CN104599125A - Payment service system of mobile phone application software and method thereof - Google Patents

Payment service system of mobile phone application software and method thereof Download PDF

Info

Publication number
CN104599125A
CN104599125A CN201310526771.XA CN201310526771A CN104599125A CN 104599125 A CN104599125 A CN 104599125A CN 201310526771 A CN201310526771 A CN 201310526771A CN 104599125 A CN104599125 A CN 104599125A
Authority
CN
China
Prior art keywords
payment
application software
mobile phone
phone application
machine code
Prior art date
Application number
CN201310526771.XA
Other languages
Chinese (zh)
Inventor
翁愷仁
翁维仁
陈郁青
王锦盛
杨兵河
Original Assignee
中华电信股份有限公司
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by 中华电信股份有限公司 filed Critical 中华电信股份有限公司
Priority to CN201310526771.XA priority Critical patent/CN104599125A/en
Publication of CN104599125A publication Critical patent/CN104599125A/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Use of a security embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING 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

Abstract

The invention provides a payment service system of mobile phone application software and a method thereof. The method comprises the following steps: a mobile device and a payment platform carry out equipment binding; then, when a user sends a request to a store server through the mobile application software, the store server sends a payment request to the payment platform by a second key provided by the payment platform to receive a third key; the store server transmits the third key to the mobile phone application software to transmit the first key and the third key issued when the equipment is bound to the payment platform for requesting transaction authentication through an authentication transaction module; and then, an authentication result is transmitted to the store server to finish a payment authentication program. Through a payment service mechanism of the invention, transaction payment security can be reinforced through three-section key management and control, and meanwhile, a program for the user to pay in the mobile phone application software can be simplified.

Description

Mobile phone application software payment service system and method thereof

Technical field

The present invention relates to the technology of a kind of online payment service, espespecially a kind of mobile phone application software payment service system and method thereof performing payment program in mobile phone application software (APP).

Background technology

Along with scientific-technical progress, user carries out the consumption such as shopping or network service and payment on line through the electronic installation such as desktop computer, notebook computer and has belonged to normality, under the considering be convenient for carrying, the mobile device such as smart mobile phone or panel computer has become articles for use indispensable in daily life, and the network service scope so also allowing network service dealer provide is more extensive.

Usually, the link that the network service of the mobile device that network service dealer provides is through mobile phone application software is carried out, after user performs the mobile phone application software of mobile device installation, the system being connected to Internet Service Provider performs service interaction, such as play, payment service or shopping etc., therefore, Internet Service Provider is more devoted to develop mobile phone application software, under being desirably in the environment of user's staff one machine, user's favor can be subject to and therefrom obtain maximum benefit, when APP miscellaneous is extensively used by user, payment program also becomes an important ring, how in convenient and to complete payment in the program of safety be important for user.At present in the mobile phone application software of mobile device for carrying out transact payment time, first need nullify (log out) mobile phone application software (game/service), and complete payment in other transaction payment platform (non-network ISP provided) after, again (log in) mobile phone application software (game/service) is logged in again, the service after payment can be performed, but this mode is extremely inconvenient for user, because need user constantly to carry out nullifying the switching logged between the transaction interface of mobile phone application software (game/service) and transaction payment platform, just payment program can be completed, also the operational complexity of user is caused.

As from the foregoing, a kind of immediate payment of mobile phone application software mechanism is provided to be important for user, particularly in mobile phone application software performs, directly can carry out payment program, allow user can perform payment without the need to nullifying mobile phone application software, promote the convenience of user's operation by this, the real target having become current those skilled in the art to pursue.

Summary of the invention

In view of the shortcoming of above-mentioned prior art, object of the present invention is for providing a kind of technology performing payment program in mobile phone application software, through bound device in advance and perform the payment platform directly linking payment in mobile phone application software, to provide mobile phone application software payment service system and the method thereof of user's facility payment program.

For reaching aforementioned object and other object, the present invention proposes a kind of mobile phone application software payment service system, includes the mobile device of user's end, hotel owner's server of hotel owner's end, the payment platform of process account.This payment platform comprises payment module and for generation of the first machine code, the machine code core of the second machine code and the 3rd machine code sends out module, and this mobile device comprises mobile phone application software and authenticating transactions module, this the first machine code that this authenticating transactions module provides for storing this payment platform, and this hotel owner's server comprises hotel owner holds transaction modules, this the second machine code that this hotel owner holds transaction modules to be used for storing this payment platform to provide, wherein, when this mobile phone application software sends payment request to this hotel owner's server, transaction modules is held to send this payment request with this second machine code to this payment module of this payment platform by this hotel owner, the 3rd machine code is received to send out module from this machine code core, and this hotel owner holds transaction modules that the 3rd machine code is sent to this mobile phone application software, and then make this mobile phone application software activate this authenticating transactions module through the 3rd machine code, this the first machine code and the 3rd machine code are sent to this payment platform requirement Trading Authorization certification by this authenticating transactions module, received Authorization result is sent to this hotel owner's server to complete payment authorization program.

