CN103150649A - Trading method for implementing payment by transfer of accounts and cash withdrawing without card - Google Patents
Trading method for implementing payment by transfer of accounts and cash withdrawing without card Download PDFInfo
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- CN103150649A CN103150649A CN2013100478292A CN201310047829A CN103150649A CN 103150649 A CN103150649 A CN 103150649A CN 2013100478292 A CN2013100478292 A CN 2013100478292A CN 201310047829 A CN201310047829 A CN 201310047829A CN 103150649 A CN103150649 A CN 103150649A
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Abstract
The invention discloses a trading method for implementing payment by transfer of accounts and cash withdrawing without a card. The method comprises the following steps: S10, opening mobile authentication, and acquiring an activation code; S20, downloading a client side to a mobile phone of a payer, binding the mobile phone of the payer and an account, and inputting the activation code to finish authentication; S30, logging in the client side, entering a business selection interface, if a mobile phone to a mobile phone is selected, executing a step S40, and if the cash is withdrawn in an ATM (automatic teller machine), executing a step S50; S40, transferring accounts through the mobile phone to the mobile phone; S50, carrying out trading appointment, wherein the appointment contents comprise telephone numbers of payers, withdrawn amounts and effective withdrawing time; and S60, inputting appointment contents on the ATM and withdrawing the cash. The trading method for implementing the payment by the transfer of accounts and the cash withdrawing without the card has the advantages of being good in portability and good in practicability.
Description
Technical field
The present invention relates to a kind of method of commerce, relate in particular to a kind of by mobile phone realize transfer of payment and without the card enchashment method of commerce.
Background technology
At present, transfer accounts mode and be subject to user's welcome because of its fast and easy without card enchashment mode of mobile-phone payment, wherein:
The mobile-phone payment process of transferring accounts is: by mobile phone logging in to online banks or cell phone bank system, and the information of transferring accounts such as input payee account, then carry out transfer of payment by security tools such as dynamic passwords.But there is following defective in this mode of doing business: 1, must provide the payee bank accounts information, comprise account, account name, easily cause accounts information to be revealed; 2, must use corresponding security tool, as mobile phone dynamic password, scrambler etc., cause convenience relatively poor.
Without card enchashment process be: by mobile phone logging in to online banks or cell phone bank system, select to carry out the enchashment of nothing card with information such as reservation code to ATM (Automatic Teller Machine) without preengaging after the card enchashment after reservation.But there is following defective in this mode of doing business: 1, can only preengage to me, can not preengage to other people, limit the user's who uses this function scope; 2, the existing business pattern must be take user's bank account as the basis, and namely the user must have the bank account could be without blocking enchashment.Can find out from above 2, the practicality of this mode of doing business is relatively poor.
Therefore, transfer accounts mode and have the defective of portable poor and poor practicability without card enchashment mode of existing mobile-phone payment.
Summary of the invention
The technical problem to be solved in the present invention is, provides a kind of and realizes transfer of payment and without the method for commerce that blocks enchashment, have more portability and practicality to make process of exchange by mobile phone.
For solving the problems of the technologies described above, the present invention adopts following technical scheme.
A kind of by mobile phone realize transfer of payment and without the card enchashment method of commerce, it comprises the following steps: S10, open mobile authentication, obtain active coding; S20, with client downloads to payer's mobile phone, server with the binding of payer's mobile phone and account after, input active coding and complete authentication; S30, the login client enters the service selection interface, if select mobile phone to change hands machine, execution in step S40, if select ATM to withdraw the money, execution in step S50; S40 carries out mobile phone to transferring account with mobile phone; S50, the reservation of concluding the business, content of appointment comprises payee's phone number, the amount of money of withdrawing the money reaches and effectively withdraws the money the time; S60 inputs content of appointment and withdraws the money on the ATM cash dispenser.
