CN105550871A - Mobile internet based mobile phone bank transaction system - Google Patents
Mobile internet based mobile phone bank transaction system Download PDFInfo
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- CN105550871A CN105550871A CN201510948653.7A CN201510948653A CN105550871A CN 105550871 A CN105550871 A CN 105550871A CN 201510948653 A CN201510948653 A CN 201510948653A CN 105550871 A CN105550871 A CN 105550871A
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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]
Abstract
The invention discloses a mobile internet based mobile phone bank transaction system. The system comprises a mobile terminal connected with an internet through a mobile internet, a network server, a merchant terminal and a third-party payment system. A user can sign an agreement with a bank in advance to associate the mobile terminal of the user with an account of a bank card, or uses the account in one time during payment. A payment method is installed in the mobile terminal in the form of an application, or the application is downloaded and installed before payment. The application is connected with the network server. The network server provides a basic and expandable service based on a demand of the user. The user sends a shopping request to a merchant in the internet through the mobile terminal, and then the network server performs online verification on the request, information contained in the request with a third-party bank or financial institution.
Description
Technical field
The present invention relates to a kind of mobile banking transaction system based on mobile Internet, be particularly useful for current mobile payment field, namely improve treatment effeciency, improve Consumer's Experience, again technically, improvement has been made in security.Entity carrier under the method joint line and the network communications technology platform on line, build the line of a seamless link and to reach the standard grade lower interactive communication platform, to reduce costs further, to raise the efficiency, to increase the benefit and to promote technological progress.
Background technology
Flourish along with ICT (information and communication technology) and mobile Internet, mobile payment is becoming more and more universal and is welcoming for popular, and mobile payment is not merely worth and relates to simple payment, along with the variation of Current commercial means, various member privilege, purchase by group preferential, return certificate to pay, discount mode, accumulated point exchanging, multi-user jointly pays the various business application of same bill etc. and emerges in an endless stream, although these modes facilitate consumption, but bring program and the network burden of very complicated complexity but to mobile payment itself, therefore need to make comparisons detailed classification to current various mobile payment, thus mobile payment is more and more simplified and precisely, both improve treatment efficiency, reduce redundancy program, also Consumer's Experience is significantly improved, decrease data processing simultaneously, save resource.
Summary of the invention
For the deficiency that prior art exists, one of goal of the invention of the present invention is to provide a kind of mobile Internet transaction system, comprise the mobile terminal be connected with internet by mobile Internet, the webserver, dealer's terminal, third-party payment system, its mobile terminal can to associate with its bank card account by signing an agreement with bank by user in advance, or the single use when paying, its method of payment used is installed on mobile terminals in the mode of application, or download before payment and install, described application is connected with the webserver, the webserver provides basic and extendible service based on the demand of this user, user sends purchase request by mobile terminal to the dealer on network, described request requires that user provides available accounts information, applicable account information first submits to the webserver, the webserver again this request and the letter that comprises thereof is committed to third-party bank or financial institution carries out online verification, after verifying, if the surplus of the account amount of money, represents that purchase request is payable, and return payment message wait for user confirm and verify, pay successfully and return to user in message informing mode, and by this shopping fund direct payment to dealer's terminal, if account insufficient in amount, then stop pay and inform user's reason and account balance number, it is characterized in that, described dealer terminal is also connected with described third-party payment system by a Third-party payment platform, this Third-party payment platform can provide membership service for mobile phone users, described membership service provides based on the modality for co-operation between this Third-party payment platform and dealer, belonging to membership service comprise that member has preferential and franchise, also comprise the various coupons cooperating to provide with dealer, reward voucher, or mortgage certificate, described Third-party payment platform obtains electronics coupons from dealer, reward voucher, or mortgage certificate, described mobile subscriber terminal obtains described electronics coupons from described Third-party payment platform, reward voucher, or mortgage certificate and store, described Third-party payment platform provides service for connecting the mobile phone users of mobile Internet, it comprises an independently SMS platform, member can entrust this SMS platform to buy corresponding coupons to this Third-party payment platform by short message mode in the place of mobile Internet instability by the SMS platform in this Third-party payment platform, reward voucher, or mortgage certificate, this SMS platform is bought successfully or part is successful or after failure, purchase situation is fed back to terminal user with note form, in addition, institute's feedack whole/part can send to terminal user with the form of Quick Response Code in multimedia message mode, directly scan to facilitate terminal user and confirm payment, send confirmation to third-party payment system after confirmation to pay, wherein user confirm and the mode verified for use electronic signature or password confirming, or both have concurrently.。
According to the further goal of the invention of the present invention, wherein said mobile terminal can be smart mobile phone, palm PC, panel computer and other there is the digital processing unit of network savvy.