Before this payment request, the first finishing equipment binding of this mobile device, comprise: this mobile phone application software after receiving apparatus bound requirement by apparatus bound data transmission to this authenticating transactions module, this authenticating transactions module sends this apparatus bound requirement with received authenticated data to this payment platform, carry out after two road lock checkings through disposal password mode, this machine code core is sent out module and this first machine code is sent to this authenticating transactions module, binding result is sent to this hotel owner's server through this mobile phone application software by this authenticating transactions module.

In an embodiment, this payment platform more comprises authentication module, for receiving this apparatus bound requirement, carries out device authentication to be online to device authentication server.

In another embodiment, this hotel owner's server more comprises transaction data base, for storing this Authorization result that this payment request and this mobile device transmit, and this hotel owner's server is online to integration payment server, to carry out asking money to this integration payment server according to this payment request and this Authorization result.

In addition, the present invention more proposes a kind of mobile phone application software payment service method, comprises the following step: send payment request by the mobile phone application software of mobile device; After hotel owner's server receives this payment request, send this payment request with the second machine code prestored to payment platform by this hotel owner's server; This payment platform verifies that this second machine code is to produce the 3rd machine code, and then transmits the 3rd machine code to this hotel owner's server, and by this hotel owner's server, the 3rd machine code is sent to this mobile phone application software; This mobile phone application software activates the authenticating transactions module of this mobile device through the 3rd machine code, and by this authenticating transactions module, the first machine code prestored and the 3rd machine code is sent to this payment platform and requires Trading Authorization certification; And the Authorization result that this payment platform transmits is sent to this hotel owner's server to complete payment authorization program by this authenticating transactions module.

It is aforesaid before the mobile phone application software by this mobile device sends payment request, bind in this mobile device finishing equipment, comprising: after this mobile device receives apparatus bound requirement, this mobile phone application software by apparatus bound data transmission to this authenticating transactions module; This authenticating transactions module utilizes the authenticated data received to send this apparatus bound requirement to this payment platform; This apparatus bound requires to carry out, after two road lock checkings, transmitting this first machine code to this authenticating transactions module by this payment platform through disposal password mode; And binding result is sent to this hotel owner's server through this mobile phone application software by this authenticating transactions module.

In an embodiment, this payment platform is online to device authentication server to carry out device authentication after this apparatus bound of reception requires.

In another embodiment, this hotel owner's server is online to integration payment server, to carry out asking money to this integration payment server according to this payment request and this Authorization result.

Compared to prior art, mobile phone application software payment service system of the present invention and method thereof, strengthen transaction security through three sections of machine code mechanism of control, can complete transaction under namely needing three complete cooperations of machine code.In the present invention, mobile device is first held from paying and is bound (may be provided different charging system by communication dealer) by user, afterwards, when user performs at mobile phone application software, to carry out payment behavior, only need the authenticating transactions module being built in mobile phone application software in triggering, integration payment server can be online to pay the bill, whole payment program can be completed, without the need to leaving game/APP when user can be allowed by this to conclude the business in mobile phone application software (game/APP), namely can consume in mobile phone application software transaction interface, reach convenient and the object of safety.

Accompanying drawing explanation

Fig. 1 is the system schematic of mobile phone application software payment service system of the present invention;

Fig. 2 is that mobile phone application software payment service system of the present invention is in the system schematic of an embodiment;

Fig. 3 is that mobile phone application software payment service system of the present invention is in the schematic diagram of apparatus bound program;

Fig. 4 is that mobile phone application software payment service system of the present invention is in the schematic diagram of payment program;

Fig. 5 is the process flow diagram of mobile phone application software payment service method of the present invention; And

Fig. 6 is the process flow diagram of mobile phone application software payment service method of the present invention when apparatus bound.

Symbol description

1,2 mobile phone application software payment service systems

10,20 mobile devices

101,201 mobile phone application softwares

102,202 authenticating transactions modules

11,21 hotel owner's servers

111,211 hotel owners hold transaction modules

12,22 payment platforms

121 payment module

122,222 machine code cores send out module

212 transaction data bases

223 authentication modules

23 device authentication servers

24 integrate payment server

S501 ~ S505 step

S601 ~ S604 step.

