CN103177360A - Paying system and method based on unified personal information - Google Patents

Paying system and method based on unified personal information Download PDF

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Publication number
CN103177360A
CN103177360A CN2011104320753A CN201110432075A CN103177360A CN 103177360 A CN103177360 A CN 103177360A CN 2011104320753 A CN2011104320753 A CN 2011104320753A CN 201110432075 A CN201110432075 A CN 201110432075A CN 103177360 A CN103177360 A CN 103177360A
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means
payment
account
password
personal information
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CN2011104320753A
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Chinese (zh)
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吕苏
康建明
吴金坛
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中国银联股份有限公司
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Priority to CN2011104320753A priority Critical patent/CN103177360A/en
Publication of CN103177360A publication Critical patent/CN103177360A/en

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Abstract

The invention discloses a paying system and method based on unified personal information. In the technical scheme of the paying system and method, specific bank accounts or third-party paying accounts do not need to be provided, and paying is achieved through unified personal information and account identification.

Description

一种基于统—Iv人信息的支付系统和方法 A method for payment system and method based information system -Iv people

技术领域 FIELD

[0001] 本发明涉及支付技术,并且尤其涉及基于统一个人信息的支付系统和方法。 [0001] The present invention relates to a payment technology, and more particularly to a system and method of payment based on a uniform personal information.

背景技术 Background technique

[0002] 现有的支付手段一般都需要用户提供一个具体的账户号码,例如银行账户号码或者第三方金融机构的虚拟账户号码,并输入与该账户号码对应的支付密码来完成支付过程。 [0002] existing payment methods generally require the user to provide a specific account number, bank account number or a third party such as a financial institution's virtual account number, account number and enter the corresponding payment password to complete the payment process. 然而,在用户拥有多个账户的情况下,例如用户拥有多张银行卡和多个虚拟账户,用户对于记忆和选择对应的账户号码变得困难,由此造成支付过程更加繁琐,导致支付效率较低。 However, in the case of users with multiple accounts, for example, a user with multiple cards and multiple virtual bank account, it becomes difficult for the user to select the corresponding memory and account number, and the resulting payment process more cumbersome, resulting in a more efficient payment low. 此外,用户在支付终端显式地输入或者提供账户号码也存在一定的安全隐患。 In addition, the user enters an account number or provide some security risks exist explicitly in the payment terminal.

[0003] 因此,需要一种更加便捷和安全的支付系统和方法。 [0003] Therefore, the need for a more convenient and secure payment system and method.

发明内容 SUMMARY

[0004] 根据本发明的一个目的,本发明提供一种基于统一个人信息的支付系统,其特征在于,包括支付终端和交换中心装置,其中, [0004] According to one object of the present invention, the present invention provides a payment system based on uniform personal information, wherein the payment terminal and the switching center comprising means, wherein,

该支付终端被配置成向所述交换中心装置传输统一个人信息、账户标识和支付密码, 所述交换中心装置包括接收装置、映射装置、发送装置, The payment terminal is configured to transmit the unified switching center means personal information, account ID and payment password, the switching center apparatus comprises receiving means, a mapping means, transmitting means,

所述接收装置被配置成从所述支付终端接收所述统一个人信息、账户标识和支付密 The receiving means is configured to receive the payment from the unified terminal personal information, account identifier and the payment density

码, code,

所述映射装置被配置成根据所述统一个人信息和所述账户标识映射账户号码,以及确认账户提供方, The mapping means is configured to provide a unified way in accordance with the personal information and account number mapping the account ID, account and a confirmation,

所述发送装置被配置成将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 The transmitting means is configured to transmit the account number and the password to the payment provider account for payment operation.

[0005] 在上述公开的方案中,所述支付终端和所述交换中心装置通过网络进行通信。 [0005] In the disclosed embodiment, the payment terminal device and the switching center communicate over the network.

[0006] 在上述公开的方案中,该支付终端进一步被配置成连同统一个人信息、账户标识和支付密码一起向所述交换中心装置发送交换密码, [0006] In the disclosed embodiment, the payment terminal is further configured to unity together with personal information, account ID and password to the payment password sending switching means with said switching center,

所述交换中心装置还包括校验装置, The switching center apparatus further comprises a calibration device,

所述校验装置被配置成验证所述交换密码, Said checking means is configured to verify the password exchange,

所述发送装置被配置成在所述校验装置校验成功后将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 Said transmission means configured to transmit the checking means upon successful verification of the account number and password to the payment provider to the account for payment operation.

