CN104424562A - Mobile-phone payment method and device - Google Patents
Mobile-phone payment method and device Download PDFInfo
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- CN104424562A CN104424562A CN201310389922.1A CN201310389922A CN104424562A CN 104424562 A CN104424562 A CN 104424562A CN 201310389922 A CN201310389922 A CN 201310389922A CN 104424562 A CN104424562 A CN 104424562A
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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]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The invention discloses a mobile-phone payment method and a mobile-phone payment device, wherein the mobile-phone payment method comprises the following steps of acquiring a payment request, wherein the payment request comprises a first mobile phone number of a request party, a second mobile phone number of a requested party and a payment amount; acquiring a first account related to the first mobile phone number and a second account related to the second mobile phone number; deducting an amount of fund corresponding to the payment amount from the first account; storing the amount of fund corresponding to the payment amount into the second account. By employment of the mobile-phone payment method and the mobile-phone payment device, the problems of complicated operation, low efficiency and insecurity due to the facts that a mobile phone trade cannot be directly performed through mobile phone payment and account information is easily leaked in the prior art are solved, and the effect of stable, reliable, convenient, fast and safe payment with mobile phone is achieved.
Description
Technical field
The present invention relates to mobile-phone payment field, in particular to a kind of hand set paying method and device.
Background technology
OSS is a comprehensive service operation and management platform, is also the comprehensive management platform having merged Traditional IP data service and mobile value-added service simultaneously.OSS is the integration of telecom operators, the back-up system of information resources share, and it is primarily of part compositions such as network management, system management, charging, business, account and customer services, between system by unified bus organic combination together.
The mobile-phone payment mode that the mobile-phone payment mode that the mobile-phone payment mode of current popular has Alipay platform to provide, middle cell phone payment platform provide and the mobile-phone payment mode that each commercial bank bank system of web provides, all there is certain not convenient property in above three kinds of modes of payments.
Alipay mobile-phone payment mode, first needs user to register in Alipay system, and phone number is registered in association in Alipay system, the information such as bank's card number.During transaction, although can be paid by phone number, Trading parties must be the registered user in Alipay system; The fund of transaction keeps accounts in the Alipay system account of beneficiary registration; In process of exchange, if the temporary transient trustship of financial need, transaction funds carries out trustship in Alipay system.
In move the modes of payments of mobile phone payment platform, first need user in move in mobile phone payment platform and register, user in move in hand call payment system and register, first non-real name user is become, the partial function that mobile phone payment platform provides is moved during non-real name user can only use, typing subscriber information message also becomes real name user by operator's OSS system authentication, moves the repertoire that mobile phone payment platform provides in only having real name user to use.After being registered as real name user, user also need in move the bank account information of the association of registration number in mobile phone payment platform.During transaction, can be paid by phone number, if transaction funds needs temporary transient trustship, transaction funds in move e-commerce platform and carry out trustship.
The internet banking system modes of payments, first needs user in corresponding banking system, carry out the signing of network payment and opens operation, then registers phone number and associates with Bank Account Number.Use internet banking system when carrying out delivery operation, although phone number can be used to pay, both parties need to be the user of same bank; In process of exchange, if the temporary transient trustship of financial need, transaction funds carries out trustship in this banking system inside.
The mode based on mobile-phone payment of current popular has several use not aspect easily, one, user must carry out separately signing registration in each payment system, two, Alipay and in move hand call payment system realize the modes of payments in, the main body of transaction is the account of each independent foundation, user need transfer accounts Bank Account Number or withdraw deposit time, also need to carry out independent operation and just can complete; The Bank Account Number although internet banking system mobile-phone payment directly keeps accounts, it can only support the payment between the inner each user of same bank, cannot realize inter-bank operation; Three, user carries out phone number when paying behavior, and Transaction Information, as Alipay account, Bank Account Number etc., by wireless, cable-network transmission to each system, exist the potential safety hazard of leakage of information.Four, above several modes of payments all needs on user's smart mobile phone, install corresponding client-side program and just can complete payment.
If user has mobile phone in prior art, and auto deduction account No. is registered in OSS system, or there is bank card, and be associated with phone number, directly can not operate bank account by phone number, still need the incidence relation doing phone number and bank account on payment platform, the bank card management in similar Alipay, cell-phone number manages.Existingly transfer accounts in pattern, need to remember bank of opposite side card account number, and in message transmission procedure, deposit card account in the bank, dangerous.At present can by the mobile banking service of bank self to the management of bank account capital, current drawback is that general only support turns in one's own profession mutually.If need inter-bank, funds flow is one's own profession-third party Ping Tai – bank of opposite side.
