CN106803174B

CN106803174B - Mobile payment transaction method

Info

Publication number: CN106803174B
Application number: CN201710070092.4A
Authority: CN
Inventors: 黄志军
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-02-09
Filing date: 2017-02-09
Publication date: 2020-05-19
Anticipated expiration: 2037-02-09
Also published as: CN106803174A

Abstract

The invention discloses a method for realizing on-site payment aiming at the problem that payment information and a transaction password of a payer are leaked because only intelligent equipment of a payee is networked and intelligent equipment of the payer is not networked in the existing on-site payment. The invention utilizes intelligent devices of a payee and a payer to be networked during on-site payment, and changes the existing mobile payment loan association mode. The information transmitted between the intelligent devices of the payee and the payer does not contain account information and payment password information of both parties, and random numbers or dynamic passwords and transaction time vouchers are taken as the association basis of both parties of the payment, so that the leak of leakage of the payment account information and the payment password information during on-site payment is avoided, the fund safety of the payer is ensured, and the convenience and the rapidness of on-site payment are realized.

Description

Mobile payment transaction method

Technical Field

The invention belongs to the technical field of mobile payment application, and particularly relates to a method for realizing on-site financial transaction by utilizing communication of intelligent mobile internet equipment and a specified IP address server system.

Background

The existing on-site payment method is that a magnetic stripe reader on a unionpay POS machine reads magnetic stripe information on a bank card, or a financial IC bank card is inserted into a read-write end of the unionpay POS machine to read account information of the financial IC bank card, or an NFC (near field non-contact communication technology) reader-writer end of the unionpay POS machine is utilized to obtain bank card information bound in the financial IC bank card or a smart phone with an NFC function, the unionpay POS machine sends information of current transaction settlement, payment password information of a payer and the obtained payment bank card information to a specified IP address server system (such as a cross-bank transaction settlement platform of the unionpay) together by utilizing the Internet, the specified IP address server system checks the account information of two transaction parties, and verifies the payment password, so that the financial method of transfer transaction is realized.

The existing two-dimensional code payment mode taking Paibao and WeChat payment as a representative third-party payment platform is that a merchant intelligent device (a cash register) scans two-dimensional code account information of a mobile phone of a payer. The two-dimensional code of the payer comprises payer bank account association information, dynamic transaction password information and the like.

The above existing payment methods all have a commonality, that is, when only the intelligent device of the payee is networked, for example, a union Pay POS machine and a cash register of a merchant are networked, the intelligent device of the payer is not networked, for example, a bank card, an iPhone in Apple Pay, a Samsung Pay, a hua Pay, a xiao Pay, a millet Pay, a mobile phone displaying a two-dimensional code in payment of a payer, or the like. Therefore, when both parties of a transaction pay, since the smart devices of the payers are not networked, the smart devices of the payers must transmit their own account information or account-related information and payment password, for example, Token (actually, a kind of account information) generated by iPhone of ApplePay, to the smart device of the payee for reception, and transmit information such as account information of the payers, transaction password, transaction amount, etc., to a designated IP address server system (for example, a bank transaction settlement platform, a bank-banking cross-bank transaction settlement platform, a pay-treasure transaction settlement system, a WeChat payment transaction settlement system, etc.) through the smart device controlled by the payee for use in settlement of the transaction.

The above prior art methods suffer from the following drawbacks:

1. the most central and most important of the account information of the two transaction parties is the payment account information and the payment password information of the payer. However, since the smart device that acquires the payment account information and the password information of the payer is controlled by the payee, there is a risk that the payment account information of the payer is leaked, and many accidents occur in real life.

2. When the designated IP address server system (e.g., a bank transaction settlement platform, a unionpay cross-bank transaction settlement system, etc.) performs transaction settlement, it is necessary to receive and verify account information, payment password information, etc. of both parties of the complete transaction, so the transaction settlement is complex, inefficient, and long in time.

3. If efficiency is improved, for example, if a secret payment is not made, there is a risk of fraudulent brushing. For example, Unionpay has introduced a 300 dollar or less clear transaction settlement, and since ETC devices into which payers' Unionpay cards are inserted are not networked devices, the Unionpay cards in ETC devices across the country are bombed.

4. The collection bank account and the payment bank account are often not the same bank, namely the problem of line crossing and region crossing is often known, and the technical defect that the fund arrival time is long exists in the prior art scheme.

The communication market in China is developed vigorously, 3G and 4G communication modes are put into practical operation, and WiFi equipment almost covers all commercial places. As a mobile intelligent product, a smart phone is already a mainstream consumption mode in the mobile phone market in China. In the conventional mobile payment billing, the debit amount of the account is generally marked, and the debit amount is related to the account information of the corresponding payer or payee, so that the account information of the payer and the payee, including the account name, the account number and the like, must be recorded for each successful transaction. It is the current accounting association that causes the intelligent device of the payee to have to receive all account information and payment passwords of the payer. Due to merchant fraud, the payer's payment information may be at risk of being revealed once the payee's smart device is utilized by a lawless person, resulting in a risk of funding the payer's account. Real life such examples are not exhaustive.

Disclosure of Invention

The invention aims to solve the technical defects that only the intelligent equipment of a payee is connected with the network and the intelligent equipment of a payer is not connected with the network in the prior on-site payment technical scheme, so that account information or associated account information and transaction password information of the payer must be provided for the intelligent equipment of the payee, and the account information and the transaction password of the payer are leaked. The invention utilizes the intelligent equipment of the payee and the intelligent equipment of the payer to be connected with the network when carrying out the on-site payment, changes the association mode of the debit balance when the existing mobile payment is checked out, and changes the account information associated with the prior art scheme into the dynamic data of one of the association random number, the dynamic password and the time certificate of the transaction time or the random arrangement combination of the random number, the dynamic password and the time certificate of the transaction time. Because the sensitive account information and payment password information of the payer and the payee are not transmitted between the intelligent devices of the payer and the payee, the technical defect that the payment account information and the payment password information are leaked in the field payment of the prior art is effectively overcome, and the safety of the account fund of the payer and the payee is ensured.