[0007] 在上述公开的方案中,所述交换中心装置被设置在所述支付终端内部,所述支付终端和所述交换中心装置电耦合并通过电路进行通信。 [0007] In the disclosed embodiment, the switching means is provided in the center inside the payment terminal and the payment terminal is electrically coupled to the switching center apparatus through the communication circuit and.

[0008] 在上述公开的方案中,所述统一个人信息是个人身份证号码。 [0008] In the disclosed embodiment, the personal information is unified Personal Identification Number.

[0009] 在上述公开的方案中,所述账户号码是真实银行账户号码或者虚拟账户号码。 [0009] In the disclosed embodiment, the bank account number is the account number or a virtual real account number.

[0010] 在上述公开的方案中,所述支付终端是手机、PDA或者PC机。 [0010] In the disclosed embodiment the payment terminal is a mobile phone, PDA or PC.

[0011 ] 在上述公开的方案中,所述账户标识是账户索引号。 [0011] In the disclosed embodiment, the account identifier is an account index.

[0012] 根据本发明的另一个目的,提供一种基于统一个人信息的支付方法,包括以下步骤: [0012] According to another object of the present invention, there is provided a method of payment based on the individual with information, comprising the steps of:

利用支付终端向所述交换中心装置传输统一个人信息、账户标识和支付密码, Using the payment terminal device transmits to the switching center unified personal information, account ID and payment password,

所述交换中心装置包括接收装置、映射装置、发送装置, The switching center apparatus comprising receiving means, a mapping means, transmitting means,

由所述接收装置从所述支付终端接收所述统一个人信息、账户标识和支付密码, Received by said receiving means from said payment terminal said unified personal information, account ID and payment password,

由所述映射装置根据所述统一个人信息和所述账户标识映射账户号码,以及确认账户提供方, Provided by a mapping device of the personal information and the unified identification mapping account number the account, and the account confirmation,

由所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 Transmitting by the transmission means of the payment of the account number and password to the account provider for payment operation.

[0013] 在上述公开的方案中,所述支付终端和所述交换中心装置通过网络进行通信。 [0013] In the disclosed embodiment, the payment terminal device and the switching center communicate over the network.

[0014] 在上述公开的方案中,利用支付终端连同统一个人信息、账户标识和支付密码一起向所述交换中心装置发送交换密码, [0014] In the disclosed embodiment, along with the use of the payment terminal unified personal information, account ID and password are sent to exchange payment to the switching center apparatus together with a password,

所述交换中心装置还包括校验装置, The switching center apparatus further comprises a calibration device,

利用所述校验装置验证所述交换密码, Using the checking means to verify the password exchange,

在所述校验装置校验成功后,利用所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 After said checking means check is successful, the transmitting means using the account number and password are sent to the payment provider to the account for payment operation.

[0015] 在上述公开的方案中,所述交换中心装置被设置在所述支付终端内部,所述支付终端和所述交换中心装置电耦合并通过电路进行通信。 [0015] In the disclosed embodiment, the switching means is provided in the center inside the payment terminal and the payment terminal is electrically coupled to the switching center apparatus through the communication circuit and.

[0016] 在上述公开的方案中,所述统一个人信息是个人身份证号码。 [0016] In the disclosed embodiment, the personal information is unified Personal Identification Number.

[0017] 在上述公开的方案中,所述账户号码是真实银行账户号码或者虚拟账户号码。 [0017] In the disclosed embodiment, the bank account number is the account number or a virtual real account number.

[0018] 在上述公开的方案中,所述支付终端是手机、PDA或者PC机。 [0018] In the disclosed embodiment the payment terminal is a mobile phone, PDA or PC.

[0019] 在上述公开的方案中,所述账户标识是账户索引号。 [0019] In the disclosed embodiment, the account identifier is an account index.

