CN106910053A - Method of mobile payment, relevant apparatus and system - Google Patents

Method of mobile payment, relevant apparatus and system Download PDF

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Publication number
CN106910053A
CN106910053A CN201510973593.4A CN201510973593A CN106910053A CN 106910053 A CN106910053 A CN 106910053A CN 201510973593 A CN201510973593 A CN 201510973593A CN 106910053 A CN106910053 A CN 106910053A
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China
Prior art keywords
mobile
payment
transferred
payment system
identification information
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CN201510973593.4A
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Chinese (zh)
Inventor
何进龙
王彬
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Huawei Technologies Co Ltd
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Huawei Technologies Co Ltd
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Priority to CN201510973593.4A priority Critical patent/CN106910053A/en
Priority to PCT/CN2016/103421 priority patent/WO2017107653A1/en
Priority to BR112018012556A priority patent/BR112018012556A2/en
Publication of CN106910053A publication Critical patent/CN106910053A/en
Pending legal-status Critical Current

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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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a kind of method of mobile payment, mobile payment server and payment intercommunication server, in the method for mobile payment that the present invention is provided, first mobile-payment system is after the transfer request for receiving user, identification information according to the side of being transferred to sends route request information to obtain the mark of the second mobile-payment system where the side of being transferred to intercommunication server is paid, then transfer request directly is initiated to the second mobile-payment system, so as to realize being transferred accounts to the side of being transferred to.Compared with prior art, method of mobile payment provided in an embodiment of the present invention need not process transfer request when being transferred accounts by payment intercommunication server, and processing procedure is simple, improves mobile payment efficiency.

Description

Method of mobile payment, relevant apparatus and system
Technical field
The present invention relates to mobile communication technology field, in particular to a kind of method of mobile payment, Relevant apparatus and system.
Background technology
Mobile payment is also referred to as mobile-phone payment, and it allows user using its mobile terminal to being consumed Commodity or service carry out account payment.The platform or system of mobile payment service are provided, we are referred to as It is mobile-payment system.The Paypal payment systems that for example eBay companies provide, Tencent carries The wechat payment system of confession, M-pesa payment systems that Waduven company provides etc..
Existing mobile-payment system is when user is registered, and the commonly provided mobile station is international comprehensive Service digital network (Integrated Services Digital Network, ISDN) number (Mobile Station International ISDN Number, MSISDN) registering functional, abbreviation phone number Registration, phone number can identify the user in the mobile-payment system.
Function of transferring accounts is the basic function that mobile-payment system is provided.Prior art provides one Plant the function of transferring accounts of being realized by phone number between payment system.Fig. 1 is provided for prior art Cross-system method of mobile payment, it comprises the following steps：
Step 101, the mobile-payment system of the side of producing receive the transfer request that the side of producing user sends, Account information, the phone number and transfer amounts of the side of being transferred to of the side of producing are carried in transfer request.
Step 102, the side of producing the corresponding movement of phone number from mobile-payment system to the side of being transferred to Terminal sends a notification message, wherein carrying the accounts information of transfer amounts and the side of producing.
Step 103, the mobile-payment system of the side of producing receive the side's of being transferred to account letter that the side of being transferred to sends Breath.
Step 104, the mobile-payment system of the side of producing are according to the side's of being transferred to accounts information to payment intercommunication Server sends transfer request, wherein carrying the accounts information of transfer amounts and the side of being transferred to；
The transfer request that step 105, payment intercommunication server treatment are received, preserves transfer data, And send confirmation message to the side's of producing mobile-payment system；
Step 106, payment intercommunication server send transfer request to the mobile-payment system of the side of being transferred to, Wherein carry the accounts information and transfer amounts of the side of being transferred to；
The transfer request that step 107, the mobile-payment system treatment of the side of being transferred to are received, preserves and turns Account data, and confirmation message is sent to intercommunication server is paid, confirm mobile payment success.
Method of mobile payment of the prior art needs to process transfer request by payment intercommunication server, Needing payment intercommunication server has accounting processing, the function of clearing, data processing complex, at it The reason cycle is more long so that payment efficiency is relatively low.
The content of the invention
The embodiment of the invention provides a kind of method for improving mobile payment efficiency, device and mobile branch The system of paying.
In a first aspect, the embodiment of the present invention provides a kind of method of mobile payment, the first movement is applied to Payment system, it includes：
The first transfer request message is obtained, the mark of the side of being transferred to is carried in the first transfer request message Knowledge information and transfer amounts data；
Route request information is sent to intercommunication server is paid, institute is carried in the route request information State the identification information of the side of being transferred to；
Receive the route response message for paying intercommunication server return, the route response message The identification information of corresponding second mobile-payment system in the side of being transferred to described in middle carrying；
Identification information according to second mobile-payment system is to second mobile-payment system The second transfer request message is sent, the mark of the side of being transferred to is carried in the second transfer request message Knowledge information and transfer amounts data；
Receive the transfer result response message that second mobile-payment system is returned.
In method of mobile payment provided in an embodiment of the present invention, the first mobile-payment system is being received To after the transfer request of user, the identification information according to the side of being transferred to sends road to intercommunication server is paid The mark of the second mobile-payment system where the side of being transferred to is obtained as request message, then directly to Second mobile-payment system initiates transfer request, so as to realize being transferred accounts to the side of being transferred to.With prior art Compare, method of mobile payment provided in an embodiment of the present invention need not be mutual by paying when being transferred accounts Logical server process transfer request, processing procedure is simple, improves mobile payment efficiency.
With reference in a first aspect, in the first embodiment of first aspect, the route response message In also carry the payment interface information of second mobile-payment system；
The identification information according to the second mobile-payment system is to second mobile-payment system Sending the second transfer request message includes：
Identification information and payment interface information according to second mobile-payment system is to described Two mobile-payment systems send the second transfer request message.
With reference in a first aspect, the first embodiment of first aspect, second in first aspect is real Apply in mode, the first transfer request message is obtained and described to payment intercommunication server transmission described Also include between route request information：
Whether the side of being transferred to described in the identification information determination according to the side of being transferred to belongs to the first movement branch The system of paying；
When the side of being transferred to is not belonging to the first mobile-payment system, perform described to payment intercommunication clothes The step of business device sends route request information.
With reference in a first aspect, in the third implementation method of first aspect, methods described also includes：
Registration message is sent to the payment intercommunication server, described turning is carried in the registration message The mark of the identification information of the side of going out and first mobile-payment system, in order to pay intercommunication clothes The identification information of the user of registration and corresponding movement in each mobile-payment system are preserved on business device The mark of payment system.
