CN103824186A - Method and system for paying by utilizing mobile phone - Google Patents

Method and system for paying by utilizing mobile phone Download PDF

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Publication number
CN103824186A
CN103824186A CN201410079109.9A CN201410079109A CN103824186A CN 103824186 A CN103824186 A CN 103824186A CN 201410079109 A CN201410079109 A CN 201410079109A CN 103824186 A CN103824186 A CN 103824186A
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CN
China
Prior art keywords
mobile
payment
phone
mobile phone
information
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
Application number
CN201410079109.9A
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Chinese (zh)
Inventor
曾贤文
俞洁虹
林加缪
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
HANGZHOU BOLIAN ZHIXIN TECHNOLOGY Co Ltd
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HANGZHOU BOLIAN ZHIXIN TECHNOLOGY Co Ltd
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Application filed by HANGZHOU BOLIAN ZHIXIN TECHNOLOGY Co Ltd filed Critical HANGZHOU BOLIAN ZHIXIN TECHNOLOGY Co Ltd
Priority to CN201410079109.9A priority Critical patent/CN103824186A/en
Publication of CN103824186A publication Critical patent/CN103824186A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification numbers [PIN]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

The invention discloses a method and a system for paying by utilizing a mobile phone. The method comprises the following steps: generating an identity recognition number of mobile phone payment by utilizing an international mobile device recognition code and a mobile phone number of a mobile phone, sending the identity recognition number to a mobile phone payment platform, and binding with a corresponding payment account; in payment, sending payment request information by the mobile phone to a mobile phone payment terminal device, adding payment information in the payment request information by the mobile phone payment terminal device, and sending to the mobile phone payment platform for authentication; sending authentication result information by the mobile phone platform to the mobile phone payment terminal device, processing the authentication result information by the mobile phone payment terminal device, and forwarding the processed information to the mobile phone for final confirmation, thus completing the mobile phone payment after confirmation, so that the confidentiality in the identity authentication process is improved effectively; meanwhile, the readily operation of payment in a shop enhances the convenience, and also the payment flexibility can be improved greatly.