[0020] 根据本发明的另一个目的,公开一种基于统一个人信息的支付终端,该支付终端包括输入装置、存储装置和交换中心装置,其中, [0020] According to another object of the present invention, discloses a unified personal information based payment terminal, which payment terminal comprises an input means, storage means and switching center apparatus, wherein

所述存储装置存储有统一个人信息和支付密码, The storage device stores a unified personal information and payment password,

所述交换中心装置包括接收装置、校验装置、映射装置、发送装置, The switching center apparatus comprises receiving means, checking means, mapping means, transmitting means,

所述输入装置接收由用户输入的账户标识和交互密码,以及将该账户标识和交互密码发送给接收装置, Means for receiving said input account ID and password input by the user interaction, and the account ID and password for the interaction to a receiving device,

所述映射装置被配置成根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码, The mapping means is configured to generate a payment account number and password as well as the individual with account identification information stored in the storage means,

所述校验装置被配置成校验该交换密码, Said checking means is configured to verify the password exchange,

当校验成功时,所述发送装置被配置成将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 When the verification is successful, the transmitting means is configured to transmit the account number and the password to the payment provider account for payment operation.

[0021] 根据本发明的另一个目的,公开一种基于统一个人信息的支付方法,其特征在于,其中,支付终端包括输入装置、存储装置和交换中心装置,所述交换中心装置包括接收装置、校验装置、映射装置、发送装置,该方法包括以下步骤: [0021] According to another object of the present invention, discloses a method of payment based on the individual with information, wherein, wherein the payment terminal comprises an input device, a storage device and a switching center apparatus, said apparatus comprising a switching center receiving means, checking means, mapping means, transmitting means, the method comprising the steps of:

在存储装置存储统一个人信息和支付密码, Unified payment password and personal information stored in the storage device,

通过输入装置输入账户标识和交互密码, Through the input account ID and password interaction means,

通过接收装置接收该账户标识和交互密码 By receiving means receives the account ID and password interaction

通过映射装置根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码, 通过校验装置校验该交换密码, Passwords and payment account number generated according to the uniform personal information and account identification stored in the storage means by the mapping means, the switching by checking the password checking means,

当校验成功时,通过所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 When the verification is successful, the provider via said transmitting means transmits said payment account number and password to the account for payment operation.

[0022] 本发明的技术方案无需提供具体的银行账号或第三方支付账号,而是通过一个统一的个人信息以及账号标识来实现支付。 [0022] aspect of the present invention without providing a specific bank account or third party payment account, but to achieve a unified pay by personal information and account identification. 与现有的各种支付方式相比,本发明的技术方案支持多账户的整合,即支持传统金融账户,也支持第三方机构的虚拟账户。 Compared with the existing variety of payment methods, techniques of the present invention supports the integration of accounts, which is to support traditional financial accounts, also supports virtual account third-party organizations. 本发明的技术方案使得支付过程更加便捷和安全。 Aspect of the present invention makes the payment process more convenient and secure.

附图说明 BRIEF DESCRIPTION

[0023] 在参照附图阅读了本发明的具体实施方式以后,本领域技术人员将会更清楚地了解本发明的各个方面。 [0023] In the accompanying drawings with reference to specific embodiments of the present invention after skilled in the art will be more clearly understand the various aspects of the invention. 本领域技术人员应当理解的是,这些附图仅仅用于配合具体实施方式说明本发明的技术方案,而并非意在对本发明的保护范围构成限制。 Those skilled in the art will appreciate that these drawings are for the techniques described with particular embodiments of the invention, and are not intended to limit the scope of protection of the present invention.

[0024] 图1是根据本发明实施例的基于统一个人信息的支付系统的示意图。 [0024] FIG. 1 is a schematic diagram of the payment system based on personal information in a unified embodiment of the present invention.

[0025] 图2是根据本发明实施例的基于统一个人信息的支付方法的步骤示意图。 [0025] FIG. 2 is a schematic illustration of a method of payment based on uniform step personal information to an embodiment of the present invention.

具体实施方式 Detailed ways

[0026] 下面参照附图,对本发明的具体实施方式作进一步的详细描述。 [0026] Referring to the drawings, specific embodiments of the present invention will be further described in detail.