Second aspect, the present invention provides a kind of method of mobile payment, is applied to pay intercommunication server, It includes：
The route request information of the first mobile-payment system transmission is received, in the route request information Carry the identification information of the side of being transferred to；
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The mark of system；
Route response message is sent to first mobile-payment system, in the route response message Carry the identification information of corresponding second mobile-payment system in the side of being transferred to.
With reference to second aspect, in the first possible implementation, the mark letter according to the side of being transferred to The mark of breath inquiry corresponding second mobile-payment system in the side of being transferred to includes：
The corresponding multiple mobile-payment systems in the side of being transferred to according to the identification information-enquiry of the side of being transferred to；
Obtain the mark of preferred second mobile-payment system in the side of being transferred to described in Query Result.
With reference to second aspect, in second possible implementation, methods described also includes：
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The payment interface information of system；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message, in order to the first mobile-payment system directly according to the interface message for receiving to second Mobile-payment system sends transfer request, without in local search payment interface information, improving Efficiency of transferring accounts.
With reference to second aspect, the first possible implementation of second aspect, the of second aspect Two kinds of possible implementations, in the third possible implementation, methods described also includes：
The registration message of the second mobile-payment system transmission is received, carries described in the registration message The mark of the identification information of the side of being transferred to and second mobile-payment system.
The third aspect, the embodiment of the present invention provides a kind of mobile payment server, is applied to the first shifting Dynamic payment system, it includes：
Transfer request acquiring unit, for obtaining the first transfer request message, described first transfers accounts please Seek the identification information and transfer amounts data of the carrying side of being transferred in message；
Route requests unit, for sending route request information, the road to payment intercommunication server By the identification information that the side of being transferred to is carried in request message；
Response receiving unit, disappears for receiving the route response that the payment intercommunication server is returned Breath, carries the mark of corresponding second mobile-payment system in the side of being transferred in the route response message Knowledge information；
Request transmitting unit, for according to the identification information of second mobile-payment system to described Second mobile-payment system sends the second transfer request message, is taken in the second transfer request message The identification information and transfer amounts data of the band side of being transferred to；
The response receiving unit is additionally operable to receive transferring accounts for the second mobile-payment system return As a result response message.
With reference to the third aspect, in the first possible implementation, in the route response message Also carry the payment interface information of second mobile-payment system；
The request transmitting unit is according to the identification information of the second mobile-payment system to described second Mobile-payment system sends the second transfer request message to be included：
Identification information and payment of the request transmitting unit according to second mobile-payment system Interface message sends the second transfer request message to second mobile-payment system.
With reference to the third aspect, the first possible implementation of the third aspect may at second Implementation in, it is described acquisition the first transfer request message and it is described to pay intercommunication server Also include between transmission route request information：
Whether the side of being transferred to described in the identification information determination according to the side of being transferred to belongs to the first movement branch The system of paying；
When the side of being transferred to is not belonging to the first mobile-payment system, perform described to payment intercommunication clothes The step of business device sends route request information.
With reference to the third aspect, the first possible implementation of the third aspect, the of the third aspect Two kinds of possible implementations, it is described to ask in the third possible implementation of the third aspect Transmitting element is asked to be additionally operable to send registration message, the registration message to the payment intercommunication server The mark of the identification information of the side of producing described in middle carrying and first mobile-payment system.
Fourth aspect, the embodiment of the present invention provides a kind of payment intercommunication server, and it includes：
Request reception unit, for receiving the route request information that the first mobile-payment system sends, The identification information of the side of being transferred to is carried in the route request information；
Routing inquiry unit, it is right for the side of being transferred to described in the identification information-enquiry according to the side of being transferred to The mark of the second mobile-payment system answered；
Response transmitting element, for sending route response message to first mobile-payment system, The mark of corresponding second mobile-payment system in the side of being transferred to is carried in the route response message Information.
With reference to fourth aspect, in the first possible implementation, the routing inquiry unit root According to the side of being transferred to identification information-enquiry described in corresponding second mobile-payment system in the side of being transferred to mark Including：
The corresponding multiple in routing inquiry unit side of being transferred to according to the identification information-enquiry of the side of being transferred to Mobile-payment system, obtains preferred second mobile-payment system in the side of being transferred to described in Query Result Mark.
With reference to fourth aspect, the first possible implementation of fourth aspect may at second Implementation in, the routing inquiry unit is additionally operable to be looked into according to the identification information of the side of being transferred to Ask the payment interface information of corresponding second mobile-payment system in the side of being transferred to；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message.
5th aspect, the embodiment of the present invention provides a kind of mobile payment server, is applied to the first shifting Dynamic payment system, it includes input equipment, output equipment, memory and processor, the storage Device stores executable code, when the executable code stored in memory described in the computing device When, the mobile payment server performs following method：
The first transfer request message is obtained, the mark of the side of being transferred to is carried in the first transfer request message Knowledge information and transfer amounts data；
Route request information is sent to intercommunication server is paid, institute is carried in the route request information State the identification information of the side of being transferred to；
Receive the route response message for paying intercommunication server return, the route response message The identification information of corresponding second mobile-payment system in the side of being transferred to described in middle carrying；
Identification information according to second mobile-payment system is to second mobile-payment system The second transfer request message is sent, the mark of the side of being transferred to is carried in the second transfer request message Knowledge information and transfer amounts data；
Receive the transfer result response message that second mobile-payment system is returned.
With reference to the 5th aspect, in the first possible implementation, in the route response message Also carry the payment interface information of second mobile-payment system；
The mobile payment server is according to the identification information of the second mobile-payment system to described Two mobile-payment systems send the second transfer request message to be included：
Identification information and payment interface information according to second mobile-payment system is to described Two mobile-payment systems send the second transfer request message.
With reference to the 5th aspect, the first possible implementation of the 5th aspect may at second Implementation in, the memory is also stored with executable code, when the computing device institute When stating the executable code stored in memory, the mobile payment server also performs following side Method：
Registration message is sent to the payment intercommunication server, described turning is carried in the registration message The mark of the identification information of the side of going out and first mobile-payment system.
6th aspect, the embodiment of the present invention provides a kind of payment intercommunication server, and it includes that input sets Standby, output equipment, memory and processor, the memory storage executable code, when described During the executable code stored in memory described in computing device, the payment intercommunication server is held The following method of row：
The route request information of the first mobile-payment system transmission is received, in the route request information Carry the identification information of the side of being transferred to；
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The mark of system；
Route response message is sent to first mobile-payment system, in the route response message Carry the identification information of corresponding second mobile-payment system in the side of being transferred to.
With reference to the 6th aspect, in the first possible implementation, the memory is also stored with Executable code, when the executable code stored in memory described in the computing device, institute State payment intercommunication server and also perform following method：
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The payment interface information of system；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message.