For using mobile phone conclude the business not by mobile phone direct payment and easily leak account information in prior art, thus causing low, the unsafe problem of complicated operation, efficiency, not yet proposing effective solution at present.
Summary of the invention
Use mobile phone transaction not by mobile phone direct payment for correlation technique and easily leak account information, thus cause low, the unsafe problem of complicated operation, efficiency, at present effective solution is not yet proposed, for this reason, fundamental purpose of the present invention is to provide a kind of hand set paying method and device, to solve the problem.
To achieve these goals, according to an aspect of the present invention, provide a kind of hand set paying method, the method comprises: obtain the request of payment, wherein, pay request and comprise first phone number of requesting party, the second phone number of Requested Party and payment; Obtain the first account associated with the first phone number and the second account associated with the second phone number; The fund that deduction is corresponding with payment from the first account; By fund stored in the second account.
Further, the first account of associating with the first phone number is obtained and the step of the second account that associates with the second phone number comprises: detect the first phone number and whether the second phone number is all effective; Under the first phone number and all effective situation of the second phone number, obtain the first account and the second account; When the first phone number or the second phone number invalid, refusal to pay request.
Further, detect the whether all effective step of the first phone number and the second phone number to comprise: detect the SIM card whether the first phone number and the second phone number are necessary being; When the first phone number and the second phone number are the SIM card of necessary being, whether detect the first phone number and the second phone number all without arrearage; When the first phone number and the second phone number are all without arrearage, whether detect the first phone number and the second phone number all without reporting the loss; At the first phone number and the second phone number all without when reporting the loss, confirm the first phone number and the second phone number effective.
Further, the step obtaining the first account associated with the first phone number and the second account associated with the second phone number comprises: the first incidence relation setting up the first phone number and the first account; Set up the second incidence relation of the second phone number and the second account; Read the first account associated with the first phone number by the first incidence relation, and read the second account associated with the second phone number by the second incidence relation.
Further, the step of fund stored in the second account is comprised: send to Requested Party the request of payment; Receive Requested Party confirmation pay information, then by fund stored in the second account; Receive the information of the refusal to pay of Requested Party, then terminate payment flow.
To achieve these goals, according to a further aspect in the invention, provide a kind of mobile-phone payment device, this device comprises: the first acquisition module, for obtaining the request of payment, wherein, pay request and comprise first phone number of requesting party, the second phone number of Requested Party and payment; Second acquisition module, for obtaining the first account associated with the first phone number and the second account associated with the second phone number; Deduction module, for the fund that deduction from the first account is corresponding with payment; Unloading module, for by fund stored in the second account.
Further, the second acquisition module comprises: first detection module, for detecting the first phone number and whether the second phone number is all effective; 3rd acquisition module, under the first phone number and all effective situation of the second phone number, obtains the first account and the second account; First confirm module, for when the first phone number or the second phone number invalid, refusal to pay request.
Further, first detection module comprises: the first detection sub-module, whether is the SIM card of necessary being for detecting the first phone number and the second phone number; Whether second detection sub-module, for when the first phone number and the second phone number are the SIM card of necessary being, detect the first phone number and the second phone number all without arrearage; Whether 3rd detection sub-module, for when the first phone number and the second phone number are all without arrearage, detect the first phone number and the second phone number all without reporting the loss; Second confirms module, at the first phone number and the second phone number all without when reporting the loss, confirm the first phone number and the second phone number effective.
Further, the second acquisition module comprises: first sets up module, for setting up the first incidence relation of the first phone number and the first account; Second sets up module, for setting up the second incidence relation of the second phone number and the second account; Read module, for reading the first account associated with the first phone number by the first incidence relation, and reads the second account associated with the second phone number by the second incidence relation.
Further, unloading module comprises: sending module, for sending to Requested Party the request of payment; Unloading submodule, for when receive Requested Party confirmation pay information, then by fund stored in the second account; Cancelling module, for when receiving the information of refusal to pay of Requested Party, then terminating payment flow.