[0027] 图1是根据本发明实施例的基于统一个人信息的支付系统的示意图。 [0027] FIG. 1 is a schematic diagram of the payment system based on personal information in a unified embodiment of the present invention. 如图1所示,基于统一个人信息的支付系统包括支付终端和交换中心装置,其中交换中心装置包括接收装置、映射装置、发送装置以及可选的校验装置。 1, the payment system based on a uniform personal information switching center and the payment terminal device, wherein the switching means comprises a central receiving means, a mapping means, and optionally means transmits the verification means. 在该实施例中,该支付终端被配置成向交换中心装置传输统一个人信息、账户标识和支付密码。 In this embodiment, the payment terminal is configured to uniform the personal information transferred to the switching center, the account identifier and the payment password. 这里,统一个人信息用于唯一标识用户,例如用户的身份证号码;账户标识用来关联用户的账户号码,账户标识可以是任意的由用户自定义的符号以在用户的多个账户之间进行区别。 Here, the individual with information for uniquely identifying a user, such as a user ID number; identifier for an account associated with the user's account number, account identification symbol may be any customized by the user to perform a plurality of accounts between users the difference. 例如,账户标识可以是数字格式的账户索引号,当然也可以是账户的名称。 For example, the account ID can be in digital format index number of the account, of course, also be the name of the account. 支付密码对应于该账户标识所属的账户提供方。 Payment password corresponding to the account to the account ID belongs provider. 接收装置被配置成从支付终端接收统一个人信息、账户标识和支付密码。 Receiving means configured to receive a unified personal information, account ID and password from the payments payment terminal. 这里,支付终端和交换中心装置可以通过网络进行通信,由此接收装置可以经由有线或者无线网络远程地从支付终端接收统一个人信息、账户标识和支付密码。 Here, the switching center and the payment terminal device can communicate over the network, whereby the receiving means may receive information from the individual with the payment terminal via a wired or wireless network remotely, the account identifier and the payment password. 映射装置被配置成根据统一个人信息和账户标识映射账户号码,以及确认账户提供方。 Mapping means is configured to provide a unified way in accordance with the personal information and account identification mapping account number, and account confirmation. 例如,映射装置可以在存储装置中预先存储统一个人信息、账户标识和账户号码的映射关系,由此映射装置还可以根据统一个人信息和账户标识在存储装置中进行账户号码的匹配,从而确定账户号码,再由该账户号码确认账户提供方。 For example, the mapping means may be previously stored personal information in a unified storage device, the mapping relationship between account ID and account number, whereby the apparatus may also map matching account number in the storage means in accordance with the unified personal information and account identification, to determine the account number, and then confirm the account number of the account provider. 这里,账户号码可以是真实银行账户号码或者虚拟账户号码发送装置被配置成将账户号码和支付密码发送给账户提供方以进行支付操作。 Here, account number, bank account number may be a real or virtual account number to send the device is configured to send the account number and password to the account payment provider for payment operations. 在该实施例中,交换中心装置可以统一处理来自多个用户的统一个人信息、账户标识和支付密码。 In this embodiment, the switching center apparatus may be unified unitary personal information from a plurality of users, account identifier and the payment password.