A mobile payment transaction method (see figure 1) comprising the steps of:

(1) the intelligent device of the payee and the intelligent device of the payer are connected with the appointed IP address server system or the third party payment platform;

(2) the intelligent device of the payee or the intelligent device of the payer sends request payment information or request payment information containing the correlation information of the non-account number and the payment password and the transaction information to a specified IP address server system or a third-party payment platform;

(3) the intelligent device of the payee and the intelligent device of the payer transmit payment request information or payment request information in a non-encryption or encryption mode through a scanning or wireless communication mode;

(4) the appointed IP address server system or the third-party payment platform verifies the correlation information of the non-account number and the payment password sent by the intelligent equipment of the payee and the intelligent equipment of the payer;

(5) and the appointed IP address server system of the account or the third-party payment platform takes the associated information of the non-account number and the payment password as the associated basis of the payer and the payee.

Optionally, a mobile payment transaction method is characterized in that an intelligent device of a payee and an intelligent device of a payer are connected to a designated IP address server system or a third party payment platform, and includes the following steps:

(1) the intelligent equipment of the payee is connected with the appointed IP address server system or the third-party payment platform of the payee account;

(2) and the intelligent device of the payer is connected with a specified IP address server system of the account of the payer or a third party payment platform.

Optionally, the mobile payment transaction method is characterized in that the following feature is included in sending, by the intelligent device of the payee or the intelligent device of the payer to the specified IP address server system or the third party payment platform, the association information including the non-account number and the payment password, the request receipt information of the transaction information, or the association information of the non-account number and the payment password in the request payment information:

(1) one of the three elements of random number, dynamic password and request transaction time information or any permutation and combination of the three elements.

Optionally, the mobile payment transaction method is characterized in that the intelligent device of the payee or the intelligent device of the payer sends the association information including the non-account number and the payment password, the request receipt information of the transaction information, or the transaction information in the request payment information to the designated IP address server system or the third party platform, and the method includes the following features:

(1) transaction amount or equivalent other monetary amount and a collection or payment instruction.

Optionally, the mobile payment transaction method is characterized in that the following features are included in the following steps that the request payment information or the request receipt information is transmitted between the intelligent device of the payee and the intelligent device of the payer in a non-encrypted or encrypted manner through scanning or wireless communication:

(1) and the payment request information or the payment request information is transmitted between the intelligent equipment of the payee and the intelligent equipment of the payer in a non-encryption or encryption mode by scanning a two-dimensional code or scanning a bar code or NFC or Bluetooth and the like.

Optionally, the method for mobile payment transaction is characterized in that an IP address server system or a third party payment platform is designated, and verifying the associated information of the non-account number and the payment password sent by the intelligent device of the payee and the intelligent device of the payer includes the following steps:

(1) and the appointed IP address server system or the third-party payment platform verifies whether the random number or the dynamic password in the payment request information sent by the intelligent equipment of the payee and the transaction request time information are consistent with the random number or the dynamic password in the payment request information sent by the intelligent equipment of the payer or the transaction request time information.

Optionally, a mobile payment transaction method is characterized in that a designated IP address server system of an account or a third party payment platform uses associated information of a non-account number and a payment password as an association basis of a payer and a payee, and the method includes the following steps:

(1) the appointed IP address server system of the account takes one of three elements of a random number, a dynamic password and request transaction time information or any permutation and combination of the three elements as the association basis of the payer and the payee.

The mobile payment transaction method has the advantages that:

1. in the field payment, account information and payment password information of any party are not transmitted between intelligent equipment of a payer and intelligent equipment of a receiver, so that the risk that the fund account information and the payment password information are leaked can be effectively prevented, and the field transaction is safer;

2. the method changes the associated information mode of the bookkeeping, does not need to verify account information and payment passwords of the payer, so the field transaction mode is simple, and the transaction is more convenient, faster and safer;

3. the invention has simpler and more convenient cross-region and cross-currency transaction and can realize faster real-time account arrival.

Drawings

Fig. 1 is a flow chart of a mobile payment.

Fig. 2 is a flow chart of the transaction request initiated by the payee for the same currency, with the designated IP address server systems of both parties to the transaction.

Fig. 3 is a flow chart of the transaction request initiated by the payer in the same currency, with the same designated IP address server system for both parties to the transaction.

FIG. 4 is a flow chart of the transaction being in different currencies with the same designated IP address server system for both parties, the payee actively making a request for the transaction, and the payer's smart device completing rate conversion.

FIG. 5 is a flow chart of the designated IP address server system completing rate conversion when the transaction is of different currencies, the payee actively sends out a transaction request, and the designated IP address server system completes rate conversion.

Fig. 6 is a flow chart of the transaction request from the payee in the same currency, with the different IP address server systems assigned to the two parties of the transaction.

FIG. 7 is a flow chart of transaction rate conversion performed by the intelligent device of the payer after the payee initiates a transaction request and the payee initiates the transaction with a different IP address server system for the two parties to the transaction and the transaction is in a different currency.

Fig. 8 is a flow chart of the third party payment platform completing rate conversion when the designated IP address server systems of the two parties of the transaction are different, the transaction is different currency, the payee actively sends out the transaction request.

Detailed Description

The invention will be further illustrated by the following examples, respectively.

In the following embodiments, the association basis may be one of three elements, namely a random number, a dynamic password, and request transaction time information, or any permutation and combination of the three elements, and the specified IP address server system may also be a third-party payment platform.

Example 1:

the two transaction parties are used as the same payment platform, namely, the designated IP address server systems of the two transaction parties are the same, for example, accounts of a payee and a payer are both industrial and commercial bank transaction settlement server systems, and the transactions are in the same national currency.