Embodiment

By specific embodiment, embodiments of the present invention are described below, those skilled in the art can understand other feature of the present invention and effect easily by content disclosed in the present specification.The present invention also can be implemented by other different specific embodiment or be applied.

Consult Fig. 1, it is the system schematic that mobile phone application software payment service system of the present invention is described.As shown in the figure, mobile phone application software payment service system 1 of the present invention provide user with mobile phone application software (APP) 101 in mobile device 10 be online to hotel owner's server 11 carry out network service (as shopping, payment information or value added service etc.) time, can when do not nullify this mobile phone application software 101 perform payment and checking supervisor.

This mobile phone application software payment service system 1 comprises: the payment platform 12 of the mobile device 10 of user's end, hotel owner's server 11 of hotel owner's end, process account.

Mobile phone application software 101 and the authenticating transactions module 102 for use of paying the bill is had in mobile device 10.Mobile phone application software 101 refers to the APP that hotel owner provides or the Games Software that game business provides, user's Quick-connection namely can be provided and perform the software of serving, and the first machine code that authenticating transactions module 102 provides for storing payment platform 12, this first machine code in mobile device 10 finishing equipment binding after by payment platform 12 suppliers.

Hotel owner's server 11 comprises hotel owner and holds transaction modules 111, the second machine code that this hotel owner holds transaction modules 111 to provide for storing payment platform 12.Specifically; if hotel owner is for carrying out network payment through telecommunication operator; usual meeting and telecommunication operator cooperation; therefore; hotel owner can receive the second machine code that payment platform 12 provides in advance; use for residual program, therefore, the hotel owner of hotel owner's server 11 holds in transaction modules 111 the second machine code that will prestore for payment program.

Payment platform 12 comprises payment module 121 and sends out module 122 for generation of the machine code core of the first machine code, the second machine code and the 3rd machine code.When hotel owner's server 11 notifies that payment platform 12 has user to propose payment request, its the second machine code can be sent to the payment module 121 of payment platform 12 simultaneously, payment module 121 according to the second machine code with judge and confirm for process of carrying out paying the bill businessman why, then announcement machine code core is sent out module 122 core and is sent out the machine code being available for users to pay the bill.

Machine code core sends out module 122 can according to the role relation of payment program, at least three machine codes are provided, second machine code is stored in hotel owner's server 11 of hotel owner in advance, for representing hotel owner's end, first machine code is supplied to the machine code of mobile device 10 after to be then user bind the payment platform 12 of its device and telecommunication operator, can be used for representing user's end, 3rd machine code be then payment platform 12 agree to user to hotel owner the machine code that payment request produces is proposed, when being available for users to the account of online telecommunication operator or golden streaming system, checking uses.In addition, machine code core sends out module 122 separately can provide other machine code, in order to strengthen transaction security mechanism.

Under foregoing structure, user, when performing the mobile phone application software 101 in its mobile device 10, can be able to pay the bill without the need to nullifying this mobile phone application software 101.In detail, when user sends payment request through mobile phone application software 101 pairs of hotel owner's servers 11, hotel owner holds transaction modules 111 can send payment request with the second machine code to the payment module 121 of payment platform 12, payment module 121 judges the correctness of the second machine code, after confirming businessman and transaction content, announcement machine code core sends out module 122, machine code core sends out module 122 will send the 3rd machine code, and the 3rd machine code can be sent to hotel owner's server 11 and transfer to mobile phone application software 101.

Afterwards, mobile phone application software 101 is through the 3rd machine code activating and authenticating transaction modules 102, the first machine code that before transaction, apparatus bound provides in advance is sent to payment platform 12 with the 3rd machine code just received and requires Trading Authorization certification by authenticating transactions module 102, namely send out the transaction interface (not shown) of module 122 through machine code core to carry out transaction program, finally, to be transacted judge with pay content errorless after, authenticating transactions module 102 can receive Authorization result, this Authorization result also can be sent to hotel owner's server 11 to complete whole payment authorization program through mobile phone application software 101.

Through said process, user is without the need to nullifying mobile phone application software 101, only need to trigger the built-in authenticating transactions module 102 of mobile device 10, after payment correct judgment, Authorization result also can be sent to hotel owner's server 11, so can complete payment, hotel owner's server 11 can open the service that user pays the bill, such as play purchase points or paid service etc.