[0028] 在另一个实施例中,该支付终端进一步被配置成连同统一个人信息、账户标识和支付密码一起向交换中心装置发送交换密码。 [0028] In another embodiment, the payment terminal is further configured to unity together with personal information, account ID and password are sent to exchange payment to the switching center apparatus together with the password. 当支付终端和交换中心通过诸如无线网络等介质进行远程通信时,该交换密码被进一步用于验证用户的合法性,提高支付过程的安全性。 When the switching center and the payment terminal for remote communication medium such as wireless networks, the exchange of the password is used to verify the legitimacy of the user further improve the security of the payment process. 由此,交换中心装置还可以进一步包括校验装置,校验装置被配置成验证交换密码。 Thus, the switching center apparatus may further comprise checking means checking means is configured to verify password exchange. 发送装置被配置成在校验装置校验成功后才将账户号码和支付密码发送给账户提供方以进行支付操作。 Transmitting means configured to transmit only after successful verification device for verifying the payment account number and password to the account provider for payment operation. [0029] 在另一个实施例中,交换中心装置被设置在支付终端内部,支付终端和交换中心装置电耦合并通过电路进行通信。 [0029] In another embodiment, the switching means is provided in the interior of the central payment terminal, and the payment terminal electrically coupled to the switching center apparatus through the communication circuit and. 支付终端可以是手机、PDA或者PC机。 Payment terminal may be a mobile phone, PDA or PC. 在一个示例中,支付终端为手机,交换中心装置被设置在手机内部。 In one example, the payment terminal is a mobile phone switching center means is provided inside the mobile phone. 由此,可以通过手机的菜单选择账户标识或者输入账户标识、统一个人信息以及支付密码,该输入的账户标识和统一个人信息由设置在手机内部的交换中心装置映射成账户号码,并将该生成的帐户号码和支付密码一起发送给账户提供方。 Thereby, the mobile phone can be identified by menu selection or enter an account identification account, personal information and payment password uniform, the input account ID and unified by the personal information provided inside the mobile phone switching center apparatus is mapped to the account number, and the generated sent with the account number and password to pay providers to account. 在该实施例中,不必通过远程通信就可以完成近场支付过程,因此进一步提高了支付的便捷性。 In this embodiment, without going through the remote near field communication to be completed the payment process, thus further improving the convenience in payment. 在一个示例中,所述交换中心装置可以是被插入在支付终端的智能芯片卡,在一个实例中,所述交换中心装置可以是手机SIM卡。 In one example, the switching center apparatus may be inserted in the smart chip card payment terminal, in one example, the means may be a switching center mobile phone SIM card.

[0030] 在近场模式下,由于支付终端是属于个人专用的,因此对个人而言,安全性是可以被依赖的。 [0030] In near field mode, since the payment terminal belonging to dedicated personal, so for individuals, security can be relied upon. 因此,前述提到的三个信息中其中两个:统一个人信息以及支付密码可以以加密方式存储在支付终端内,用户在支付时,只需在支付终端界面上选择或输入账户标识及交换密码(非支付密码),由内置在支付终端内的交换中心装置根据存储的统一个人信息及账户标识映射还原真实的支付账号和支付密码,并通过交换密码方式进行安全验证。 Thus, the mentioned three information wherein two: Uniform personal information and payment password stored in encrypted form in the payment terminal, the user at the time of payment, the payment only in selection terminal interface or input account ID and password exchange (non-payment password), built by the switching center in the payment terminal device identity mapping restore the true payment accounts and payment password stored according to unified personal information and accounts, and password security authentication by way of exchange. 这种方式进一步提升了便捷性(只需通过账户标识选择支付账号,输入交换密码;无需记忆多个支付账号的各不相同的支付密码,而只需输入统一的交换密码),以及一定程度上的安全性(在支付终端界面上输入的是交换密码,而非支付密码,避免了被窥视导致的密码泄漏)。 In this way further improved (just select the payment account by account ID, password input switching; no need to vary the payment password remember multiple payment accounts, and simply enter the unified exchange password) convenience, and to a certain extent security (entered on the payment terminal interface is password exchange, rather than payment password, the password to avoid the prying eyes caused by leakage).

[0031] 因此,在另一个替换实施例中,支付终端可以包括输入装置、存储装置和交换中心装置,交换中心装置包括接收装置、校验装置、映射装置、发送装置。 [0031] Thus, in another alternative embodiment, the payment terminal may comprise an input means, storage means and means switching center, the switching center apparatus comprises a receiving means, checking means, mapping means, transmitting means. 其中,存储装置存储有统一个人信息和支付密码,优选地,以加密方式存储在存储装置中。 Wherein the storage means stores personal information and payment password uniform, preferably, stored in encrypted form in the storage means. 输入装置接收由用户输入的账户标识和交互密码,以及将该账户标识和交互密码发送给接收装置。 Account ID and password entered by the user interaction means for receiving input, and the account ID and password transmitted to the receiving interactive device. 映射装置被配置成根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码。 Mapping means is configured to generate a payment account number and password as well as the individual with account identification information stored in the storage means. 校验装置被配置成校验该交换密码。 Verification means configured to verify the password exchange. 当校验成功时,发送装置被配置成将账户号码和支付密码发送给账户提供方以进行支付操作。 When the verification is successful, the transmitting means is configured to transmit payment account number and password to the account provider for payment operation.