Now, taking the example that the payee sends the transaction request actively and the payer responds to the payment request (see fig. 2):

1. the intelligent device of the payee, such as a cash register, a POS machine, a mobile phone, a PDA, a tablet computer, a notebook computer, a computer, etc., is connected to a designated IP address server system P (business bank transaction settlement server) in a 2G or 3G or 4G or 5G or WiFi manner;

2. the intelligent equipment of the payee sends the identity information, such as account information or a user name or a mobile phone number and the like, to a specified IP address server system P for identity authentication;

3. the IP address server system P is appointed to authenticate the identity information of the intelligent equipment of the payee, if the information is correct, the authentication of the intelligent equipment of the payee is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payee;

4. after the intelligent device of the payee obtains the appointed IP address and the authentication of the server system P is passed, the intelligent device enters a payment preparation state;

5. the intelligent device of the payer, such as a mobile phone, a PDA, a tablet computer, a notebook computer, a POS machine and the like, is connected with the specified IP address server system P in a 2G or 3G or 4G or 5G or WiFi mode and the like;

6. the intelligent equipment of the payer sends identity information, such as account information or a user name or a mobile phone number and the like to a specified IP address server system P for identity authentication;

7. the appointed IP address server system P authenticates the identity information of the intelligent equipment of the payer, if the information is correct, the authentication of the intelligent equipment of the payer is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payer;

8. after the intelligent equipment of the payer obtains the authentication of the appointed IP address server system P, the intelligent equipment enters a payment preparation state;

9. the intelligent device of the payee sends request collection information to a designated IP address server system P, and the request collection information requires to add M yuan (for example, 100 yuan) to the account of the payee, and comprises a random number or a dynamic password X, request transaction time information T (for example, 23 minutes at 12 days 1, 16 and 2017), transaction amount M yuan and collection instruction +, namely XTM +;

10. after the appointed IP address server system P receives the request receipt information XTM +, sending response information to the intelligent equipment of the payee;

11. after receiving the response information sent by the specified IP address server system P, the intelligent device of the payee sends payment request information to the intelligent device of the payer, wherein the payment request information comprises a random number or a dynamic password X, transaction request time information T (such as 23 minutes 12 days 16 months 1 and 16 months 2017), transaction amount M (such as 100) and a payment instruction, namely XTM-;

12. the payment request information XTM-sent by the intelligent equipment of the payee can be transmitted to the intelligent equipment of the payer to be received in a non-encryption or encryption mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

13. after receiving the payment request information XTM-, the intelligent equipment of the payer selects to transmit the payment request information to an appointed IP address server system P and requires to deduct M yuan from the account;

14. after the appointed IP address server system P receives the request payment information XTM + sent by the intelligent equipment of the payee and the request payment information XTM-sent by the intelligent equipment of the payer, whether the random number or the dynamic password X in the request payment information XTM + sent by the intelligent equipment of the payee, the request transaction time information T and the transaction amount M element are consistent or not is verified, and whether the random number or the dynamic password X in the request payment information XTM-sent by the intelligent equipment of the payer and the request transaction time information T and the transaction amount M element are consistent or not are verified;

15. if the payment is consistent with the payment request, the IP address server system is appointed to deduct M yuan from the account of the payer and add M yuan to the account of the payee, if the payment is inconsistent with the payment, the IP address server system is appointed to send re-sending request collection information to the intelligent device of the payee, and the intelligent device of the payee performs the steps from the step 9 again;

16. the appointed IP address server system P takes the random number or the dynamic password X and/or the request transaction time information T as the correlation basis of the payer and the payee, and respectively sends a transaction success instruction K to the intelligent equipment of the payee and the intelligent equipment of the payer;

17. and after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended.

Example 2:

the two transaction parties are used as the same payment platform, namely, the designated IP address server systems of the two transaction parties are the same, for example, accounts of a payee and a payer are both industrial and commercial bank transaction settlement server systems, and the transactions are in the same currency.

Now, taking the example that the payer sends a transaction request actively and the payee answers the receipt request (see fig. 3):

1. the intelligent device of the payee, such as a cash register, a POS machine, a mobile phone, a PDA, a tablet computer, a notebook computer, a computer and the like, is connected with the specified IP address server system P in a 2G or 3G or 4G or 5G or WiFi mode and the like;

9. the intelligent equipment of the payer sends request payment information to an appointed IP address server system P, and the request payment information requires deduction of M yuan from an account, and comprises a random number or a dynamic password X, request transaction time information T, transaction amount M yuan and a payment instruction-, namely XTM-;

10. after the appointed IP address server system P receives the request payment information XTM-, sending response information to the intelligent equipment of the payer;

11. after receiving the response information sent by the appointed IP address server system P, the intelligent device of the payer sends request collection information to the intelligent device of the payee, wherein the request collection information comprises a random number or a dynamic password X, request transaction time information T, a transaction amount M element and collection instruction +, namely XTM +;

12. the information XTM + of requesting to collect sent by the intelligent device of the payer can be transmitted to the intelligent device of the payee to be received in a non-encryption or encryption mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

13. after receiving the request receipt information XTM +, the intelligent equipment of the payee selects to transmit the request receipt information to an appointed IP address server system P and requires to add M yuan in the account of the payee;

14. after the appointed IP address server system P receives the request payment information XTM + sent by the intelligent equipment of the payee and the request payment information XTM-sent by the intelligent equipment of the payer, whether the random number or the dynamic password X in the request payment information XTM-sent by the intelligent equipment of the payer, the request transaction time information T and the transaction amount M element are consistent or not is verified, and whether the random number or the dynamic password X in the request payment information XTM + sent by the intelligent equipment of the payee, the request transaction time information T and the transaction amount M element are consistent or not is verified;

15. if the payment request information is consistent with the payment request information, the IP address server system is appointed to deduct M yuan from the account of the payer and add M yuan to the account of the payee, if the payment request information is inconsistent with the payment request information, the IP address server system is appointed to send the re-sending request payment information to the intelligent device of the payer, and the intelligent device of the payer re-executes the steps from the step 9;

Example 3:

the two transaction parties are used as the same payment platform, namely the designated IP address server systems of the two transaction parties are the same, the transaction is different currencies, and the condition that M yuan of the Chinese RMB is equal to N yuan of U.S. dollars is assumed.