According to the further goal of the invention of the present invention, wherein third-party payment system is bank and financial institution.
According to the further goal of the invention of the present invention, wherein mobile terminal is associated with its bank card account and can be associated by micro-letter, Taobao, Alipay, the mode such as No. QQ.
According to the further goal of the invention of the present invention, wherein pay successfully and return to the account balance information after user's payment in message informing mode.
According to another goal of the invention of the present invention, wherein also provide a kind of method of mobile payment, it is based on a kind of mobile Internet transaction system, comprise the mobile terminal be connected with internet by mobile Internet, the webserver, dealer, (its mobile terminal can to associate with its bank card account by signing an agreement with bank third-party payment system by user in advance, also can pay time single use, this method of payment is installed on mobile terminals in the mode of application, or download before payment and install, described application is connected with the webserver, the webserver provides basic and extendible service based on the demand of this user, user sends purchase request by mobile terminal to the dealer on network, described request requires that user provides available accounts information, applicable account information first submits to the webserver, this request and the information comprised thereof and third-party bank or financial institution are carried out online verification by the webserver afterwards, after verifying, if the surplus of the account amount of money, represents that purchase request is payable, and return this Messages-Waiting user and confirm and verify, pay successfully and return to user in message informing mode, and by this shopping fund direct payment to dealer, if account insufficient in amount, then return previous step and inform user's reason and remaining sum number.
According to the further goal of the invention of the present invention, wherein form different sales modes according to the difference of user form of selling, such as self-marketing, distribution model 1, distribution model 2, these 3 kinds of patterns all may comprise does not have the marketing method of fund flow to terminate, in self-marketing mode, its Payment Methods comprise wallet payment, bank card is paid the bill, wallet and bank card payment, and will in conjunction with member card enjoy preferential, if be only wallet remittance, then form transaction journal record between direct marketing business (shop), if bank card payment, consideration is then also needed to be single dealing or shopping cart (many) dealing, single dealing calculates the service charge of this transaction with this single dealing amount of money, all dealing superpositions then will be calculated the service charge of total charge by many transactions again, finally generate transaction journal record, if wallet and the payment of bank card comprehensive method, also need to divide single dealing or many transactions (shopping cart), total charge is deducted the service charge calculating transaction based on wallet payment, last regeneration transaction journal record.
According to the further goal of the invention of the present invention, wherein said mobile terminal can be smart mobile phone, palm PC, panel computer and other there is the digital processing unit of network savvy.
According to the further goal of the invention of the present invention, wherein third-party payment system is bank and financial institution.
According to the further goal of the invention of the present invention, wherein mobile terminal is associated with its bank card account and can be associated by micro-letter, Taobao, Alipay, the mode such as No. QQ.
According to the further goal of the invention of the present invention, wherein return this Messages-Waiting user and confirm and verify to be specially to use electronic signature or password confirming, or both have concurrently.
According to the further goal of the invention of the present invention, wherein pay successfully and return to the account balance information after user's payment in message informing mode.
Four, accompanying drawing explanation
Fig. 1 is that move transaction of the present invention pays schematic diagram;
Fig. 2 is that the present invention buys payment by mobile Internet and entrusts SMS platform to buy payment network configuration diagram;
Fig. 3 is mobile payment structure of the present invention and time diagram;
Fig. 4 is the major function schematic diagram of seller side APP of the present invention;
Fig. 5 is that the article between supplier of the present invention, commission merchant, client move towards and cash flow schematic diagram.
Five, embodiment
Describe preferred case study on implementation of the present invention in detail below in conjunction with accompanying drawing, refer to Fig. 1-5.
First, the solution of the application must based on a kind of Mobile Internet system, comprise the mobile terminal be connected with internet by mobile Internet, described mobile terminal can be smart mobile phone, palm PC, panel computer has the digital processing unit of network savvy with other, the webserver, dealer, third-party payment system, it comprises bank and financial institution, its mobile terminal can to associate with its bank card account by signing an agreement with bank by user in advance, can be cell-phone number association or other forms of association, such as micro-letter, Taobao, Alipay, No. QQ etc., also (enough security credences must can be provided by single use when paying, the electronic signature of such as credit card, Net silver etc.), this method of payment is installed on mobile terminals in the mode of application, or download before payment and install, described application is connected with the webserver, the webserver provides basic and extendible service based on the demand of this user, user sends purchase request by mobile terminal to the dealer on network, this request also can be opened by third party's link, described request requires that user provides available accounts information, applicable account information first submits to the webserver, this request and the information comprised thereof and third-party bank or financial institution are carried out online verification by the webserver afterwards, after verifying, if the surplus of the account amount of money, represents that purchase request is payable, and return this Messages-Waiting user and confirm and verify, such as electronic signature password confirming or both have concurrently, pay successfully and return to user in message informing mode, comprise the account balance information after payment, and by this shopping fund direct payment to dealer, if account insufficient in amount, then return previous step and inform user's reason and remaining sum number.