[0032] 相应地,在另一个替换实施例中,本发明公开另一种基于统一个人信息的支付方法,方法包括以下步骤:在存储装置存储统一个人信息和支付密码,通过输入装置输入账户标识和交互密码,通过接收装置接收该账户标识和交互密码通过映射装置根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码,通过校验装置校验该交换密码,当校验成功时,通过发送装置将账户号码和支付密码发送给账户提供方以进行支付操作。 [0032] Accordingly, in a further alternative embodiment, the present invention discloses another method of payment based on a unified personal information, the method comprising the steps of: storing means for storing personal information and payment password uniform, enter the account identification through the input device interaction and password by receiving means receives the account ID and password is generated by the interaction of the individual with the mapping means in accordance with account identification information stored in the storage means, and the payment account number and password, the verification by the verification means exchanging password when verification when successful, the transmitting means transmits the account number and payment password to the account provider for payment operation.

[0033] 可以理解的是,在上述两个实施例中,交换中心装置可以被实现为支付终端内部的计算机程序功能模块。 [0033] It will be appreciated that, in the above two embodiments, the switching center apparatus may be implemented as a computer program payment function module inside the terminal.

[0034] 图2是根据本发明实施例的基于统一个人信息的支付方法的步骤示意图。 [0034] FIG. 2 is a schematic illustration of a method of payment based on uniform step personal information to an embodiment of the present invention. 公开的基于统一个人信息的支付方法,包括以下步骤:传输统一个人信息、账户标识和支付密码的步骤,在该步骤中,利用支付终端向所述交换中心装置传输统一个人信息、账户标识和支付密码。 Based on the payment method disclosed unified personal information, comprising the following steps: the step of transmitting a unified personal information, account identifier and the payment password, in this step, the payment terminal device transmits a unified switching center to the personal information, account identifier and the payment password. 接收统一个人信息、账户标识和支付密码的步骤,在该步骤中,由所述接收装置从所述支付终端接收所述统一个人信息、账户标识和支付密码。 Step unified received personal information, account ID and password of the payment, in this step, by said receiving means receives the uniform personal information, account ID and password payment from the payment terminal. 交换中心装置包括接收装置、映射装置、发送装置。 The switching center apparatus comprises a receiving means, a mapping means, transmitting means. 以及,根据统一个人信息和账户标识映射账户号码并确认账户提供方的步骤,在该步骤中,由所述映射装置根据所述统一个人信息和所述账户标识映射账户号码,以及确认账户提供方。 And, according to the uniform mapping the account ID and the personal information and account number the account provider confirmation step, in this step, by said party based on said mapping means providing the individual with information mapping the account ID and account number, and account confirmation . 最后,发送账户号码和支付密码的步骤,在该步骤中,由所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 Finally, the step of transmitting the payment account number and password, in this step, by the transmission means transmits the account number and the password to the payment provider account for payment operation.

[0035] 在一个示例中,所述支付终端和所述交换中心装置通过网络进行通信。 [0035] In one example, the payment terminal and the network communicate through the central switching device. 在另一个示例中,利用支付终端连同统一个人信息、账户标识和支付密码一起向所述交换中心装置发送交换密码,所述交换中心装置还包括校验装置,利用所述校验装置验证所述交换密码,在所述校验装置校验成功后,利用所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 In another example, together with the uniform use of the payment terminal personal information, account ID and password to the payment password sending switching means with said switching center, the switching center apparatus further comprises a checking means, said verification by said verification means password exchange, after said checking means check is successful, the transmitting means using the account number and password are sent to the payment provider to the account for payment operation.

[0036] 通过以上实施方式的描述,本领域的技术人员可以清楚地了解到本发明可借助软件结合硬件平台的方式来实现,当然也可以全部通过硬件或软件来实施。 [0036] The above description of embodiments, those skilled in the art may clearly understand that the present invention may be implemented by means of software in conjunction with hardware platform, and definitely may also be accomplished by hardware or software implemented. 本领域中的普通技术人员能够理解,在不偏离本发明的精神和范围的情况下,还可以对本发明的具体实施方式作各种变更和替换。 In the art it can be understood by one of ordinary skill in the art, without departing from the spirit and scope of the present invention, and various modifications may be made to the alternative embodiment of the present invention. 这些变更和替换都落在本发明权利要求书所限定的范围内。 These modifications and variations fall within the claims of the present invention as defined by the scope of the claims.