Consult Fig. 2, it is illustrate that mobile phone application software payment service system 2 of the present invention is in the system schematic of an embodiment.As shown in the figure, the present embodiment is before illustrating that user performs payment program through mobile device 20, need the action of first its equipment (as mobile device 20) and the payment platform 22 processing the telecommunication operator of paying the bill being done to bind, telecommunication operator is namely made to obtain the information such as sequence number, owner, checkout mode of this mobile device 20, so, telecommunication operator could process follow-up account problem.About apparatus bound program, be described as follows.

Before user proposes payment request, mobile device 20 needs the binding of first finishing equipment, namely mobile phone application software 201 notifies after receiving apparatus bound requirement, by apparatus bound data transmission to authenticating transactions module 202, wherein, apparatus bound data can comprise shop member account etc. and have the data identifying user's status, identifiable design application software or the application software supplier data such as mobile phone application software numbering, or be that International Mobile Equipment Identity (IMEI) etc. has the data identifying subscriber terminal equipment, or the combination in any of its aforesaid data, and this apparatus bound data is not limited with above-mentioned data, so can for setting up user, relation between hotel owner and telecommunication operator, more particularly, user can select through local telephone network bill, cell phone bill or online bill are to carry out follow-up gathering.

The authenticated data of the user that it receives by authenticating transactions module 202 sends apparatus bound requirement to payment platform 22, and payment platform 22 can carry out status and Authority Verification, such as, in the mode of disposal password through two road lock authentication mechanisms.Afterwards, machine code core sends out module 222 can be sent to authenticating transactions module 202 by the first machine code, and by authenticating transactions module 202, binding result is sent to hotel owner's server 21 through mobile phone application software 201, completes whole apparatus bound program by this.Need expositor, as previously mentioned, the second machine code is sent out module 222 by machine code core and is sent hotel owner to and hold transaction modules 211 when hotel owner and telecommunication operator cooperation.

In addition, payment platform 22 more comprises authentication module 223, after it requires for the binding of payment platform 22 receiving equipment, machine code core is sent out module 222 and is required that authentication module 223 carries out status and purview certification, now, the device authentication server 23 that can be online to inside or outside carries out device authentication, and authentication result is reached payment platform 22.

In addition, hotel owner's server 21 more comprises transaction data base 212, its Authorization result transmitted after completing payment program for the payment request that stores user and propose to hotel owner and mobile device 20, afterwards, when hotel owner is for carrying out asking money, hotel owner's server 21 is online to the integration payment server 24 of hotel owner's server 21, and the payment request that can pass through in transaction data base 212 and Authorization result carry out asking money to this integration payment server 24.

Next, Fig. 3 and Fig. 4 will more specifically be described each step of apparatus bound program and payment program.

Consult Fig. 3, it is illustrate that mobile phone application software payment service system of the present invention is in the schematic diagram of apparatus bound program.As shown in the figure, before consumer (user) proposes payment request, need first to use the payment platform finishing equipment of equipment (such as mobile device) and hotel owner's system and telecommunication operator to bind consumer institute.

In flow process (0), hotel owner's server of hotel owner's system first can be obtained by payment platform and be installed on assembly in hotel owner's server and machine code 2(namely the second machine code), so, when hotel owner's server proposes payment request with machine code 2 to payment platform, hotel owner's information can be known.

In flow process (1), consumer performs mobile phone application software and keys in the data such as hotel owner member's (account and password), carries out status checking, to complete login mobile phone application software with the hotel owner's member database being online to hotel owner's server.

In flow process (2) and (3), after consumer proposes binding requirement, bound device data (such as shop member account, IMEI, mobile phone application software numbering etc., but be not limited to above-mentioned three kinds of data) can be sent to authenticating transactions module by mobile phone application software.

In flow process (4) and (5), consumer can key in authenticated data to authenticating transactions module, this authenticated data is namely for the relational links of the payment platform of consumer and telecommunication operator, telecommunication operator like this can in collecting the charges to consumer in the future, afterwards, authenticated data is sent to payment platform by authenticating transactions module.

In flow process (6), consumer's end can carry out authentication procedure with telecommunication operator end, in this be employing two road lock authentication mechanism carry out, more specifically, namely confirm the relation between consumer end and telecommunication operator in the mode of the one-time password (otp) of news in brief, namely according to binding result, telecommunication operator can judge whether consumer end can carry out payment program in the future.

Afterwards, in flow process (7), after the authentication module of platform to be paid and outside device authentication server carry out certification, the machine code core of notice payment platform is sent out module core and is sent out machine code 1(namely the first machine code) to the authenticating transactions module of consumer end.

In flow process (8) and (9), binding result can be sent to hotel owner's member database of hotel owner's server by authenticating transactions module through mobile phone application software, to notify the finishing equipment binding of hotel owner's system.