Now, taking the example that the payee sends the transaction request actively and the payer responds to the payment request (see fig. 4):

1. the intelligent device of the payee is connected with the appointed IP address server system P in a 2G or 3G or 4G or 5G or WiFi mode and the like;

5. the intelligent device of the payer is connected with a specified IP address server system P in a 2G or 3G or 4G or 5G or WiFi mode and the like;

9. the intelligent device of the payee sends request collection information to an appointed IP address server system P, and the request collection information comprises a random number or a dynamic password X, request transaction time information T, transaction amount RMB M and collection instruction +, namely XTM +;

11. after receiving the response information sent by the appointed IP address server system P, the intelligent equipment of the payee sends payment request information to the intelligent equipment of the payer, wherein the payment request information comprises a random number or a dynamic password X, transaction request time information T, a transaction amount RMB M element and a payment instruction-, namely XTM-;

12. the payment request information XTM-sent by the payee can be transmitted to the intelligent equipment of the payer in an unencrypted or encrypted mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

13. after the intelligent equipment of the payer receives the payment request information XTM-, the intelligent equipment of the payer converts the transaction amount RMB M element into a dollar N element through a preset exchange rate conversion module;

14. after the intelligent equipment of the payer finishes exchange rate conversion, the request payment information XTM-is modified into new request payment information XTN-, and then the new request payment information XTN-is selected to be transmitted to the appointed IP address server system P, and the dollar account of the payer is required to be deducted by dollar N yuan;

15. after the appointed IP address server system P receives the request money receiving information XTM + sent by the intelligent device of the payee and the request payment information XTN-sent by the intelligent device of the payer, whether the RMB M element is equivalent to the USD N element or not is verified, if so, whether the random number or the dynamic password X in the request payment information XTN-sent by the intelligent device of the payer is consistent with the request transaction time information T or not is verified, if not, the appointed IP address server system sends a command of resending the request money receiving information to the intelligent device of the payee, and the intelligent device of the payee carries out the steps from step 9 again;

16. if the two are consistent, the designated IP address server system P deducts the amount dollar N yuan from the account of the payer, and adds the amount RMB M yuan to the account of the payee;

17. if not, the IP address server system is determined to send a request for resending the money receiving information instruction to the intelligent equipment of the payee, and the intelligent equipment of the payee executes the steps from the step 9 again;

18. the appointed IP address server system P takes the random number or the dynamic password X and/or the request transaction time information T as the correlation basis of the payer and the payee, and respectively sends a transaction success instruction K to the intelligent equipment of the payee and the intelligent equipment of the payer;

19. and after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended.

Another method (see fig. 5):

13. after the intelligent equipment of the payer receives the request payment information XTM-, the intelligent equipment of the payer adds a request conversion dollar instruction Z into the request payment information XTM-, and then forms new request payment information XTM-Z;

14. the intelligent equipment of the payer sends new payment request information XTM-Z to a designated IP address server system P;

15. after the appointed IP address server system P receives the payment request information XTM-Z sent by the intelligent equipment of the payer, converting the dollar N element equivalent to the RMB M element through a preset exchange rate conversion module;

16. after the designated IP address server system P finishes the exchange rate conversion, whether the random number or the dynamic password X in the request payment information XTM + sent by the intelligent equipment of the payee and the request transaction time information T are consistent with the random number or the dynamic password X in the request payment information XTM-Z sent by the intelligent equipment of the payer and the request transaction time information T is verified;

17. if the two are consistent, the designated IP address server system P deducts the amount dollar N yuan from the account of the payer, and adds the amount RMB M yuan to the account of the payee;

18. if not, the IP address server system P is appointed to send a resending request collection information instruction to the intelligent equipment of the collection party, and the intelligent equipment of the collection party executes the steps from the step 9 again;

19. the appointed IP address server system P takes the random number or the dynamic password X and/or the request transaction time information T as the correlation basis of the payer and the payee, and respectively sends a transaction success instruction K to the intelligent equipment of the payee and the intelligent equipment of the payer;

20. and after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended.

Example 4:

Now, taking the example that the payer actively sends a transaction request and the payee responds to the receipt request:

9. the intelligent equipment of the payer sends request payment information to an appointed IP address server system P, and the request payment information requires deduction of M yuan of RMB in the RMB account of the payer, and comprises a random number or a dynamic password X, request transaction time information T, transaction amount RMB M yuan and a payment instruction-, namely XTM-;

11. after receiving the response information sent by the appointed IP address server system P, the intelligent device of the payer sends request collection information to the intelligent device of the payee, wherein the request collection information comprises a random number or a dynamic password X, request transaction time information T, a transaction amount RMB M element and collection instruction +, namely XTM +;

12. the request collection information XTM + sent by the payer can be transmitted to the intelligent device of the payee in a non-encryption or encryption mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

13. after the intelligent equipment of the payee receives the request receipt information XTM +, the intelligent equipment of the payee converts the transaction amount RMB M element into U.S. dollar N element through a preset exchange rate conversion module;

14. after the intelligent equipment of the payee finishes the exchange rate conversion, the request collection information XTM + is modified into new request collection information XTN +, the new request collection information XTN + is selected to be transmitted to the appointed IP address server system P, and the dollar amount N is required to be added to the dollar account of the payee;

15. after the appointed IP address server system P receives the request payment information XTN + sent by the intelligent device of the payee and the request payment information XTM-sent by the intelligent device of the payer, whether the RMB M element is equivalent to the USD N element or not is verified, if so, whether the random number or the dynamic password X in the request payment information XTM-sent by the intelligent device of the payer and the request transaction time information T are consistent or not is verified, if not, the appointed IP address server system sends a command of resending the request payment information to the intelligent device of the payer, and the intelligent device of the payer executes the steps from step 9 again;

16. if the sum is consistent, the designated IP address server system deducts M yuan from the account of the payer and adds N yuan to the account of the payee;

17. if not, the designated IP address server system sends a command of resending the request payment information to the intelligent equipment of the payer, and the intelligent equipment of the payer executes the steps from the step 9 again;

The other method comprises the following steps:

13. after the intelligent equipment of the payee receives the request receipt information XTM +, the intelligent equipment of the payee adds a dollar instruction Z for requesting conversion into the request receipt information XTM +, and then forms new request receipt information XTM + Z;

14. the intelligent equipment of the payee sends new request receipt information XTM + Z to a designated IP address server system P;

15. after the appointed IP address server system P receives the request collection information XTM + Z sent by the intelligent equipment of the payee, converting the dollar N element equivalent to the RMB M element through a preset exchange rate conversion module;

16. after the designated IP address server system P finishes the exchange rate conversion, whether the random number or the dynamic password X in the request payment information XTM + Z sent by the intelligent equipment of the payee and the request transaction time information T are consistent with the random number or the dynamic password X in the request payment information XTM-sent by the intelligent equipment of the payer and the request transaction time information T is verified;

17. if the sum is consistent, the designated IP address server system deducts M yuan from the account of the payer and adds N yuan to the account of the payee;

18. if not, the designated IP address server system sends a command of resending the request payment information to the intelligent equipment of the payer, and the intelligent equipment of the payer executes the steps from the step 9 again;

Example 5:

the money accounts of the RMB between two transaction parties are different banks, for example, the account of a payee is an industrial and commercial bank account S, the designated IP address server system is P1, the account of a payer is an invoicing bank account F, the designated IP address server system is P2, and the transaction money is RMB M yuan.