Description

A kind of method and system that utilizes mobile phone to complete payment
Technical field
The present invention relates to internet financial technology, refer to especially a kind of method and system that utilizes mobile phone to complete payment.
Background technology
The means of payment of main flow are still the payment of paying in cash and swipe the card at present, and along with the fast development of mobile Internet and mobile communication technology, smart mobile phone popularity rate is more and more higher, and the various business based on smart mobile phone are also rapidly developed.Mobile payment is as an emerging function of mobile phone business, and development in recent years is rapid.But current mobile payment still has limitation, the modes of payments take near-field communication technology (NFC) as representative, need to transform mobile phone hardware, that is to say and must change mobile phone, and cost is higher; The modes of payments take sound wave payment as representative, does not need mobile phone hardware to transform although pay, and due to communicating by letter based on sound wave of mobile phone and mobile phones payment terminal equipment, aspect practicality and security, has problems.
The major reason that mobile-phone payment rises is exactly that user is to paying the demand of convenience.No matter be the NFC modes of payments, or the sound wave modes of payments, all there is the defect that pays convenience.NFC needs mobile phone to be paid and payment terminal equipment to press close to just and can pay, and this and traditional swiping the card pay does not have substantial difference.The sound wave modes of payments needs mobile phone with payment function just to payment terminal equipment, and remains in shorter distance, can affect equally user and experience.
Summary of the invention
In view of this, the fundamental purpose of the embodiment of the present invention is to provide a kind of method and system that utilizes mobile phone to complete payment, can solve existing NFC payment and sound wave delivery operation complexity and safe not problem.
For achieving the above object, the technical scheme of the embodiment of the present invention is achieved in that
The invention provides a kind of method of utilizing mobile phone to complete payment, described method comprises:
The identity recognition number of utilizing international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone, sends to mobile-phone payment platform by described identity recognition number, with corresponding payment account binding;
When payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, and mobile phones payment terminal equipment adds after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication;
Authentication result information is sent to mobile phones payment terminal equipment by mobile-phone payment platform, and mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, and finally confirms, completes mobile-phone payment after confirmation.
Wherein, the identity recognition number of the described international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone, be specially: the international mobile equipment identification number and the phone number that gather mobile phone, then obtain the network time of current mobile communications network, and take this time as benchmark generate pseudo-random sequence, international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.
Wherein, described described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform, mobile-phone payment platform carries out deinterleaving to identity recognition number, obtain international mobile equipment identification number and the phone number of mobile phone, then bind with corresponding payment account.
Wherein, described payment request information comprises: the international mobile equipment identification number and the phone number that utilize mobile phone, be that benchmark generates pseudo-random sequence according to the network time of current mobile communications network, carry out the identity recognition number that interweaving encoding obtains, and the information of request authentication.
Wherein, described mobile phones payment terminal equipment adds payment information in payment request information, is specially: described mobile phones payment terminal equipment adds facility information and the payment information of mobile phones payment terminal equipment in payment request information.
Wherein, described mobile-phone payment platform carries out authentication, comprise: identity recognition number is carried out to deinterleaving and obtain international mobile equipment identification number and phone number, search corresponding binding account, whether full-amount according to payment validation of information binding account, if returning to authentication to mobile phones payment terminal equipment, deficiency do not pass through, if full-amount, whether inquiry mobile phone payment terminal equipment is legal, if illegal, return to authentication to mobile phones payment terminal equipment and do not pass through, return to authentication if legal to mobile phones payment terminal equipment and pass through.
Wherein, described mobile phone is finally confirmed, comprising: receive authentication not by after information, abandon payment flow, or restart the request of payment; Receive authentication and pass through, after information, to abandon payment flow, or proceed transaction, mobile phones payment terminal equipment receives after the message of proceeding transaction, sends and withholds information to mobile-phone payment platform, and the successfully backward mobile phone reply of withholing has paid message.
The present invention also provides a kind of system of utilizing mobile phone to complete payment, and described system comprises: mobile phone, mobile phones payment terminal equipment and mobile-phone payment platform, wherein,
Described mobile phone, be used for the identity recognition number of the international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone, described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding, when payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, finally confirms, completes mobile-phone payment after confirmation;
Described mobile phones payment terminal equipment, for adding after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication, and mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, and finally confirms;
Described mobile-phone payment platform, for the payment request information of adding payment information is carried out to authentication, sends to mobile phones payment terminal equipment by authentication result information.
Wherein, described mobile phone utilizes the identity recognition number of international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone, be specially: the international mobile equipment identification number and the phone number that gather mobile phone, then obtain the network time of current mobile communications network, and take this time as benchmark generate pseudo-random sequence, international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.
Wherein, described identity recognition number is sent to mobile-phone payment platform by described mobile phone, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform, mobile-phone payment platform carries out deinterleaving to identity recognition number, obtain international mobile equipment identification number and the phone number of mobile phone, then bind with corresponding payment account.
A kind of method and system that utilizes mobile phone to complete payment that the embodiment of the present invention provides, described method comprises: the identity recognition number of utilizing international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone, described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding; When payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, and mobile phones payment terminal equipment adds after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication; Authentication result information is sent to mobile phones payment terminal equipment by mobile-phone payment platform, mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, finally confirm, after confirmation, complete mobile-phone payment, can effectively raise like this confidentiality in authentication process, can realize paying and greatly strengthen convenience with manual manipulation in shop, can also significantly improve the flexibility ratio of payment simultaneously.
Accompanying drawing explanation
Fig. 1 is a kind of method flow schematic diagram that utilizes mobile phone to complete payment of the present invention;
Fig. 2 is a kind of system architecture schematic diagram that utilizes mobile phone to complete payment of the present invention.
Embodiment
Below by drawings and the specific embodiments, the embodiment of the present invention is described in further detail again.
The embodiment of the present invention provides a kind of method of utilizing mobile phone to complete payment, and Fig. 1 is a kind of method flow schematic diagram that utilizes mobile phone to complete payment of the present invention, and as shown in Figure 1, described method comprises:
Step 101, utilizes the international mobile equipment identification number of mobile phone and phone number to generate the identity recognition number of mobile-phone payment, and described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding;
Concrete, the identity recognition number of the described international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone, be specially: the international mobile equipment identification number and the phone number that gather mobile phone, then obtain the network time of current mobile communications network, and take this time as benchmark generate pseudo-random sequence, international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.Described described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform, mobile-phone payment platform carries out deinterleaving to identity recognition number, obtain international mobile equipment identification number and the phone number of mobile phone, then bind with corresponding payment account.
Step 102, when payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, and mobile phones payment terminal equipment adds after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication;