Through above-mentioned several flow process, the relational links between consumer, hotel owner's system, telecommunications payment platform can be completed, namely make each end recognize the other side each other, so could judge whether the other side has associated rights in payment program thereafter.

Consult Fig. 4, it is illustrate that mobile phone application software payment service system of the present invention is in the schematic diagram of payment program.As shown in the figure, consumer (user), after completing the apparatus bound between consumer end and payment platform, can propose payment request to hotel owner's system in time performing mobile phone application software.

In flow process (1) and (2), consumer performs mobile phone application software and keys in the data such as hotel owner member's (account and password), afterwards, the hotel owner's member database being online to hotel owner's server carries out status checking, to log in mobile phone application software.

In flow process (3) and (4), consumer selects commodity consumption through mobile phone application software, afterwards, usual mobile phone application software can require that consumer inputs password (membership password or other consumption password) further, to confirm that consumer will perform this consumption, in other words, namely by consumer, Payment Request is proposed.

In flow process (5) and (6), until hotel owner's server receive from consumer end requirement please money message after, hotel owner's server can hold the second machine code (i.e. machine code 2) in transaction modules to propose this time consumption to the payment module in the payment platform of telecommunication operator through hotel owner, to confirm this time whether consumption is approved.

In flow process (7), (8), if confirm, this consumption is feasible, machine code core in the payment platform of telecommunication operator sends out module can send machine code 3(namely the 3rd machine code) and the hotel owner being sent to hotel owner's server holds transaction modules, this machine code 3 can be resent to the mobile phone application software in consumer end afterwards.

Now, in flow process (9) and (10), mobile phone application software utilizes this machine code 3 triggering authentication transaction modules and requires that authenticating transactions module is to the mandate of payment platform requirement transaction authentication, now, authenticating transactions module can with the machine code 1 acquired by machine code 3 and prior device binding, require process payment program to payment platform, such as, this time consumption of this consumer will be collected in a certain bill (cell phone bill, local telephone network bill or online bill).

In flow process (11), (12) and (13), if the words that this transaction content is errorless, payment result can be sent to consumer end by payment platform, after the authenticating transactions module of consumer end receives payment result, store in the transaction data base that Authorization result (authorize and represent received payment) can be handed over by mobile phone application software to be sent to hotel owner's server.

Finally, but it is inessential, in flow process (14), hotel owner's system can pass through Authorization result and the data such as relationship trading, payment, proposing to payment platform please the demand of money, needs expositor, please money mechanism can in be built in the payment platform of telecommunication operator, or can be linked to outside integration payment server, this can determine according to telecommunication operator account/gold stream design.

Through above-mentioned several flow process, consumer can be completed in the intrasystem consumption of hotel owner, by the transaction authentication mandate between consumer and telecommunications payment platform, consumer end can obtain authorization identifying and notify that hotel owner's system completes payment program, in other words, consumer can complete payment program without the need to nullifying mobile phone application software, is more convenient for the use of consumer.

Consult Fig. 5, it is the process flow diagram that mobile phone application software payment service method of the present invention is described.As shown in the figure, it is illustrate that user carries out the flow process of paying the bill through its mobile device.

In step S501, send payment request by the mobile phone application software of mobile device.Specifically, user first can carry out binding (will explain after a while) in mobile device, relation between hotel owner and payment platform again, can send payment request in the middle of use mobile phone application software.Then to step S502.

In step S502, after hotel owner's server receives this payment request, send this payment request with the second machine code prestored to payment platform by this hotel owner's server.In brief, the second machine code that hotel owner's server prestores is acquired when hotel owner and telecommunication operator cooperation, if namely telecommunication operator is ready to assist hotel owner to process payment service, then the second machine code can be provided to hotel owner's server, this second machine code can for judging hotel owner's status and authority.Then to step S503.

In step S503, this payment platform verifies that this second machine code is to produce the 3rd machine code, and then transmits the 3rd machine code to this hotel owner's server, and by this hotel owner's server, the 3rd machine code is sent to this mobile phone application software.In detail, if after payment platform confirms that the second machine code is errorless, namely can produce a 3rd machine code, the 3rd machine code can be sent to hotel owner's server and is resent in the mobile phone application software of mobile device by hotel owner's server.Then to step S504.

In step S504, this mobile phone application software activates the authenticating transactions module of this mobile device through the 3rd machine code, and by this authenticating transactions module, the first machine code prestored and the 3rd machine code is sent to this payment platform and requires Trading Authorization certification.After mobile phone application software receives the 3rd machine code, this authenticating transactions module can be triggered with the 3rd machine code, now, those machine codes with the 3rd machine code and the first machine code acquired when the apparatus bound, can be sent to payment platform requirement Trading Authorization certification by authenticating transactions module.Then to step S505.

