CN102486885A - Mobile payment consumption system and payment and recharge method - Google Patents
Mobile payment consumption system and payment and recharge method Download PDFInfo
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- CN102486885A CN102486885A CN2010105684288A CN201010568428A CN102486885A CN 102486885 A CN102486885 A CN 102486885A CN 2010105684288 A CN2010105684288 A CN 2010105684288A CN 201010568428 A CN201010568428 A CN 201010568428A CN 102486885 A CN102486885 A CN 102486885A
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Abstract
The invention relates to a mobile payment consumption system and a payment and recharge method. The mobile payment consumption system comprises a radio frequency mobile terminal, a payment server-side and a radio frequency recharge terminal, wherein the radio frequency mobile terminal sends payment requests to the payment server-side in a radio frequency mode or a mobile communication network mode and receives payment information from the payment server-side; the radio frequency mobile terminal sends the payment information to the radio frequency recharge terminal in a radio frequency mode; and the radio frequency recharge terminal carries out recharge according to the received recharge information. The radio frequency mobile terminal is used for replacing the traditional integrated circuit (IC) card, so users can more conveniently carry out payment and recharge, the trouble caused by excessive quantity and management inconvenience caused by specific purposes of the traditional IC cards is avoided, the users can carry out payment in a mobile communication network mode without going to sites for payment at each time, the payment by the users is convenient, in addition, the payment can be realized in 24 hours, and great convenience is brought for the life of the users.
Description
Technical field
The present invention relates to radio-frequency technique, be specifically related to a kind of mobile payment consume system that adopts radio-frequency technique and utilize paying the fees and recharge method of this mobile payment consume system.
Background technology
Water meter, ammeter, gas meter are known by more domestic consumer, along with the development of technology, the novel water power gas meter that can supplement with money with IC-card occurred.The user of existing this water power gas meter, water meter, ammeter, gas meter can be furnished with IC-card respectively, and the user need go associated mechanisms such as bank to set the user profile of the water power gas meter in the IC-card in advance.The user holds IC-card and goes to the mechanism that pays the fees such as bank to pay the fees, and after returning IC-card is inserted in the corresponding water power gas meter, and the water power gas meter can read the water yield, electric weight or the tolerance of having paid the fees from IC-card, realizes supplementing with money function.This water power gas meter has been realized using after the pre-payment, and has made things convenient for the management of water, electricity and gas department.But this pay charge way is enough not convenient concerning the user; All need go to mechanisms such as bank to pay the fees such as the user at every turn and supplement with money etc.; And the water power gas meter is equipped with different IC-cards respectively, and the user gos out and is easy to leave behind card or tape error card, thereby possibly make troubles to life.
Since the seventies in 20th century, first generation analog mobile communication system emerged, mobile communication technology is fast development fast always, and wherein portable terminal has also had very great development such as mobile phone thereupon.Present most of mobile phone all is the smart mobile phone with multiple application function, becomes an integrated information processing platform from a simple conversation instrument.Utilize mobile communications network and STK cell phone softwares such as (SIM TOOL KIT, user identification application development instruments), present portable terminal can be realized the application function that stock exchange, stored value card, mobile banking etc. are abundant.The mobile payment usual way is mobile banking and stored value card.Based on mobile communications network, the realization of mobile banking technology is from the STK short message way that begins most; To WAP (Wireless Application Protocol, WAP) mode, based on USSD (Unstructured Supplementary Service Data, the unstructured supplementary data traffic of signalling path; Be a kind of novel interactive mobile data services) mode; Again to KJava (be J2ME, Java 2 Micro Edition are the JAVA software that is specifically designed to embedded device), BREW (Binary Runtime Environment for Wireless; Vedio on radio binary operation environment; Be a kind of wireless function environment based on cdma network) mode, take can realize bank transaction after certain service security measure, mainly can realize inquiring about bill, remaining sum; Between different Bank Account Numbers, realize transferring accounts, function such as bill payment business, realization be remote transaction.Stored value card is mainly used in the small amount payment field, and through cash, mode such as transfer accounts was put into electronic cash in the stored value card in the past, through the POS machine, realizes portable terminal brush mass transit card, functions such as subway, realization be as seen.No matter being cell phone softwares such as mobile banking or stored value card, all is to realize using through the function software menu, need not edit SMS messaging, greatly facilitates everybody life.
