CN102542691B - Method for realizing bank card transaction between mobile phones in point-to-point way - Google Patents
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- CN102542691B CN102542691B CN201110458279.4A CN201110458279A CN102542691B CN 102542691 B CN102542691 B CN 102542691B CN 201110458279 A CN201110458279 A CN 201110458279A CN 102542691 B CN102542691 B CN 102542691B
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- 238000010295 mobile communication Methods 0.000 description 8
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Abstract
The invention discloses a method and system for realizing bank card transaction between mobile phones in a point-to-point way. The method comprises the following steps that: firstly, a consumption mobile phone sends transaction information and unique identification information stored in a mobile phone card to a transaction information switching server; the transaction information switching serverjudges and identifies the unique identification information, and if the unique identification information is accurate, the transaction information switching server converts the unique identification information into a mobile phone number and sends the mobile phone number and the transaction information to a bank withholding system; and the bank withholding system sends the transaction informationto a mobile phone of a merchant, and if the merchant confirms the transaction, the bank withholding system finds a bank card bound together with the mobile phone number to finish the withholding of the bank card and end the transaction. By using the method and system, operation for the transaction between the consumption mobile phone and the mobile phone of the merchant is directly carried out, so that a third-party platform is omitted, the operation steps of the transaction are simplified, and the transaction can be more rapidly finished.
Description
Technical field
The present invention relates to bank card transaction method and system, be specially the method and system of point-to-point realization bank card business dealing between a kind of mobile phone.
Background technology
Development along with the communication technology, especially the fast development of high-speed radiocommunication 3G, 4G technology, relatively traditional wire communication position is relatively fixing, and radio communication has advantages of flexibly, without space constraint, therefore uses radio communication can progressively replace the business that tradition uses wire communication to carry out.As: use at present that Web bank transfers accounts, shopping at network, the diverse network consumption such as supplement with money, pay the fees, have advantages of quick and easy although relatively pay in cash, but it must depend on computing machine, especially when bank settlement, also must use the authentication information such as digital certificate of banking recognition, therefore must carry computing machine and bank card digital certificate, otherwise also can't realize the transaction of Web bank.
Development along with mobile phone, the use mobile phone realizes that by the mode of radio communication the bank card payment embodies it " at any time; superiority everywhere ", realize now at present the dual mode that mainly contains of mobile-phone payment: the one, write in the mobile phone by magnetic track information or the required key information of bank transaction of custom-made mobile phone with bank card, by transmitting magnetic track information and key information to appointed bank, finish the transaction that is similar to bank card, in the method, used mobile phone must be the mobile phone that customizes with bank, disagree standby with the modern to mobile phone Extraordinary demand, this scheme often can only write the magnetic track information of a bank simultaneously, can not satisfy the demand that present user uses many banks to pay.The 2nd, deposit payment by the stored value card circle, this mode is that the user passes through rechargeable card, or the form of supplementing with money on the line directly supplements with money in cell-phone number, is that trade company carries out collection charges by mobile phone operators then, namely takes off expense from cell-phone number.This mode is so that mobile phone operators has super scope to manage the suspicion of financial business, and can't realize large amount payment (such as: China Mobile's mobile-phone payment).Above-mentioned existing hand set paying method must pass through third-party consumption platform, as: in market shopping commonly used, initiate transaction by the POS machine, and return transaction results; In the process of exchange, keep in service by the fund that third party's platforms such as Alipay provide on the net.By third-party consumption platform, process of exchange is complicated, as: before transaction, both sides must consume the platform login account the third party simultaneously, when transaction, must supplement with money this login account by Web bank or other mode of supplementing with money again, tranaction costs can be changed in the 3rd platform after must consuming all authentications of platform by the third party in addition, after the last end to be transacted, after consumer (buyer) receives that goods is finished transaction, must consume determining that platform concludes the business and finish the third party again, although the method security is higher, but when simply concluding the business, seem too loaded down with trivial details, be unfavorable for that both parties are quick, finish transaction fastly.And when using third-party platform to conclude the business by mobile phone, also there is inconvenience in the use of digital certificate, when using the U-KEY digital certificate of Construction Bank, mostly is greatly USB interface, and just be unfavorable for that mobile phone operates this moment.
Summary of the invention
The object of the invention is to overcome above-mentioned the deficiencies in the prior art and a kind of method that realizes bank card business dealing by mobile phone is provided, and the method may further comprise the steps:
The method of point-to-point realization bank card business dealing between the mobile phone may further comprise the steps:
1) the consumption mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the Mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to described unique identification information, if this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then enters next step;
3) the Transaction Information adapter coupling servers is converted to described unique identification information the cell-phone number of described consumption mobile phone, and this cell-phone number and Transaction Information are sent to the system that withholds of bank;
4) system that withholds of bank sends Transaction Information to the trade company mobile phone, and such as trade company's this transaction that confirms phone, then bank's system looks of withholing goes out the bank card of binding with described consumption cell-phone number, finishes this bank card withholdd closing the transaction.