Based on said system, following a kind of method of mobile payment is wherein also provided, it must based on based on a kind of Mobile Internet system, (described mobile terminal can be smart mobile phone to comprise the mobile terminal be connected with internet by mobile Internet, palm PC, panel computer has the digital processing unit of network savvy with other), the webserver, dealer, third-party payment system (bank and financial institution), it (can be that cell-phone number associates or other forms ofly to associate that its mobile terminal can to associate with its bank card account by signing an agreement with bank by user in advance, such as micro-letter, Taobao, Alipay, No. QQ etc.), also (enough security credences must can be provided by single use when paying, the electronic signature of such as credit card, Net silver etc.), this method of payment is installed on mobile terminals in the mode of application, or download before payment and install, described application is connected with the webserver, the webserver provides basic and extendible service based on the demand of this user, user sends purchase request (this request also can be opened by third party's link) by mobile terminal to the dealer on network, described request requires that user provides available accounts information, applicable account information first submits to the webserver, this request and the information comprised thereof and third-party bank or financial institution are carried out online verification by the webserver afterwards, after verifying, if the surplus of the account amount of money, represents that purchase request is payable, and return this Messages-Waiting user confirm and verify (such as electronic signature password confirming or both have concurrently), pay successfully and return to user's (comprising the account balance information after payment) in message informing mode, and by this shopping fund direct payment to dealer, if account insufficient in amount, then return previous step and inform user's reason and remaining sum number.Wherein form different sales modes according to the difference of user form of selling, such as self-marketing, distribution model 1, distribution model 2, these 3 kinds of patterns all may comprise does not have the marketing method of fund flow to terminate, in self-marketing mode, its Payment Methods comprise wallet payment, bank card is paid the bill, wallet and bank card payment, and will in conjunction with member card enjoy preferential, if be only wallet remittance, then form transaction journal record between direct marketing business (shop), if bank card payment, consideration is then also needed to be single dealing or shopping cart (many) dealing, single dealing calculates the service charge of this transaction with this single dealing amount of money, all dealing superpositions then will be calculated the service charge of total charge by many transactions again, finally generate transaction journal record, if wallet and the payment of bank card comprehensive method, also need to divide single dealing or many transactions (shopping cart), total charge is deducted the service charge calculating transaction based on wallet payment, last regeneration transaction journal record.
See Fig. 2, which kind of distribution mode no matter is used during payment, all often to use input member card number, reward voucher number, identifying code of stochastic generation and so on, or paying of the various coupons bought, great inconvenience is brought when these all use to user undoubtedly, and some payment occasion possibility mobile network is obstructed sometimes, be inconvenient to carry out described payment, or network is unobstructed but need user to input various identifying code in limited time, great inconvenience is brought to user, therefore inventor proposes a kind of brand-new solution and pays in conjunction with aforementioned transaction system, to simplify process of exchange, improve security performance, described scheme is mainly for there being the user paid by mobile network, when it uses mobile network to pay, often to use the reward voucher of various group buying websites and dealer's cooperation generation and use registered members's identity of some website to enjoy its preferential and discount, and the obstructed place of mobile network signals still has a lot, therefore a kind of such server should be set up, its various membership cooperated with vast dealer being not only supplied to that user can access based on mobile Internet and reward voucher, coupons, and the mode that the occasion can not accessed by mobile Internet user confirms automatically with SMS, for user provides the replacement access mode directly can not accessed based on mobile Internet, namely within its member's scope, open an independent note access platform, this platform provides note authority to purchase coupons, the services such as reward voucher, as long as after user opens this service, when consuming in the dealer cooperated with this website, this SMS platform can be sent information to predetermined messaging format, thus by the corresponding reward voucher of this SMS platform authority to purchase and coupons, mortgage certificate etc. directly carries out consumption payment, buy and described purchase information can be returned user with note form successfully and confirm, described note predetermined format can be dealer+amount of money+certificate quantity or other similar forms, if described dealer needs reward voucher and coupons, mortgage certificate uses with image format, this platform then can be made to provide described reward voucher and coupons in the mode of multimedia message, mortgage certificate, and described information comprises payment verification code etc. can send to user with the form of Quick Response Code, make user directly this Quick Response Code can be supplied to dealer's scanning, due to the general validity requirement sometimes of described identifying code and so on, therefore the generation of the mistake that manually inputs and cause and time delays validation problem again can also be reduced.