Summary of the invention
Technical matters to be solved by this invention provides a kind of mobile payment consume system that utilizes radio-frequency technique, utilizes emerging radio-frequency technique to realize the payment consumption of water, electricity and gas expense and other fees.
The technical scheme that the present invention solves the problems of the technologies described above is following: a kind of mobile payment consume system comprises that radio frequency portable terminal, paying service end and radio frequency supplement the terminal with money; Said radio frequency portable terminal sends the request of paying the fees and takes over charge information from the paying service termination to the paying service end through RF-wise or mobile communications network mode; Said radio frequency portable terminal is supplemented terminal through RF-wise to radio frequency according to the said information of paying the fees and is sent charging information; Said radio frequency is supplemented the terminal with money and is carried out self supplementing with money according to the charging information that receives.
The invention has the beneficial effects as follows: utilize the radio frequency portable terminal to substitute traditional I C card; Realize and the communicating by letter of paying service end through RF-wise or mobile communications network mode; And realize supplementing communication between terminals with money through RF-wise with radio frequency, make the user pay the fees and supplement with money more convenient; Utilize the radio frequency portable terminal to realize multiple type of consumption simultaneously, also avoided traditional IC-card specially to block the trouble that quantity is too much, inconvenience is managed that special use brings; Utilize the mobile communications network mode to carry out long-range paying the fees makes the user all will arrive the scene to pay the fees, made things convenient for subscriber payment, and can realize at any time in 24 hours paying the fees, bring great convenience to life at every turn.
On the basis of technique scheme, the present invention can also do following improvement.
Further; Said mobile communications network mode is STK short message way or WAP mode; Said radio frequency portable terminal is through STK short message way or WAP mode, realizes that said mobile communications network mode sends the request of paying the fees and take over charge information from the paying service termination to the paying service end; The user realizes remote transaction through operation STK menu or WAP browser, utilizes mobile communications network and mobile banking to handle the associated bank business.
Adopt the beneficial effect of above-mentioned further scheme to be, the user need not use set form to carry out the transmission of note as common SMS messaging mode, only can conclude the business through operation STK menu or WAP browser, has made things convenient for user's operation.
Further, said paying service end comprises first radio-frequency card reader, service terminal equipment and the background server that is electrically connected in order; Said first radio-frequency card reader and said radio frequency portable terminal carry out radio communication, and communicate with service terminal equipment, like serial communication, adopt 485/232 serial ports; Said background server is used to preserve and manage the user profile of using said radio frequency mobile phone users, and communicates with service terminal equipment; Said background server receives the request of paying the fees and sends the information of paying the fees according to this request of paying the fees and said user profile to said radio frequency portable terminal from said radio frequency portable terminal through the said service terminal equipment and first radio-frequency card reader.
Adopt the beneficial effect of above-mentioned further scheme to be, realized the function that RF-wise is paid the fees.
Further, said paying service end comprises the background server of preserving and managing the user profile of using said radio frequency mobile phone users; Said radio frequency portable terminal sends the request of paying the fees through the mobile communications network mode to said background server; Said background server sends pay the fees information through the mobile communications network mode to said radio frequency portable terminal according to this request of paying the fees and said user profile.
Adopt the beneficial effect of above-mentioned further scheme to be, realized long-range function of paying the fees.
Further, the radio-frequency module card that said radio frequency portable terminal comprises portable terminal and is electrically connected with it, said portable terminal utilize said radio-frequency module card to supplement the terminal with money with said paying service end and radio frequency respectively to carry out radio communication.
Adopt the beneficial effect of above-mentioned further scheme to be, realized the separation between machine and card of radio frequency portable terminal, increased the compatibility of machine card, and after changing portable terminal, can not influence the function of system of the present invention.
Further, said portable terminal is mobile phone, PDA (Personal Digital Assistant, personal digital assistant, i.e. palm PC) or MP3 player.
