CN103530768A - Mobile communication payment system and cost payment method thereof - Google Patents
Mobile communication payment system and cost payment method thereof Download PDFInfo
- Publication number
- CN103530768A CN103530768A CN201310505486.XA CN201310505486A CN103530768A CN 103530768 A CN103530768 A CN 103530768A CN 201310505486 A CN201310505486 A CN 201310505486A CN 103530768 A CN103530768 A CN 103530768A
- Authority
- CN
- China
- Prior art keywords
- payment
- mobile communication
- communication terminal
- receipt
- payer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a mobile communication payment system. The mobile communication payment system comprises a payment management platform, a bank system and a plurality of mobile communication terminals, wherein the payment management platform comprises a payment enterprise bus as well as an account information server and a payment management server which are connected with the payment enterprise bus, and the payment enterprise bus is connected with the bank system through a bank special line; each mobile communication terminal comprises a main board as well as a wifi module, a Bluetooth module, a data transmission interface and a headset jack which are connected with the main board; and the payment management platform and the mobile communication terminals are provided with wireless communication modules, the wireless communication module of the payment management platform is connected with the payment enterprise bus, and the wireless communication modules of the mobile communication terminals are connected with the main board. The invention further discloses a cost payment method of the mobile communication payment system. The system is simple in whole structure, convenient to realize, low in cost, convenient to carry and applicable to personal cost payment, and communication is encrypted through the payment management server during payment, so that the security is high.
Description
Technical field
The present invention relates to electronic fare payment system, specifically mobile communication payment system and for the method for reimbursement of expense.
Background technology
Along with social development, in transaction, conveniently the modes of payments is more and more subject to people's favor, usually can be applied to machine for punching the card and money machine now in transaction, during transaction, by swiping the card, can complete E-Payment.Yet there is following defect in existing machine for punching the card and money machine: one, adopt input password type machine for punching the card or money machine to carry out trading, be prone to the stolen situation of password, have potential safety hazard; Two, adopt directly swipe the card type machine for punching the card or money machine to conclude the business, do not need to input password, payment is generally determined, is not easy to the payment of multiple number; Three, existing machine for punching the card or money machine are all not easy to carry, and it is not easy to carry out individual to individual trading, have transaction limitation.
Summary of the invention
The object of the invention is to overcome the deficiencies in the prior art, provide a kind of and be easy to carry, safe and can meet the mobile communication payment system that the input amount of money pays in real time, the invention also discloses this mobile communication payment system for the method for reimbursement of expense.
Object of the present invention is achieved through the following technical solutions: mobile communication payment system, comprise payment management platform, banking system and a plurality of mobile communication terminal, described payment management platform comprise pay enterprise's bus and with the accounts information server and the payment management that pay enterprise's bus and be connected, described accounts information server is for the accounts information of storing mobile communication terminal, payment management is for payer mobile communication terminal, between receipt and payment side's mobile communication terminal and banking system, carry out communication and make steering order, described payment enterprise bus is connected with banking system by bank's special line, the wifi module that described mobile communication terminal comprises mainboard and is connected with mainboard, bluetooth module, data transmission interface, earphone jack, described payment management platform and mobile communication terminal are equipped with wireless communication module, the wireless communication module of payment management platform with pay enterprise's bus and be connected, the wireless communication module of mobile communication terminal is connected with mainboard.
Further, described payment management platform also comprises and the payment log server for store transaction logs that pays enterprise's bus and be connected.
Further, described mobile communication terminal is mobile phone or computer.Equipment because existing mobile phone and computer are carried often for people's trip, will the present invention is based on mobile phone or computer and apply, more convenient when the present invention is applied.