In technique scheme, the data message of described unique identification information for using two magnetic track informations to encrypt.
The present invention also provides a kind of system that realizes bank card business dealing by mobile phone, comprising:
The consumption mobile phone is used for the unique identification information that Transaction Information and Mobile phone card store is sent to the Transaction Information adapter coupling servers;
The Transaction Information adapter coupling servers; Be used for receiving described Transaction Information and unique identification information, and described unique identification information is judged identification, the unique identification information of mistake is returned described consumption mobile phone; Correct unique identification information is converted to the cell-phone number of described consumption mobile phone, and this cell-phone number is sent out;
Trade company's mobile phone is used for receiving Transaction Information, and sends the affirmation information to this Transaction Information;
The system that withholds of bank is used for Transaction Information is sent to described trade company mobile phone, receives the affirmation information that trade company's mobile phone sends, and according to the bank card of described consumption cell-phone number binding, finishes withholing to this bank card.
Further, the data message of described unique identification information for using two magnetic track informations to encrypt.
The present invention will finish the binding of following information: at first,, and finish in mobile communication carrier and to put on record the unique corresponding binding of this unique identification information and cell-phone number at mobile communication carrier place.Then,, and finish in bank and to put on record the corresponding binding of this cell-phone number with bank card in bank.Unique identification information is namely realized finishing putting on record of authentication in mobile communication carrier and bank after the corresponding binding with bank card with cell-phone number, cell-phone number one by one.When transaction, the consumption mobile phone only needs Transaction Information and unique identification information are sent to the authentication that the Transaction Information adapter coupling servers is bound, after authentication, the Transaction Information adapter coupling servers will be sent to trade company's mobile phone, after trade company confirms this transaction, the affirmation information of sending to the Transaction Information adapter coupling servers.The Transaction Information adapter coupling servers according to the bank card of cell-phone number binding, is finished withholing to this bank card again.Finish transaction.
The present invention has the following advantages:
1, the present invention only need transmission information can finish transaction between consumption mobile phone and trade company's mobile phone, need not through the third party.
2, the present invention finishes binding in mobile communication carrier and bank, can get final product by mobile phone transmission information, only need the binding information authentication by mobile communication carrier, after the authentication, bank can finish transaction, and realizes withholing or transferring accounts, and it is simple to operate, performing step is quick, and process of exchange safety.
Description of drawings
Fig. 1 is the method flow diagram of point-to-point realization bank card business dealing between the mobile phone of the present invention.
Fig. 2 is the system architecture diagram by point-to-point realization bank card business dealing between the mobile phone.
Embodiment
The present invention is further illustrated below in conjunction with the drawings and specific embodiments.
As shown in Figure 1, realize that by mobile phone the method for bank card business dealing may further comprise the steps:
S101: consumption mobile phone (buyer's mobile phone) will be sent to the Transaction Information adapter coupling servers by the method that note, mobile phone client software and other mobile phone send information with the unique identification information that stores in Transaction Information and this consumption Mobile phone card.
S102: the Transaction Information adapter coupling servers is judged identification to described unique identification information and the data of putting on record at the mobile operator place, if this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then carries out next step.
S103: the Transaction Information adapter coupling servers is converted to described unique identification information the consumption cell-phone number of the corresponding binding of consumption mobile phone, and should consume cell-phone number and Transaction Information and be sent to the system that withholds of bank.
S104: the system that withholds of bank sends Transaction Information to trade company's mobile phone, comprises trading object, the amount of money, time etc.
S105: trade company confirms whether this transaction is correct, as correctly then sending confirmation to the system that withholds of bank, enters next step.If mistake, then trade company contacts to confirm with consumption user, and consumption user repeats above-mentioned step again.
S106: bank withholds, and system looks goes out and consume the bank card that cell-phone number is bound, and to withholing of this bank card, finishes transaction.
As shown in Figure 2, the system by point-to-point realization bank card business dealing between the mobile phone comprises consumption mobile phone 201, Transaction Information adapter coupling servers 202, bank withhold system 203 and trade company's mobile phone 204.
Unique identification information in storing in the consumption mobile phone 201, and carry out the binding of cell-phone number and this unique identification information at the mobile communication carrier place, and finish and put on record.The client software that sends information to Transaction Information adapter coupling servers 202 is housed in the consumption mobile phone 201.
Transaction Information adapter coupling servers 203 receives Transaction Information and the unique identification information that consumption mobile phone 201 sends, and the data message that unique identification information and mobile communication carrier put on record judged identification, if the unique identification information mistake then should be back to consumption mobile phone 201; If this unique identification information correctly then is converted to unique identification information the cell-phone number of its corresponding binding, and this cell-phone number and Transaction Information thereof be sent to the system 203 that withholds of bank.