Adopt the beneficial effect of above-mentioned further scheme to be; Realized the function of paying the fees on multiple portable terminal; And small and exquisite like size of mobile terminals such as mobile phone, PDA or MP3 players, be easy to carry, also expanded simultaneously the function of portable terminals such as conventional mobile phone, PDA or MP3 player.
Further, said radio-frequency module card is radio-frequency SIM card or radio frequency TF card.
Adopt the beneficial effect of above-mentioned further scheme to be, make the radio-frequency module card can select the radio-frequency card of different size, further enlarged the range of choice of portable terminal in the system of the present invention according to the portable terminal of distinct interface.
Further, said radio-frequency SIM card or radio frequency TF cartoon are crossed RF-wise and said paying service end and radio frequency and are supplemented the terminal with money and communicate.
Adopt the beneficial effect of above-mentioned further scheme to be, realized portable terminal pass through that RF-wise carries out pay the fees and supplement function with money.
Further, built-in STK software or WAP browser in said radio-frequency SIM card or the radio frequency TF card, said portable terminal utilize said STK software or WAP browser to communicate through said mobile communications network mode and said paying service end.
Adopt the beneficial effect of above-mentioned further scheme to be, the user need not use set form to carry out the transmission of note as common SMS messaging mode, only utilizes STK software or WAP browser to conclude the business, and has made things convenient for user's operation.
Further; Said radio frequency is supplemented the terminal with money and is comprised second radio-frequency card reader of supplementing the terminal with money and being electrically connected with it, and said second radio-frequency card reader is used for carrying out radio communication with said radio frequency portable terminal, and communicates with the said terminal of supplementing with money; Like serial communication, adopt 485/232 serial ports; Said radio frequency portable terminal sends charging information through RF-wise to said second radio-frequency card reader; Said second radio-frequency card reader sends the charging information that receives to the said terminal of supplementing with money, and the said terminal of supplementing with money carries out self supplementing with money according to the charging information that receives.
Adopt the beneficial effect of above-mentioned further scheme to be, thereby realize that radio frequency supplements the radio communication of terminal and radio frequency portable terminal with money and supplement with money.
Further, the said terminal of supplementing with money is water meter and/or ammeter and/or gas meter.
Adopt the beneficial effect of above-mentioned further scheme to be; Realized that the radio frequency of water meter, ammeter and gas meter supplements function with money; The user needn't use the plug-in card mode of traditional I C card to buy and supplement with money, utilizes the radio frequency portable terminal of carrying can realize buying and supplementing with money function easily, can realize three engagings one that water, electricity and gas is supplemented with money simultaneously; Utilizing does not have the contactless operation of card, makes life convenient and quick.
Further, said rf frequency is 2.4 GHz.
Adopt the beneficial effect of above-mentioned further scheme to be, usable range is big, antijamming capability is strong.
Utilize above-mentioned mobile payment consume system, the present invention also provides a kind of mobile fee payment method, comprises the steps:
Step 1: radio frequency portable terminal and paying service end connect;
Step 2: the radio frequency portable terminal sends to the paying service end with the user profile of radio frequency mobile phone users;
Step 3: the paying service end is checked user profile and is pointed out the user to select the kind of paying the fees;
Step 4: the user imports the kind of paying the fees;
Step 5: the paying service termination is taken over the expense kind of information, and the prompting user imports the amount of paying the fees;
Step 6: the user imports the amount of paying the fees;
Step 7: the paying service termination is taken over the expense amount, and prompting subscriber payment mode;
Step 8: the user confirms pay charge way and pays the fees, and paying service end write down and will pay the fees kind, the amount of paying the fees sends said radio frequency portable terminal to.
Further, in the said step 1, radio frequency portable terminal and paying service end connect through RF-wise or mobile communications network mode.
Further, when adopting RF-wise, said pay charge way is for paying the fees through the stored value card of cash, bank card or said radio frequency portable terminal.
Further, when adopting the mobile communications network formula, said pay charge way is for to pay the fees through the mobile banking based on STK software or WAP browser.
Further, the said kind of paying the fees is water rate, the electricity charge or combustion gas expense.
Further, also comprise after the said step 8 and finish to pay the fees and break off step of connecting between radio frequency portable terminal and the paying service end.