Claims (18)

1.一种基于统一个人信息的支付系统,其特征在于,包括支付终端和交换中心装置,其中, 该支付终端被配置成向所述交换中心装置传输统一个人信息、账户标识和支付密码, 所述交换中心装置包括接收装置、映射装置、发送装置, 所述接收装置被配置成从所述支付终端接收所述统一个人信息、账户标识和支付密码, 所述映射装置被配置成根据所述统一个人信息和所述账户标识映射账户号码,以及确认账户提供方, 所述发送装置被配置成将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 A payment system based on uniform personal information, wherein the payment terminal and the switching center comprising means, wherein the payment terminal is configured to transmit the unified switching center means personal information, account ID and payment password, the said switching means comprises a central receiving means, mapping means, transmitting means, said receiving means being configured to receive the payment from the unified terminal personal information, account ID and payment password, the mapping means is configured to operate according to the unified personal information and account number mapping the account ID, account provider and confirmation, the transmitting means is configured to transmit the account number and the password to the payment provider account for payment operation.
2.如权利要求1所述的系统,其特征在于,所述支付终端和所述交换中心装置通过网络进行通信。 2. The system according to claim 1, characterized in that, through the payment network communication terminal and the switching center apparatus.
3.如权利要求2所述的系统,其特征在于, 该支付终端进一步被配置成连同统一个人信息、账户标识和支付密码一起向所述交换中心装置发送交换密码, 所述交换中心装置还包括校验装置, 所述校验装置被配置成验证所述交换密码, 所述发送装置被配置成在所述校验装置校验成功后将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 3. The system according to claim 2, characterized in that the payment terminal is further configured to unity together with personal information, account ID and password to the payment password sending switching means with said switching center, the switching center apparatus further comprises checking means, said checking means is configured to verify the password exchange apparatus configured to transmit to the checking means upon successful verification of the account number and password to the payment provider account of the transmission for payment operations.
4.如权利要求1所述的系统,其特征在于,所述交换中心装置被设置在所述支付终端内部,所述支付终端和所述交换中心装置电耦合并通过电路进行通信。 4. The system according to claim 1, wherein said switching means is provided in the center inside the payment terminal, means electrically coupling the payment terminal and the central exchange and communicate over said circuit.
5.如权利要求1 一4中任意一项所述的系统,其特征在于,所述统一个人信息是个人身份证号码。 The system as claimed in claim any one of claims 1 a 4, characterized in that the personal information is unified personal identification number.
6.如权利要求1 一4中任意一项所述的系统,其特征在于,所述账户号码是真实银行账户号码或者虚拟账户号码。 6. The system of any one of the claims 1 a 4, wherein the account number is real bank account number or a virtual account number.
7.如权利要求1 一4中任意一项所述的系统,其特征在于,所述支付终端是手机、PDA或者PC机。 7. The system according to any one of claims 1 a 4, wherein the payment terminal is a mobile phone, PDA or PC.
8.如权利要求1 一4中任意一项所述的系统,其特征在于,所述账户标识是账户索引号。 The system of any one of claims 1 a as claimed in claim 4, wherein the account identifier is an account index.
9.一种基于统一个人信息的支付方法,其特征在于,包括以下步骤: 利用支付终端向所述交换中心装置传输统一个人信息、账户标识和支付密码, 所述交换中心装置包括接收装置、映射装置、发送装置, 由所述接收装置从所述支付终端接收所述统一个人信息、账户标识和支付密码, 由所述映射装置根据所述统一个人信息和所述账户标识映射账户号码,以及确认账户提供方, 由所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 A unified method of payment based on personal information, characterized by comprising the steps of: using the payment terminal, payment account ID and password of the unified switching center apparatus transmitting personal information, said switching means comprises a central receiving means, a mapping apparatus, transmitting apparatus by the receiving means from the payment terminal receives the unified personal information, account ID and payment password, according to said mapping means by said individual with the account identification information and mapping account number, and a confirmation account providers, transmitted by the transmitting means to the payment of the account number and password to the account provider for payment operation.
10.如权利要求9所述的方法,其特征在于,所述支付终端和所述交换中心装置通过网络进行通信。 10. The method according to claim 9, characterized in that, through the payment network communication terminal and the switching center apparatus.