Preferably, the mobile phone in described step S40 also further comprises the steps: S400 to transferring account with mobile phone, input payee phone number, the transfer accounts amount of money and payee name; S401, whether payee's phone number meets form, if, carry out next step, if not, return to step S400; S402, whether the amount of money of transferring accounts meets form, if, carry out next step, if not, return to step S400; S403 enters and confirms to confirm payee's phone number, the transfer accounts amount of money and payee name in the interface, if confirm, carries out next step, if return, returns to step S400; S404 carries out service charge calculating and limit and controls, and while execution in step S405 and step S406; S405, the data-base recording stateful transaction; S406 judges whether the payee is the mobile authentication user, if, execution in step S407, execution in step S408 if not; S407 carries out money transfer transactions, and upgrades the database transaction state; S408, short message prompt payee open mobile authentication and with payee's mobile phone and account payee's binding, after successfully opening and binding, carry out money transfer transactions and upgrade the database transaction state.
Preferably, the transaction reservation process in described step S50 specifically comprises the following steps: S500, and the input subscription information, described subscription information comprises payee's phone number, the amount of money and withdrawing the money the time of withdrawing the money; S501 judges whether phone number meets form, if, carry out next step, if not, return to step S500; S502 judges whether the amount of money meets form, if, carry out next step, if not, return to step S500; Whether S503 confirms above-mentioned input, if, carry out next step, if not, return to step S500; S504, client is saved to subscription information the database of server, completes reservation; S505 judges whether the payee is the mobile authentication user, if, execution in step S506, if not, execution in step S507; S506, Client-Prompt preengage successfully, and the subscription information of withdrawing the money simultaneously is sent to the payee; S507, client generates and shows the password of withdrawing the money, and reminds the payer that the password of withdrawing the money is informed the payee, and the subscription information of withdrawing the money simultaneously is sent to the payee.
Preferably, the process of withdrawing the money in described step S60 specifically comprises the following steps: S600, use the ATM cash dispenser; S601 selects without the card enchashment; S602, the input subscription information; Whether S603 confirms input, if, carry out next step, if not, return to step S602; S604, ATM system connection server, the subscription information that the server calls database is preserved; S605, server carries out data check with subscription information and current input message, and judges whether verification succeeds, if success, execution in step S606, if failure, execution in step S607; S606 withdraws the money, and the server successful Transaction Information of withdrawing the money is saved to database; S607, prompting is withdrawn the money unsuccessfully, and will the withdraw the money Transaction Information of failure of server is saved to database.
Preferably, open mobile authentication in described step S10, obtain active coding and specifically comprise the steps: S100, registered user's data or access the data that bank has deposited, the checking client identity; S101 need to select the application of authentication; S102 arranges security password and individualized security information; S103 obtains active coding.
Disclosed by the invention by mobile phone realize transfer of payment and without the card enchashment method of commerce in, after user mobile phone and account binding and completing mobile authentication, can login and be installed on the client on mobile phone and carry out mobile phone and withdraw the money to transferring account with mobile phone or ATM, this mode of doing business, because payment process is all realized on mobile phone, need not any security tool and be not subjected to the restriction of occasion, so good portability.In addition, when the user during enchashment, inputs correct subscription information and just can take cash away, so need not the leakage of carrying bank card and having avoided bank card password, has better practicality on the ATM cash dispenser.Therefore, disclosed by the invention by mobile phone realize transfer of payment and without the card enchashment method of commerce, have advantages of that good portability and practicality are good.
Description of drawings
Fig. 1 is for realizing transfer of payment and without the process flow diagram of method of commerce of card enchashment by mobile phone.
Fig. 2 be in step S40 shown in Figure 1 mobile phone to the process flow diagram of transferring account with mobile phone process.
Fig. 3 is the process flow diagram of transaction reservation process in step S50 shown in Figure 1.
Fig. 4 is the process flow diagram of the process of withdrawing the money in step S60 shown in Figure 1.
Fig. 5 opens the process flow diagram of mobile authentication process in step S10 shown in Figure 1.