Utilize above-mentioned mobile payment consume system, the present invention also provides a kind of mobile recharge method simultaneously, comprises the steps:
Step 1 ': radio frequency portable terminal and radio frequency are supplemented the terminal with money and are connected;
Step 2 ': the radio frequency portable terminal is supplemented the terminal with money to radio frequency and is sent user profile and supplement kind with money, radio frequency supplement with money the terminal to user profile with supplement kind with money and confirm;
Step 3 ': after the affirmation, the radio frequency portable terminal is supplemented the terminal transmission with money to radio frequency and is supplemented amount with money, and said radio frequency is supplemented the terminal with money and carried out self supplementing with money according to the amount of supplementing with money that receives.
Further, said step 1 ' in, radio frequency portable terminal and radio frequency are supplemented the terminal with money and are connected through RF-wise.
Further, said step 3 ' also comprise afterwards and finish to supplement with money and break off the radio frequency portable terminal and radio frequency is supplemented step of connecting between the terminal with money.
Adopt above-mentioned mobile fee payment method and mobile recharge method, utilize above-mentioned mobile payment consume system, can realize very easily paying the fees and supplementing with money.
Description of drawings
Fig. 1 is the first embodiment synoptic diagram of mobile payment consume system of the present invention;
Fig. 2 is the second embodiment synoptic diagram of mobile payment consume system of the present invention.
In the accompanying drawing, the list of parts of each label representative is following:
1, radio frequency portable terminal, 2, the paying service end, 3, radio frequency supplements the terminal with money, 11, the radio-frequency module card, 21, first radio-frequency card reader, 22, service terminal equipment, 23, background server, 31, second radio-frequency card reader.
Embodiment
Below in conjunction with accompanying drawing principle of the present invention and characteristic are described, institute gives an actual example and only is used to explain the present invention, is not to be used to limit scope of the present invention.
Fig. 1, Fig. 2 are for adopting the mobile payment consume system based on the 2.4GHz radio-frequency technique; This system is with three engagings one of water, electricity and gas card; All be integrated on the 2.4GHz radio-frequency SIM card, pay the fees and to be with IC-card, as long as hold the portable terminal that the 2.4GHz radio-frequency SIM card is housed; Can pay the fees whenever and wherever possible, meet very much the development trend of present convenient life.
The Subscriber Identity Model that mobile communication technology is used is called for short SIM, is widely used as the customer identification device of mobile communication terminal.And nowadays the 2.4GHz radio-frequency technique has become the main flow transmission technology of wireless product.2.4GHz be the radio band that the whole world discloses general use, in this frequency range, can obtain bigger usable range and stronger antijamming capability.2.4GHz radio-frequency SIM card be on the basis of original SIM integrated radio circuit, success radio-frequency technique and SIM technology are combined broken through non-contacting technological difficulties.Employed 2.4GHz radio-frequency SIM card among the present invention, employing application number are 200710124354.7 Chinese invention patent.2.4GHz the integrated circuit in the radio-frequency SIM card comprises the integrated circuit and the interface of central processor CPU, radio-frequency module, safety certification and enciphering algorithm module, storer and common SIM.The interface circuit of common SIM module is standard compliant 8 pins on the card, and through these pins, the 2.4GHz radio-frequency SIM card can communicate with mobile phone, realizes the function of traditional SIM.Radio-frequency module comprises RF transmit-receive circuit, radio-frequency module antenna, radio frequency storer etc.Through RF transmit-receive circuit and radio-frequency antenna, the 2.4GHz radio-frequency SIM card can carry out short-range communication with the 2.4GHz radio-frequency card reader in the external world.2.4GHz radio-frequency SIM card and communications of Mobile Terminals; And all realize by the central processor CPU module with the concrete realization of communicating by letter of 2.4GHz radio-frequency card reader; Simultaneously the CPU module through safety certification and enciphering algorithm module can guarantee the communications security of 2.4GHz radio-frequency SIM card and the security of mobile subscriber's personal information.