A third party payment platform D having a rmb fund account D1 at the merchant bank and a rmb fund account D2 at the recruiter bank.

Now, taking the example that the payee sends the transaction request actively and the payer answers the payment request (see fig. 6):

1. the payee registers on the third-party payment platform D in advance to obtain identity information, such as account information, a user name or a mobile phone number and the like, and binds the identity information to an industrial and commercial bank account S;

2. the payer registers on a third-party payment platform D in advance to obtain identity information, such as account information, a user name or a mobile phone number and the like, and binds an account F of the payer in a tendering bank;

3. the intelligent device of the payee, such as a cash register, a POS machine, a mobile phone, a PDA, a tablet computer, a notebook computer, a computer and the like, is connected with the third-party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode;

4. the payee sends the pre-registered identity information to a third-party payment platform D for identity authentication;

5. the third-party payment platform D authenticates the identity information of the intelligent equipment of the payee, if the information is correct, the authentication of the intelligent equipment of the payee is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payee;

6. after the intelligent device of the payee obtains the authentication of the third-party payment platform D, the intelligent device enters a payment preparation state;

7. the intelligent device of the payer, such as a mobile phone, a PDA, a tablet computer, a notebook computer, a POS machine and the like, is connected with the third party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode;

8. the intelligent equipment of the payer sends the pre-registered identity information to a third-party payment platform D for identity authentication;

9. the third-party payment platform D authenticates the identity information of the intelligent equipment of the payer, if the information is correct, the authentication of the intelligent equipment of the payer is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payer;

10. after the intelligent equipment of the payer obtains the authentication of the third-party payment platform D, the intelligent equipment enters a payment preparation state;

11. the intelligent device of the payee sends request collection information to a third-party payment platform D, and the request collection information requires to add RMB M yuan in the bound industrial and commercial bank account S, and comprises a random number or a dynamic password X, request transaction time information T, transaction RMB M yuan and a collection instruction +, namely XTM +;

12. after receiving the request receipt information XTM +, the third-party payment platform D sends response information to the intelligent equipment of the payee;

13. after receiving the response information sent by the third-party payment platform D, the intelligent device of the payee sends payment request information to the intelligent device of the payer, wherein the payment request information comprises a random number or a dynamic password X, transaction request time information T, a transaction amount RMB M element and a payment instruction-, namely XTM-;

14. the payment request information XTM-sent by the payee can be transmitted to the intelligent equipment of the payer in an unencrypted or encrypted mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

15. after receiving the payment request information XTM-, the intelligent equipment of the payer selects to transmit the payment request information XTM-to a third-party payment platform D and requests to deduct RMB M element in an account F of a tenderer bank bound by the intelligent equipment of the payer;

16. after receiving the payment request information XTM-sent by the intelligent equipment of the payer and the payment request information XTM + sent by the intelligent equipment of the payee, the third-party payment platform D verifies whether the random number or the dynamic password X in the payment request information XTM +, the transaction request time information T and the transaction amount RMB M element sent by the intelligent equipment of the payee are consistent with the random number or the dynamic password X in the payment request information XTM-, the transaction request time information T and the transaction amount RMB M element sent by the intelligent equipment of the payer;

17. if the transaction amount is consistent with the transaction amount M element, the random number or the dynamic password X and/or the transaction request time information T are/is used as the basis for the association between the payer and the payee by the third-party payment platform D, the designated IP address server system P2 is selected to be connected, a transfer request instruction is sent to the recruiter bank, and the transaction amount M element is requested to be transferred from the payer to the account F of the recruiter bank by the third-party payment platform D to the account D2 of the recruiter bank;

18. after the appointed IP address server system P2 receives the transfer request of the third party payment platform D, deducting M yuan of money reduced from the money attracting bank account F of the payer, and adding M yuan of money increased from the money attracting bank account D2 of the third party payment platform D;

19. after the designated IP address server system P2 finishes the transfer, sending a transfer success instruction Q2 to the third party payment platform D;

20. after receiving a transfer success instruction Q2 sent by a tenderer bank, the third party payment platform D is connected with an appointed IP address server system P1, sends a transfer request instruction to a worker bank and requests to transfer the transaction amount RMB M element to a worker bank account S of a payee from an account D1 of the third party payment platform D;

21. after the appointed IP address server system P1 receives a transfer request instruction of a third party payment platform D, deducting M yuan of money reduction RMB from the third party payment platform D in a commercial bank account D1, and adding M yuan of money reduction RMB in a commercial bank account S by a payee;

22. after the designated IP address server system P1 finishes the transfer, sending a transfer success instruction Q1 to the third party payment platform D;

23. after receiving the transfer success instructions Q1 and Q2, the third party payment platform D sends a transaction success instruction K to the intelligent devices of the payee and the payer respectively;

24. after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended;

25. if not, the third party payment platform D sends the resending request collection information to the intelligent device of the collection party, and the intelligent device of the collection party re-executes the steps from the step 11.

If the fund accounts of the payer and the payee are the same bank, the transaction settlement can also be carried out by adopting the method.

Example 6:

A third party payment platform D having a funding account D1 at the merchant bank and a funding account D2 at the recruiter bank.