Mobile communication payment system, for the method for reimbursement of expense, comprises the following steps:
Step 1, payer mobile communication terminal and receipt and payment side's mobile communication terminal are all registered in payment management platform, the accounts information of all registration mobile communication terminals of accounts information server stores in payment management platform, wherein, accounts information server guarantees that each account of the accounts information of storage in it is unique;
Step 2, equal accounts information separately of login on payer mobile communication terminal and on receipt and payment side's mobile communication terminal, make payer mobile communication terminal and receipt and payment side's mobile communication terminal all set up wireless connections with payment management platform;
Step 3, payer mobile communication terminal and the mobile communication terminal identification of receipt and payment side pay object and payment;
Step 4, payment management are obtained the accounts information of payer mobile communication terminal, accounts information and the payment of receipt and payment side's mobile communication terminal;
Step 5, payment management are sent to banking system by the accounts information of the accounts information of payer mobile communication terminal, receipt and payment side's mobile communication terminal and payment by bank's special line;
Step 6, banking system judge that in payer mobile communication terminal, whether the amount of money is sufficient, if inadequate, stop transferring accounts, by pay unsuccessful information because of insufficient in amount, feed back to payment management, after being encrypted by payment management again, feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal, if amount of money abundance completes and transfers accounts, and the successful information of transferring accounts feeds back to payment management, then feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal after being encrypted by payment management.Wherein, after completing once registration, follow-up, can dispense step 1 during for reimbursement of expense.
Further, the identification that pays object in described step 3 comprises the following steps: payer mobile communication terminal and receipt and payment side's mobile communication terminal are all opened wifi module or bluetooth module simultaneously, mobile communication terminal device in payer mobile communication terminal or receipt and payment side's mobile communication terminal search certain limit, finds the other side and connects.The present invention can realize in the following manner when specifically connecting: payer and receipt and payment side are simultaneously by certain numeral, the letter of individual mobile communication terminal or shake mobile phone, by near the mobile phone inquiry of wifi module/bluetooth module, whether press same key, the mobile phone of simultaneously pressing same key is listed, and list corresponding account, if any a plurality of, press the correct payment object account of manual selection simultaneously.
The first embodiment of assert as payment of the present invention, in described step 3, the identification of payment comprises the following steps:
Step a.1, adopt a data lines, two ends connect respectively the earphone jack of confirmation transmit leg and confirmation take over party's data-interface, wherein, in payer mobile communication terminal and receipt and payment side's mobile communication terminal, any one party is as confirmation transmit leg, and the opposing party is as confirmation take over party;
Step a.2, confirmation transmit leg encodes its accounts information and payment modulate into music, then playing to confirmation take over party by its earphone jack;
Step a.3, confirmation take over party includes music by its data-interface, and by the music demodulating and decoding of including, be confirmed account and the payment information of information sender, payer assert that whether account and the payment information of confirmation transmit leg is correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong, send and assert that failed feedback information is to confirmation transmit leg, more again assert or recall.
The second embodiment of assert as payment of the present invention, in described step 3, the identification of payment comprises the following steps: adopt a data lines, two ends connect respectively the data-interface of payer mobile communication terminal and the data-interface of receipt and payment side's mobile communication terminal, payer mobile communication terminal and receipt and payment side's mobile communication terminal are respectively as confirmation transmit leg and confirmation take over party, confirmation transmit leg sends its accounts information and payment to confirmation take over party, confirmation take over party assert the account of confirmation transmit leg and payment information whether correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong transmission assert that failed feedback information is to confirmation transmit leg, again assert again or recall.
Further, the accounts information of described mobile communication terminal comprises account, the pet name, password and cell-phone number.
Further, in described step 4, payment management is obtained accounts information and payment comprises the following steps:
Step b.1, receipt and payment side's mobile communication terminal will the payer mobile communication terminal accounts information obtaining and payment be sent to payment management after encrypting;
Step b.2, payment management is after the deciphering of the payment of obtaining and receipt and payment side's mobile communication terminal accounts information, then encrypt and be sent to payer mobile communication terminal;
Step b.3, payer mobile communication terminal is decrypted the payment receiving and receipt and payment side's mobile communication terminal accounts information, judge that whether receipt and payment side's mobile communication terminal accounts information and payment be correct, and the information encryption after judgement is fed back to payment management;
Step b.4, payment management receives payer mobile communication terminal feedack and be decrypted, if payment and receipt and payment side's mobile communication terminal accounts information mistake, send miscue information to payer mobile communication terminal and receipt and payment side's mobile communication terminal, payment process finishes, if payment and receipt and payment side's mobile communication terminal accounts information are correct, enter next step.