STK function a kind of new function appearred, on the SIM now.STK is SIM TOOL KIT, is an application toolkit on the SIM, is the value-added service order of operator's exploitation, can realize application such as mobile banking, stock exchange, stored value card, financing secretary.The STK merit of SIM realizes sending note through clicking menu, and then realizes application function such as mobile banking.The STK function is the windowed of SMS messaging, and a kind of application of image conversion can let life more convenient.Use the STK function, mobile phone also need be installed the cell phone software of supporting the STK function.Present most smart mobile phone all has relevant cell phone software.Go at last the mobile communication business hall to open this business service, just can use relevant STK professional.
As shown in Figure 1, as first embodiment of mobile payment consume system of the present invention, comprise that radio frequency portable terminal 1, paying service end 2 and radio frequency supplement terminal 3 with money; Wherein the radio frequency portable terminal comprises portable terminal and is arranged at radio-frequency module card 11 wherein; Paying service end 2 comprises first radio-frequency card reader 21, service terminal equipment 22 and background server 23; Wherein background server 23 is used to preserve and manage the user profile of using said radio frequency mobile phone users; First radio-frequency card reader 21 is connected on the service terminal equipment 22 through 485/232 serial ports, and service terminal equipment 22 is connected the line data exchange of going forward side by side through the TCP/IP network with background server 23; Radio frequency is supplemented terminal 3 with money and is comprised and supplement terminal and second radio-frequency card reader 31 that is arranged in it with money.Radio frequency portable terminal 1 through radio-frequency module card 11 respectively with paying service end 2 in first radio-frequency card reader 21 and radio frequency second radio-frequency card reader 31 of supplementing with money in the terminal 3 carry out radio communication.
Utilize mobile payment consume system shown in Figure 1, comprise and pay the fees and supplement the two large divisions with money that its step idiographic flow is following.
The step of paying the fees comprises:
Step 1, user are with first radio-frequency card reader 21 of radio frequency portable terminal 1 near paying service end 2, and radio frequency portable terminal 1 is set up radio frequency with paying service end 2 and is connected;
Step 2, radio frequency portable terminal 1 send to paying service end 2 with the user profile of radio frequency mobile phone users, and in the paying service end 2, user profile is sent to background server 23 through first radio-frequency card reader 21, service terminal equipment 22 respectively;
The background server 23 of step 3, paying service end 2 check user profile correct after, 22 prompting users select to pay the fees kind through service terminal equipment;
Step 4, user import the kind of paying the fees, and the service terminal equipment 22 in the paying service end 2 receives pays the fees kind of information and send background server 23 to;
After step 5, background server 23 were received the kind of information of paying the fees, 22 prompting users imported the amount of paying the fees through service terminal equipment;
Step 6, the user input amount of paying the fees, the service terminal equipment 22 amount information of will paying the fees sends background server 23 to;
After step 7, background server 23 were received the amount information of paying the fees, 22 prompting users imported pay charge way through service terminal equipment, like the stored value card of cash, bank card or radio frequency portable terminal 1;
Step 8, user select pay charge way, and pay the fees through service terminal equipment 22, if select the bank card mode to pay the fees, have also comprised the step of input password and password check;
Step 10, first radio-frequency card reader 21 information such as kind, the amount of paying the fees of will paying the fees send to radio frequency portable terminal 1 through RF-wise; The radio frequency portable terminal information such as kind, the amount of paying the fees of will paying the fees are preserved, and return success information to first radio-frequency card reader 21;
In the step 7, if the user uses bank card or cash, can bank card or cash be put into relevant inlet and realize paying the fees function according to prompting, this pay charge way is very common in real life, no longer sets forth here.
Supplementing step with money comprises:
Step 1 ', near second radio-frequency card reader 31 of supplementing terminal 3 with money, supplement with money and set up radio frequency between the terminal 3 and be connected by radio frequency portable terminal 1 and radio frequency with radio frequency portable terminal 1 for the user;
Step 2 ', radio frequency portable terminal 1 supplements terminal 3 through second radio-frequency card reader 31 with money to radio frequency and sends user profile, the kind of the paying the fees information such as amount of paying the fees; 31 pairs of user profile of second radio-frequency card reader are checked with the kind of paying the fees, and second radio-frequency card reader 31 amount of will paying the fees in correct back sends to and supplements the terminal with money;
Step 3 ', receive consumption the amount of money after, supplement the terminal with money and carry out supplementing with money of self;
Step 4 ', after the successful recharging, supplement the terminal with money and return the renewal result, the user see upgrade the result after, take from radio frequency portable terminal 1, break off the connection between the radio frequency portable terminal 1 and second radio-frequency card reader 31, supplement completion with money.