3. the intelligent device of the payer is connected with a third party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode;

4. the payer sends the pre-registered identity information to a third-party payment platform D for identity authentication;

5. the third-party payment platform D authenticates the identity information of the intelligent equipment of the payer, if the information is correct, the authentication of the intelligent equipment of the payer is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payer;

6. after the intelligent equipment of the payer obtains the authentication of the third-party payment platform D, the intelligent equipment enters a payment preparation state;

7. the intelligent device of the payee is connected with the third-party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode and the like;

8. the intelligent equipment of the payee sends the pre-registered identity information to a third-party payment platform D for identity authentication;

9. the third-party payment platform D authenticates the identity information of the intelligent equipment of the payee, if the information is correct, the authentication of the intelligent equipment of the payee is passed, and if the information is incorrect, rejection information is sent to the intelligent equipment of the payee;

10. after the intelligent device of the payee obtains the authentication of the third-party payment platform D, the intelligent device enters a payment preparation state;

11. the intelligent equipment of the payer sends request payment information to a third-party payment platform D, and the request payment information requires deduction of M yuan of RMB in a bound money-inviting bank account F, and comprises a random number or a dynamic password X, request transaction time information T, transaction amount RMB M yuan and a payment instruction, namely XTM-;

12. after receiving the payment request information XTM-, the third-party payment platform D sends response information to the intelligent equipment of the payer;

13. after receiving the response information sent by the third-party payment platform D, the intelligent device of the payer sends request collection information to the intelligent device of the payee, wherein the request collection information comprises a random number or a dynamic password X, request transaction time information T, a transaction amount RMB M element and collection instruction +, namely XTM +;

14. the request collection information XTM + sent by the payer can be transmitted to the intelligent device of the payee in a non-encryption or encryption mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

15. after receiving the request money receiving information XTM +, the intelligent device of the payee selects to transmit the request money receiving information XTM + to a third-party payment platform D and requests to increase the amount RMB M element in an account S of the merchant bank bound by the intelligent device of the payee;

17. if the payment amount is consistent with the transaction amount M element, the random number or the dynamic password X and/or the request transaction time information T are used as the basis for the association of the payer and the payee by the third-party payment platform D, and the third-party payment platform D is connected with the appointed IP address server system P2, sends a transfer request instruction to the recruiter bank and requests to transfer the transaction amount RMB element from the payer to the recruiter bank account F to the third-party payment platform D2;

20. after receiving a transfer success instruction Q2 sent by the appointed IP address server system P2, the third party payment platform D is connected with the appointed IP address server system P1, sends a transfer request instruction to a commercial bank and requests to transfer the transaction amount RMB M element to a commercial bank account S of a payee from an account D1 of the third party payment platform D in the commercial bank;

25. if not, the third party payment platform D sends the resend request payment information to the intelligent device of the payer, and the intelligent device of the payer re-executes the steps from the step 11.

Example 7:

the bank with the non-identical fund account of both parties of the transaction, for example, the payee account is the bank account S of the industrial and commercial bank, which designates the IP address server system as P1, the payer is the bank account F of the recruiter, which designates the IP address server system as P2, and the transaction is in a different currency, assuming that the chinese rmb M-dollar is equal to the U.S. dollar N-dollar.

A third party payment platform D having a rmb funds account D1 at the merchant bank and a dollar funds account D2 at the recruiter bank.

Now, taking the example that the payee sends the transaction request actively and the payer answers the payment request (see fig. 7):

1. a payee registers on a third-party payment platform D in advance to obtain identity information, such as account information or a user name or a mobile phone number and the like, and binds the identity information to a RMB account S of an industrial and commercial bank;

2. the payer registers on a third-party payment platform D in advance to obtain identity information, such as account information, a user name or a mobile phone number and the like, and binds a dollar account F of the payer in a money-attracting bank;

3. the intelligent device of the payee is connected with the third-party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode and the like;

4. the intelligent equipment of the payee sends the pre-registered identity information to a third-party payment platform D for identity authentication;

7. the intelligent device of the payer is connected with a third party payment platform D in a 2G or 3G or 4G or 5G or WiFi mode;

11. the intelligent device of the payee sends request collection information to a third-party payment platform D, and the request collection information comprises a random number or a dynamic password X, request transaction time information T, transaction amount RMB M and collection instruction +, namely XTM +;

15. after the intelligent equipment of the payer receives the payment request information XTM-, the intelligent equipment of the payer converts the transaction amount RMB M yuan into a dollar N yuan through a preset exchange rate conversion module;

16. after the intelligent equipment of the payer finishes exchange rate conversion, the request payment information XTM-is modified into new request payment information XTN-, and then the new request payment information XTN-is selected to be transmitted to a third party payment platform D, and the dollar N element of the money is requested to be deducted from the dollar account F of the tenderer bank bound by the intelligent equipment of the payer;

17. after receiving the payment request information XTN-sent by the intelligent device of the payer and the payment request information XTM + sent by the intelligent device of the payee, the third-party payment platform D verifies whether the RMB M element is equivalent to the USD N element, if so, verifies whether the random number or the dynamic password X in the payment request information XTM + sent by the intelligent device of the payee and the transaction request time information T are consistent with the random number or the dynamic password X in the payment request information XTN-sent by the intelligent device of the payer and the transaction request time information T;

18. if the payment amount is consistent with the transaction amount dollar N element, the random number or the dynamic password X and/or the request transaction time information T are used as the basis for the association of the payer and the payee by the third-party payment platform D, the third-party payment platform D is connected with the designated IP address server system P2, and a transfer request instruction is sent to the recruiter bank to request the transfer of the transaction amount dollar N element from the dollar account F of the payer in the recruiter bank to the dollar account D2 of the third-party payment platform D in the recruiter bank;

19. after the appointed IP address server system P2 receives the transfer request of the third party payment platform D, deducting the amount of dollar N yuan from the money account F of the tenderer bank of the payer, and adding the amount of dollar N yuan to the money account D2 of the tenderer bank of the third party payment platform D;

20. after the designated IP address server system P2 finishes the transfer, sending a transfer success instruction Q2 to the third party payment platform D;

21. after receiving a transfer success instruction Q2 sent by a tenderer bank, the third party payment platform D is connected with an appointed IP address server system P1, sends a transfer request instruction to the industrial and commercial bank and requests to transfer the transaction amount RMB M element to an industrial and commercial bank account S of a payee from a RMB account D1 of the third party payment platform D;

22. after the appointed IP address server system P1 receives a transfer request instruction of a third party payment platform D, deducting M yuan of money reduction RMB from the RMB account D1 of the industrial and commercial bank from the third party payment platform D, and adding M yuan of money addition RMB in the RMB account S of the industrial and commercial bank by a payee;

23. after the designated IP address server system P1 finishes the transfer, sending a transfer success instruction Q1 to the third party payment platform D;

24. after receiving the transfer success instructions Q1 and Q2, the third party payment platform D sends a transaction success instruction K to the intelligent devices of the payee and the payer respectively;

25. after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended;

26. if not, the third party payment platform D sends the resending request collection information to the intelligent device of the collection party, and the intelligent device of the collection party re-executes the steps from the step 11.