Under line, the carrier such as solid shop, market provides entity products and service, seamless combination is carried out with (Mobile Internet system) business on aforementioned line, inline system is the mutual communicative channel of the expansion of business under line, effectively can improve and link up efficiency and treatment effeciency, reducing costs, is carrier and the guarantee of business on line under line.Under line entity solve trust problem, be product, service quality ensure basic; Line is the expansion of business under line, promotes service quality, solve the needs of convenient shopping, both support mutually.Traditional management style, generally, the scope of solid shop/brick and mortar store core commercial circle covering radius 500 meters, customer density is the highest, accounts for the 50-80% of the solid shop/brick and mortar store sales volume; Secondary commercial circle covering radius is no more than 1500 meters, and customer density is moderate, accounts for the 10-15% of the solid shop/brick and mortar store sales volume; Commercial circle, edge covers wide, and customer density is low.And with on line when integrated marketing under line, the scope of radius more than 1500 meters can be expanded in core commercial circle by us.
So how when effectively controlling operating cost, cover more business: only need enterprise centered by solid shop/brick and mortar store, flagship store in release line, completes customer experience, solves problem after sale; Be longitude and latitude with employee, store in release line, obtains business income in real time; Every employee is young master, and publicity corporate culture, maintains customer relationship, promotes service quality; Be contact with difference quotient, be drive with interests, be enterprise's drainage, the client introduced pays close attention to enterprise's (solution trust problem), is undertaken serving (share of interests, to employee, promotes service quality), can carry out online trading at any time simultaneously by employee, convenient; Fast allocation interests, without dispute, difference quotient obtains commission.
Enterprise, employee, difference quotient, form firm benefit community, centered by solid shop/brick and mortar store, while solving trust problem, difference quotient, employee, enterprise supervised mutually, ensure product quality, service quality; Economic form is developed in a healthy way, the effective channels of low cost, the operation of scale, the pressure of low stock produces sufficient profit margin, guarantees, while client enjoys inexpensive service, to ensure stable profit margin.
Our product is with the embodiment of co-relation in system.Centered by flagship store, with store on employee's line for secondary shop, share commodity stocks, seamless clearing interests are divided into, the client of employee's service, and what the profit brought was spontaneous carries down to employee, each employee, is all a branch; Employee, in order to increase income, help enterprise to carry out unifying publicity, introduces numerous marketing channels such as difference quotient, while realizing individual increasing income, and enterprise overall performance, mutual reciprocity and mutual benefit.
On the whole, our product is exactly the very effective case of the exploration of contemporary O2O business model.
Although previous description and drawings describe the preferred embodiments of the present invention, being understood that when not departing from spirit of the present invention, various additional, amendment can being produced at this and replacing.It will be apparent to those of skill in the art that when not departing from spirit of the present invention or intrinsic propesties, and other elements, material and parts can be utilized to realize the present invention with other special shapes, structure, layout, ratio.Those skilled in the art will recognize: the present invention can use structure, layout, ratio, material and the parts and other many amendments that use in invention reality, and these are modified in when not departing from principle of the present invention and are adapted to particular surroundings and operational requirements especially.Therefore, current disclosed embodiment should be understood to illustrative in all respects but not it be asked to the restriction of the scope of protection.
