CN102693581A - Mobile payment method based on converged communication technologies - Google Patents
Mobile payment method based on converged communication technologies Download PDFInfo
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- CN102693581A CN102693581A CN2012101669235A CN201210166923A CN102693581A CN 102693581 A CN102693581 A CN 102693581A CN 2012101669235 A CN2012101669235 A CN 2012101669235A CN 201210166923 A CN201210166923 A CN 201210166923A CN 102693581 A CN102693581 A CN 102693581A
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Abstract
The invention discloses a mobile payment method based on converged communication technologies. The method includes following steps: storing China UnionPay standard card information, sending payment orders, verifying validity and completing payments. By the mode, diversified innovative payment services are packed and converged by convergence of a mobile communication network and a fixed communication network, users can complete various transactions by mobile payment terminal equipment, lives of the users are facilitated, and social common development is promoted.
Description
Technical field
The present invention relates to the method for mobile payment, particularly relate to a kind of method of mobile payment based on the converged communication technology.
Background technology
Mobile payment service is used by the common mobile data value-added service of releasing, being structured on the mobile OSS of mobile operator, mobile application service provider (MASP) and financial institution.Mobile payment (Mobile Payment) is also referred to as mobile-phone payment, allows the user to use its portable terminal (normally mobile phone) that a kind of method of service that account is paid is carried out in the commodity or the service of being consumed exactly.
The situation of prior art:
1, payment terminal limitation, based on the needs of security and intelligent use, payment terminal at present commonly used only limits to smart mobile phone, and statistics uses user's occupation rate of smart mobile phone to have only 37% at present, and more user can't access service;
2, a little less than low, the signal of the payment terminal network coverage; Because the restriction of mobile terminal device itself and the construction of Operation Network are not enough; Do not possess the link speed at a high speed and the comprehensively network coverage; Be subject to the carrier network situation of appointment, in addition because the restriction of network broadband is restricting diversity of operations and user's experience property.
Summary of the invention
The technical matters that the present invention mainly solves provides a kind of method of mobile payment based on the converged communication technology; Through moving solid converged communication net; Diversified innovation payment services packing is incorporated; The user realizes through can the convenient completion various transaction of mobile payment terminal device, and the life that made things convenient for the user promotes the common development of society.
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: a kind of method of mobile payment based on the converged communication technology is provided, may further comprise the steps:
A, store Standard Bank Card information, the Standard Bank Card information stores that the user is held is in the smart card that the mobile payment terminal device is embedded in;
B, transmission pay invoice, the user uses the mobile payment terminal device to select any Standard Bank Card information of storage to pay, and sends payment request information through moving solid converged communication net to the financial service center, and produces pay invoice;
C, checking validity, the financial service center passes to mobile payment platform and handles through moving the pay invoice that solid converged communication net is received, and the validity of validation of payment order;
D, completion payment, after the validation verification of pay invoice passed through, the financial service center sent data to the mobile payment terminal device automatically, activated STK payment menu wherein, and the user inputs the password completion again and pays.
In preferred embodiment of the present invention, described mobile payment terminal device comprises mobile phone, flat board, computer, IMS pager, family's fixed line and radio network gateway.
In preferred embodiment of the present invention, describedly move solid converged communication net and comprise mobile radio communication and fixed internet.
In preferred embodiment of the present invention, described mobile radio communication be 4G the 4th generation network.
In preferred embodiment of the present invention, described mobile payment platform comprises agreement and intelligent SD card two parts.
In preferred embodiment of the present invention, described agreement comprises " CUPMobile Core Feature standard ", " CUPMobile bank card using standard ", " CUPMobile application management terminal interface standard ", " networking associating standard 2.0 " and " direct connection POS terminal specification ".
The invention has the beneficial effects as follows: the method for mobile payment based on the converged communication technology of the present invention; Through moving solid converged communication net; Diversified innovation payment services packing is incorporated; The user realizes through can the convenient completion various transaction of mobile payment terminal device, and the life that made things convenient for the user promotes the common development of society.
Description of drawings
Fig. 1 is the process flow diagram that the present invention is based on method of mobile payment one preferred embodiment of converged communication technology.
Embodiment
Below in conjunction with accompanying drawing preferred embodiment of the present invention is set forth in detail, thereby protection scope of the present invention is made more explicit defining so that advantage of the present invention and characteristic can be easier to it will be appreciated by those skilled in the art that.