11.如权利要求10所述的方法,其特征在于,利用支付终端连同统一个人信息、账户标识和支付密码一起向所述交换中心装置发送交换密码, 所述交换中心装置还包括校验装置, 利用所述校验装置验证所述交换密码, 在所述校验装置校验成功后,利用所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 11. The method according to claim 10, characterized in that, together with the uniform use of the payment terminal personal information, account ID and password to the payment together with the switching center apparatus transmitting the password exchange, the switching center apparatus further comprises a calibration device, using the checking means to verify the password exchange, after said checking means check is successful, using said transmission means transmits the account number and the password to the payment provider account for payment operation.
12.如权利要求9所述的方法,其特征在于,所述交换中心装置被设置在所述支付终端内部,所述支付终端和所述交换中心装置电耦合并通过电路进行通信。 12. The method according to claim 9, wherein said switching means is provided in the center inside the payment terminal, means electrically coupling the payment terminal and the central exchange and communicate over said circuit.
13.如权利要求9 一12中任意一项所述的方法,其特征在于,所述统一个人信息是个人身份证号码。 13. The method according to any one of claims 9-12, wherein said personal information is unified personal identification number.
14.如权利要求9 一12中任意一项所述的方法,其特征在于,所述账户号码是真实银行账户号码或者虚拟账户号码。 14. The method according to any one of claims 9-12, wherein the account number is real or a virtual bank account number account number.
15.如权利要求9 一12中任意一项所述的方法,其特征在于,所述支付终端是手机、PDA或者PC机。 15. The method according to any one of claims 9 to 12, characterized in that the payment terminal is a mobile phone, PDA or PC.
16.如权利要求9 一12中任意一项所述的方法,其特征在于,所述账户标识是账户索引号。 16. The method according to any one of claims 9-12, wherein the account identifier is an account index.
17.一种基于统一个人信息的支付终端,其特征在于, 该支付终端包括输入装置、存储装置和交换中心装置,其中, 所述存储装置存储有统一个人信息和支付密码, 所述交换中心装置包括接收装置、校验装置、映射装置、发送装置, 所述输入装置接收由用户输入的账户标识和交互密码,以及将该账户标识和交互密码发送给接收装置, 所述映射装置被配置成根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码, 所述校验装置被配置成校验该交换密码, 当校验成功时,所述发送装置被配置成将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 17. A payment terminal based on a unified personal information, wherein the payment terminal comprises an input means, storage means and switching center apparatus, wherein said storage means stores personal information and payment password uniform, the switching center apparatus comprising receiving means, checking means, mapping means, transmitting means, the interactive input account ID and password input by the user means for receiving, and the account ID and password transmitted to the receiving interactive device, said mapping device is configured in accordance with uniform personal information and account identification stored in the storage means generates payment account number and password, the verification means is configured to verify the password exchange, when the verification is successful, the transmitting means is configured to the account transmitting the payment number and password to the account provider for payment operation.
18.一种基于统一个人信息的支付方法,其特征在于,其中,支付终端包括输入装置、存储装置和交换中心装置,所述交换中心装置包括接收装置、校验装置、映射装置、发送装置,该方法包括以下步骤: 在存储装置存储统一个人信息和支付密码, 通过输入装置输入账户标识和交互密码, 通过接收装置接收该账户标识和交互密码通过映射装置根据账户标识以及存储在存储装置中的统一个人信息产生账户号码和支付密码, 通过校验装置校验该交换密码, 当校验成功时,通过所述发送装置将所述账户号码和所述支付密码发送给账户提供方以进行支付操作。 18. A unified method of payment based on personal information, wherein, wherein the payment terminal comprises an input means, storage means and means switching center, the switching center apparatus comprises receiving means, checking means, mapping means, transmitting means, the method comprises the steps of: storing means for storing the unified personal information and payment password, through the input means inputs an account ID and interaction password, receiving the account ID and interaction password receiving means by mapping means based on the account identifier and stored in the storage means uniform personal information and payment account number generated password through password verification means verifies the exchange, when the verification is successful, to perform the payment operation by said transmitting means transmits said payment account number and password to the account provider .
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