Pass through the present invention, after acquisition pays request, obtain the first account associated with the phone number of requesting party and the second account associated with the phone number of Requested Party, the fund that then deduction is corresponding with payment from the first account, and by this fund stored in the second account.Thus avoid the repeated registration of user profile in other operators, as long as user has phone number and bank account just can mobile phone be used without barrier to complete payment, and hand set paying method of the present invention and device are by the direct correlation relation of phone number and Bank Account Number, by the fund in phone number direct control Bank Account Number, avoid the dependence to Third-party payment platform in prior art, cash flow such as to be transferred at the operation, the fund of Trading parties is directly operated with respective Bank Account Number, safe and reliable; In addition, hand set paying method of the present invention is by the phone number of user, and phone number and bank card direct correlation, in whole process of exchange, Trading parties all only needs to provide phone number to complete transaction, and do not need actual bank's card number and bank of deposit thereof, open an account the sensitive informations such as name, card number, the information such as password are not transmitted in the public network, reduce the complexity of transaction on the one hand, improve the security of information on the other hand.Use the invention solves in prior art and uses mobile phone conclude the business not by mobile phone direct payment and easily leak account information, thus cause low, the unsafe problem of complicated operation, efficiency, use the effect of mobile-phone payment with achieving reliable and stable Portable safety.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide a further understanding of the present invention, and form a application's part, schematic description and description of the present invention, for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:
Fig. 1 is the mobile-phone payment device schematic diagram according to the embodiment of the present invention; And
Fig. 2 is the process flow diagram of the hand set paying method according to the embodiment of the present invention.
Embodiment
It should be noted that, when not conflicting, the embodiment in the application and the feature in embodiment can combine mutually.Below with reference to the accompanying drawings and describe the present invention in detail in conjunction with the embodiments.
Fig. 1 is the mobile-phone payment device schematic diagram according to the embodiment of the present invention.As shown in Figure 1, this device comprises: the first acquisition module 10, and for obtaining the request of payment, wherein, the request of payment comprises first phone number of requesting party, the second phone number of Requested Party and payment; Second acquisition module 30, for obtaining the first account associated with the first phone number and the second account associated with the second phone number; Deduction module 50, for the fund that deduction from the first account is corresponding with payment; Unloading module 70, for by fund stored in the second account.
Adopt the present invention, after acquisition pays request, obtain the first account associated with the phone number of requesting party and the second account associated with the phone number of Requested Party, the fund that then deduction is corresponding with payment from the first account, and by this fund stored in the second account.Thus avoid the repeated registration of user profile in other operators, as long as user has phone number and bank account just can mobile phone be used without barrier to complete payment, and adopt the present invention by the direct correlation relation of phone number and Bank Account Number, by the fund in phone number direct control Bank Account Number, avoid the dependence to Third-party payment platform in prior art, cash flow such as to be transferred at the operation, and the fund of Trading parties is directly operated with respective Bank Account Number, safe and reliable; In addition, hand set paying method of the present invention is by the phone number of user, and phone number and bank card direct correlation, in whole process of exchange, Trading parties all only needs to provide phone number to complete transaction, and do not need actual bank's card number and bank of deposit thereof, open an account the sensitive informations such as name, card number, the information such as password are not transmitted in the public network, reduce the complexity of transaction on the one hand, improve the security of information on the other hand.Use the invention solves in prior art and uses mobile phone conclude the business not by mobile phone direct payment and easily leak account information, thus cause low, the unsafe problem of complicated operation, efficiency, use the effect of mobile-phone payment with achieving reliable and stable Portable safety.
According to the abovementioned embodiments of the present invention, the second acquisition module can comprise: first detection module, for detecting the first phone number and whether the second phone number is all effective; 3rd acquisition module, under the first phone number and all effective situation of the second phone number, obtains the first account and the second account; First confirm module, for when the first phone number or the second phone number invalid, refusal to pay request.
In the above embodiment of the present invention, first detection module can comprise: the first detection sub-module, whether is the SIM card of necessary being for detecting the first phone number and the second phone number; Whether second detection sub-module, for when the first phone number and the second phone number are the SIM card of necessary being, detect the first phone number and the second phone number all without arrearage; Whether 3rd detection sub-module, for when the first phone number and the second phone number are all without arrearage, detect the first phone number and the second phone number all without reporting the loss; Second confirms module, at the first phone number and the second phone number all without when reporting the loss, confirm the first phone number and the second phone number effective.