In the implementation that all of above aspect is provided, also taken in above-mentioned first transfer request message The identification information of the band side of producing, also carries the identification information of the side of producing in the second transfer request message. Optionally, the identification information of the above-mentioned side of being transferred to is the MSISDN or email address of the side of being transferred to.
The ta vservice process simplification that present invention is provided, single transfer transactions only need to two movements Checked account between payment system, improve the efficiency of mobile payment, reduced mobile-payment system Operation cost.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, will retouch to embodiment below The accompanying drawing to be used needed for stating is briefly described, it should be apparent that, drawings in the following description Only some embodiments of the present invention, for those of ordinary skill in the art, are not paying On the premise of creative work, other accompanying drawings can also be obtained according to these accompanying drawings.Wherein：
Fig. 1 is the flow chart of the method for mobile payment that prior art is provided；
Fig. 2 is the networking schematic diagram of mobile-payment system provided in an embodiment of the present invention；
Fig. 3 is mobile payment server provided in an embodiment of the present invention and pays the hard of intercommunication server Part structure chart；
Fig. 4 is the flow chart of the method for mobile payment that the embodiment of the present invention one is provided；
Fig. 5 is the flow chart of the method for mobile payment that the embodiment of the present invention two is provided；
Fig. 6 is the flow chart of the method for mobile payment that the embodiment of the present invention three is provided；
Fig. 7 is the functional block diagram of the mobile-payment system that the embodiment of the present invention four is provided；
Fig. 8 is the functional block diagram of the payment intercommunication server that the embodiment of the present invention five is provided.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, to the technical scheme in the embodiment of the present invention It is clearly and completely described, it is clear that described embodiment is only a real part of the invention Example is applied, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill people The every other embodiment that member is obtained under the premise of performing creative labour is not made, belongs to this Invent the scope of protection.
The present invention provides a kind of method of mobile payment, relevant apparatus and system, referring to Fig. 2, Fig. 2 It is the networking schematic diagram of mobile-payment system provided in an embodiment of the present invention.
As illustrated, mobile-payment system of the present invention mainly include mobile-payment system A, Mobile-payment system B and payment intercommunication server.Wherein, mobile-payment system A and mobile payment System B adheres to different mobile-payment systems separately, and such as mobile-payment system A is wechat payment system, Mobile-payment system B is Paypal payment systems.It should be noted that mobile-payment system A Can be deployed separately with intercommunication server is paid, it is also possible to merge deployment, i.e. each mobile payment system System includes paying intercommunication server, can be between the payment intercommunication server of each mobile-payment system Realize data sharing.
Mobile-payment system A includes that mobile payment server A1, mobile-payment system B include moving Dynamic paying server B1, mobile payment server A1 and mobile payment server B1 are by logical Communication interface is connected with intercommunication server is paid.Payment intercommunication server is mobile payment server A1 Carry out intercommunication there is provided a kind of bridge with mobile payment server B1, wherein save it is all therewith The identification information of the registered user in connected mobile-payment system and the registered user are corresponding The identification information of mobile-payment system.Paying intercommunication server can be provided by Virtual network operator, be moved Dynamic paying server A1 and mobile payment server B1 can be after user's registration, to payment intercommunication Server sends registration message, by the identification information of registered user and the corresponding movement of registered user The identification information of payment system notifies to intercommunication server is paid, pays intercommunication server and preserve registration The mark of the identification information of user and corresponding mobile-payment system.Additionally, paying interoperability services Device actively can also obtain respective system to mobile payment server A1 and mobile payment server B1 The identification information of the user of interior registration.Optionally, payment intercommunication server can be deployed in existing The attaching position register (Home Location Register, HLR) of mobile communications network is returned In category assigned user server (Home Subscriber Server, HSS), or pay intercommunication The repertoire of server is all realized by HLR or HSS.
Referring to Fig. 3, Fig. 3 is mobile payment server provided in an embodiment of the present invention and pays intercommunication The hardware structure diagram of server.
Wherein, mobile payment server and pay intercommunication server all to employ general computer hard Part, it includes that processor 201, memory 202, bus 203, input equipment 204, output set Standby 205 and network interface 206.
Specifically, input equipment 204 can be used for mobile payment server or pay interoperability services Device input order and information, input equipment 204 such as keyboard or sensing equipment, such as mouse, trace ball, Touch pad, microphone, control stick, game mat, circle benzvalene form satellite tv antenna, scanner or class Like equipment.These input equipments can be connected to processor 201 by bus 203.
Output equipment 205 can be used for mobile payment server or pay intercommunication server output letter Breath, in addition to the monitor, output equipment 205 can also set each for other periphery outputs, such as raise Sound device and/or printing device, these output equipments can also be connected to processor by bus 203 201。
Mobile payment server or payment intercommunication server can be connected to net by network interface 206 In network, for example, it is connected to LAN (Local Area Network, LAN).Under networked environment, The computer executed instructions stored in mobile payment server or payment intercommunication server can be stored In remote storage device, and it is not limited to be locally stored.
Memory 202 can include with the computer of volatibility and/or nonvolatile memory form Storage media, such as read-only storage and/or random access memory.Memory 202 can also be wrapped Include operating system, application program, other program modules, executable code and routine data.
What is stored in the processor 201 in mobile payment server performs memory 202 is executable When code or application program, mobile-payment system A can perform mobile-payment system one in Fig. 4-6 The method and step of side.Deposited in the processor 201 in paying intercommunication server performs memory 202 When the executable code or application program of storage, pay during intercommunication server can perform Fig. 4-6 and pay The method and step of intercommunication server side.
For example, user 1 (side of producing) is the registered user in mobile-payment system A, user 2 (side of being transferred to) is the registered user in mobile-payment system B, the identification information of user 1 and shifting Corresponding relation between the identification information of dynamic payment system A is stored on payment intercommunication server, is used Corresponding relation between the identification information at family 2 and the identification information of mobile-payment system B is stored in Pay on intercommunication server.The identification information of user can be email address, the MSISDN of user Can be with the information of unique mark user Deng other, the identification information of mobile-payment system can be artificial IP address of the code of distribution, the reference address of mobile-payment system or mobile payment server etc..
In embodiments of the present invention, the various friendships that user 1 is provided by mobile payment service system A Mutual mode, such as webpage, smart mobile phone application program (Application, APP), non-structural Change supplementary service data (Unstructured Supplementary Service Data, USSD) dish List, subscriber identification module (Subscriber Identifier Module, SIM) card menu, phone etc. The first transfer request message is initiated, is transferred accounts to user 2.
With reference to Fig. 4, Fig. 4 is the flow chart of the method for mobile payment that the embodiment of the present invention one is provided, It mainly comprises the following steps：
Step 301, mobile-payment system A obtain the first transfer request message, and described first transfers accounts The identification information and transfer amounts data of the side of being transferred to are carried in request message.
