CN104123641A - Change finding system using real-time communication technology and corresponding method - Google Patents
Change finding system using real-time communication technology and corresponding method Download PDFInfo
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- CN104123641A CN104123641A CN201310156046.8A CN201310156046A CN104123641A CN 104123641 A CN104123641 A CN 104123641A CN 201310156046 A CN201310156046 A CN 201310156046A CN 104123641 A CN104123641 A CN 104123641A
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- 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
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- 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
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- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
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Abstract
The invention provides a change finding system using real-time communication technology and a corresponding method. The system comprises a mobile phone for the server (101) Bank (1), each store merchant phone (3), the user of mobile phone (4), phone (4) is arranged on the mobile phone (3) and businesses for near distance communication element communication (401), bank (1) is provided with user change account and store accounts, change account and the user of mobile phone users (4) associated with the identification information and bank account. When the user in the mobile phone shop merchants (3) to make a payment for the demand generated by businesses, mobile phone (3) to read the user's mobile phone (4) near field communication element (401) identification information sent, and then through the mobile phone network (2) via mobile phone change finding server (101) in the form of payment of electricity sub for, by the mobile phone for the server (101) transfer the amount of money to find accounts from the store will go to user change account.
Description
[technical field]
The present invention relates to financial payment technology, particularly relate to a kind of change that adopts Real-time Communication Technology and look for continuous system and correlation method.
[background technology]
The processing of coin change is the problem that people's daily life often runs into, in the time that purchase and consumption is paid the bill, often include coin change looking in continuous, because the coin amount of money is little, be inconvenient to carry, some people does not use for a long time looking for the coin that continues to be placed on family, and government spends to put the new coin into circulation again like this.Enough coins also often will be prepared in shop on the other hand, just can deal with to look for continuously, if coin change is not enough dealt with and looked for continuously, client may Cancel Transaction, and go shopping to other shop, and shop is looked for aspect continuous change and paid many costs at this.In addition, coin is very dirty, has a lot of bacterial viruses, the disease that can spread disease, as SARS, influenza, skin disease etc., if people is in spite of illness with coin shopping payment, this coin can toss about in bed through multiple different people on hand, bacterial virus spread out to be gone in one day.Day by day universal along with paying by mails, how properly settle change by E-Payment and look for continuously, being one has problem to be solved.
[summary of the invention]
Object of the present invention, is to provide a kind of change that adopts Real-time Communication Technology to look for continuous system and correlation method, carries out change and looks for continuous multiple application to realize by E-Payment means.
The object of the present invention is achieved like this, adopt a kind of like this change that adopts Real-time Communication Technology to look for continuous system, it is characterized in that, described system includes the mobile phone (4) that is provided with bank (1), the mobile telephone network (2) of each user's bank account and the bank account of each trade company, trade company's mobile phone (3) of each trade company, each user, wherein, bank (1) is provided with mobile phone and looks for continuous server (101), and mobile phone looks for continuous server (101) to be provided with real-time communication server end software, mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application through mobile telephone network (2) access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication, trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application through mobile telephone network (2) access mobile phone looking for continuous, bank (1) is provided with each user's change account and the shop account of each trade company, and user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode through mobile telephone network (2) by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
And, also adopt a kind of like this change that adopts Real-time Communication Technology to look for continuous systems approach, adopt the change of employing Real-time Communication Technology as previously described to look for continuous system, it is characterized in that, described method is included in bank (1) and mobile phone is set looks for continuous server (101), and in each trade company, trade company's mobile phone (3) is set, mobile phone looks for continuous server (101) to be provided with real-time communication server end software, mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application through mobile telephone network (2) access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication, trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application through mobile telephone network (2) access mobile phone looking for continuous, bank (1) is provided with each user's change account and the shop account of each trade company, and user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode through mobile telephone network (2) by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
So just realize well object of the present invention.
The advantage of system and method for the present invention is that trade company need not prepare that coin is in kind looks for continuous purposes, it is all that to look for continuous change be directly to deposit in client's change account by electronic payment mode, client also need not collect coin change, and trade company can save the cost of processing coin change.Aspect client, because continuing, all looking for all deposit in client's change account by electronic payment mode, and client need not contact coin change, just can not spread disease by coin change.
[brief description of the drawings]
Fig. 1 is the structural representation key diagram that the change of the first embodiment of the present invention is looked for continuous system;
Fig. 2 is the structural representation key diagram that the change of the second embodiment of the present invention is looked for continuous system;
Fig. 3 is the structural representation key diagram that the change of the third embodiment of the present invention is looked for continuous system.