Concrete, described payment request information comprises: the international mobile equipment identification number and the phone number that utilize mobile phone, be that benchmark generates pseudo-random sequence according to the network time of current mobile communications network, carry out the identity recognition number that interweaving encoding obtains, and the information of request authentication.Described mobile phones payment terminal equipment adds payment information in payment request information, is specially: described mobile phones payment terminal equipment adds facility information and the payment information of mobile phones payment terminal equipment in payment request information.Described mobile-phone payment platform carries out authentication, comprise: identity recognition number is carried out to deinterleaving and obtain international mobile equipment identification number and phone number, search corresponding binding account, whether full-amount according to payment validation of information binding account, if returning to authentication to mobile phones payment terminal equipment, deficiency do not pass through, if full-amount, whether inquiry mobile phone payment terminal equipment is legal, if illegal, return to authentication to mobile phones payment terminal equipment and do not pass through, return to authentication if legal to mobile phones payment terminal equipment and pass through.
Step 103, authentication result information is sent to mobile phones payment terminal equipment by mobile-phone payment platform, and mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, and finally confirms, completes mobile-phone payment after confirmation.
Concrete, authentication result information is sent to mobile phones payment terminal equipment by described mobile-phone payment platform, mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, be specially: after described mobile-phone payment platform is encoded to payment platform authentication result information according to the facility information of mobile phones payment terminal equipment, send to mobile phones payment terminal equipment, described mobile phones payment terminal equipment is decoded to the payment platform authentication result information receiving according to the facility information of self again, then decoded payment platform authentication result information is transmitted to mobile phone.Described mobile phone is finally confirmed, comprising: receive authentication not by after information, abandon payment flow, or restart the request of payment; Receive authentication and pass through, after information, to abandon payment flow, or proceed transaction, mobile phones payment terminal equipment receives after the message of proceeding transaction, sends and withholds information to mobile-phone payment platform, and the successfully backward mobile phone reply of withholing has paid message.Described mobile-phone payment platform sends to mobile phone finally to confirm authentication result information, also comprises: mobile-phone payment platform directly sends to mobile phone finally to confirm authentication result information.
Further, between mobile phone and mobile-phone payment platform, be connected by mobile communications network, mobile phone is connected by bluetooth or wireless compatibility authentication (WIFI) with mobile phones payment terminal equipment, between mobile phones payment terminal equipment and payment platform, is connected by mobile communications network or internet.
It should be noted that, in the present invention in view of the consideration of safety of payment, described identity recognition number is all international mobile equipment identification number and the phone number that gathers mobile phone, then obtain the network time of current mobile communications network, and take this time as benchmark generate pseudo-random sequence, international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.Mobile-phone payment platform receives after identity recognition number, carries out deinterleaving and decoding according to the network time of carrying in information, obtains international mobile equipment identification number and phone number, effectively raises like this confidentiality in authentication process.Mobile phone can connect mobile phones payment terminal equipment by bluetooth or WIFI simultaneously, can realize paying and greatly strengthen convenience with manual manipulation in shop.Further, mobile-phone payment platform can dock with bank account, internet finance account, can greatly improve the flexibility ratio of payment.
The present invention also provides a kind of system of utilizing mobile phone to complete payment, Fig. 2 is a kind of system architecture schematic diagram that utilizes mobile phone to complete payment of the present invention, and as shown in Figure 2, described system comprises: mobile phone 21, mobile phones payment terminal equipment 22 and mobile-phone payment platform 23, wherein
Described mobile phone 21, be used for the identity recognition number of the international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone 21, described identity recognition number is sent to mobile-phone payment platform 23, with corresponding payment account binding, when payment, payment request information is sent to mobile phones payment terminal equipment 22 by mobile phone 21, finally confirms, completes mobile-phone payment after confirmation;
Concrete, described mobile phone 21 utilizes the identity recognition number of international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone 21, be specially: the international mobile equipment identification number and the phone number that gather mobile phone 21, then obtain the network time of current mobile communications network, and take this time as benchmark generate pseudo-random sequence, international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.Described identity recognition number is sent to mobile-phone payment platform 23 by described mobile phone 21, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform 23, identity recognition number is carried out deinterleaving by mobile-phone payment platform 23, obtain international mobile equipment identification number and the phone number of mobile phone 21, then bind with corresponding payment account.
Described payment request information comprises: the international mobile equipment identification number and the phone number that utilize mobile phone 21, be that benchmark generates pseudo-random sequence according to the network time of current mobile communications network, carry out the identity recognition number that interweaving encoding obtains, and the information of request authentication.
Described mobile phone 21 is finally confirmed, comprising: receive authentication not by after information, abandon payment flow, or restart the request of payment; Receive authentication and pass through, after information, to abandon payment flow, or proceed transaction, mobile phones payment terminal equipment 22 receives after the message of proceeding transaction, sends and withholds information to mobile-phone payment platform 23, and successfully backward mobile phone 21 replies of withholing have paid message.
Described mobile phones payment terminal equipment 22, for adding after payment information in payment request information, sends to mobile-phone payment 23 platforms to carry out authentication, and mobile phones payment terminal equipment 22 is transmitted to mobile phone 21 after authentication result information is processed, and finally confirms;
Concrete, described mobile phones payment terminal equipment 22 adds payment information in payment request information, is specially: described mobile phones payment terminal equipment 22 adds facility information and the payment information of mobile phones payment terminal equipment 22 in payment request information.Described mobile phones payment terminal equipment 22 is transmitted to mobile phone 21 after authentication result information is processed, be specially: described mobile phones payment terminal equipment 22 is decoded to the payment platform authentication result information receiving according to the facility information of self again, then decoded payment platform authentication result information is transmitted to mobile phone 21.
Described mobile-phone payment platform 23, for the payment request information of adding payment information is carried out to authentication, sends to mobile phones payment terminal equipment 22 by authentication result information.
Concrete, described mobile-phone payment platform 23 carries out authentication to the payment request information of adding payment information, comprise: identity recognition number is carried out to deinterleaving and obtain international mobile equipment identification number and phone number, search corresponding binding account, whether full-amount according to payment validation of information binding account, if returning to authentication to mobile phones payment terminal equipment 22, deficiency do not pass through, if full-amount, whether inquiry mobile phone payment terminal equipment 22 is legal, if illegal, returning to authentication to mobile phones payment terminal equipment 22 does not pass through, if returning to authentication legal to mobile phones payment terminal equipment 22 passes through.
Authentication result information is sent to mobile phones payment terminal equipment 22 by described mobile-phone payment platform 23, be specially: described mobile-phone payment platform 23 sends to mobile phones payment terminal equipment 22 after payment platform authentication result information being encoded according to the facility information of mobile phones payment terminal equipment 22.
Further, described mobile-phone payment platform 23, also for directly sending to mobile phone 21 finally to confirm authentication result information.
Further, between mobile phone and mobile-phone payment platform, be connected by mobile communications network, mobile phone is connected by bluetooth or wireless compatibility authentication (WIFI) with mobile phones payment terminal equipment, between mobile phones payment terminal equipment and payment platform, is connected by mobile communications network or internet.
The above, be only preferred embodiment of the present invention, is not intended to limit protection scope of the present invention, all any modifications of doing within the spirit and principles in the present invention, is equal to and replaces and improvement etc., within all should being included in protection scope of the present invention.