As specific embodiment, mobile payment consume system shown in Figure 1 and above-mentioned is paid the fees and is supplemented with money in the step, and portable terminal can be selected small and exquisite, the portable mobile terminal device of mobile phone, PDA or MP3 player equal-volume for use; Radio-frequency module card 11 in the radio frequency portable terminal 1 can be selected radio-frequency SIM card or radio frequency TF card (utilizing their radio-frequency enabled and paying service end 2 to carry out radio communication) as required; The service terminal equipment 22 of paying service end 2 is bank self-help service terminal or similar equipment, and first radio-frequency card reader 21 is exactly the access device of similar POS machine; Supplement the terminal with money and can be water meter, ammeter or gas meter, second radio-frequency card reader 31 is as the access device between water meter, ammeter or gas meter and the radio frequency portable terminal, thereby alternative existing IC-card plug-in card is supplemented pattern with money; Adopt the 2.4GHz radiofrequency signal, antijamming capability is strong, and the scope of application is wider, and compatibility is better.Radio-frequency module card 11 has memory function, can store the customer data about water rate, the electricity charge and gas expense etc. simultaneously, therefore can realize the function of multi-use card, only can realize paying the fees of multiple expense through a radio frequency portable terminal 1.
As shown in Figure 2; As second embodiment of mobile payment consume system of the present invention, be that with the first embodiment difference radio-frequency module card 11 of second embodiment adopts radio-frequency SIM card or radio frequency TF card; The same 2.4GHz radiofrequency signal that adopts; Mainly utilize mobile phone as portable terminal, paying service end 2 has only comprised background server 23, and the user uses mobile phone to carry out alternately through mobile communications network and background server 23; For example can utilize STK short message way (the STK software on the radio-frequency SIM card; Utilize function menu wherein) or WAP mode (WAP browser) through mobile communications network and short message receiving-transmitting server, establish a communications link and exchanges data with background server 23, and the trading function of realization mobile phone.
In second embodiment shown in Figure 2, radio frequency portable terminal 1 and radio frequency supplement with money mutual between the terminal 3 still adopt structure that the RF-wise in first embodiment, radio frequency supplement terminal 3 with money also with first embodiment in radio frequency to supplement terminal 3 with money identical.Second embodiment supplement with money step and first embodiment to supplement step with money identical.
Because in second embodiment, the user uses mobile phone to carry out alternately through mobile communications network and background server 23, so step and first embodiment difference to some extent of paying the fees of second embodiment below is the subscriber payment step of employing STK short message way:
Step 1, user use radio frequency portable terminal 1, select the corresponding service menu of STK function, are equivalent to send comprise the STK class of business, and the SMS messaging A of the user profile and the information such as amount of paying the fees gives the short message receiving-transmitting server of mobile communication carrier;
Step 2, short message receiving-transmitting server are checked the STK class of business, and information such as the user profile among the SMS messaging A, the amount of paying the fees are transmitted to corresponding background server 23;
Step 3, background server 23 check user profile correct after, preserve the amount of paying the fees, return to the message that the short message receiving-transmitting server can be concluded the business;
Step 4, short message receiving-transmitting server are given radio frequency portable terminal 1 through the SMS messaging B that transmission contains this Transaction Information, so that the user confirms current transaction;
Step 5, user check Transaction Information errorless after, menu is confirmed, is equivalent to send SMS messaging C and gives the short message receiving-transmitting server, confirms this time to pay the fees transaction;
Step 6, short message receiving-transmitting server through user's radio-frequency SIM card based in the STK software mobile banking account, the amount of will paying the fees deduction, and carry out settlement of transactions with background server 23;
Step 7, background server 23 information of successful of will paying the fees is preserved, and approval is paid the fees specifically, replys and confirms to give the short message receiving-transmitting server;
Step 8, short message receiving-transmitting server send SMS messaging D and give radio frequency portable terminal 1, carry information such as the kind of paying the fees, the amount of paying the fees among the SMS messaging D;
After step 9, radio frequency portable terminal 1 are received SMS messaging D, read and revise the information of paying the fees of radio-frequency SIM card wherein and add the amount of paying the fees, and preserve current Transaction Information, closing the transaction.