In figure, device, parts device that identical digitized representation is identical, accompanying drawing is schematically, in order to formation and the principal character of system of the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram that the change of the first embodiment of the present invention is looked for continuous system, system shown in Fig. 1 includes the mobile phone (4) that is provided with bank (1), the mobile telephone network (2) of each user's bank account and the bank account of each trade company, trade company's mobile phone (3) of each trade company, each user, wherein, bank (1) is provided with mobile phone and looks for continuous server (101), and mobile phone looks for continuous server (101) to be provided with real-time communication server end software; Mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application through mobile telephone network (2) access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication; Trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application through mobile telephone network (2) access mobile phone looking for continuous.The present invention adopts real-time communication service to realize mobile phone (4) and trade company's mobile phone (3) and mobile phone and looks for the communication between continuous server (101), adopting the advantage of real-time Communication for Power mode communication is that transfer rate is fast, time delay is few, and more can determine whether information has successfully sent the other side to.Continue to consult Fig. 1, bank shown in Fig. 1 (1) is provided with each user's change account and the shop account of each trade company, user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode through mobile telephone network (2) by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
Continue to consult Fig. 1, the method that the system shown in Fig. 1 adopts, is included in bank (1) and mobile phone is set looks for continuous server (101), and in each trade company, trade company's mobile phone (3) is set, mobile phone looks for continuous server (101) to be provided with real-time communication server end software, mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application through mobile telephone network (2) access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication, trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application through mobile telephone network (2) access mobile phone looking for continuous, bank (1) is provided with each user's change account and the shop account of each trade company, and user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode through mobile telephone network (2) by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
In the first embodiment of Fig. 1, user's mobile phone (4) and the bipartite communication of trade company's mobile phone (3), to adopt near-field communication (Near Field Communication, being called for short NFC) technology realizes, described mobile phone (4) is for being provided with the smart mobile phone of near-field communication element, described low coverage communication element (401) is exactly described near-field communication element, and described trade company's mobile phone (3) is for being provided with the smart mobile phone of near-field communication element.User's mobile phone (4) sends identifying information to by its near-field communication element trade company's mobile phone (3) of trade company, and trade company's mobile phone (3) receives the identifying information being sent by user's mobile phone (4) by its near-field communication element.Look for while continuing, user is as long as will be put into trade company's mobile phone (3) arsis once on his mobile phone (4), just as used contact type intelligent card bat card, just can be by the stored respective user change of user's mobile phone (4) account's identifying information, to trade company's mobile phone (3), immediately look for continuous subsequent step by trade company's mobile phone (3) by near-field communication technology transfer.In addition, trade company's mobile phone (3) is the smart mobile phone that is provided with the real-time Communication for Power application for looking for continuous change, and trade company's mobile phone (3) accesses mobile phone by this real-time Communication for Power application through mobile telephone network (2) and looks for continuous server (101) to carry out change looking for continuous.
In the first embodiment of Fig. 1, described identifying information is to be associated with user's change account and user's mobile phone (4), described identifying information can be international mobile device identification code (the Internat ional Mobile Equipment Identity number of mobile phone (4), IMEI), when dispatching from the factory, each mobile phone (4) sets a worldwide unique coding " international mobile device identification code ", can utilize this to encode to identify different mobile phone (4), thereby identify different users, can certainly adopt other coding as identifying information, for example adopt the card number of the SIM card in mobile phone (4) as identifying information, also can realize well object of the present invention.
Consult Fig. 2, Fig. 2 is the structural representation key diagram that the change of the second embodiment of the present invention is looked for continuous system, the second embodiment shown in Fig. 2 is compared with the first embodiment, main difference part is in the second embodiment, adopt the device or the element that are independent of beyond mobile phone (4) structure to be used as low coverage communication element (401), low coverage communication element (401) is for meeting the contact type intelligent card of near-field communication specification, for example Bus Card card, the Octopus card in Hong Kong, the logical card in Shenzhen, the smart card of logical card in the south of the Five Ridges etc. and so on, also can be the credit card with NFC chip by bank (1) distribution, the bank card of debit card etc. and so on, and the card number of smart card or bank card is exactly respective user change account's identifying information, because saving to be used as only, change account pays, so without adopting tight false proof measure, even if palmed off other people identifying information, can be only all that the change that belongs to personator is looked for to the change account who renews into counterfeiting person.