Fig. 6 is the structural representation of the related hardware device of step S40.
Fig. 7 is the structural representation of the related hardware device of step S50 and step S60.
Embodiment
Below in conjunction with drawings and Examples, the present invention is done more detailed description.
The present invention disclose a kind of by mobile phone realize transfer of payment and without the card enchashment method of commerce, as shown in Figure 1, the method comprises the following steps: S10, open mobile authentication, obtain active coding; S20, with client downloads to payer's mobile phone, server with the binding of payer's mobile phone and account after, input active coding and complete authentication; S30, the login client enters the service selection interface, if select mobile phone to change hands machine, execution in step S40, if select ATM to withdraw the money, execution in step S50; S40 carries out mobile phone to transferring account with mobile phone; S50, the reservation of concluding the business, content of appointment comprises payee's phone number, the amount of money of withdrawing the money reaches and effectively withdraws the money the time; S60 inputs content of appointment and withdraws the money on the ATM cash dispenser.In said method, after user mobile phone and account binding and completing mobile authentication, can login and be installed on the client on mobile phone and carry out mobile phone and withdraw the money to transferring account with mobile phone or ATM, this mode of doing business, because payment process is all realized on mobile phone, need not any security tool and be not subjected to the restriction of occasion, so good portability.In addition, when the user during enchashment, inputs correct subscription information and just can take cash away, so need not the leakage of carrying bank card and having avoided bank card password, has better practicality on the ATM cash dispenser.Therefore, disclosed by the invention by mobile phone realize transfer of payment and without the card enchashment method of commerce, have advantages of that good portability and practicality are good.
As shown in Figure 6, the mobile phone in step S40 comprises to the related hardware device of transferring account with mobile phone: server 1, payer's mobile phone 2, database 3 and payee's mobile phone 5.Wherein, server 1 is located at bank inside, is used for carrying out communication and depositing or access data in to database 3 with payer's mobile phone 2 and payee's mobile phone 5 respectively; Payer's mobile phone 2 is equipped with client, and it is used for setting up communication with server 1, and submits money transfer transactions by input payee phone number, the amount of money and the payee name of transferring accounts to server; Payee's mobile phone 5 is used for confirming money transfer transactions; Database 3 is used for storage user's data information, user's operation information and transaction record.In conjunction with shown in Figure 2, the mobile phone in step S40 further comprises the steps: S400 to transferring account with mobile phone, input payee phone number, the transfer accounts amount of money and payee name; S401, whether payee's phone number meets form, if, carry out next step, if not, return to step S400; S402, whether the amount of money of transferring accounts meets form, if, carry out next step, if not, return to step S400; S403 enters and confirms to confirm payee's phone number, the transfer accounts amount of money and payee name in the interface, if confirm, carries out next step, if return, returns to step S400; S404 carries out service charge calculating and limit and controls, and while execution in step S405 and step S406; S405, the data-base recording stateful transaction; S406 judges whether the payee is the mobile authentication user, if, execution in step S407, execution in step S408 if not; S407 carries out money transfer transactions, and upgrades the database transaction state; S408, short message prompt payee open mobile authentication and with payee's mobile phone and account payee's binding, after successfully opening and binding, carry out money transfer transactions and upgrade the database transaction state.This mobile phone is in the method for transferring account with mobile phone, because mobile phone is that people's belongings have improved portability and practicality.
As shown in Figure 7, hardware device related in step S50 and S60 comprises: server 1, payer's mobile phone 2, database 3 and ATM cash dispenser 4, wherein, ATM cash dispenser 4 and server 1 real-time communication are used for carrying out the instruction of server 1.In conjunction with shown in Figure 3, the transaction reservation process in step S50 specifically comprises the following steps: S500, and the input subscription information, described subscription information comprises payee's phone number, the amount of money and withdrawing the money the time of withdrawing the money; S501 judges whether phone number meets form, if, carry out next step, if not, return to step S500; S502 judges whether the amount of money meets form, if, carry out next step, if not, return to step S500; Whether S503 confirms above-mentioned input, if, carry out next step, if not, return to step S500; S504, client is saved to database with subscription information, completes reservation; S505 judges whether the payee is the mobile authentication user, if, execution in step S506, if not, execution in step S507; S506, Client-Prompt preengage successfully, and the subscription information of withdrawing the money simultaneously is sent to the payee; S507, client generates and shows the password of withdrawing the money, and reminds the payer that the password of withdrawing the money is informed the payee, and the subscription information of withdrawing the money simultaneously is sent to the payee.