Another method (see fig. 8):

1. the payee registers on the third-party payment platform D in advance to obtain identity information, such as account information, a user name or a mobile phone number and the like, and binds the RMB S in the industrial and commercial bank account;

15. after the intelligent equipment of the payer receives the request payment information XTM-, the intelligent equipment of the payer adds a request conversion dollar instruction Z into the request payment information XTM-, and then forms new request payment information XTM-Z;

16. the intelligent device of the payer sends new payment request information XTM-Z to a third party payment platform D and requests to deduct dollars equivalent to M dollars of the reduction amount RMB from a dollar account F of a tenderer bank bound by the intelligent device of the payer;

17. after receiving new payment request information XTN-Z sent by intelligent equipment of a payer, a third-party payment platform D converts the new payment request information XTN-Z into dollar N elements equivalent to RMB M elements through a preset exchange rate conversion module;

18. after the third party payment platform D finishes the exchange rate conversion, whether the random number or the dynamic password X in the request payment information XTM + sent by the intelligent equipment of the payee and the request transaction time information T are consistent with the random number or the dynamic password X in the new request payment information XTM-Z sent by the intelligent equipment of the payer and the request transaction time information T is verified;

19. if the payment amount is consistent with the transaction amount dollar N element, the random number or the dynamic password X and/or the request transaction time information T are used as the basis for the association of the payer and the payee by the third-party payment platform D, the third-party payment platform D is connected with the designated IP address server system P2, and a transfer request instruction is sent to the recruiter bank to request the transfer of the transaction amount dollar N element from the dollar account F of the payer in the recruiter bank to the dollar account D2 of the third-party payment platform D in the recruiter bank;

20. after the appointed IP address server system P2 receives the transfer request of the third party payment platform D, deducting the amount of dollar N yuan from the money account F of the tenderer bank of the payer, and adding the amount of dollar N yuan to the money account D2 of the tenderer bank of the third party payment platform D;

21. after the designated IP address server system P2 finishes the transfer, sending a transfer success instruction Q2 to the third party payment platform D;

22. after receiving a transfer success instruction Q2 sent by a tenderer bank, the third party payment platform D is connected with an appointed IP address server system P1, sends a transfer request instruction to the industrial and commercial bank and requests to transfer the transaction amount RMB M element to an industrial and commercial bank RMB account S of a payee from a RMB account D1 of the third party payment platform D;

23. after the appointed IP address server system P1 receives a transfer request instruction of a third party payment platform D, deducting M yuan of money reduction RMB from the RMB account D1 of the industrial and commercial bank from the third party payment platform D, and adding M yuan of money addition RMB in the RMB account S of the industrial and commercial bank by a payee;

24. after the designated IP address server system P1 finishes the transfer, sending a transfer success instruction Q1 to the third party payment platform D;

25. after receiving the transfer success instructions Q1 and Q2, the third party payment platform D sends a transaction success instruction K to the intelligent devices of the payee and the payer respectively;

26. after the intelligent devices of the payee and the payer receive the transaction success instruction K, the financial transaction is ended;

27. if not, the third party payment platform D sends the resending request collection information to the intelligent device of the collection party, and the intelligent device of the collection party re-executes the steps from the step 11.

If the payer and payee fund accounts are different currency fund accounts of the same bank, the transaction settlement can also be carried out by adopting the method.

Example 8:

1. a payee registers on a third-party payment platform D in advance to obtain identity information, such as account information or a user name or a mobile phone number and the like, and binds a RMB account S of the payee in an industrial and commercial bank;

2. the method comprises the following steps that a payer registers on a third-party payment platform D in advance to obtain identity information such as account information or a user name or a mobile phone number and binds a dollar account F of the payer in a tendering bank;

4. the intelligent equipment of the payer sends the pre-registered identity information to a third-party payment platform D for identity authentication;

11. the intelligent equipment of the payer sends request payment information to a third-party payment platform D, and the request payment information requires deduction of dollar N yuan from a dollar account F of the own tenderer bank, and comprises a random number or a dynamic password X, request transaction time information T, transaction amount dollar N yuan and a payment instruction-, namely XTN-;

12. after receiving the payment request information XTN-, the third-party payment platform D sends response information to the intelligent equipment of the payer;

13. after receiving the response information sent by the third-party payment platform D, the intelligent device of the payer sends request payment information to the intelligent device of the payee, wherein the request payment information comprises a random number or a dynamic password X, request transaction time information T, a transaction amount dollar N element and payment instruction +, namely XTN +;

14. the request collection information XTN + sent by the payer can be transmitted to the intelligent device of the payee in a non-encryption or encryption mode through modes of scanning a two-dimensional code, scanning a bar code, NFC, Bluetooth and the like;

15. after the intelligent equipment of the payee receives the request receipt information XTN +, the intelligent equipment of the payee converts the transaction amount dollar N element into the RMB M element through a preset exchange rate conversion module;

16. after the intelligent equipment of the payee finishes exchange rate conversion, the request collection information XTN + is modified into new request collection information XTM +, the new request payment information XTM + is selected to be transmitted to a third party payment platform D, and the amount RMB M element is requested to be added from the RMB account S of the industrial and commercial bank bound by the intelligent equipment;