According to the abovementioned embodiments of the present invention, the second acquisition module can comprise: first sets up module, for setting up the first incidence relation of the first phone number and the first account; Second sets up module, for setting up the second incidence relation of the second phone number and the second account; Read module, for reading the first account associated with the first phone number by the first incidence relation, and reads the second account associated with the second phone number by the second incidence relation.
In the above embodiment of the present invention, unloading module can comprise: sending module, for sending to Requested Party the request of payment; Unloading submodule, for when receive Requested Party confirmation pay information, then by fund stored in the second account; Cancelling module, for when receiving the information of refusal to pay of Requested Party, then terminating payment flow.
Particularly, user uses mobile phone to open an account in operator OSS system, and typing customer data, when user opens an account in operator OOS system, just can register the bank account information of association, carries out the automatic fee operation of telephone expenses; User uses bank card, inevitable open an account in banking system, and typing customer data, just has subscriber phone number in customer data, for various notice class business etc.Can find out, as long as user has mobile phone and bank card, in operator OSS system and banking system, namely be present in the corresponding relation of subscriber phone number and account No..In hand call payment system of the present invention, user is just utilized to open an account in process at mobile phone and bank card, use the direct correlation relation of the mobile phone that established and bank card, Bank Account Number, set up the device that is supported directly to be undertaken by phone number the payment behavior between Bank Account Number.
Operator OSS system processing module, Unionpay's system processing module, message processing module and payment transaction processing module can be comprised in this mobile-phone payment device.
Wherein, operator OSS system processing module, the operator OSS system that this device of primary responsibility is corresponding with phone number carries out alternately, completing phone number Effective judgement, phone number state, the function such as acquisition of phone number and the bank account information associated.Also be the second acquisition module in above-described embodiment.
Unionpay's system processing module, the functions such as this device of primary responsibility and Unionpay, bank's system of having by oneself carry out alternately, completing the Effective judgement of Bank Account Number, the inquiry of the phone number information of Bank Account Number association.
Hand call payment system message processing module of the present invention, the process of primary responsibility and the mutual various message of this device, comprise the message such as note, multimedia message, USSD that phone number is sent to this device, comprise the process of mobile phone client program and the mutual various inquiries of this device, class of concluding the business message.Also be the sending module in above-described embodiment.
Mobile-phone payment device payment transaction processing module of the present invention, the interaction process of this device of primary responsibility and Third-party payment platform, comprises transferring accounts of transaction funds, temporary, and the function such as keep accounts.Also be the deduction module in above-described embodiment and unloading module.
Fig. 2 is the process flow diagram of the hand set paying method according to the embodiment of the present invention, and the method comprises the steps: as shown in Figure 2
Step S102, obtains the request of payment, and wherein, the request of payment comprises first phone number of requesting party, the second phone number of Requested Party and payment.
Step S104, obtains the first account associated with the first phone number and the second account associated with the second phone number.
Step S106, the fund that deduction is corresponding with payment from the first account.
Step S108, by fund stored in the second account.
Adopt the present invention, after acquisition pays request, obtain the first account associated with the phone number of requesting party and the second account associated with the phone number of Requested Party, the fund that then deduction is corresponding with payment from the first account, and by this fund stored in the second account.Thus avoid the repeated registration of user profile in other operators, as long as user has phone number and bank account just can mobile phone be used without barrier to complete payment, and the present invention is by the direct correlation relation of phone number and Bank Account Number, by the fund in phone number direct control Bank Account Number, avoid the dependence to Third-party payment platform in prior art, cash flow such as to be transferred at the operation, and the fund of Trading parties is directly operated with respective Bank Account Number, safe and reliable; In addition, hand set paying method of the present invention is by the phone number of user, and phone number and bank card direct correlation, in whole process of exchange, Trading parties all only needs to provide phone number to complete transaction, and do not need actual bank's card number and bank of deposit thereof, open an account the sensitive informations such as name, card number, the information such as password are not transmitted in the public network, reduce the complexity of transaction on the one hand, improve the security of information on the other hand.Use the invention solves in prior art and uses mobile phone conclude the business not by mobile phone direct payment and easily leak account information, thus cause low, the unsafe problem of complicated operation, efficiency, use the effect of mobile-phone payment with achieving reliable and stable Portable safety.