Further, described step b.1～step b.4 in ciphering process adopt rivest, shamir, adelman.
Compared with prior art, the present invention has following beneficial effect: (1) mobile communication terminal of the present invention comprises mainboard and wifi module, bluetooth module, data transmission interface, earphone jack and wireless communication module, one-piece construction is simple, be convenient to realize, cost is low, and mobile communication terminal of the present invention can be realized based on mobile phone or computer, it is convenient to carry, not only can be used for business to business and B to C's payment, also can be used for individual to individual payment, easy to utilize.
(2) when the present invention applies, when accounts information and payment confirmation, can realize by bluetooth module or wifi module, but enciphered message communication when carrying out carrying out communication between concrete Zhi Fuyu payment management, the present invention transfers to payment management and banking system to carry out payment process, safe.
Accompanying drawing explanation
Fig. 1 is the structural representation of mobile communication payment system in the present invention;
Fig. 2 is the structural representation of mobile communication terminal in the present invention;
Fig. 3 is the operational flowchart of the present invention during for reimbursement of expense.
Embodiment
Below in conjunction with embodiment and accompanying drawing, the present invention is described in further detail, but embodiments of the present invention are not limited to this.
Embodiment 1
As shown in Figures 1 and 2, mobile communication payment system, comprise payment management platform, banking system and mobile communication terminal, wherein, the quantity of mobile communication terminal is a plurality of, mobile communication terminal is realized based on mobile phone or computer, payment management platform comprises payment enterprise bus accounts information server, payment management and payment log server, accounts information server, payment management and pay log server and be all connected with payment enterprise bus, accounts information server is for the accounts information of storing mobile communication terminal, the accounts information of mobile communication terminal comprises account, the pet name, password and cell-phone number, accounts information server guarantees the corresponding account of each mobile communication terminal, the pet name and cell-phone number are unique within it, payment management is for payer mobile communication terminal, between receipt and payment side's mobile communication terminal and banking system, carry out communication and make steering order.Pay enterprise's bus and be connected with banking system by bank's special line, wifi module, bluetooth module, data transmission interface, earphone jack that mobile communication terminal comprises mainboard and is connected with mainboard.Payment management platform and mobile communication terminal are equipped with wireless communication module, the wireless communication module of payment management platform with pay enterprise's bus and be connected, the wireless communication module of mobile communication terminal is connected with mainboard.In order to improve security, payment management platform also comprises and the payment enterprise firewall that pays enterprise's bus and be connected.
As shown in Figure 3, mobile communication payment system, for the method for reimbursement of expense, comprises the following steps: step 1, in payment management platform, register mobile communication terminal accounts information, and login; Step 2, the identification of payment object; Step 3, payment identification; Step 4, confirmation pay; Step 5, pay and send pay success or not information to payer mobile communication terminal and receipt and payment side's mobile communication terminal.Wherein, while registering mobile communication terminal accounts information in payment management platform, the accounts information of all registration mobile communication terminals of accounts information server stores in payment management platform, wherein, accounts information server guarantees that each account of the accounts information of storage in it is unique.On payer mobile communication terminal and on receipt and payment side's mobile communication terminal, all login accounts information separately, make payer mobile communication terminal and receipt and payment side's mobile communication terminal all set up wireless connections with payment management platform;
Detailed process while paying object identification in the present embodiment is: payer mobile communication terminal and receipt and payment side's mobile communication terminal are all opened wifi module or bluetooth module simultaneously, mobile communication terminal device in payer mobile communication terminal or receipt and payment side's mobile communication terminal search certain limit, finds the other side and connects.
The detailed process of carrying out payment identification in the present embodiment is: adopt a data lines, two ends connect respectively the earphone jack of confirmation transmit leg and confirmation take over party's data-interface, wherein, in payer mobile communication terminal and receipt and payment side's mobile communication terminal, any one party is as confirmation transmit leg, and the opposing party is as confirmation take over party; Confirmation transmit leg is encoded its accounts information and payment modulate into music, then plays to confirmation take over party by its earphone jack; Confirmation take over party includes music by its data-interface, and by the music demodulating and decoding of including, be confirmed account and the payment information of information sender, payer assert that whether account and the payment information of confirmation transmit leg is correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong, send and assert that failed feedback information is to confirmation transmit leg, more again assert or recall.