Wherein, in the step 6, the amount of money in the deduction mobile banking account needs the associated server of mobile communication server and bank to do some traffic operations, and these operate in the real life and realize, no longer set forth here.After the closing the transaction, the user can check the information of paying the fees in the menu of paying the fees in the radio frequency portable terminal 1, and reaffirms whether current transaction is successful.
In second kind of embodiment; Adopt the process of exchange of WAP browser similar with above-mentioned employing STK short message way with content; But owing to adopt the network access of WAP browser; It is similar that its transaction form and computer expert cross the mode of doing business of internet, just on the form of expression, there are differences with the STK short message way.
Adopt second embodiment to carry out the payment of expenses such as water, electricity and gas, make the user all will go to bank to carry out at every turn, made things convenient for paying the fees of user, and can realize payment in 24 hours at any time, bring great convenience to life.
Above-mentioned payment consumption system also can be used for paying the fees of business such as mass transit card, DTV except substituting the payment that traditional IC-card mode realizes the water, electricity and gas expense.
The above is merely preferred embodiment of the present invention, and is in order to restriction the present invention, not all within spirit of the present invention and principle, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (21)
1. mobile payment consume system is characterized in that: comprise that radio frequency portable terminal, paying service end and radio frequency supplement the terminal with money; Said radio frequency portable terminal sends the request of paying the fees and takes over charge information from the paying service termination to the paying service end through RF-wise or mobile communications network mode; Said radio frequency portable terminal is supplemented terminal through RF-wise to radio frequency according to the said information of paying the fees and is sent charging information; Said radio frequency is supplemented the terminal with money and is carried out self supplementing with money according to the charging information that receives.
2. mobile payment consume system according to claim 1 is characterized in that: said mobile communications network mode is STK short message way or WAP mode.
3. mobile payment consume system according to claim 1 is characterized in that: said paying service end comprises first radio-frequency card reader, service terminal equipment and the background server that is electrically connected in order; Said first radio-frequency card reader and said radio frequency portable terminal carry out radio communication, and communicate with service terminal equipment; Said background server is used to preserve and manage the user profile of using said radio frequency mobile phone users, and communicates with service terminal equipment; Said background server receives the request of paying the fees and sends the information of paying the fees according to this request of paying the fees and said user profile to said radio frequency portable terminal from said radio frequency portable terminal through the said service terminal equipment and first radio-frequency card reader.
4. mobile payment consume system according to claim 1 is characterized in that: said paying service end comprises the background server of preserving and managing the user profile of using said radio frequency mobile phone users; Said radio frequency portable terminal sends the request of paying the fees through the mobile communications network mode to said background server; Said background server sends pay the fees information through the mobile communications network mode to said radio frequency portable terminal according to this request of paying the fees and said user profile.
5. mobile payment consume system according to claim 1; It is characterized in that: the radio-frequency module card that said radio frequency portable terminal comprises portable terminal and is electrically connected with it, said portable terminal utilize said radio-frequency module card to supplement the terminal with money with said paying service end and radio frequency respectively and communicate.
6. mobile payment consume system according to claim 5 is characterized in that: said portable terminal is mobile phone, PDA or MP3 player.
7. mobile payment consume system according to claim 5 is characterized in that: said radio-frequency module card is radio-frequency SIM card or radio frequency TF card.
8. mobile payment consume system according to claim 7 is characterized in that: said radio-frequency SIM card or radio frequency TF cartoon are crossed RF-wise and said paying service end and radio frequency and are supplemented the terminal with money and communicate.
9. mobile payment consume system according to claim 7; It is characterized in that: built-in STK software or WAP browser in said radio-frequency SIM card or the radio frequency TF card, said portable terminal utilize said STK software or WAP browser to communicate through said mobile communications network mode and said paying service end.