According to the abovementioned embodiments of the present invention, the first account of associating with the first phone number is obtained and the step of the second account that associates with the second phone number can comprise: detect the first phone number and whether the second phone number is all effective; Under the first phone number and all effective situation of the second phone number, obtain the first account and the second account; When the first phone number or the second phone number invalid, refusal to pay request.
Particularly, detect the whether all effective step of the first phone number and the second phone number can comprise: detect the SIM card whether the first phone number and the second phone number are necessary being; When the first phone number and the second phone number are the SIM card of necessary being, whether detect the first phone number and the second phone number all without arrearage; When the first phone number and the second phone number are all without arrearage, whether detect the first phone number and the second phone number all without reporting the loss; At the first phone number and the second phone number all without when reporting the loss, confirm the first phone number and the second phone number effective.
Adopt the present invention, in payment transaction process, only transmit phone number in the wireless network, responsive bank information is completely in hand call payment system of the present invention and operator OSS system, transmit in the proprietary network of banking system, substantially increase Information Security, and, owing to only needing phone number in payment transaction, therefore, without the need to arranging special line in trade company there, the early-stage preparations that installation POS etc. are loaded down with trivial details, only need trade company's phone number, can charge be completed, substantially increase the convenience of mobile-phone payment.
In the above embodiment of the present invention, the step obtaining the first account associated with the first phone number and the second account associated with the second phone number comprises: the first incidence relation setting up the first phone number and the first account; Set up the second incidence relation of the second phone number and the second account; Read the first account associated with the first phone number by the first incidence relation, and read the second account associated with the second phone number by the second incidence relation.
According to the abovementioned embodiments of the present invention, the step of fund stored in the second account is comprised: send to Requested Party the request of payment; Receive Requested Party confirmation pay information, then by fund stored in the second account; Receive the information of the refusal to pay of Requested Party, then terminate payment flow.
Mobile-phone payment device in the above embodiment of the present invention can be connected with other banking systems and OSS system, to complete mobile-phone payment.Particularly, this device supports the multiple communication access waies such as intelligent machine APP access, note access, multimedia message access, USSD access, STK, makes the use of all mobile phone models that this device can be used per family to carry out mobile-phone payment.In the above embodiment of the present invention, send to Requested Party the request of payment and can adopt any one above-mentioned communication modes.
Particularly, the above embodiment of the present invention can realize as follows:
Step S202: user A initiates to ask mobile phone payment mechanism to the payment of user B, including but not limited to the information such as phone number (the first phone number and the second phone number), dealing money of A, B two users in this request.Wherein, user A is requesting party, and user B is Requested Party.
More specifically, the Message Transmission mode of user A and B and mobile-phone payment device comprises but is not limited only to following several mode: (1) user can install client-side program on mobile terminals, accesses mobile-phone payment device in socket mode; (2) mobile terminal is mutual with short message mode and mobile-phone payment device, comprises text SMS, Quick Response Code note; (3) mobile terminal with multimedia message mode and mobile-phone payment device mutual; (4) mobile terminal with USSD mode and mobile-phone payment device mutual.
Step S204: mobile-phone payment device is by operator OSS system processing module, and whether the phone number detecting A and B two users in transaction effectively legal, when the first phone number and the second phone number all legal, perform step S206; Under the first phone number or the illegal situation of the second phone number, then notify Fail Transaction, process ends to user both sides.More specifically, step S204 can realize under operator OSS system.
Wherein, phone number validity judgement rule includes but are not limited to following several mode: whether (1) detection of handset number is the SIM card of necessary being, if mobile phone SIM card number do not exist be considered as illegal; (2) judge whether the using state of phone number meets default payment rule according to the payment rule detection preset, legal when meeting default payment rule.Such as, save in bank card, no matter whether phone number state shuts down in this transaction, has all allowed, then this kind of default payment rule allows user to shut down or arrearage.But transfer accounts, the behaviors such as consumption, just do not allowed under the state that phone number is shut down, then this default payment rule does not allow arrearage or shutdown.Here default payment rule is flexibly, can carry out self-defined according to often kind of operation behavior.(3) whether detection of handset number without the state of reporting the loss, if without the state of reporting the loss be considered as legal.
Step S206: mobile-phone payment device obtains the bank account information of subscriber phone number association.