In step S505, namely the Authorization result that this payment platform transmits is sent to this hotel owner's server to complete payment authorization program by this authenticating transactions module.That is, if payment platform confirms that those machine code combinations are correct and after having corresponding authority, namely returns Authorization result and give authenticating transactions module, afterwards, this Authorization result can be sent to hotel owner's server by mobile phone application software by authenticating transactions module, to inform that hotel owner's this consumption received payment completes.

Accordingly, when hotel owner is for carrying out asking money in the future, hotel owner's server can be online to the integration payment server of this hotel owner's server, with the Authorization result transmitted according to the stored payment request data previously received and mobile device, integration payment server to this hotel owner's server carries out asking money, and this integration payment server can be combined with the payment platform of telecommunication operator, or arrange in payment platform separately.

Then, refer to Fig. 6, it is that the process flow diagram of mobile phone application software payment service method of the present invention when apparatus bound is described.As shown in the figure, it is for illustrating that user is before carrying out payment program, namely before the mobile phone application software by mobile device sends payment request, first need complete the apparatus bound between its mobile device and payment platform.

In step S601, after this mobile device receives apparatus bound requirement, this mobile phone application software by apparatus bound data transmission to this authenticating transactions module.This step illustrates when user is for carrying out payment program through mobile device through telecommunication operator, namely the mobile phone application software through mobile device sends apparatus bound requirement, now, mobile phone application software can by apparatus bound data transmission to authenticating transactions module, wherein, this apparatus bound data can comprise shop member account etc. and have the data identifying user's status, identifiable design application software or the application software supplier data such as mobile phone application software numbering, or be that International Mobile Equipment Identity (IMEI) etc. has the data identifying subscriber terminal equipment, or the combination in any of its aforesaid data, and this apparatus bound data is not limited with above-mentioned data.Then to step S602.

In step S602, this authenticating transactions module utilizes the authenticated data received to send this apparatus bound requirement to this payment platform.When user will with its mobile device notice telecommunication operator Future Payments medium, namely in the binding behavior described in this, therefore, user need provide authenticated data to give authenticating transactions module, and authenticating transactions module will propose binding requirement with those authenticated datas to payment platform.Then to step S603.

In step S603, this apparatus bound requires to carry out, after two road lock checkings, transmitting this first machine code to this authenticating transactions module by this payment platform through disposal password mode.Specifically, for guaranteeing the security of certification between the mobile device of user and payment platform, propose to verify with two roads lock verification modes in this, such as, adopt the mode of the one-time password (otp) of news in brief, to guarantee that transmitted data correctly and be not tampered.To be verified complete after, payment platform can transmit the authenticating transactions module of the first machine code, uses in Future Payments program to provide mobile device.

In addition, in aforementioned verification process, payment platform is after receiving equipment binding requirement and apparatus bound data, the device authentication server that can be online to inside or outside carries out device authentication, this device authentication server is only confirm the relation between the mobile device of user and telecommunication operator, such as payment relation, so, telecommunication operator by the consumption fund of user, can be collected money through this payment relation.Then to step S604.

In step S604, binding result is sent to this hotel owner's server through this mobile phone application software by this authenticating transactions module.This step illustrates that payment platform will transmit the binding result of approval binding to authenticating transactions module, afterwards, this binding result can be sent to hotel owner's server through mobile phone application software and store by authenticating transactions module, notifies that the payment platform that this mobile device of hotel owner can pass through telecommunication operator and provides is paid the bill by this.

In sum, mobile phone application software payment service system proposed by the invention and method thereof, adopt at least three sections of machine code mechanism of control to strengthen transaction security, hotel owner and consumer respectively obtain a machine code, in time will carrying out payment program, carry out payment verification with another machine code again, guarantee transaction security.In addition, in the present invention, user needs first mobile device and the payment platform held of paying to be bound, afterwards, when user performs at mobile phone application software, to carry out payment behavior, only need the authenticating transactions module being built in mobile phone application software in triggering, integration payment server can be online to pay the bill, thus user in mobile phone application software (such as game/APP) without the need to leaving game/APP, can consume in mobile phone application software transaction interface, to provide convenience by this and the transact payment of safety is machine-processed.

Above-described embodiment is illustrative principle of the present invention and effect thereof only, but not for limiting the present invention.Any those skilled in the art all without prejudice under spirit of the present invention and category, can carry out modifying to above-described embodiment and change.Therefore, the scope of the present invention, should listed by claims.