In the present embodiment, confirm that the detailed process paying is: receipt and payment side's mobile communication terminal will be sent to payment management after the payer mobile communication terminal accounts information obtaining and payment encryption; Payment management is by after the payment of obtaining and the deciphering of receipt and payment side's mobile communication terminal accounts information, then encryption is sent to payer mobile communication terminal; Payer mobile communication terminal is decrypted the payment receiving and receipt and payment side's mobile communication terminal accounts information, judge that whether receipt and payment side's mobile communication terminal accounts information and payment be correct, and the information encryption after judgement is fed back to payment management; Payment management receives payer mobile communication terminal feedack and is decrypted, if payment and receipt and payment side's mobile communication terminal accounts information mistake, send miscue information to payer mobile communication terminal and receipt and payment side's mobile communication terminal, payment process finishes, if payment and receipt and payment side's mobile communication terminal accounts information are correct, by payment management, the accounts information of the accounts information of payer mobile communication terminal, receipt and payment side's mobile communication terminal and payment are sent to banking system by bank's special line.Wherein, the ciphering process in confirming payment process adopts rivest, shamir, adelman, and the present embodiment preferably adopts RSA Algorithm.
Security while applying in order to improve the present embodiment, in payer mobile communication terminal judgement receipt and payment side's mobile communication terminal accounts information and payment when correct, payment management platform sends a string information to payer mobile communication terminal, user carries out simple algorithm or calculates being sent to payment management platform by payer mobile communication terminal by this information, complete after the reaffirming of information, by payment management, to banking system, send information.In confirmation process, algorithm can be as follows: payment management platform sends string number string to user, by user, finds out certain numerical value at particular location the input validation of this string numeric string.
The present embodiment pays and sends the information that pays success or not to the detailed process of payer mobile communication terminal and receipt and payment side's mobile communication terminal: banking system judge in payer mobile communication terminal whether abundance of the amount of money, if inadequate, stop transferring accounts, by pay unsuccessful information because of insufficient in amount, feed back to payment management, after being encrypted by payment management again, feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal, if amount of money abundance completes and transfers accounts, and the successful information of transferring accounts feeds back to payment management, after being encrypted by payment management again, feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal.
Embodiment 2
The present embodiment is that from the difference of embodiment 1 identifying way of payment is different, in the present embodiment, the identification of payment comprises the following steps: adopt a data lines, two ends connect respectively the data-interface of payer mobile communication terminal and the data-interface of receipt and payment side's mobile communication terminal, payer mobile communication terminal and receipt and payment side's mobile communication terminal are respectively as confirmation transmit leg and confirmation take over party, confirmation transmit leg sends its accounts information and payment to confirmation take over party, confirmation take over party assert the account of confirmation transmit leg and payment information whether correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong transmission assert that failed feedback information is to confirmation transmit leg, again assert again or recall.
Above content is the further description of the present invention being done in conjunction with concrete preferred implementation, can not assert that the specific embodiment of the present invention is confined to these explanations.For general technical staff of the technical field of the invention, not departing from other embodiments that draw under technical scheme of the present invention, all should be included in protection scope of the present invention.
Claims (10)
1. mobile communication payment system, it is characterized in that, comprise payment management platform, banking system and a plurality of mobile communication terminal, described payment management platform comprise pay enterprise's bus and with the accounts information server and the payment management that pay enterprise's bus and be connected, described accounts information server is for the accounts information of storing mobile communication terminal, payment management is for payer mobile communication terminal, between receipt and payment side's mobile communication terminal and banking system, carry out communication and make steering order, described payment enterprise bus is connected with banking system by bank's special line, the wifi module that described mobile communication terminal comprises mainboard and is connected with mainboard, bluetooth module, data transmission interface, earphone jack, described payment management platform and mobile communication terminal are equipped with wireless communication module, the wireless communication module of payment management platform with pay enterprise's bus and be connected, the wireless communication module of mobile communication terminal is connected with mainboard.