Claims (5)
1. the mobile banking transaction system based on mobile Internet, comprise the mobile subscriber terminal be connected with internet by mobile Internet, the webserver, dealer's terminal, third-party payment system, its mobile subscriber terminal can be associated with its bank card account by signing an agreement with bank by user in advance, or the single use when paying, the method of payment that this system uses is arranged on mobile subscriber terminal in the mode of application, or download before payment and install, described application is connected with the webserver, the webserver provides basic and extendible service based on the demand of this user, user sends purchase request by mobile terminal to the dealer on network, described request requires that user provides available accounts information, applicable account information first submits to the webserver, the webserver again this request and the letter that comprises thereof is committed to third-party bank or financial institution carries out online verification, after verifying, if the surplus of the account amount of money, represents that purchase request is payable, and return payment message wait for user confirm and verify, pay successfully and return to user in message informing mode, and by this shopping fund direct payment to dealer, if account insufficient in amount, then stop pay and inform user's reason and account balance number, it is characterized in that, described dealer terminal is also connected with described third-party payment system by a Third-party payment platform, this Third-party payment platform can provide membership service for mobile phone users, described membership service provides based on the modality for co-operation between this Third-party payment platform and dealer, belonging to membership service comprise that member has preferential and franchise, also comprise the various coupons cooperating to provide with dealer, reward voucher, or mortgage certificate, described Third-party payment platform obtains electronics coupons from dealer, reward voucher, or mortgage certificate, described mobile subscriber terminal obtains described electronics coupons from described Third-party payment platform, reward voucher, or mortgage certificate and store, described Third-party payment platform provides service for connecting the mobile phone users of mobile Internet, it comprises an independently SMS platform, member can entrust this SMS platform to buy corresponding coupons to this Third-party payment platform by short message mode in the place of mobile Internet instability by the SMS platform in this Third-party payment platform, reward voucher, or mortgage certificate, this SMS platform is bought successfully or part is successful or after failure, purchase situation is fed back to terminal user with note form, in addition, institute's feedack whole/part can send to terminal user with the form of Quick Response Code in multimedia message mode, directly confirmation is scanned to facilitate terminal user, send confirmation to third-party payment system after confirmation to pay, wherein user confirm and the mode verified for use electronic signature or password confirming, or both have concurrently.
2. mobile Internet transaction system as claimed in claim 1, wherein said mobile terminal can be smart mobile phone, palm PC, panel computer or other there is the digital processing unit of network savvy.
3. mobile Internet transaction system as claimed in claim 1, wherein third-party payment system is bank and financial institution.
4. mobile Internet transaction system as claimed in claim 1, wherein mobile terminal is associated with its bank card account and can be associated by micro-letter, Taobao, Alipay, QQ mode.
5. mobile Internet transaction system as claimed in claim 1, wherein pays successfully and returns to the account balance information after user's payment in message informing mode.
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| CN201510948653.7A CN105550871A (en) | 2015-12-17 | 2015-12-17 | Mobile internet based mobile phone bank transaction system |
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| CN201510948653.7A CN105550871A (en) | 2015-12-17 | 2015-12-17 | Mobile internet based mobile phone bank transaction system |
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| CN105550871A true CN105550871A (en) | 2016-05-04 |
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| CN105955788A (en) * | 2016-05-18 | 2016-09-21 | 上海坤士合生信息科技有限公司 | Mobile application access system and method |
| CN107038580A (en) * | 2016-11-16 | 2017-08-11 | 辽宁科技大学 | A kind of bank transaction system |
| CN107657914A (en) * | 2017-09-04 | 2018-02-02 | 华迪计算机集团有限公司 | A kind of interactive building light group word group drawing system and method |
| WO2018023704A1 (en) * | 2016-08-05 | 2018-02-08 | 黄新勇 | Quick payment method and system in form of membership |
| CN109064670A (en) * | 2018-08-13 | 2018-12-21 | 何晨亮 | A kind of method of mobile payment and its device based on intelligent garage |
| CN110033273A (en) * | 2018-01-11 | 2019-07-19 | 北京三快在线科技有限公司 | Method for identifying ID and device |
| CN110312471A (en) * | 2016-07-25 | 2019-10-08 | 开创拉布斯公司 | The Adaptable System of export control signal from neuron-muscular activity measurement |
| WO2019218757A1 (en) * | 2018-05-14 | 2019-11-21 | 口碑(上海)信息技术有限公司 | Payment method and apparatus based on member feature code |
| CN110832517A (en) * | 2017-05-01 | 2020-02-21 | 脸谱公司 | Facilitating payment transactions between users of multiple payment providers |
| CN111401880A (en) * | 2016-09-20 | 2020-07-10 | 徐蔚 | Digital currency safe payment method and device based on double channels and mobile terminal |
| CN111833063A (en) * | 2019-04-16 | 2020-10-27 | 北京嘀嘀无限科技发展有限公司 | Information processing method, computer device, and computer-readable storage medium |
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| CN105955788A (en) * | 2016-05-18 | 2016-09-21 | 上海坤士合生信息科技有限公司 | Mobile application access system and method |
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| WO2018023704A1 (en) * | 2016-08-05 | 2018-02-08 | 黄新勇 | Quick payment method and system in form of membership |
| CN111401880A (en) * | 2016-09-20 | 2020-07-10 | 徐蔚 | Digital currency safe payment method and device based on double channels and mobile terminal |
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| WO2019218757A1 (en) * | 2018-05-14 | 2019-11-21 | 口碑(上海)信息技术有限公司 | Payment method and apparatus based on member feature code |
| CN109064670A (en) * | 2018-08-13 | 2018-12-21 | 何晨亮 | A kind of method of mobile payment and its device based on intelligent garage |
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