In the present embodiment, the mark of the side of producing user 1 can also be carried in the first transfer request message Knowledge information or the accounts information of the side of producing user 1, accounts information such as account etc..The mark of the side of producing Knowledge information is specifically as follows the MSISDN or email address of user 1, the identification information tool of the side of being transferred to Body can be the MSISDN or email address of user 2.
Step 302, mobile-payment system A send route request information to intercommunication server is paid, The identification information of the side of being transferred to is carried in the route request information.
Wherein, mobile-payment system can extract the mark letter of the side of the being transferred to user 2 in transfer request Breath, and route request information, the route are sent to intercommunication server is paid by above-mentioned communication interface Request message is used to ask the routing iinformation of the side of being transferred to.
The identification information-enquiry side of the being transferred to correspondence of step 303, payment intercommunication server according to the side of being transferred to Mobile-payment system mark, and to mobile-payment system A return route response message.
Wherein, pay intercommunication server and receive the route request information that mobile-payment system A sends, Identification information-enquiry according to the side of the being transferred to user 2 carried in route request information is to the correspondence of user 2 Mobile-payment system B, then then to mobile payment server A1 return route response message, Wherein carry the identification information of mobile-payment system B.The identification information of mobile-payment system B can be with It is the reference address of mobile-payment system B, or the title or code of mobile-payment system B.
Additionally, pay intercommunication server can also be right according to the identification information-enquiry side of being transferred to of the side of being transferred to The payment interface information of the mobile-payment system answered, and the payment interface information that will be inquired passes through road Mobile-payment system A is returned to by response message.Payment interface information can include interface name, The parameters such as interface version, interface IP address, the interface term of validity.
Specifically, software code of the step 303 when implementing can be stored in payment platform clothes On memory 202 in business device, these codes can be by the processor 201 in payment intercommunication server To perform.
Step 304, mobile-payment system A are according to the identification information of mobile-payment system B to movement Payment system B sends the second transfer request message, carries described in the second transfer request message The identification information and transfer amounts data of the side of being transferred to.
In embodiments of the present invention, if being taken in the route response message that receives of mobile-payment system A The identification information of Tape movement payment system B and the payment interface information of mobile-payment system B, then move Payment system A is moved according to the identification information and payment interface information of mobile-payment system B to mobile branch Pay system B and send the second transfer request message.If without carrying mobile payment in route response message The payment interface information of system B, then marks of the mobile-payment system A according to mobile-payment system B Knowledge information obtains the payment interface information of mobile-payment system B in local search, then according to inquiry The payment interface information for arriving sends the second transfer request message to mobile-payment system B.
Wherein, mobile-payment system A can also be carried in the second transfer request message for sending and turned The identification information of the side of going out user 1 or the accounts information of the side of producing user 1, such as account etc..It is optional , the side of being transferred to is user 2, and the identification information of the side of being transferred to can be MSISDN or the postal of user 2 Case address.
It should be noted that the executive agent of above-mentioned steps 301,302 and 304 can be specifically Mobile payment server A1 in mobile-payment system A, above-mentioned steps are soft when implementing Part code can be stored in memory 202, and these codes can be by mobile payment server A1 In processor 201 call and perform.
Step 305, mobile-payment system B process the second transfer request message, preserve transfer data.
Wherein, the mobile payment server B1 in mobile-payment system B receives mobile-payment system The second transfer request message that A sends, the identification information according to user 2 obtains corresponding account, Then the transfer amounts data in the second transfer request message update the account balance of user 2.
Step 306, mobile-payment system B send to mobile-payment system A according to result and turn Account result response message.
Wherein, transfer result is carried in transfer result response message, mistake of for example transferring accounts successfully or transfer accounts Lose.Mobile-payment system A parsings receive transfer result response message, if wherein carry transferring accounts into The notification message of work(, then carry out value data deduction, and notify that user 1 transfers accounts successfully to user 1. If wherein carrying the notification message of failure of transferring accounts, notify that user 1 transfers accounts unsuccessfully.
It should be noted that mobile-payment system A can also pay intercommunication server hair receiving After the route response message sent, account, transfer amounts data in the first transfer request message Value data is carried out to user 1 to reserve, i.e., deduct transfer amounts in advance from the account of user 1. And then mobile-payment system A is in subsequently received transfer result response message, if the response message It is middle to carry successful notification message of transferring accounts, then directly notify that user transfers accounts successfully, it is not necessary to right User 1 carries out value data deduction.If wherein carrying the notification message of failure of transferring accounts, notify to use Family 1 is transferred accounts unsuccessfully, while cancelling being reserved to the value data of user 1.
In method of mobile payment provided in an embodiment of the present invention, mobile-payment system A is being received After the transfer request of user 1, the identification information according to the side of being transferred to user 2 is to payment intercommunication server Route request information is sent to obtain the mark of the mobile-payment system B where the side of being transferred to user 2, Then transfer request directly is initiated to mobile-payment system B, so as to realize to 2 turns of the side of being transferred to user Account.Compared with prior art, method of mobile payment provided in an embodiment of the present invention is when being transferred accounts Transfer request need not be processed by payment intercommunication server, processing procedure is simple, improve mobile branch Pay efficiency.
In embodiments of the present invention, mobile-payment system A or mobile-payment system B except active to After paying the log-on message of intercommunication server report of user, can also in mobile-payment system A or After the payment interface information of mobile-payment system B changes, actively to payment intercommunication server New payment interface information is reported, be stored with intercommunication server each mobile payment system in order to pay The newest payment interface information of system.
Referring to Fig. 5, Fig. 5 is the flow chart of the method for mobile payment that the embodiment of the present invention two is provided.
Compared with the embodiment shown in Fig. 4, in the implementation procedure and above-described embodiment one of step 301 Corresponding step implementation procedure it is identical, details are referring to above-described embodiment one.The embodiment of the present invention two Also include between step 301 and step 302：
Step 3011, mobile payment service system A identification informations of the side of being transferred to according to determine institute State whether the side of being transferred to belongs to mobile-payment system A.
Wherein, the purpose of step 3011 be judge user input the side of being transferred to whether and the side of producing In identical mobile-payment system, that is, whether the side of being transferred to also is the use of mobile-payment system A Family.If so, then performing step 3012, otherwise, step 302 is performed, that is, performed to payment intercommunication The step of server sends route request information.
Step 3012, when the side of being transferred to belongs to mobile-payment system A, according to described first Transfer request message carries out treatment of transferring accounts, and preserves transfer result.