17. after receiving the payment request information XTN-sent by the intelligent device of the payer and the payment request information XTM + sent by the intelligent device of the payee, the third-party payment platform D verifies whether the USD N element is equivalent to the RMB M element, if so, whether the random number or the dynamic password X in the payment request information XTN-sent by the intelligent device of the payer and the transaction request time information T are consistent with the random number or the dynamic password X in the payment request information XTM + sent by the intelligent device of the payee and the transaction request time information T is not equivalent, if not, the third-party payment platform D sends a payment request information resending instruction to the intelligent device of the payer, and the intelligent device of the payer carries out the steps from the step 11 again;

18. if the payment data are consistent, the third party payment platform D takes the random number or the dynamic password X and/or the request transaction time information T as the basis for the association of the payer and the payee, is connected with the appointed IP address server system P2, sends a transfer request instruction to the recruiter bank and requests to transfer the transaction amount dollar N yuan from the dollar account F of the payer at the recruiter bank to the dollar account D2 of the third party payment platform D at the recruiter bank;

19. after the appointed IP address server system P2 receives the transfer request of the third party payment platform D, deducting the amount of dollar N yuan from the dollar account F of the tenderer bank of the payer, and adding the amount of dollar N yuan to the dollar account D2 of the tenderer bank of the third party payment platform D;

21. after receiving a transfer success instruction Q2 sent by the appointed IP address server system P2, the third party payment platform D is connected with the appointed IP address server system P1, sends a transfer request instruction to a commercial bank and requests to transfer the transaction amount RMB M element to a RMB account S of the commercial bank of a payee from a RMB account D1 of the third party payment platform D;

23. after the designated IP address server system P1 finishes the transfer, sending a transfer success instruction Q2 to the third party payment platform D;

26. if not, the third party payment platform D sends a command of resending the request payment information to the intelligent device of the payer, and the intelligent device of the payer executes the steps from the step 11 again.

The other method comprises the following steps:

15. after the intelligent device of the payee receives the request receipt information XTN +, the intelligent device of the payee adds a request conversion dollar instruction Z into the request receipt information XTN +, and then forms new request payment information XTN + Z;

16. the intelligent device of the payee sends new request collection information XTN + Z to a third party payment platform D and requests to add RMB with dollar N-element equivalent amount in the RMB account S of the own industrial and commercial bank;

17. after receiving the information XTN + Z for requesting to collect, sent by the intelligent equipment of the payee, the third-party payment platform D calculates M elements of the RMB equivalent to the dollar N elements through a preset exchange rate conversion module;

18. after the third party payment platform D finishes the exchange rate conversion, whether the random number or the dynamic password X in the request payment information XTN-sent by the intelligent equipment of the payer is consistent with the request transaction time information T or not and whether the random number or the dynamic password X in the request collection information XTN + Z sent by the intelligent equipment of the payee is consistent with the request transaction time information T or not are verified;

19. if the payment data are consistent, the third party payment platform D takes the random number or the dynamic password X and/or the request transaction time information T as the basis for the association of the payer and the payee, is connected with the appointed IP address server system P2, sends a transfer request instruction to the recruiter bank and requests to transfer the transaction amount dollar N yuan from the dollar account F of the payer at the recruiter bank to the dollar account D2 of the third party payment platform D at the recruiter bank;

20. after receiving the transfer request instruction of the third-party payment platform D, the designated IP address server system P2 deducts the amount of dollar N yuan from the dollar account F of the tenderer bank of the payer and increases the amount of dollar N yuan from the dollar account D2 of the tenderer bank of the third-party payment platform D;

22. after receiving a transfer success instruction Q2 sent by the appointed IP address server system P2, the third party payment platform D is connected with the appointed IP address server system P1, sends a transfer request instruction to a commercial bank and requests to transfer the transaction amount RMB M element to a RMB account S of the commercial bank of a payee from a RMB account D1 of the third party payment platform D;

24. after the designated IP address server system P1 finishes the transfer, sending a transfer success instruction Q2 to the third party payment platform D;

27. if not, the third party payment platform D sends a command of resending the request payment information to the intelligent device of the payer, and the intelligent device of the payer executes the steps from the step 11 again.

Claims

1. A mobile payment transaction method, comprising the steps of:

(1) the intelligent device of the payee and the intelligent device of the payer are connected with the appointed IP address server system or the third-party payment platform;

(2) the intelligent device of the payee or the intelligent device of the payer sends one of or any permutation and combination of three elements including a random number, a dynamic password and transaction request time information as well as request payment information or request payment information of transaction information to a specified IP address server system or a third-party payment platform;

(4) appointing an IP address server system or a third-party payment platform to verify whether the random number or the dynamic password in the information of requesting payment sent by the intelligent equipment of the payee and the time information of requesting transaction are consistent with the random number or the dynamic password in the information of requesting payment sent by the intelligent equipment of the payer and the time information of requesting transaction;

(5) and after the verification is consistent, completing the payment transaction, and using one of the three elements of the random number, the dynamic password and the transaction request time information or any permutation and combination of the three elements as the association basis of the payer and the payee by the appointed IP address server system or the third-party payment platform.

2. The mobile payment transaction method of claim 1, wherein the connection between the intelligent device of the payee and the intelligent device of the payer to the designated IP address server system or the third party payment platform comprises the following steps:

(2) the intelligent device of the payer is connected with a designated IP address server system or a third party payment platform of the account of the payer.

3. The mobile payment transaction method according to claim 1 or 2, wherein the intelligent device of the payee or the intelligent device of the payer sends one or any permutation and combination of three elements including a random number, a dynamic password and information of transaction time, the requested payment information of the transaction information or the transaction information in the requested payment information to the designated IP address server system or the third party payment platform, and the method comprises the following features:

4. A mobile payment transaction method as claimed in claim 1 or 2, wherein the request payment information or the request receipt information is transmitted between the intelligent device of the payee and the intelligent device of the payer in a non-encrypted or encrypted manner by scanning or wireless communication, which includes the following features:

(1) and the intelligent device of the payee and the intelligent device of the payer transmit payment request information or payment request information in a non-encryption or encryption mode through scanning a two-dimensional code or scanning a bar code or in an NFC or Bluetooth mode.