Particularly, the incidence relation of subscriber phone number and Bank Account Number can obtain through but not limited to the following aspects: during (1) mobile-phone payment device support process transaction request, obtains the bank account information of phone number association from operator OSS system.(2), during mobile-phone payment device support process transaction request, from bank net system, the bank account information of phone number association is obtained.(3) phone number directly set up in mobile phone payment platform of the present invention of user and the bank account information of associated.
Step S208: mobile-phone payment device is deducted the fee from the Bank Account Number of user A by banking system processing module.
Step S210: the expense deducted in the Bank Account Number from user A to be kept accounts to Third-party payment platform by payment transaction processing module by mobile-phone payment device.
Step S212: mobile-phone payment device notifies the phone number of user B by message processing module, has a payment request from user A to be confirmed.
Wherein, particularly, the mode that mobile terminal and mobile-phone payment device send a confirmation message to mobile terminal comprises but is not limited only to following several mode: mobile-phone payment device notifies the mobile-phone payment device client-side program confirmation in mobile terminal device in socket mode; Mobile-phone payment device, with short message mode notice mobile terminal confirmation, comprises text SMS, Quick Response Code note; Mobile-phone payment device notifies mobile terminal confirmation in multimedia message mode; Mobile-phone payment device notifies mobile terminal confirmation in USSD mode.
After step S214: user B selection confirms to pay request, mobile-phone payment device passes through payment transaction processing module, in the Bank Account Number from the transfer of financial resources of the user A that this payment transaction is kept in by Third-party payment platform to user B
Step S216: this device notifies user A and this delivery operation result of B both sides by message processing module.
The mode that wherein mobile-phone payment device sends a confirmation message to mobile terminal comprises but is not limited only to following several mode: mobile-phone payment device notifies the mobile-phone payment device client-side program payment result information in mobile terminal device in socket mode.Mobile-phone payment device, with short message mode notice mobile terminal payment object information, comprises text SMS, Quick Response Code note.Mobile-phone payment device notifies mobile terminal payment object information in multimedia message mode.Mobile-phone payment device notifies mobile terminal payment object information in USSD mode.
Adopt the above embodiment of the present invention; without the need to registering at payment platform separately; operator OSS platform can be utilized to obtain mobile phone and bank card direct relation; mobile phone and bank card direct relation is obtained by bank device; and phone number is as main body in payment transaction; make information in transaction to obtain safeguard protection, and in moving, terminal and mobile-phone payment device have multiple access approach, facilitate user.
It should be noted that, can perform in the computer system of such as one group of computer executable instructions in the step shown in the process flow diagram of accompanying drawing, and, although show logical order in flow charts, but in some cases, can be different from the step shown or described by order execution herein.
From above description, can find out, present invention achieves following technique effect: adopt the present invention, after acquisition pays request, obtain the first account associated with the phone number of requesting party and the second account associated with the phone number of Requested Party, then the fund that deduction is corresponding with payment from the first account, and by this fund stored in the second account.Thus avoid the repeated registration of user profile in other operators, as long as user has phone number and bank account just can mobile phone be used without barrier to complete payment, and the present invention is by the direct correlation relation of phone number and Bank Account Number, by the fund in phone number direct control Bank Account Number, avoid the dependence to Third-party payment platform in prior art, cash flow such as to be transferred at the operation, and the fund of Trading parties is directly operated with respective Bank Account Number, safe and reliable; In addition, hand set paying method of the present invention is by the phone number of user, and phone number and bank card direct correlation, in whole process of exchange, Trading parties all only needs to provide phone number to complete transaction, and do not need actual bank's card number and bank of deposit thereof, open an account the sensitive informations such as name, card number, the information such as password are not transmitted in the public network, reduce the complexity of transaction on the one hand, improve the security of information on the other hand.Use the invention solves in prior art and uses mobile phone conclude the business not by mobile phone direct payment and easily leak account information, thus cause low, the unsafe problem of complicated operation, efficiency, use the effect of mobile-phone payment with achieving reliable and stable Portable safety.