Claims (10)

1. utilize mobile phone to complete a method for payment, it is characterized in that, described method comprises:
The identity recognition number of utilizing international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone, sends to mobile-phone payment platform by described identity recognition number, with corresponding payment account binding;
When payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, and mobile phones payment terminal equipment adds after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication;
Authentication result information is sent to mobile phones payment terminal equipment by mobile-phone payment platform, and mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, and finally confirms, completes mobile-phone payment after confirmation.
2. method according to claim 1, it is characterized in that, the identity recognition number of the described international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone, be specially: the international mobile equipment identification number and the phone number that gather mobile phone, then obtain the network time of current mobile communications network, and generate pseudo-random sequence take this time as benchmark, and international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.
3. method according to claim 1 and 2, it is characterized in that, described described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform, mobile-phone payment platform carries out deinterleaving to identity recognition number, obtains international mobile equipment identification number and the phone number of mobile phone, then binds with corresponding payment account.
4. method according to claim 1, it is characterized in that, described payment request information comprises: the international mobile equipment identification number and the phone number that utilize mobile phone, be that benchmark generates pseudo-random sequence according to the network time of current mobile communications network, carry out the identity recognition number that interweaving encoding obtains, and the information of request authentication.
5. method according to claim 1, it is characterized in that, described mobile phones payment terminal equipment adds payment information in payment request information, is specially: described mobile phones payment terminal equipment adds facility information and the payment information of mobile phones payment terminal equipment in payment request information.
6. method according to claim 1, it is characterized in that, described mobile-phone payment platform carries out authentication, comprise: identity recognition number is carried out to deinterleaving and obtain international mobile equipment identification number and phone number, search corresponding binding account, whether full-amount according to payment validation of information binding account, if returning to authentication to mobile phones payment terminal equipment, deficiency do not pass through, if full-amount, whether inquiry mobile phone payment terminal equipment is legal, if illegal, returning to authentication to mobile phones payment terminal equipment does not pass through, if returning to authentication legal to mobile phones payment terminal equipment passes through.
7. method according to claim 1, is characterized in that, described mobile phone is finally confirmed, comprising: receive authentication not by after information, abandon payment flow, or restart the request of payment; Receive authentication and pass through, after information, to abandon payment flow, or proceed transaction, mobile phones payment terminal equipment receives after the message of proceeding transaction, sends and withholds information to mobile-phone payment platform, and the successfully backward mobile phone reply of withholing has paid message.
8. utilize mobile phone to complete a system for payment, it is characterized in that, described system comprises: mobile phone, mobile phones payment terminal equipment and mobile-phone payment platform, wherein,
Described mobile phone, be used for the identity recognition number of the international mobile equipment identification number and the phone number generation mobile-phone payment that utilize mobile phone, described identity recognition number is sent to mobile-phone payment platform, with corresponding payment account binding, when payment, payment request information is sent to mobile phones payment terminal equipment by mobile phone, finally confirms, completes mobile-phone payment after confirmation;
Described mobile phones payment terminal equipment, for adding after payment information in payment request information, sends to mobile-phone payment platform to carry out authentication, and mobile phones payment terminal equipment is transmitted to mobile phone after authentication result information is processed, and finally confirms;
Described mobile-phone payment platform, for the payment request information of adding payment information is carried out to authentication, sends to mobile phones payment terminal equipment by authentication result information.
9. system according to claim 8, it is characterized in that, described mobile phone utilizes the identity recognition number of international mobile equipment identification number and the phone number generation mobile-phone payment of mobile phone, be specially: the international mobile equipment identification number and the phone number that gather mobile phone, then obtain the network time of current mobile communications network, and generate pseudo-random sequence take this time as benchmark, and international mobile equipment identification number and phone number are carried out to interweaving encoding, generate identity recognition number.
10. system according to claim 8, it is characterized in that, described identity recognition number is sent to mobile-phone payment platform by described mobile phone, with corresponding payment account binding, be specially: described identity recognition number is sent to mobile-phone payment platform, mobile-phone payment platform carries out deinterleaving to identity recognition number, obtains international mobile equipment identification number and the phone number of mobile phone, then binds with corresponding payment account.
CN201410079109.9A 2014-03-06 2014-03-06 Method and system for paying by utilizing mobile phone Pending CN103824186A (en)