If the side of being transferred to user 2 and the side of producing user 1 belong to mobile-payment system A, mobile branch Treatment of being transferred accounts in system execution system is paid, such as according to the use of the side of being transferred in the first transfer request message Family mark inquires the account of the side of being transferred to, and accounting processing is carried out according to transfer amounts, and preservation is transferred accounts As a result.User 1 and user 2 are notified after transferring accounts successfully.
Wherein, step 3011,3012 executive agent can be mobile payment server A1, on Stating software code of the step when implementing can store in memory 202, and these codes can To be performed by the processor 201 in mobile payment server A1.
In the present embodiment, the correspondence in the implementation procedure of step 302-306 and above-described embodiment one The implementation procedure of step is identical, and details are referring to above-described embodiment one.
In embodiments of the present invention, paying intercommunication server can also count mobile-payment system A hairs The quantity of route request information, or statistics is sent to pay intercommunication server and believed according to the mark of the side of being transferred to The inquiry quantity of the mark of the corresponding mobile-payment system in the breath inquiry side of being transferred to, is easy to follow-up and mobile Settled accounts between payment system A.
Optionally, mobile-payment system A to pay intercommunication server send route request information it Before, secure connection can be set up in mobile-payment system A and between paying intercommunication server, for example Paying intercommunication server carries out certificate verification to mobile-payment system A, and mobile-payment system A is to branch Pay intercommunication server and be also carried out certificate verification, certificate verification sets up secure connection after passing through, using building Vertical secure connection sends and receives route request information and route response message.Accordingly, move It is dynamic between payment system A and mobile-payment system B before transfer request message is sent, it is also possible to Secure connection is set up, transfer request is sent and received using the secure connection set up.
Referring to Fig. 6, Fig. 6 is the flow chart of the method for mobile payment that the embodiment of the present invention three is provided.
In embodiments of the present invention, the mobile-payment system where the side of producing user 1 is wechat payment System, the side of being transferred to user 2 have registered Paypal payment systems, Unionpay's Unionpay payment systems. Wechat payment system, Paypal payment systems, Unionpay Unionpay payment systems are by user's Log-on message, including the phone number of user, the mark of payment system and each payment system branch Pay interface message and report payment intercommunication server.Wherein, wechat payment system pays including wechat Server, wechat application program and access gateway (Access Gateway), user 1 uses micro- Letter application program.Access gateway be used for and system outside device intercommunicating, for example with pay interoperability services Device etc. carries out mutual communication and access.
As illustrated, method of mobile payment provided in an embodiment of the present invention comprises the following steps：
401st, wechat paying server obtain user 1 by wechat application program send transfer accounts ask Ask.
Wherein, user 1 includes the side of being transferred to user 2 by the transfer request that wechat application program sends Phone number 17712345678, the account 17612345678 of the wechat payment system of user 1 And 100 yuan of transfer amounts.The mark of the side of being transferred to and the mark of the side of producing are hand in the present embodiment Machine number.
Additionally, can be with safe to carry in the transfer request that is sent by wechat application program of user 1 Authority, such as payment cipher, finger print data, safety certificate etc., wechat paying server are being obtained After the transfer request that user 1 sends, user 1 can be authenticated, authentication process includes checking Whether the security documents in transfer request are consistent with the local security documents for preserving, if being verified, Then perform following step 402.If checking does not pass through, this transfer request processing failure, to User 1 returns to failure notification.
402nd, wechat paying server sends route request information to intercommunication server is paid.
Wherein, the phone number 17712345678 comprising user 2 in route request information, may be used also With the account 17612345678 and/or transfer amounts 100 of the wechat payment system including user 1 Unit.Route request information can be by transmission control protocol/Internet Protocol (Transmission Control Protocol/Internet Protocol, TCP/IP) mode sends.
403rd, pay intercommunication server and receive route request information, the corresponding movement in the inquiry side of being transferred to The mark and payment interface information of payment system.
404th, pay intercommunication server and return to route response message to wechat paying server.
In the present embodiment, user 2 have registered multiple mobile-payment systems, if user 2 is advance Set preferred payment system (Paypal payment systems) and notify to payment intercommunication server, Then pay intercommunication server side of being transferred to according to the identification information 17712345678 of the side of being transferred to is inquired about Corresponding multiple mobile-payment systems, obtain the preferred Paypal of the side of being transferred to user 2 in Query Result The mark and payment interface information of payment system, and Paypal is paid by system by route response message The mark and payment interface information of system return to wechat paying server.The mark of Paypal payment systems It can be code P to know, and payment interface information can be that the IP address of Paypal paying servers adds end Slogan, such as 10.61.70.255:95.
If user 2 does not preset preferred payment system, pay intercommunication server according to The identification information 17712345678 of the side of being transferred to inquires about corresponding multiple mobile payment systems of the side of being transferred to System, obtains each payment system mark, payment interface information in Query Result, and ring by routeing Message is answered to return to the mark and payment interface information of all mobile-payment systems for inquiring micro- Letter paying server.Optionally, paying intercommunication server can also obtain each branch in Query Result Pay system to account time and/or rate of transferring accounts, and by these information together with payment system mark and Payment interface information returns to wechat paying server.Wherein, each mobile-payment system to account Time and rate of transferring accounts can in advance be uploaded to and preserved on payment intercommunication server.
405th, wechat paying server receives route response message, is generated according to route response message Transfer request.
Specifically, carrying the phone number of user 2 in the transfer request of wechat paying server generation 17712345678th, 100 yuan of transfer amounts, can also carry the wechat payment system of user 1 Account 17612345678.Additionally, the remark information of user 1 can also be carried in transfer request, The information for example paid off a loan.Additionally, also carrying the mobile payment of the side of being transferred in route response message The message format of the transfer request that system can be recognized, wechat paying server is needed according to the message lattice Formula generation meets desired transfer request, is easy to the mobile-payment system of the subsequently side of being transferred to be capable of identify that The transfer request for receiving.
If additionally, carrying multiple mobile branch in the route response message that receives of wechat paying server The mark of the system of paying, to account time and/or rate of transferring accounts, then wechat paying server can be to producing Square user 1 send or show these mobile-payment systems mark, it is respective to the account time, transfer accounts Rate etc., and user is received according to the mobile branch for needing to be transferred to selections such as account time, rates of transferring accounts The system of paying.Wechat paying server carries out generating transfer request according to the selection of user.Additionally, micro- Letter paying server can also carry the mark of multiple mobile-payment systems in route response message When, automatic (for example randomly choosing) one mobile-payment system of selection, and generate the shifting with selection The corresponding transfer request of dynamic payment system.
406th, payment interface information of the wechat paying server in route response message to Paypal paying servers send the transfer request of generation.