Further improvement of the present invention, to be accumulate to designated amounts when above when user's change account's surplus, mobile phone looks for continuous server (101) to transfer accounts in the bank account that the money of designated amounts binds to this change account from this change account, can facilitate like this user to transfer by being accumulated in the immobilising money of change account the money that user can employ to.If low coverage communication element (401) is the bank card belonging to NFC chip, the bank account that change account binds is exactly the account of this bank card, change account's surplus is accumulate to designated amounts when above, will automatically money be proceeded to the account of this bank card.In the present invention, described bank account can be credit card account or debit card account or savings account or check account etc. and so on account.In addition, in this manual, described mobile telephone network (2) can be the mobile telephone network of all kinds of standards, comprises the mobile telephone network of GSM, 3G, 4G, CDMA, TD-SCDMA, LTE etc. various all kinds of standards.
Consult Fig. 3, Fig. 3 is the structural representation key diagram that the change of the third embodiment of the present invention is looked for continuous system, and shown in Fig. 3, many different banks are applied change of the present invention and looked for the embodiment of continuous system.In the present embodiment, low coverage communication element (401) is the bank card by credit or debit card with near-field communication (NFC) chip of bank (1) distribution etc. and so on, and the card number of bank card is exactly respective user change account's identifying information, the bank card that user uses him carries out change in trade company and looks for when continuous, it can be card number according to identifying information that mobile phone is looked for continuous server (101), the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) is forwarded to the change account of the corresponding bank of this card number (1), even if user and the bank account of trade company belong to respectively different banks (1), mobile phone looks for continuous server (101) also the money of looking for the continuous amount of money can be forwarded to user's the change account of bank (1) from the change account of the bank (1) of trade company, looking for the mobile phone of the bank (1) that has continued rear user to look for continuous server (101) can photos and sending messages to notify user to look for to this user's mobile phone (4) have continued.
Further improvement of the present invention, to increase user to look for continuous step by mobile phone (4) confirmation reception change, when user is in the time that trade company's mobile phone (3) of trade company uses change to look for continuous service, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to send request confirmation to user's mobile phone (4) through mobile telephone network (2) by mobile phone, user agrees to receive change and looks for continuous just at mobile phone (4) input validation information-reply, mobile phone is looked for continuous server (101) to check errorless rear this change that just continues of confirmation and is looked for continuous subsequent operation, otherwise refusal is carried out this change and is looked for continuous, confirm to receive change by this and look for continuous step, can allow trade company and user both sides can immediately know and confirm change look for continuous whether success and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
Below described feature of the present invention in detail, although the present invention is illustrated with the above embodiments, the present invention is not limited to this, in the case of not leaving the scope of spirit of the present invention and appended claims, can do multiple change and variation.
The change of employing Real-time Communication Technology of the present invention is looked for continuous system and correlation method, and change looks for continuous process efficient and convenient just as use contact type intelligent card bat card pays.Enforcement of the present invention, can bring good economic benefit, and what be conducive to pay by mails applies.
Claims (9)
1. one kind adopts the change of Real-time Communication Technology to look for continuous system, it is characterized in that, described system includes the mobile phone (4) that is provided with trade company's mobile phone (3) of the bank (1) of each user's bank account and the bank account of each trade company, each trade company, each user, wherein, bank (1) is provided with mobile phone and looks for continuous server (101), and mobile phone looks for continuous server (101) to be provided with real-time communication server end software, mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication, trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application access mobile phone looking for continuous, bank (1) is provided with each user's change account and the shop account of each trade company, and user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
2. the change of employing Real-time Communication Technology as claimed in claim 1 is looked for continuous system, it is characterized in that, described mobile phone (4) is for being provided with the smart mobile phone of near-field communication element, and described low coverage communication element (401) is exactly described near-field communication element.
3. the change of employing Real-time Communication Technology as claimed in claim 1 is looked for continuous system, it is characterized in that, described trade company's mobile phone (3) is for being provided with the smart mobile phone of near-field communication element.
4. the change of employing Real-time Communication Technology as claimed in claim 1 is looked for continuous system, it is characterized in that, described low coverage communication element (401) is for meeting the contact type intelligent card of near-field communication specification.
5. the change of employing Real-time Communication Technology as claimed in claim 1 is looked for continuous system, and described identifying information is the card number of the SIM card in the international mobile device identification code of mobile phone (4) or mobile phone (4).