Obviously, those skilled in the art should be understood that, above-mentioned of the present invention each module or each step can realize with general computing system, they can concentrate on single computing system, or be distributed on network that multiple computing system forms, alternatively, they can realize with the executable program code of computing system, thus, they can be stored and be performed by computing system within the storage system, or they are made into each integrated circuit modules respectively, or the multiple module in them or step are made into single integrated circuit module to realize.Like this, the present invention is not restricted to any specific hardware and software combination.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a hand set paying method, is characterized in that, comprising:
Obtain the request of payment, wherein, described payment request comprises first phone number of requesting party, the second phone number of Requested Party and payment;
Obtain the first account associated with described first phone number and the second account associated with described second phone number;
The fund that deduction is corresponding with described payment from described first account;
By described fund stored in described second account.
2. method according to claim 1, is characterized in that, the step obtaining the first account associated with described first phone number and the second account associated with described second phone number comprises:
Detect described first phone number and whether described second phone number is all effective;
Under described first phone number and all effective situation of described second phone number, obtain described first account and described second account;
When described first phone number or described second phone number invalid, refuse described payment request.
3. method according to claim 2, is characterized in that, detects the whether all effective step of described first phone number and described second phone number and comprises:
Detect the SIM card whether described first phone number and described second phone number are necessary being;
When described first phone number and described second phone number are the SIM card of necessary being, whether detect described first phone number and described second phone number all without arrearage;
When described first phone number and described second phone number are all without arrearage, whether detect described first phone number and described second phone number all without reporting the loss;
At described first phone number and described second phone number all without when reporting the loss, confirm described first phone number and described second phone number effective.
4. method according to claim 1, is characterized in that, the step obtaining the first account associated with described first phone number and the second account associated with described second phone number comprises:
Set up the first incidence relation of described first phone number and described first account;
Set up the second incidence relation of described second phone number and described second account;
Read by described first incidence relation described first account associated with described first phone number, read with by described second incidence relation described second account associated with described second phone number.
5. method according to claim 1, is characterized in that, the step of described fund stored in described second account is comprised:
Described payment request is sent to described Requested Party;
Receive described Requested Party confirmation pay information, then by described fund stored in described second account;
Receive the information of the refusal to pay of described Requested Party, then terminate payment flow.
6. a mobile-phone payment device, is characterized in that, comprising:
First acquisition module, for obtaining the request of payment, wherein, described payment request comprises first phone number of requesting party, the second phone number of Requested Party and payment;
Second acquisition module, for obtaining the first account associated with described first phone number and the second account associated with described second phone number;
Deduction module, for the fund that deduction from described first account is corresponding with described payment;
Unloading module, for by described fund stored in described second account.
7. device according to claim 6, is characterized in that, described second acquisition module comprises:
First detection module, for detecting described first phone number and whether described second phone number is all effective;
3rd acquisition module, under described first phone number and all effective situation of described second phone number, obtains described first account and described second account;
First confirm module, for when described first phone number or described second phone number invalid, refuse described payments ask.
8. device according to claim 7, is characterized in that, described first detection module comprises:
Whether the first detection sub-module, be the SIM card of necessary being for detecting described first phone number and described second phone number;
Whether second detection sub-module, for when described first phone number and described second phone number are the SIM card of necessary being, detect described first phone number and described second phone number all without arrearage;
Whether 3rd detection sub-module, for when described first phone number and described second phone number are all without arrearage, detect described first phone number and described second phone number all without reporting the loss;
Second confirms module, at described first phone number and described second phone number all without when reporting the loss, confirm described first phone number and described second phone number effective.
9. device according to claim 6, is characterized in that, described second acquisition module comprises:
First sets up module, for setting up the first incidence relation of described first phone number and described first account;
Second sets up module, for setting up the second incidence relation of described second phone number and described second account;
Read module, for reading by described first incidence relation described first account associated with described first phone number, reads with by described second incidence relation described second account associated with described second phone number.
10. device according to claim 6, is characterized in that, described unloading module comprises:
Sending module, for sending described payment request to described Requested Party;
Unloading submodule, for when receive described Requested Party confirmation pay information, then by described fund stored in described second account;
Cancelling module, for when receiving the information of refusal to pay of described Requested Party, then terminating payment flow.
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| CN201310389922.1A CN104424562A (en) | 2013-08-30 | 2013-08-30 | Mobile-phone payment method and device |
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| CN201310389922.1A CN104424562A (en) | 2013-08-30 | 2013-08-30 | Mobile-phone payment method and device |
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| CN109583853A (en) * | 2018-09-29 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Method of payment, device, electronic equipment and computer readable storage medium |
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Application publication date: 20150318 |