Claims (10)

1. a mobile phone application software payment service system, comprising:
Payment platform, it comprises payment module and sends out module for generation of the machine code core of the first machine code, the second machine code and the 3rd machine code;
Mobile device, it comprises mobile phone application software and authenticating transactions module, this first machine code that this authenticating transactions module provides for storing this payment platform; And
Hotel owner's server, it comprises hotel owner and holds transaction modules, this second machine code that this hotel owner holds transaction modules to be used for storing this payment platform to provide,
Wherein, when this mobile phone application software sends payment request to this hotel owner's server, transaction modules is held to send this payment request with this second machine code to this payment module of this payment platform by this hotel owner, the 3rd machine code is received to send out module from this machine code core, and this hotel owner holds transaction modules that the 3rd machine code is sent to this mobile phone application software, and then make this mobile phone application software activate this authenticating transactions module through the 3rd machine code, this the first machine code and the 3rd machine code are sent to this payment platform requirement Trading Authorization certification by this authenticating transactions module, received Authorization result is sent to this hotel owner's server to complete payment authorization program.
2. mobile phone application software payment service system according to claim 1, it is characterized in that, before this payment request, the first finishing equipment binding of this mobile device, comprise: this mobile phone application software after receiving apparatus bound requirement by apparatus bound data transmission to this authenticating transactions module, this authenticating transactions module sends this apparatus bound requirement with received authenticated data to this payment platform, carry out after two road lock checkings through disposal password mode, this machine code core is sent out module and this first machine code is sent to this authenticating transactions module, binding result is sent to this hotel owner's server through this mobile phone application software by this authenticating transactions module.
3. mobile phone application software payment service system according to claim 2, it is characterized in that, this apparatus bound data comprise have identify user status data, identifiable design application software or application software supplier data, have and identify the data of subscriber terminal equipment or the combination in any of its aforesaid data.
4. mobile phone application software payment service system according to claim 2, it is characterized in that, this payment platform more comprises authentication module, for receiving this apparatus bound requirement, carries out device authentication to be online to device authentication server.
5. mobile phone application software payment service system according to claim 1, it is characterized in that, this hotel owner's server more comprises transaction data base, for storing this Authorization result that this payment request and this mobile device transmit, and this hotel owner's server is online to integration payment server, to carry out asking money to this integration payment server according to this payment request and this Authorization result.
6. a mobile phone application software payment service method, comprises the following step:
Payment request is sent by the mobile phone application software of mobile device;
After hotel owner's server receives this payment request, send this payment request with the second machine code prestored to payment platform by this hotel owner's server;
This payment platform verifies that this second machine code is to produce the 3rd machine code, and then transmits the 3rd machine code to this hotel owner's server, and by this hotel owner's server, the 3rd machine code is sent to this mobile phone application software;
This mobile phone application software activates the authenticating transactions module of this mobile device through the 3rd machine code, and by this authenticating transactions module, the first machine code prestored and the 3rd machine code is sent to this payment platform and requires Trading Authorization certification; And
The Authorization result that this payment platform transmits is sent to this hotel owner's server to complete payment authorization program by this authenticating transactions module.
7. mobile phone application software payment service method according to claim 6, is characterized in that, before the mobile phone application software by this mobile device sends payment request, in the binding of this mobile device finishing equipment, comprising:
After this mobile device receives apparatus bound requirement, this mobile phone application software by apparatus bound data transmission to this authenticating transactions module;
This authenticating transactions module utilizes the authenticated data received to send this apparatus bound requirement to this payment platform;
This apparatus bound requires to carry out, after two road lock checkings, transmitting this first machine code to this authenticating transactions module by this payment platform through disposal password mode; And
Binding result is sent to this hotel owner's server through this mobile phone application software by this authenticating transactions module.
8. mobile phone application software payment service method according to claim 7, it is characterized in that, this apparatus bound data comprise have identify user status data, identifiable design application software or application software supplier data, have and identify the data of subscriber terminal equipment or the combination in any of its aforesaid data.
9. mobile phone application software payment service method according to claim 7, is characterized in that, this payment platform is online to device authentication server to carry out device authentication after this apparatus bound of reception requires.
10. mobile phone application software payment service method according to claim 6, is characterized in that, this hotel owner's server is online to integration payment server, to carry out asking money to this integration payment server according to this payment request and this Authorization result.
CN201310526771.XA 2013-10-30 2013-10-30 Payment service system of mobile phone application software and method thereof CN104599125A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201310526771.XA CN104599125A (en) 2013-10-30 2013-10-30 Payment service system of mobile phone application software and method thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201310526771.XA CN104599125A (en) 2013-10-30 2013-10-30 Payment service system of mobile phone application software and method thereof