If specifically, only carrying the corresponding mobile payment of the side of being transferred to user in route response message System, then wechat paying server is direct sends transfer request to unique mobile-payment system, The transfer request of generation is for example sent to Paypal payment systems.In the present embodiment, wechat is received The transfer request that paying server sends is Paypal paying servers.
If carrying the mark of multiple mobile-payment systems, wechat payment services in route response message The mobile-payment system that device can be selected to user sends the transfer request of generation.
407th, Paypal paying servers receive the transfer request of wechat paying server transmission and locate Reason, preserves transfer data.
Wherein, Paypal paying servers can carry out school to the mark 17712345678 of the side of being transferred to Test, that is, check the corresponding user of the mark whether be registration in the system user, or user Whether data meets this business rule transferred accounts, and (such as user account has been reported the loss, has been transferred to the amount of money More than upper limit etc.), if verified successfully, according to 100 yuan of accounts of renewal user 2 of transfer amounts User data, this transfer request is processed successfully, notifies that user 2 has fund to keep accounts.If verification is lost Lose, then this transfer request processing failure.
408th, Paypal paying servers send to wechat paying server according to result and transfer accounts As a result response message.
If the transfer request in step 407 is processed in the transfer result response message for successfully, sending Carrying is transferred accounts successful notification message.If transfer request processing failure, transfer result response disappears The notification message of failure of transferring accounts is carried in breath.
409th, wechat paying server receives transfer result response message and notifies user 1.
Transfer accounts result of the wechat paying server in transfer result response message notifies to use Family is transferred accounts success or failure.If result of transferring accounts is deducted in the account of user 1 to transfer accounts successfully The amount of money, that is, deduct 100 yuan, while being transferred accounts successfully by wechat application notification user 1. If result of transferring accounts does not deduct the amount of money in the account of user 1, while passing through to transfer accounts unsuccessfully Wechat application notification user 1 transfers accounts unsuccessfully.
Method of mobile payment provided in an embodiment of the present invention is when being transferred accounts, and user is mobile in multiple In payment system in the case of registration, certain mobile-payment system can be selected to be received as oneself and to be turned The preferred of account is transferred to account, and the cell-phone number for externally only needing to stick one's chin out can just receive account transfer.And For producing user, also only need to know the cell-phone number for being transferred to user, without being concerned about the hand Machine number is in which mobile-payment system.
Additionally, paying intercommunication server as the route that intercommunication is carried out between multiple mobile-payment systems Dot data memory, the treatment of transfer transactions is not provided, real for mobile-payment system interoperation A platform It is now simple.The ta vservice process simplification that the present embodiment is provided, single transfer transactions only need to two Checked account between mobile-payment system, reduced the operation cost of mobile-payment system.
Referring to Fig. 7, Fig. 7 is the function mould of the mobile payment server that the embodiment of the present invention five is provided Block figure.
As illustrated, mobile payment server provided in an embodiment of the present invention is applied to the first movement branch The system of paying, it mainly includes：
Transfer request acquiring unit 710, for obtaining the first transfer request message, described first turn The identification information and transfer amounts data of the side of being transferred to are carried in account request message；Transfer request is obtained The step of unit 710 specifically obtains the first transfer request message details are referring to step in above-described embodiment 301 description.Wherein, the first mobile-payment system is mobile-payment system A, the second movement branch The system of paying is mobile-payment system B.
Route requests unit 720, for sending route request information, institute to payment intercommunication server State the identification information of the carrying side of being transferred in route request information；Wherein, route requests unit 720 Send route request information the step of details referring to step 302 in above-described embodiment description.
Response receiving unit 730, for receiving the route response that the payment intercommunication server is returned Message, carries corresponding second mobile-payment system in the side of being transferred in the route response message Identification information；
Request transmitting unit 740, for the identification information according to second mobile-payment system to Second mobile-payment system sends the second transfer request message, the second transfer request message The identification information of the side of being transferred to described in middle carrying and transfer amounts data；Wherein, request transmitting unit 740 to the second mobile-payment system send the second transfer request message the step of details referring to above-mentioned reality Apply the description of step 304 in example.
The response receiving unit 730 is additionally operable to receive turning for the second mobile-payment system return Account result response message.
It should be noted that above-mentioned transfer request acquiring unit 710, route requests unit 720, Response receiving unit 730 and request transmitting unit 740 perform each self-corresponding action and can pass through Processor 201 in the mobile payment server that embodiment three is provided is stored in performing memory 202 Dun executable codes realize, specific implementation procedure referring to above-described embodiment three description.
Further, the route response that mobile payment server provided in an embodiment of the present invention is received The payment interface information of the second mobile-payment system is also carried in message；
The request transmitting unit 740 is according to the identification information of the second mobile-payment system to described Two mobile-payment systems send the second transfer request message to be included：
Identification information and branch of the request transmitting unit 740 according to second mobile-payment system Pay interface message and send the second transfer request message to second mobile-payment system.
Further, request transmitting unit in mobile payment server provided in an embodiment of the present invention 740 are additionally operable to send registration message to the payment intercommunication server, are carried in the registration message The identification information of the side of producing in first mobile-payment system and first mobile payment The mark of system.
Further, the identification information of the side of producing also is carried in above-mentioned first transfer request message, the The identification information of the side of producing also is carried in two transfer request message.The identification information of the above-mentioned side of being transferred to is The MSISDN or email address of the side of being transferred to, or other can identify the information of the side of being transferred to.
Mobile payment server provided in an embodiment of the present invention can use corresponding in earlier figures 4-6 In method in the execution step of mobile-payment system side.It should be noted that mobile payment server In each unit can be by software code realization, it is also possible to by hardware such as application specific integrated circuits or The mode that hardware and software code is combined is realized.
Compared with prior art, mobile payment server provided in an embodiment of the present invention is being transferred accounts When transfer request need not be processed by payment intercommunication server, processing procedure is simple, improve movement Payment efficiency.
Referring to Fig. 8, Fig. 8 is the functional module of payment intercommunication server provided in an embodiment of the present invention Figure.
As illustrated, payment intercommunication server provided in an embodiment of the present invention includes：
Request reception unit 810, disappears for receiving the route requests that the first mobile-payment system sends Breath, carries the identification information of the side of being transferred in the route request information；
Routing inquiry unit 820, for being transferred to described in the identification information-enquiry according to the side of being transferred to The mark of corresponding second mobile-payment system in side；Wherein, the inquiry of routing inquiry unit 820 second The mark and response transmitting element 830 of mobile-payment system send road to the first mobile-payment system By the details of response message referring to the step 303 in above-described embodiment.
Response transmitting element 830, disappears for sending route response to first mobile-payment system Breath, carries the mark of corresponding second mobile-payment system in the side of being transferred in the route response message Knowledge information.