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WO2015188949A1 (en) * 2014-06-13 2015-12-17 Giesecke & Devrient Gmbh Methods and devices for conducting payment transactions
CN106781118A (en) * 2016-11-22 2017-05-31 合肥星服信息科技有限责任公司 A kind of device of the Eatery Consumption based on voice print verification
CN107220819A (en) * 2017-05-05 2017-09-29 中国联合网络通信集团有限公司 Polymerization method of payment and platform based on two-way authentication
CN107466409A (en) * 2015-04-16 2017-12-12 维萨国际服务协会 Use the binding procedure of electronic telecommunication device
CN108229950A (en) * 2017-12-26 2018-06-29 南京熊猫电子股份有限公司 A kind of intelligent Service method that mobile communication terminal user based on low coverage space quick and precisely identifies

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CN102855562A (en) * 2012-09-11 2013-01-02 守望者科技(北京)有限公司 NFC (near field communication) mobile terminal and payment method
CN102982446A (en) * 2012-12-01 2013-03-20 上海照恒科技有限公司 Mobile payment system and method

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CN102831734A (en) * 2011-06-15 2012-12-19 上海博路信息技术有限公司 Payment method of mobile terminal client
CN102855562A (en) * 2012-09-11 2013-01-02 守望者科技(北京)有限公司 NFC (near field communication) mobile terminal and payment method
CN102982446A (en) * 2012-12-01 2013-03-20 上海照恒科技有限公司 Mobile payment system and method

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015188949A1 (en) * 2014-06-13 2015-12-17 Giesecke & Devrient Gmbh Methods and devices for conducting payment transactions
US11488151B2 (en) 2014-06-13 2022-11-01 Giesecke+Devrient Mobile Security Gmbh Methods and devices for conducting payment transactions
CN107466409A (en) * 2015-04-16 2017-12-12 维萨国际服务协会 Use the binding procedure of electronic telecommunication device
CN107466409B (en) * 2015-04-16 2021-11-30 维萨国际服务协会 Binding process using electronic telecommunication devices
CN106781118A (en) * 2016-11-22 2017-05-31 合肥星服信息科技有限责任公司 A kind of device of the Eatery Consumption based on voice print verification
CN107220819A (en) * 2017-05-05 2017-09-29 中国联合网络通信集团有限公司 Polymerization method of payment and platform based on two-way authentication
CN108229950A (en) * 2017-12-26 2018-06-29 南京熊猫电子股份有限公司 A kind of intelligent Service method that mobile communication terminal user based on low coverage space quick and precisely identifies

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