6. the change of the employing Real-time Communication Technology as described in claim 1 to 5 any one is looked for continuous system, it is characterized in that, when user's change account's surplus is accumulate to designated amounts when above, mobile phone looks for continuous server (101) to transfer accounts in the bank account that the money of designated amounts binds to this change account from this change account.
7. adopt the change of Real-time Communication Technology to look for a continuous systems approach, it is characterized in that, described method is included in bank (1) and mobile phone is set looks for continuous server (101), and in each trade company, trade company's mobile phone (3) is set, mobile phone looks for continuous server (101) to be provided with real-time communication server end software, mobile phone (4) is provided with real-time Communication for Power application, mobile phone (4) is looked for continuous server (101) by this real-time Communication for Power application access mobile phone, on mobile phone (4), be also provided with for low coverage communication element (401) and the identifying information of trade company's mobile phone (3) communication, trade company's mobile phone (3) be provided with for carry out change look for continuous real-time Communication for Power application and for the device of low coverage communication element (401) communication, trade company's mobile phone (3) is looked for continuous server (101) to carry out change by this real-time Communication for Power application access mobile phone looking for continuous, bank (1) is provided with each user's change account and the shop account of each trade company, and user's change account is associated with this user's mobile phone (4) and identifying information, and binds mutually at the bank account of bank (1) with this user, the shop account of trade company is associated with trade company's mobile phone (3) of this trade company, and binds mutually at the bank account of bank (1) with this trade company, and, user pays the bill and produces while looking for continuous demand in trade company, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to look for continuous with electronic payment mode by mobile phone, look for continuous server (101) to forward the shop account who looks for the money of the continuous amount of money to be associated from this trade company's mobile phone (3) to change account that this identifying information is associated by mobile phone, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
8. the change of employing Real-time Communication Technology as claimed in claim 7 is looked for continuous systems approach, it is characterized in that, described method also comprises that user passes through mobile phone (4) confirmation reception change and looks for continuous step, when user is in the time that trade company's mobile phone (3) of trade company uses change to look for continuous service, the low coverage communication element (401) of user's mobile phone (4) sends the identifying information of this mobile phone to trade company's mobile phone (3) of trade company, then trade company's mobile phone (3) looks for continuous server (101) to send request confirmation to user's mobile phone (4) by mobile phone, user agrees to receive change and looks for continuous just at mobile phone (4) input validation information-reply, mobile phone is looked for continuous server (101) to check errorless rear this change that just continues of confirmation and is looked for continuous subsequent operation, otherwise refusal is carried out this change and is looked for continuous, and, look for and continued rear mobile phone and look for continuous server (101) photos and sending messages to notify user to look for to the mobile phone (4) that is associated of this change account having continued.
9. the change of employing Real-time Communication Technology as claimed in claim 7 is looked for continuous systems approach, it is characterized in that, when user's change account's surplus is accumulate to designated amounts when above, mobile phone looks for continuous server (101) to transfer accounts in the bank account that the money of designated amounts binds to this change account from this change account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201310156046.8A CN104123641A (en) | 2013-04-27 | 2013-04-27 | Change finding system using real-time communication technology and corresponding method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310156046.8A CN104123641A (en) | 2013-04-27 | 2013-04-27 | Change finding system using real-time communication technology and corresponding method |
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| CN104123641A true CN104123641A (en) | 2014-10-29 |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101277515A (en) * | 2007-03-26 | 2008-10-01 | 黄金富 | Cash register system using authentication information of mobile phone access network and method for collection and payment |
| CN101276501A (en) * | 2007-03-26 | 2008-10-01 | 黄金富 | System and corresponding method for small change capable of replacing coin completely |
| CN101488263A (en) * | 2008-01-18 | 2009-07-22 | 黄金富 | Smart card payment system and method used for paying in food market |
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2013
- 2013-04-27 CN CN201310156046.8A patent/CN104123641A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101277515A (en) * | 2007-03-26 | 2008-10-01 | 黄金富 | Cash register system using authentication information of mobile phone access network and method for collection and payment |
| CN101276501A (en) * | 2007-03-26 | 2008-10-01 | 黄金富 | System and corresponding method for small change capable of replacing coin completely |
| CN101488263A (en) * | 2008-01-18 | 2009-07-22 | 黄金富 | Smart card payment system and method used for paying in food market |
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