As shown in Figure 4, the process of withdrawing the money in step S60 specifically comprises the following steps: S600, use the ATM cash dispenser; S601 selects without the card enchashment; S602, the input subscription information; Whether S603 confirms input, if, carry out next step, if not, return to step S602; S604, ATM system connection server, the subscription information that the server calls database is preserved; S605, server carries out data check with subscription information and current input message, and judges whether verification succeeds, if success, execution in step S606, if failure, execution in step S607; S606 withdraws the money, and the server successful Transaction Information of withdrawing the money is saved to database; S607, prompting is withdrawn the money unsuccessfully, and will the withdraw the money Transaction Information of failure of server is saved to database.Integrating step S50 and step S60, after the payer completes the transaction reservation, server judges whether the payee is the mobile authentication user, when the payee is the mobile authentication user, need the input subscription information and withdraw the money, when the payee is not the mobile authentication user, needs input withdraw the money password and subscription information and withdraw the money, thereby realized withdrawing the money without card on ATM.
As shown in Figure 5, open mobile authentication in step S10, the process of obtaining active coding specifically comprises the steps: S100, registered user's data or access the data that bank has deposited, the checking client identity, in this step, but identity verification certificate information and checking bank card password; S101 need to select the application of authentication, and this application comprises Web bank, telephone bank, ecommerce etc., if the acquiescence of selection can be used in any application; S102 arranges security password and individualized security information; S103 obtains active coding, prints the active coding envelope and is kept by the user.
In practical application, the payee only need use mobile phone just can collect money, when the user selects mobile phone to change hands machine, the payee can carry out user's registration with cell-phone number, with cell-phone number and account binding, the payer need input payee's cell-phone number and transfer accounts to payee's payment afterwards, in the situation that the payee does not carry out user's registration, guide the payee to complete by note and register and bind collecting account, complete afterwards mobile phone to transferring account with mobile phone.When the user selects without card during enchashment, the payer need input payee's cell-phone number, and preengages, the payee rely on cell-phone number, reservation code and security password in subscription time in ATM (automatic teller machine) or sales counter enchashment.
Disclosed by the invention by mobile phone realize transfer of payment and without the card enchashment method of commerce in, after user mobile phone and account binding and completing mobile authentication, can login and be installed on the client on mobile phone and carry out mobile phone and withdraw the money to transferring account with mobile phone or ATM, this mode of doing business, because payment process is all realized on mobile phone, need not any security tool and be not subjected to the restriction of occasion, so good portability.In addition, when the user during enchashment, inputs correct subscription information and just can take cash away, so need not the leakage of carrying bank card and having avoided bank card password, has better practicality on the ATM cash dispenser.Therefore, disclosed by the invention by mobile phone realize transfer of payment and without the card enchashment method of commerce, have advantages of that good portability and practicality are good.
The above is preferred embodiment of the present invention, is not limited to the present invention, all modifications of making in technical scope of the present invention, is equal to and replaces or improvement etc., all should be included in the scope that the present invention protects.
Claims (5)
1. a method of carrying out bank transaction by mobile phone, is characterized in that, the method comprises the following steps:
S10 opens mobile authentication, obtains active coding;
S20, with client downloads to payer's mobile phone, server with the binding of payer's mobile phone and account after, input active coding and complete authentication;
S30, the login client enters the service selection interface, if select mobile phone to change hands machine, execution in step S40, if select ATM to withdraw the money, execution in step S50;
S40 carries out mobile phone to transferring account with mobile phone;
S50, the reservation of concluding the business, content of appointment comprises payee's phone number, the amount of money of withdrawing the money reaches and effectively withdraws the money the time;
S60 inputs content of appointment and withdraws the money on the ATM cash dispenser.