Bank withholds after system 203 receives the cell-phone number and Transaction Information thereof that Transaction Information adapter coupling servers 202 sends, send the All Activity information of this transaction to trade company's mobile phone 204, trade company confirms whether it is correct after receiving this Transaction Information, if correctly then send confirmations to withhold system 206 of bank, if mistake, after then must confirming this transaction with consumption user, consumption user repeats above-mentioned step again.
The withhold bank card of system 203 corresponding binding of searching mobile phone number in the filing database of bank of bank to withholing of this bank card, is finished transaction.As required, the system 204 that withholds of bank can also be sent to the details of transaction respectively consumption mobile phone 201 and trade company's mobile phone 204.
System architecture of the present invention is simple, in the corresponding binding that mobile communication carrier carries out cell-phone number and unique identification information, finishes in the data of mobile operator and puts on record; Simultaneously cell-phone number and bank card are carried out corresponding binding, and finish in the data of bank and put on record.Whether be thereby that the information of corresponding binding is judged the authentication that realizes the consumption cell-phone number by 202 pairs of cell-phone numbers of Transaction Information adapter coupling servers and unique identification information, and being sent to the system 203 that withholds of bank by the cell-phone number of authentication, bank withholds system 203 directly according to the transaction such as deduct fees, transfer accounts of the bank cards of this cell-phone number binding.The operation that the present invention directly concludes the business between consumption mobile phone and trade company's mobile phone, saved third-party platform, simplified the operation steps of transaction, transaction is finished more efficiently, and in process of exchange, with cell-phone number and unique identification information and bank card binding, its verification process is simple, safety by respectively.
For the safety that guarantees to conclude the business, used unique identification information all uses the data message that two magnetic track informations are encrypted among the present invention.
Claims (2)
1. the method for point-to-point realization bank card business dealing between the mobile phone is characterized in that, may further comprise the steps:
1) the consumption mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the Mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to described unique identification information, if this unique identification information mistake then returns this error message to the consumption mobile phone, if this unique identification information correctly then enters next step;
3) the Transaction Information adapter coupling servers is converted to described unique identification information the cell-phone number of described consumption mobile phone, and this cell-phone number and Transaction Information are sent to the system that withholds of bank;
4) system that withholds of bank sends Transaction Information to the trade company mobile phone, and such as trade company's this transaction that confirms phone, then bank's system looks of withholing goes out the bank card of binding with described consumption cell-phone number, finishes this bank card withholdd closing the transaction.
2. the method that realizes bank card business dealing by mobile phone according to claim 1 is characterized in that: the data message of described unique identification information for using two magnetic track informations to encrypt.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201110458279.4A CN102542691B (en) | 2011-12-31 | 2011-12-31 | Method for realizing bank card transaction between mobile phones in point-to-point way |
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| CN201110458279.4A CN102542691B (en) | 2011-12-31 | 2011-12-31 | Method for realizing bank card transaction between mobile phones in point-to-point way |
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| CN102542691B true CN102542691B (en) | 2013-09-18 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104144206B (en) | 2014-05-29 | 2016-10-26 | 腾讯科技（深圳）有限公司 | A kind of interface loading method, system and device |
| CN112258178B (en) | 2018-01-23 | 2024-01-26 | 创新先进技术有限公司 | Binding method of payment card, trust evaluation method, device and electronic equipment |
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| CN101159054A (en) * | 2007-11-14 | 2008-04-09 | 范传东 | Method for realizing currency money payment through mobile communication appliance channel |
| CN101272546A (en) * | 2008-04-30 | 2008-09-24 | 四川长虹电器股份有限公司 | Authentication, charging system and method based on mobile phone |
| CN101567110A (en) * | 2009-05-26 | 2009-10-28 | 杨敏耀 | Consumer socialization zero-cash payment method and system |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002074227A (en) * | 2000-08-29 | 2002-03-15 | Soriton Syst:Kk | Personal identification and settlement method using portable information terminal |
| JP2002279325A (en) * | 2001-03-16 | 2002-09-27 | Jr East Mechatronics Co Ltd | Electronic business transaction system using cellphone |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101159054A (en) * | 2007-11-14 | 2008-04-09 | 范传东 | Method for realizing currency money payment through mobile communication appliance channel |
| CN101272546A (en) * | 2008-04-30 | 2008-09-24 | 四川长虹电器股份有限公司 | Authentication, charging system and method based on mobile phone |
| CN101567110A (en) * | 2009-05-26 | 2009-10-28 | 杨敏耀 | Consumer socialization zero-cash payment method and system |
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| JP特开2002-279325A 2002.09.27 |
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Effective date of registration: 20231007 Address after: 430030 1806, 18th Floor, Tianjiao International Building, Baofeng Road, Qiaokou District, Wuhan City, Hubei Province Patentee after: Hubei Miaofen Technology Co.,Ltd. Address before: 430074 Dingye Building 431, International Enterprise Center, No. 1 Guanggu Avenue, Donghu High tech Development Zone, Wuhan City, Hubei Province Patentee before: WUHAN YINXUN TECHNOLOGY DEVELOPMENT Co.,Ltd. |
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