Further, the routing inquiry unit paid in intercommunication server in the embodiment of the present invention Corresponding second mobile-payment system in the side of being transferred to described in the identification information-enquiry of the 820 basis sides of being transferred to Mark includes：
The side of being transferred to according to the identification information-enquiry of the side of being transferred to of routing inquiry unit 820 is corresponding more Individual mobile-payment system, obtains preferred second mobile-payment system in the side of being transferred to described in Query Result Mark.
It should be noted that above-mentioned request reception unit 810, routing inquiry unit 820, response Transmitting element 830 performs the payment intercommunication clothes that each self-corresponding action can be provided by embodiment three Processor 201 in business device performs the executable code stored in memory 202 and realizes, specifically Implementation procedure referring to above-described embodiment three description.
Further, the routing inquiry unit paid in intercommunication server provided in an embodiment of the present invention 820 are additionally operable to corresponding second movement in the side of being transferred to according to the identification information-enquiry of the side of being transferred to The payment interface information of payment system, now pays intercommunication server and is sent out to the first mobile-payment system The payment interface information is also carried in the route response message sent, so that the first mobile payment System payment interface information directly according to the second mobile-payment system is to the second mobile-payment system Transfer request is sent to be transferred accounts.Further, the identification information of the above-mentioned side of being transferred to is the side of being transferred to MSISDN or email address, or other can identify the information of the side of being transferred to.
Mobile payment server provided in an embodiment of the present invention can use corresponding in earlier figures 4-6 In method in the execution step of payment intercommunication server side.It should be noted that paying intercommunication clothes Each unit in business device can be by software code realization, it is also possible to hard by application specific integrated circuit etc. Mode that part or hardware and software code are combined is realized.
Compared with prior art, payment intercommunication server provided in an embodiment of the present invention is being transferred accounts The second mobile-payment system according to where route request information inquires about the side of being transferred to is only needed to during account, and The information that will be inquired returns to the first mobile-payment system, is directly turned by the first mobile-payment system Account gives the second mobile-payment system, and transfer procedure need not be transferred accounts by the treatment of payment intercommunication server please Ask, processing procedure is simple, improves mobile payment efficiency.
It will be recognized by those of ordinary skill in the art that various aspects of the invention or various aspects Possible implementation can be embodied as system, method or computer program product.Therefore, The possibility implementation of each aspect of the present invention or various aspects can be implemented using complete hardware Example, complete software embodiment (including firmware, resident software etc.), or integration software and hardware The form of the embodiment of aspect, collectively referred to herein as " circuit ", " module " or " system ". Additionally, the possibility implementation of each aspect of the present invention or various aspects can use computer journey The form of sequence product, computer program product refers to computer of the storage in computer-readable medium Readable program code.
Computer-readable medium can be computer-readable signal media or computer-readable storage Medium.Computer-readable recording medium is including but not limited to electronics, magnetic, optics, electromagnetism, red Outer or semiconductor system, equipment or device, or it is foregoing any appropriately combined, such as deposit at random Access to memory (RAM), read-only storage (ROM), Erasable Programmable Read Only Memory EPROM (EPROM or flash memory), optical fiber, portable read-only storage (CD-ROM).
Processor in computer reads computer-readable journey of the storage in computer-readable medium Sequence code so that processor is able to carry out in the combination of each step or each step in flow charts The function action of regulation；Generation is implemented in each piece of block diagram or work(specified in each piece of combination The device that can be acted.
Computer readable program code can perform completely on the computer of user, partly in user Computer on perform, as single software kit, partly on the computer of user and part On the remote computer, or completely performed on remote computer or server.Also should note Meaning, in some alternate embodiments, in flow charts in each step or block diagram each piece indicate Function may not press the order indicated in figure and occur.For example, depending on involved function, connect Two steps or two blocks shown in even may actually be executed substantially concurrently, or these blocks May sometimes be performed with reverse order.
The above, specific embodiment only of the invention, but protection scope of the present invention is not Be confined to this, any one skilled in the art the invention discloses technical scope It is interior, change or replacement can be readily occurred in, should all be included within the scope of the present invention.Therefore, Protection scope of the present invention described should be defined by scope of the claims.

Claims (21)

1. a kind of method of mobile payment, is applied to the first mobile-payment system, it is characterised in that Including：
The first transfer request message is obtained, the mark of the side of being transferred to is carried in the first transfer request message Knowledge information and transfer amounts data；
Route request information is sent to intercommunication server is paid, institute is carried in the route request information State the identification information of the side of being transferred to；
Receive the route response message for paying intercommunication server return, the route response message The identification information of corresponding second mobile-payment system in the side of being transferred to described in middle carrying；
Identification information according to second mobile-payment system is to second mobile-payment system The second transfer request message is sent, the mark of the side of being transferred to is carried in the second transfer request message Knowledge information and transfer amounts data；
Receive the transfer result response message that second mobile-payment system is returned.
2. the method for claim 1, it is characterised in that in the route response message Also carry the payment interface information of second mobile-payment system；
The identification information according to the second mobile-payment system is to second mobile-payment system Sending the second transfer request message includes：
Identification information and payment interface information according to second mobile-payment system is to described Two mobile-payment systems send the second transfer request message.
3. method as claimed in claim 1 or 2, it is characterised in that obtain first described Also include between transfer request message and the intercommunication server transmission route request information to payment：
Whether the side of being transferred to described in the identification information determination according to the side of being transferred to belongs to the first movement branch The system of paying；
When the side of being transferred to is not belonging to the first mobile-payment system, perform described to payment intercommunication clothes The step of business device sends route request information.
4. the method as described in any one of Claim 1-3, it is characterised in that also include：
Registration message is sent to the payment intercommunication server, described the is carried in the registration message The identification information of the side of producing in one mobile-payment system and first mobile-payment system Identification information.
5. the method as described in any one of claim 1 to 4, it is characterised in that
The identification information of the side of producing, the second transfer request are also carried in the first transfer request message The identification information of the side of producing also is carried in message.
6. the method as described in any one of claim 1 to 4, it is characterised in that
The identification information of the side of being transferred to is the MSISDN or email address of the side of being transferred to.
7. a kind of method of mobile payment, is applied to pay intercommunication server, it is characterised in that bag Include：
The route request information of the first mobile-payment system transmission is received, in the route request information Carry the identification information of the side of being transferred to；
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The identification information of system；
Route response message is sent to first mobile-payment system, in the route response message Carry the identification information of corresponding second mobile-payment system in the side of being transferred to.