2. method of carrying out bank transaction by mobile phone as claimed in claim 1, is characterized in that, the mobile phone in described step S40 also further comprises the steps: to transferring account with mobile phone
S400, input payee phone number, the transfer accounts amount of money and payee name;
S401, whether payee's phone number meets form, if, carry out next step, if not, return to step S400;
S402, whether the amount of money of transferring accounts meets form, if, carry out next step, if not, return to step S400;
S403 enters and confirms to confirm payee's phone number, the transfer accounts amount of money and payee name in the interface, if confirm, carries out next step, if return, returns to step S400;
S404 carries out service charge calculating and limit and controls, and while execution in step S405 and step S406;
S405, the data-base recording stateful transaction;
S406 judges whether the payee is the mobile authentication user, if, execution in step S407, execution in step S408 if not;
S407 carries out money transfer transactions, and upgrades the database transaction state;
S408, short message prompt payee open mobile authentication and with payee's mobile phone and account payee's binding, after successfully opening and binding, carry out money transfer transactions and upgrade the database transaction state.
3. method of carrying out bank transaction by mobile phone as claimed in claim 1, is characterized in that, the transaction reservation process in described step S50 specifically comprises the following steps:
S500, the input subscription information, described subscription information comprises payee's phone number, the amount of money and withdrawing the money the time of withdrawing the money;
S501 judges whether phone number meets form, if, carry out next step, if not, return to step S500;
S502 judges whether the amount of money meets form, if, carry out next step, if not, return to step S500;
Whether S503 confirms above-mentioned input, if, carry out next step, if not, return to step S500;
S504, client is saved to subscription information the database of server, completes reservation;
S505 judges whether the payee is the mobile authentication user, if, execution in step S506, if not, execution in step S507;
S506, Client-Prompt preengage successfully, and the subscription information of withdrawing the money simultaneously is sent to the payee;
S507, client generates and shows the password of withdrawing the money, and reminds the payer that the password of withdrawing the money is informed the payee, and the subscription information of withdrawing the money simultaneously is sent to the payee.
4. method of carrying out bank transaction by mobile phone as claimed in claim 1, is characterized in that, the process of withdrawing the money in described step S60 specifically comprises the following steps:
S600 uses the ATM cash dispenser;
S601 selects without the card enchashment;
S602, the input subscription information;
Whether S603 confirms input, if, carry out next step, if not, return to step S602;
S604, ATM system connection server, the subscription information that the server calls database is preserved;
S605, server carries out data check with subscription information and current input message, and judges whether verification succeeds, if success, execution in step S606, if failure, execution in step S607;
S606 withdraws the money, and the server successful Transaction Information of withdrawing the money is saved to database;
S607, prompting is withdrawn the money unsuccessfully, and will the withdraw the money Transaction Information of failure of server is saved to database.
5. method of carrying out bank transaction by mobile phone as claimed in claim 1, is characterized in that, opens mobile authentication in described step S10, obtains active coding and specifically comprise the steps:
S100, registered user's data or access the data that bank has deposited, checking client identity;
S101 need to select the application of authentication;
S102 arranges security password and individualized security information;
S103 obtains active coding.
