the consumer who places the immediate payment service platform, errorless after, authorize the processing of checking out again;
D, this pen amount of money of checking out is accomplished with Communications service bill, stored value card, bank transfer or payment with credit card through the immediate payment service platform and is paid in or withhold.
8. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 7; It is characterized in that; This consumer comprises consumer's identification data, the consumption amount of money and consumes code through consumer message that communication apparatus is imported, and this consumption code comprises gas expense, telephone charge, charges for water and electricity and network application service fee.
9. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 7 is characterized in that, this immediate payment service platform comprises the robotization processing or handles above-mentioned flow process through the contact staff.
10. the immediate payment method of servicing that utilizes communication apparatus as claimed in claim 7 is characterized in that this communication apparatus comprises wire telephony and wireless telephony communication.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102366211A CN102339431A (en) | 2010-07-22 | 2010-07-22 | Immediate payment service method using communication equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010102366211A CN102339431A (en) | 2010-07-22 | 2010-07-22 | Immediate payment service method using communication equipment |
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| CN102339431A true CN102339431A (en) | 2012-02-01 |
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| CN2010102366211A Pending CN102339431A (en) | 2010-07-22 | 2010-07-22 | Immediate payment service method using communication equipment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102637328A (en) * | 2012-03-27 | 2012-08-15 | 潘晓亮 | Self-service checkout system and method for commodities in supermarket |
| WO2015081899A1 (en) * | 2013-12-08 | 2015-06-11 | 叶茂 | Digital token system for physical medium digitalization and physical store optimization |
-
2010
- 2010-07-22 CN CN2010102366211A patent/CN102339431A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102637328A (en) * | 2012-03-27 | 2012-08-15 | 潘晓亮 | Self-service checkout system and method for commodities in supermarket |
| WO2015081899A1 (en) * | 2013-12-08 | 2015-06-11 | 叶茂 | Digital token system for physical medium digitalization and physical store optimization |
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Application publication date: 20120201 |