8. method as claimed in claim 7, it is characterised in that the mark of the basis side of being transferred to The identification information for knowing corresponding second mobile-payment system in the side of being transferred to described in information inquiry includes：
The corresponding multiple mobile-payment systems in the side of being transferred to according to the identification information-enquiry of the side of being transferred to；
Obtain the identification information of preferred second mobile-payment system in the side of being transferred to described in Query Result.
9. the method as described in claim any one of 7-8, it is characterised in that methods described is also wrapped Include：
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The payment interface information of system；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message.
10. the method as described in claim any one of 7-9, it is characterised in that methods described is also Including：
The registration message of the second mobile-payment system transmission is received, carries described in the registration message The identification information of the identification information of the side of being transferred to and second mobile-payment system.
A kind of 11. mobile payment servers, are applied to the first mobile-payment system, it is characterised in that Including：
Transfer request acquiring unit, for obtaining the first transfer request message, described first transfers accounts please Seek the identification information and transfer amounts data of the carrying side of being transferred in message；
Route requests unit, for sending route request information, the road to payment intercommunication server By the identification information that the side of being transferred to is carried in request message；
Response receiving unit, disappears for receiving the route response that the payment intercommunication server is returned Breath, carries the mark of corresponding second mobile-payment system in the side of being transferred in the route response message Knowledge information；
Request transmitting unit, for according to the identification information of second mobile-payment system to described Second mobile-payment system sends the second transfer request message, is taken in the second transfer request message The identification information and transfer amounts data of the band side of being transferred to；
The response receiving unit is additionally operable to receive transferring accounts for the second mobile-payment system return As a result response message.
12. mobile payment servers as claimed in claim 11, it is characterised in that the road By the payment interface information that second mobile-payment system is also carried in response message；
The request transmitting unit is according to the identification information of the second mobile-payment system to described second Mobile-payment system sends the second transfer request message to be included：
Identification information and payment of the request transmitting unit according to second mobile-payment system Interface message sends the second transfer request message to second mobile-payment system.
13. mobile payment server as described in claim 11 or 12, it is characterised in that institute Request transmitting unit is stated to be additionally operable to send registration message, the registration to the payment intercommunication server The identification information and described of the side of producing in first mobile-payment system is carried in message The identification information of one mobile-payment system.
A kind of 14. payment intercommunication servers, it is characterised in that including：
Request reception unit, for receiving the route request information that the first mobile-payment system sends, The identification information of the side of being transferred to is carried in the route request information；
Routing inquiry unit, it is right for the side of being transferred to described in the identification information-enquiry according to the side of being transferred to The identification information of the second mobile-payment system answered；
Response transmitting element, for sending route response message to first mobile-payment system, The mark of corresponding second mobile-payment system in the side of being transferred to is carried in the route response message Information.
15. servers as claimed in claim 14, it is characterised in that the routing inquiry list Unit's corresponding second mobile-payment system in the side of being transferred to according to the identification information-enquiry of the side of being transferred to Identification information includes：
The corresponding multiple in routing inquiry unit side of being transferred to according to the identification information-enquiry of the side of being transferred to Mobile-payment system, obtains preferred second mobile-payment system in the side of being transferred to described in Query Result Identification information.
16. server as described in claims 14 or 15, it is characterised in that the route is looked into Ask unit and be additionally operable to the side of being transferred to corresponding second according to the identification information-enquiry of the side of being transferred to The payment interface information of mobile-payment system；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message.
A kind of 17. mobile payment servers, are applied to the first mobile-payment system, it is characterised in that Including input equipment, output equipment, memory and processor, the memory storage can perform generation Code, when the executable code stored in memory described in the computing device, the mobile branch Pay server performs following method：
The first transfer request message is obtained, the mark of the side of being transferred to is carried in the first transfer request message Knowledge information and transfer amounts data；
Route request information is sent to intercommunication server is paid, institute is carried in the route request information State the identification information of the side of being transferred to；
Receive the route response message for paying intercommunication server return, the route response message The identification information of corresponding second mobile-payment system in the side of being transferred to described in middle carrying；
Identification information according to second mobile-payment system is to second mobile-payment system The second transfer request message is sent, the mark of the side of being transferred to is carried in the second transfer request message Knowledge information and transfer amounts data；
Receive the transfer result response message that second mobile-payment system is returned.
18. mobile payment servers according to claim 17, it is characterised in that described The payment interface information of second mobile-payment system is also carried in route response message；
The mobile payment server is according to the identification information of the second mobile-payment system to described Two mobile-payment systems send the second transfer request message to be included：
Identification information and payment interface information according to second mobile-payment system is to described Two mobile-payment systems send the second transfer request message.
19. mobile payment server as described in claim 17 or 18, it is characterised in that institute State memory to be also stored with executable code, when what is stored in memory described in the computing device During executable code, the mobile payment server also performs following method：
Registration message is sent to the payment intercommunication server, described the is carried in the registration message The identification information of the side of producing in one mobile-payment system and first mobile-payment system Identification information.
20. a kind of payment intercommunication servers, it is characterised in that including input equipment, output equipment, Memory and processor, the memory storage executable code, when described in the computing device During the executable code stored in memory, the payment intercommunication server performs following method：
The route request information of the first mobile-payment system transmission is received, in the route request information Carry the identification information of the side of being transferred to；
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The identification information of system；
Route response message is sent to first mobile-payment system, in the route response message Carry the identification information of corresponding second mobile-payment system in the side of being transferred to.
21. payment intercommunication servers as claimed in claim 20, it is characterised in that described to deposit Reservoir is also stored with executable code, when holding for being stored in memory described in the computing device During line code, the payment intercommunication server also performs following method：
Corresponding second mobile payment in the side of being transferred to described in identification information-enquiry according to the side of being transferred to The payment interface information of system；
The payment is also carried in the route response message to the transmission of the first mobile-payment system Interface message.
CN201510973593.4A 2015-12-22 2015-12-22 Method of mobile payment, relevant apparatus and system Pending CN106910053A (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CN201510973593.4A CN106910053A (en) 2015-12-22 2015-12-22 Method of mobile payment, relevant apparatus and system
PCT/CN2016/103421 WO2017107653A1 (en) 2015-12-22 2016-10-26 Mobile payment method, related device and system
BR112018012556A BR112018012556A2 (en) 2015-12-22 2016-10-26 mobile payment method, mobile payment server and payment interworking server

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201510973593.4A CN106910053A (en) 2015-12-22 2015-12-22 Method of mobile payment, relevant apparatus and system

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CN112561537A (en) * 2018-06-03 2021-03-26 苹果公司 User interface for transfer accounts
WO2020057230A1 (en) * 2018-09-21 2020-03-26 中国银联股份有限公司 Account transfer platform, transfer-out or transfer-in acceptance mechanism, computer storage medium, and execution method
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Application publication date: 20170630