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| CN2013100478292A CN103150649A (en) | 2013-02-06 | 2013-02-06 | Trading method for implementing payment by transfer of accounts and cash withdrawing without card |
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| CN104103132A (en) * | 2014-07-08 | 2014-10-15 | 深圳前海君浩银通科技发展有限公司 | Mobile uKey [USB (universal serial bus) Key] and card-less cash withdrawal System and mobile uKey and card-less cash withdrawal method |
| WO2014187400A1 (en) * | 2013-10-14 | 2014-11-27 | 中兴通讯股份有限公司 | Transaction method and device for cardless cash withdrawal |
| CN104240370A (en) * | 2014-09-24 | 2014-12-24 | 冯林 | Money depositing and withdrawing system on basis of dynamic two-dimensional codes |
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN104680361A (en) * | 2015-02-05 | 2015-06-03 | 王钧 | Enchashment method and system based on third-party platform |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| WO2015172280A1 (en) * | 2014-05-12 | 2015-11-19 | 李彦材 | Mobile phone radio frequency identification apparatus and mobile terminal secure payment system |
| CN105160577A (en) * | 2015-09-28 | 2015-12-16 | 深圳怡化电脑股份有限公司 | Method and system for realizing fixed-point transaction reservation of financial self-service equipment |
| CN105279694A (en) * | 2015-11-18 | 2016-01-27 | 深圳怡化电脑股份有限公司 | A method and a device for processing money withdrawing information of users |
| CN105354787A (en) * | 2015-11-08 | 2016-02-24 | 侯岗 | Communication real-name system based communication money management system |
| CN105741439A (en) * | 2014-12-10 | 2016-07-06 | 镇江雅迅软件有限责任公司 | ATM self-service system based on wireless connection |
| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
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| WO2017000524A1 (en) * | 2015-06-29 | 2017-01-05 | 百度在线网络技术（北京）有限公司 | Card-free withdrawal method and apparatus |
| CN107305660A (en) * | 2016-04-24 | 2017-10-31 | 汪风珍 | A kind of mobile phone financial trade method and mobile phone are double to put bank card |
| CN107393213A (en) * | 2017-06-29 | 2017-11-24 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN107609869A (en) * | 2017-08-30 | 2018-01-19 | 苏东成 | A kind of transfer account method and system for internet finance, payment industry |
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| WO2014187400A1 (en) * | 2013-10-14 | 2014-11-27 | 中兴通讯股份有限公司 | Transaction method and device for cardless cash withdrawal |
| CN104574178A (en) * | 2013-10-14 | 2015-04-29 | 中兴通讯股份有限公司 | Trading method and device for cardless cash withdrawal |
| WO2015172280A1 (en) * | 2014-05-12 | 2015-11-19 | 李彦材 | Mobile phone radio frequency identification apparatus and mobile terminal secure payment system |
| CN104103132A (en) * | 2014-07-08 | 2014-10-15 | 深圳前海君浩银通科技发展有限公司 | Mobile uKey [USB (universal serial bus) Key] and card-less cash withdrawal System and mobile uKey and card-less cash withdrawal method |
| CN104240370A (en) * | 2014-09-24 | 2014-12-24 | 冯林 | Money depositing and withdrawing system on basis of dynamic two-dimensional codes |
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
| CN105741439A (en) * | 2014-12-10 | 2016-07-06 | 镇江雅迅软件有限责任公司 | ATM self-service system based on wireless connection |
| CN104680361B (en) * | 2015-02-05 | 2018-05-15 | 王钧 | A kind of enchashment method and system based on third-party platform |
| CN104680361A (en) * | 2015-02-05 | 2015-06-03 | 王钧 | Enchashment method and system based on third-party platform |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| WO2017000524A1 (en) * | 2015-06-29 | 2017-01-05 | 百度在线网络技术（北京）有限公司 | Card-free withdrawal method and apparatus |
| CN105160577A (en) * | 2015-09-28 | 2015-12-16 | 深圳怡化电脑股份有限公司 | Method and system for realizing fixed-point transaction reservation of financial self-service equipment |
| CN105354787A (en) * | 2015-11-08 | 2016-02-24 | 侯岗 | Communication real-name system based communication money management system |
| CN105279694A (en) * | 2015-11-18 | 2016-01-27 | 深圳怡化电脑股份有限公司 | A method and a device for processing money withdrawing information of users |
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Application publication date: 20130612 |