2. mobile communication payment system according to claim 1, is characterized in that, described payment management platform also comprises and the payment log server for store transaction logs that pays enterprise's bus and be connected.
3. mobile communication payment system according to claim 1 and 2, is characterized in that, described mobile communication terminal is mobile phone or computer.
4. mobile communication payment system, for the method for reimbursement of expense, is characterized in that, comprises the following steps:
Step 1, payer mobile communication terminal and receipt and payment side's mobile communication terminal are all registered in payment management platform, the accounts information of all registration mobile communication terminals of accounts information server stores in payment management platform, wherein, accounts information server guarantees that each account of the accounts information of storage in it is unique;
Step 2, equal accounts information separately of login on payer mobile communication terminal and on receipt and payment side's mobile communication terminal, make payer mobile communication terminal and receipt and payment side's mobile communication terminal all set up wireless connections with payment management platform;
Step 3, payer mobile communication terminal and the mobile communication terminal identification of receipt and payment side pay object and payment;
Step 4, payment management are obtained the accounts information of payer mobile communication terminal, accounts information and the payment of receipt and payment side's mobile communication terminal;
Step 5, payment management are sent to banking system by the accounts information of the accounts information of payer mobile communication terminal, receipt and payment side's mobile communication terminal and payment by bank's special line;
Step 6, banking system judge that in payer mobile communication terminal, whether the amount of money is sufficient, if inadequate, stop transferring accounts, by pay unsuccessful information because of insufficient in amount, feed back to payment management, after being encrypted by payment management again, feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal, if amount of money abundance completes and transfers accounts, and the successful information of transferring accounts feeds back to payment management, then feed back to payer mobile communication terminal and receipt and payment side's mobile communication terminal after being encrypted by payment management.
5. mobile communication payment system according to claim 4 is for the method for reimbursement of expense, it is characterized in that, the identification that pays object in described step 3 comprises the following steps: payer mobile communication terminal and receipt and payment side's mobile communication terminal are all opened wifi module or bluetooth module simultaneously, mobile communication terminal device in payer mobile communication terminal or receipt and payment side's mobile communication terminal search certain limit, finds the other side and connects.
6. mobile communication payment system according to claim 4, for the method for reimbursement of expense, is characterized in that, in described step 3, the identification of payment comprises the following steps:
Step a.1, adopt a data lines, two ends connect respectively the earphone jack of confirmation transmit leg and confirmation take over party's data-interface, wherein, in payer mobile communication terminal and receipt and payment side's mobile communication terminal, any one party is as confirmation transmit leg, and the opposing party is as confirmation take over party;
Step a.2, confirmation transmit leg encodes its accounts information and payment modulate into music, then playing to confirmation take over party by its earphone jack;
Step a.3, confirmation take over party includes music by its data-interface, and by the music demodulating and decoding of including, be confirmed account and the payment information of information sender, payer assert that whether account and the payment information of confirmation transmit leg is correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong, send and assert that failed feedback information is to confirmation transmit leg, more again assert or recall.
7. mobile communication payment system according to claim 4 is for the method for reimbursement of expense, it is characterized in that, in described step 3, the identification of payment comprises the following steps: adopt a data lines, two ends connect respectively the data-interface of payer mobile communication terminal and the data-interface of receipt and payment side's mobile communication terminal, payer mobile communication terminal and receipt and payment side's mobile communication terminal are respectively as confirmation transmit leg and confirmation take over party, confirmation transmit leg sends its accounts information and payment to confirmation take over party, confirmation take over party assert the account of confirmation transmit leg and payment information whether correct, if correctly send, assert that successful feedback information is to confirmation transmit leg, complete identification, if wrong transmission assert that failed feedback information is to confirmation transmit leg, again assert again or recall.
8. mobile communication payment system according to claim 4, for the method for reimbursement of expense, is characterized in that, the accounts information of described mobile communication terminal comprises account, the pet name, password and cell-phone number.