10. mobile payment consume system according to claim 1; It is characterized in that: said radio frequency is supplemented the terminal with money and is comprised second radio-frequency card reader of supplementing the terminal with money and being electrically connected with it; Said second radio-frequency card reader is used for carrying out radio communication with said radio frequency portable terminal, and communicates with the said terminal of supplementing with money; Said radio frequency portable terminal sends charging information through RF-wise to said second radio-frequency card reader; Said second radio-frequency card reader sends the charging information that receives to the said terminal of supplementing with money, and the said terminal of supplementing with money carries out self supplementing with money according to the charging information that receives.
11. mobile payment consume system according to claim 10 is characterized in that: the said terminal of supplementing with money is water meter and/or ammeter and/or gas meter.
12. according to each described mobile payment consume system of claim 1 to 11, it is characterized in that: said rf frequency is 2.4GHz.
13. a mobile fee payment method adopts each described mobile payment consume system of claim 1 to 12, concrete steps comprise:
Step 1: radio frequency portable terminal and paying service end connect;
Step 2: the radio frequency portable terminal sends to the paying service end with the user profile of radio frequency mobile phone users;
Step 3: the paying service end is checked user profile and is pointed out the user to select the kind of paying the fees;
Step 4: the user imports the kind of paying the fees;
Step 5: the paying service termination is taken over the expense kind of information, and the prompting user imports the amount of paying the fees;
Step 6: the user imports the amount of paying the fees;
Step 7: the paying service termination is taken over the expense amount, and prompting subscriber payment mode;
Step 8: the user confirms pay charge way and pays the fees, and paying service end write down and will pay the fees kind, the amount of paying the fees sends said radio frequency portable terminal to.
14. mobile fee payment method according to claim 13 is characterized in that: in the said step 1, radio frequency portable terminal and paying service end connect through RF-wise or mobile communications network mode.
15. mobile fee payment method according to claim 14 is characterized in that: when adopting RF-wise, said pay charge way is for paying the fees through the stored value card of cash, bank card or said radio frequency portable terminal.
16. mobile fee payment method according to claim 14 is characterized in that: when adopting the mobile communications network formula, said pay charge way is for to pay the fees through the mobile banking based on STK software or WAP browser.
17. mobile fee payment method according to claim 13 is characterized in that: the said kind of paying the fees is water rate, the electricity charge or combustion gas expense.
18., it is characterized in that: also comprise after the said step 8 and finish to pay the fees and break off step of connecting between radio frequency portable terminal and the paying service end according to each described mobile fee payment method of claim 13 to 17.
19. a mobile recharge method adopts each described mobile payment consume system of claim 1 to 12, concrete steps comprise:
Step 1 ': radio frequency portable terminal and radio frequency are supplemented the terminal with money and are connected;
Step 2 ': the radio frequency portable terminal is supplemented the terminal with money to radio frequency and is sent user profile and supplement kind with money, radio frequency supplement with money the terminal to user profile with supplement kind with money and confirm;
Step 3 ': after the affirmation, the radio frequency portable terminal is supplemented the terminal transmission with money to radio frequency and is supplemented amount with money, and said radio frequency is supplemented the terminal with money and carried out self supplementing with money according to the amount of supplementing with money that receives.
20. mobile recharge method according to claim 19 is characterized in that: said step 1 ' in, radio frequency portable terminal and radio frequency are supplemented the terminal with money and are connected through RF-wise.
21., it is characterized in that: said step 3 according to claim 19 or 20 described mobile recharge methods ' also comprise afterwards and finish to supplement with money and break off the radio frequency portable terminal and radio frequency is supplemented step of connecting between the terminal with money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2010105684288A CN102486885A (en) | 2010-12-01 | 2010-12-01 | Mobile payment consumption system and payment and recharge method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010105684288A CN102486885A (en) | 2010-12-01 | 2010-12-01 | Mobile payment consumption system and payment and recharge method |
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| CN102486885A true CN102486885A (en) | 2012-06-06 |
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| CN2010105684288A Pending CN102486885A (en) | 2010-12-01 | 2010-12-01 | Mobile payment consumption system and payment and recharge method |
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| CN (1) | CN102486885A (en) |
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Application publication date: 20120606 |