Publications (1)

Publication Number Publication Date
CN104599125A true CN104599125A (en) 2015-05-06

Family

ID=53124883

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201310526771.XA CN104599125A (en) 2013-10-30 2013-10-30 Payment service system of mobile phone application software and method thereof

Country Status (1)

Country Link
CN (1) CN104599125A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105844463A (en) * 2016-03-16 2016-08-10 深圳映美卡莫网络有限公司 Prepayment member card system of using mobile phone APP to realize conversion from multiple cards to one card

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1570928A (en) * 2003-07-16 2005-01-26 姚崇宇 Financial certification security transaction system
CN101197028A (en) * 2006-12-08 2008-06-11 勇 祁 Electric paying method based on trade code
CN103077460A (en) * 2012-10-31 2013-05-01 中华电信股份有限公司 System and method for performing financial certificate transaction through mobile device
TW201333851A (en) * 2012-02-04 2013-08-16 Top Victory Invest Ltd App transaction money flow method and app store management method
CN103269326A (en) * 2012-12-22 2013-08-28 潘铁军 Safety equipment, multi-application system and safety method for ubiquitous networks
US20130246203A1 (en) * 2010-04-09 2013-09-19 Paydiant, Inc. Payment processing methods and systems

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1570928A (en) * 2003-07-16 2005-01-26 姚崇宇 Financial certification security transaction system
CN101197028A (en) * 2006-12-08 2008-06-11 勇 祁 Electric paying method based on trade code
US20130246203A1 (en) * 2010-04-09 2013-09-19 Paydiant, Inc. Payment processing methods and systems
TW201333851A (en) * 2012-02-04 2013-08-16 Top Victory Invest Ltd App transaction money flow method and app store management method
CN103077460A (en) * 2012-10-31 2013-05-01 中华电信股份有限公司 System and method for performing financial certificate transaction through mobile device
CN103269326A (en) * 2012-12-22 2013-08-28 潘铁军 Safety equipment, multi-application system and safety method for ubiquitous networks

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105844463A (en) * 2016-03-16 2016-08-10 深圳映美卡莫网络有限公司 Prepayment member card system of using mobile phone APP to realize conversion from multiple cards to one card

Similar Documents

Publication Publication Date Title
US7490062B2 (en) Method of payment by means of an electronic communication device
RU2520392C2 (en) Electronic payment system and payment authorisation method
CN102754115B (en) remote variable authentication processing
JP2005122687A (en) Financial transaction service method by use of mobile communication terminal equipment
EP1772832A1 (en) Method of making secure payment or collection transactions using programmable mobile telephones
CN104380764B (en) For the method for the customer data base for the characteristic of vehicle being registered in Internet Server equipment
US6853977B1 (en) Electronic settlement system using separate communication channels for settlement between sales and payee terminals
US10275760B2 (en) Method and apparatus for authorizing a payment via a remote device
JP2005025337A (en) Appliance registration system, appliance registration server, appliance registration method, appliance registration program, storage medium and terminal appliance
US20090063312A1 (en) Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
CN104077689B (en) A kind of method of Information Authentication, relevant apparatus and system
US8938793B2 (en) System and method for secure management of transactions
US7766223B1 (en) Method and system for mobile services
AU2012303620B2 (en) System and method for secure transaction process via mobile device
WO2001013341A1 (en) Short message service (sms) e-commerce
SK11762001A3 (en) Telepayment method and system for implementing said method
CN101288092A (en) Mobile account management
CN109242468A (en) System and method for dynamic temporary payments authorization in portable communication device
CN1826620A (en) Billing system with authenticated wireless device transaction event data
CN105027153A (en) Methods, devices, and systems for secure provisioning, transmission, and authentication of payment data
JP2000069571A (en) Method and system for safe and sure remote payment of article purchased and/or service received through mobile radio telephone system, and the mobile radio telephone system
CN105612543A (en) Methods and systems for provisioning mobile devices with payment credentials
EP1615097B1 (en) Dual-path-pre-approval authentication method
DE102007048976A1 (en) Virtual prepaid or credit card and method and system for providing such and for electronic payments
US9607293B2 (en) Method and system for account management and electronic wallet access on a mobile device

Legal Events

Date Code Title Description
PB01 Publication
C06 Publication
SE01 Entry into force of request for substantive examination
C10 Entry into substantive examination
WD01 Invention patent application deemed withdrawn after publication

Application publication date: 20150506

WD01 Invention patent application deemed withdrawn after publication