According to the mobile communication payment system described in any one in claim 4～8 for the method for reimbursement of expense, it is characterized in that, in described step 4, payment management is obtained accounts information and payment comprises the following steps:
Step b.1, receipt and payment side's mobile communication terminal will the payer mobile communication terminal accounts information obtaining and payment be sent to payment management after encrypting;
Step b.2, payment management is after the deciphering of the payment of obtaining and receipt and payment side's mobile communication terminal accounts information, then encrypt and be sent to payer mobile communication terminal;
Step b.3, payer mobile communication terminal is decrypted the payment receiving and receipt and payment side's mobile communication terminal accounts information, judge that whether receipt and payment side's mobile communication terminal accounts information and payment be correct, and the information encryption after judgement is fed back to payment management;
Step b.4, payment management receives payer mobile communication terminal feedack and be decrypted, if payment and receipt and payment side's mobile communication terminal accounts information mistake, send miscue information to payer mobile communication terminal and receipt and payment side's mobile communication terminal, payment process finishes, if payment and receipt and payment side's mobile communication terminal accounts information are correct, enter next step.
10. mobile communication payment system according to claim 9, for the method for reimbursement of expense, is characterized in that, described step b.1～step b.4 in ciphering process adopt rivest, shamir, adelman.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310505486.XA CN103530768A (en) | 2013-10-24 | 2013-10-24 | Mobile communication payment system and cost payment method thereof |
| PCT/CN2014/084333 WO2015058576A1 (en) | 2013-10-24 | 2014-08-14 | Mobile communications payment system and expenditure payment method therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310505486.XA CN103530768A (en) | 2013-10-24 | 2013-10-24 | Mobile communication payment system and cost payment method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103530768A true CN103530768A (en) | 2014-01-22 |
Family
ID=49932758
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310505486.XA Pending CN103530768A (en) | 2013-10-24 | 2013-10-24 | Mobile communication payment system and cost payment method thereof |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN103530768A (en) |
| WO (1) | WO2015058576A1 (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103945321A (en) * | 2014-04-18 | 2014-07-23 | 小米科技有限责任公司 | Method and device for resource transferring |
| WO2015058576A1 (en) * | 2013-10-24 | 2015-04-30 | 成都衔石科技有限公司 | Mobile communications payment system and expenditure payment method therefor |
| CN104616149A (en) * | 2015-02-06 | 2015-05-13 | 清华大学 | Bluetooth technology and biometric feature recognition based payment method and system |
| CN104794612A (en) * | 2015-04-30 | 2015-07-22 | 人人聘(北京)网络科技有限公司 | Communication terminal, communication system and method for quick payment |
| CN105205656A (en) * | 2014-06-30 | 2015-12-30 | 深圳市同洲电子股份有限公司 | Shopping payment method and system |
| CN106796687A (en) * | 2015-03-24 | 2017-05-31 | 吉尼股份有限公司 | Use the payment processing system and its method of encryption payment information |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101990772A (en) * | 2008-04-02 | 2011-03-23 | 环球1企业公司 | Transaction server configured to authorize payment transactions using mobile telephone devices |
| CN202548909U (en) * | 2012-04-27 | 2012-11-21 | 深圳市神州海纳科技有限公司 | Mobile payment device based on tablet personal computer |
| US20130103511A1 (en) * | 2007-11-30 | 2013-04-25 | Blaze Mobile, Inc. | Online shopping using nfc and a point-of-sale terminal |
Family Cites Families (4)
| 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 |
| PT105677A (en) * | 2011-05-06 | 2012-11-06 | Manuel Janssen Valadas Preto | TELEMATIC PAYMENT CARD |
| CN102496125A (en) * | 2011-12-21 | 2012-06-13 | 成都英黎科技有限公司 | Transferring method and system based on mobile terminal |
| CN103530768A (en) * | 2013-10-24 | 2014-01-22 | 成都衔石科技有限公司 | Mobile communication payment system and cost payment method thereof |