See also Fig. 1, for the present invention is based on the process flow diagram of technological method of mobile payment one preferred embodiment of converged communication.Should may further comprise the steps based on the method for mobile payment of converged communication technology:
A, store Standard Bank Card information, the Standard Bank Card information stores that the user is held is in the smart card that the mobile payment terminal device is embedded in;
B, transmission pay invoice, the user uses the mobile payment terminal device to select any Standard Bank Card information of storage to pay, and sends payment request information through moving solid converged communication net to the financial service center, and produces pay invoice;
C, checking validity, after the validation verification of pay invoice passed through, the financial service center passed to mobile payment platform and handles through moving the pay invoice that solid converged communication net is received, and the validity of validation of payment order;
D, completion payment, the financial service center sends data to the mobile payment terminal device automatically, activates STK payment menu wherein, and the user inputs the password completion again and pays.
In above-mentioned, the mobile payment terminal device comprises mobile phone, flat board, computer, IMS pager, family's fixed line and radio network gateway, the mobile payment terminal device among the present invention is example with the mobile phone.
The solid converged communication net that moves among the present invention comprises mobile radio communication and fixed internet, is to be combined together by mobile radio communication and fixed internet, based on the IMS territory, and the high bandwidth new traffic pattern that combines computer information technology and conventional communication techniques together.
Mobile radio communication among the present invention be 4G the 4th generation network, the multimedia wide area network that is based on IMS/NGN covers, and seamless wireless service and application can be provided in the network of the different frequency band of different fixed, wireless platform and leap; Broadband access internet anywhere.
Wherein, IMS (IP Multimedia Subsystem) is the IP multimedia system, is a kind of brand-new multimedia service form, and it can satisfy, and present terminal client is more novel, the demand of more diversified multimedia service.IMS is made up of the network entity of control Multimedia session, and an IMS comprises one or more CSCFs (CSCF) unit, MGCF (MGCF), IMS WMG, Multimedia resource function processor (MRFP) (MRFC), subscribes to position functions, interrupts gateway control function (BGCF) and application server.
Fused business platform based on IMS:
Mobile radio communication insert WCDMA the PS territory, and WiMAX etc.;
Fixed internet insert WLAN etc.
Mobile payment platform is the mobile payment platform of new generation of China Unionpay's exploitation.Mobile payment platform comprises agreement and intelligent SD card two parts.
Wherein, agreement comprises " CUPMobile Core Feature standard ", " CUPMobile bank card using standard ", " CUPMobile application management terminal interface standard ", " networking associating standard 2.0 " and " direct connection POS terminal specification ".
Intelligent SD card is that the Standard Bank Card (magnetic stripe card) that the holder holds is used; Through certain made safe be stored in the smart card that mobile phone is embedded in; Realized the use interface the same with the traditional bank card; Improved the convenience and the security of payment, the user can be simultaneously will many bank cards information stores on mobile phone, any bank card that when actual delivery, can select mobile phone EMS memory to store up is easily paid.During remote payment, after order formed, the SIMpass card that data SMS is given mobile phone can be sent automatically in the financial service center, activated STK payment menu wherein, and the input password is accomplished payment, can effectively guarantee user's safety of payment.
The present invention is the payment account carrier with the smart card in the mobile phone (SIM or intelligent SD card), is the payment information processing terminal with the mobile phone, carries out the emerging modes of payments of remote payment and on-site payment through cordless communication network and contactless communication technology.
Method of mobile payment based on the converged communication technology provided by the invention has following advantage:
1, communication service is introduced Unionpay's innovation payment services and is realized professional the order fast and the paying closed loop, and communication service, broaden business extension and customer group are introduced in Unionpay's innovation payment;
2, innovative technologies such as the Femto of converged communication, LBS location, IVVR are beneficial to continuous variation realization and the business innovation that advances Unionpay's innovation payment services;
3,, be beneficial to and improve Unionpay's innovation safety of payment standard and user's service experience based on the security system guarantee of communication stage.
The method of mobile payment that the present invention discloses based on the converged communication technology; Through moving solid converged communication net; Diversified innovation payment services packing is incorporated, and the user can the various transaction realizations of convenient completion through the mobile payment terminal device, the life that made things convenient for the user; Promote the common development of society, realize that IMS wide area network (telecom operators) docks with the two nets in financial service center (Unionpay).