-
2013
- 2013-10-24 CN CN201310505486.XA patent/CN103530768A/en active Pending
-
2014
- 2014-08-14 WO PCT/CN2014/084333 patent/WO2015058576A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130103511A1 (en) * | 2007-11-30 | 2013-04-25 | Blaze Mobile, Inc. | Online shopping using nfc and a point-of-sale terminal |
| CN101990772A (en) * | 2008-04-02 | 2011-03-23 | 环球1企业公司 | Transaction server configured to authorize payment transactions using mobile telephone devices |
| CN202548909U (en) * | 2012-04-27 | 2012-11-21 | 深圳市神州海纳科技有限公司 | Mobile payment device based on tablet personal computer |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015058576A1 (en) * | 2013-10-24 | 2015-04-30 | 成都衔石科技有限公司 | Mobile communications payment system and expenditure payment method therefor |
| CN103945321A (en) * | 2014-04-18 | 2014-07-23 | 小米科技有限责任公司 | Method and device for resource transferring |
| CN103945321B (en) * | 2014-04-18 | 2017-10-20 | 小米科技有限责任公司 | The method and apparatus of resource transfers |
| CN105205656A (en) * | 2014-06-30 | 2015-12-30 | 深圳市同洲电子股份有限公司 | Shopping payment method and system |
| CN104616149A (en) * | 2015-02-06 | 2015-05-13 | 清华大学 | Bluetooth technology and biometric feature recognition based payment method and system |
| CN104616149B (en) * | 2015-02-06 | 2018-05-29 | 清华大学 | Method of payment and system based on Bluetooth technology and living things feature recognition |
| CN106796687A (en) * | 2015-03-24 | 2017-05-31 | 吉尼股份有限公司 | Use the payment processing system and its method of encryption payment information |
| CN106796687B (en) * | 2015-03-24 | 2021-08-13 | 吉尼股份有限公司 | Payment processing system using encrypted payment information and method thereof |
| CN104794612A (en) * | 2015-04-30 | 2015-07-22 | 人人聘(北京)网络科技有限公司 | Communication terminal, communication system and method for quick payment |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2015058576A1 (en) | 2015-04-30 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102737308B (en) | The method and system of a kind of mobile terminal and inquiry smart card information thereof | |
| CN104050567B (en) | Data interactive method, terminal and server under off-line mode | |
| CN103123706A (en) | Management method, device and system of bill payment for another | |
| CN103530768A (en) | Mobile communication payment system and cost payment method thereof | |
| CN103699989A (en) | Payment platform and payment method on basis of intelligent equipment | |
| CN104751334A (en) | Service processing method, device and system | |
| CN103617532A (en) | Offline payment and collection method and device for mobile terminals | |
| CN102194178A (en) | Payment processing system, method and device | |
| CN103198400A (en) | Bluetooth wireless point of sale (POS) terminal financial payment system and payment method thereof | |
| CN104050565A (en) | Intelligent payment system based on PBOC payment network and mobile terminal thereof | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| CN105184556A (en) | Bluetooth-based mobile payment system and payment method | |
| CN103745343A (en) | Method for placing order by calling payment plug-in on APP merchant mobile platform | |
| CN104463576A (en) | NFC mobile payment communication method based on online payment | |
| CN104166916A (en) | Payment method and payment system | |
| CN101790166A (en) | Digital signing method based on mobile phone intelligent card | |
| CN106033571A (en) | Trading method of electronic signature devices, electronic signature devices and trading system | |
| CN103761644A (en) | Ordering processing method for mobile Internet online payment | |
| CN103268436A (en) | Method and system for touch-screen based graphical password authentication in mobile payment | |
| CN102263792A (en) | Wireless security key equipment, electronic commerce service system and method | |
| CN104102934A (en) | Portable IC card read-write device, system and method | |
| CN101976403A (en) | Phone number payment platform, payment trading system and method thereof | |
| CN105591746B (en) | A kind of processing method and processing system of online binding accepting terminal | |
| CN103186805A (en) | Smart card and signature authentication method based on smart card | |
| CN202197405U (en) | Wireless safe secret key apparatus and electronic business system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20140122 |