The above is merely embodiments of the invention; Be not so limit claim of the present invention; Every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to be done; Or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (6)
1. the method for mobile payment based on the converged communication technology is characterized in that, may further comprise the steps:
A, store Standard Bank Card information, the Standard Bank Card information stores that the user is held is in the smart card that the mobile payment terminal device is embedded in;
B, transmission pay invoice, the user uses the mobile payment terminal device to select any Standard Bank Card information of storage to pay, and sends payment request information through moving solid converged communication net to the financial service center, and produces pay invoice;
C, checking validity, after the validation verification of pay invoice passed through, the financial service center passed to mobile payment platform and handles through moving the pay invoice that solid converged communication net is received, and the validity of validation of payment order;
D, completion payment, the financial service center sends data to the mobile payment terminal device automatically, activates STK payment menu wherein, and the user inputs the password completion again and pays.
2. the method for mobile payment based on the converged communication technology according to claim 1 is characterized in that described mobile payment terminal device comprises mobile phone, flat board, computer, IMS pager, family's fixed line and radio network gateway.
3. the method for mobile payment based on converged communication technology according to claim 1 is characterized in that, describedly moves solid converged communication net and comprises mobile radio communication and fixed internet.
4. the method for mobile payment based on converged communication technology according to claim 3 is characterized in that, described mobile radio communication be 4G the 4th generation network.
5. the method for mobile payment based on the converged communication technology according to claim 1 is characterized in that described mobile payment platform comprises agreement and intelligent SD card two parts.
6. the method for mobile payment based on the converged communication technology according to claim 5; It is characterized in that described agreement comprises " CUPMobile Core Feature standard ", " CUPMobile bank card using standard ", " CUPMobile application management terminal interface standard ", " networking associating standard 2.0 " and " direct connection POS terminal specification ".
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012101669235A CN102693581A (en) | 2012-05-28 | 2012-05-28 | Mobile payment method based on converged communication technologies |
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| CN2012101669235A CN102693581A (en) | 2012-05-28 | 2012-05-28 | Mobile payment method based on converged communication technologies |
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| CN102693581A true CN102693581A (en) | 2012-09-26 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103312522A (en) * | 2013-06-24 | 2013-09-18 | 上海讯联数据服务有限公司 | Secure data transmission control method based on payment terminal full-message encryption |
| CN103596159A (en) * | 2013-11-05 | 2014-02-19 | 科升无线（苏州）有限公司 | 3G/WiFi network access authentication system and achieving method thereof |
| CN104657859A (en) * | 2013-11-25 | 2015-05-27 | 中国银联股份有限公司 | System and method for mobile payment of mobile phone |
| CN109726545A (en) * | 2017-10-31 | 2019-05-07 | 中国移动通信集团公司 | A kind of information display method, equipment, computer readable storage medium and device |
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| CN101853458A (en) * | 2010-05-17 | 2010-10-06 | 成都中联信通科技有限公司 | Method for realizing mobile payment in mobile internet sales |
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| CN101853458A (en) * | 2010-05-17 | 2010-10-06 | 成都中联信通科技有限公司 | Method for realizing mobile payment in mobile internet sales |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103312522A (en) * | 2013-06-24 | 2013-09-18 | 上海讯联数据服务有限公司 | Secure data transmission control method based on payment terminal full-message encryption |
| CN103596159A (en) * | 2013-11-05 | 2014-02-19 | 科升无线（苏州）有限公司 | 3G/WiFi network access authentication system and achieving method thereof |
| CN104657859A (en) * | 2013-11-25 | 2015-05-27 | 中国银联股份有限公司 | System and method for mobile payment of mobile phone |
| WO2015074491A1 (en) * | 2013-11-25 | 2015-05-28 | 中国银联股份有限公司 | Mobile telephone mobile payment system and method |
| CN109726545A (en) * | 2017-10-31 | 2019-05-07 | 中国移动通信集团公司 | A kind of information display method, equipment, computer readable storage medium and device |
| CN109726545B (en) * | 2017-10-31 | 2020-09-04 | 中国移动通信集团公司 | Information display method, equipment, computer readable storage medium and device |
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Application publication date: 20120926 |