CN1308454A - Hand set paying method - Google Patents
Hand set paying method Download PDFInfo
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- CN1308454A CN1308454A CN 01107514 CN01107514A CN1308454A CN 1308454 A CN1308454 A CN 1308454A CN 01107514 CN01107514 CN 01107514 CN 01107514 A CN01107514 A CN 01107514A CN 1308454 A CN1308454 A CN 1308454A
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Abstract
A mobile telephone payment method is to obtain the order information of the merchants through the automatic casher device and personal information of the customer through the mobile telephone, after receiving the application from both sides, to compare the ammount of money, if the inputted number of the amount of money is the same to issue a transaction instruction to the payment gate way, to receive the feed back transaction result from the payment gate way and to send the result to automatic casher device and mobile telephone. The payment is realized by mobile telephone with the movable bank.
Description
The present invention relates to a kind of method of paying, also can be described as method of mobile payment with mobile phone.
Existing mobile banking service, simple functions such as mostly only have inquiry, transfer accounts, pay the fees, and can not realize payment, when shopping, just seem inconvenient like this; And existing purchase card, bank deposit card, credit card etc. though the payment can realize doing shopping the time can not match with mobile phone after all, can't be given full play to the effect of mobile banking, and in some cases, the user leaves behind bank card and cash, just can't do shopping.
Purpose of the present invention is exactly in order to overcome the above problems, and a kind of hand set paying method is provided, and the payment when making the user can utilize mobile phone to do shopping makes the user can only be with a mobile phone just can do shopping.
For achieving the above object, the present invention proposes a kind of hand set paying method, it is characterized in that may further comprise the steps: A, by automatic cash register equipment from trade company's acquisition sequence information, comprises the amount of money and the order number of required payment; B, obtain consumer's personal information, comprise the password of bank's card number that the user selects, input and agree the amount of money of payment by mobile phone, and the order number of cash register automatically; C, receive automatic cash register equipment and mobile phone two sides' request after, the amount of money relatively is if the amount of money unanimity of both sides' input is then sent out transaction request to payment gateway; D, receive the transaction results that payment gateway returns, and the result is delivered to automatic cash register and mobile phone; More than each the step realize by the mobile payment server.
Owing to adopted above scheme, match with mobile phone by mobile payment server and automatic cash register etc., realized paying with mobile phone, made things convenient for shopping, make that mobile phone is not only the conversation instrument, and become the information terminal and the means of payment, and be not only simple functions such as be limited to account transfer, inquire about and pay the fees.
Fig. 1 is an embodiment of the invention schematic flow sheet.
Fig. 2 is an embodiment of the invention safe mode schematic diagram.
Also the present invention is described in further detail in conjunction with the accompanying drawings below by specific embodiment.
Before introducing, at first introduce domestic similar business.
China Merchants Bank takes the lead in having released domestic first " mobile banking " in Shenzhen on March 15th, 2000 and serves.Subsequently in Chongqing, 11 cities such as Beijing, Wuhan, Shanghai release." mobile banking " service of China Merchants Bank mainly comprises multinomial management of personal money functions such as account query, multi-functional account transfer, self-help charging and security service, the client can directly finish home currency and foreign currency remaining sum and the inquiry of Recent Activity in the accounts such as China Merchants Bank's all-purpose card and credit card and pass-book by the Global Link mobile phone interface, funds transfer, the current deposit between the multiple personal account changes into required fixed savings deposit, inquires about and pay multiple running costs such as mobile phone and beep-pager, can also inquire about the stock market in dark, two cities, Shanghai at any time and buys and sells.
Bank of China in Beijing, 26 areas such as Tianjin, Shanghai, Shenzhen open mobile banking's service in advance.Release mobile banking's service item, downpayment function mainly comprises account transfer between deposit account inquiry, deposit account, silver card account transfer, financial information inquiry, bill payment and reports the loss etc. temporarily by stages.
The Industrial and Commercial Bank of China at first in Beijing, 12 branches of provinces and cities such as Tianjin, Hebei, Shanghai, Jiangsu, Zhejiang, Fujian, Jiangxi, Shandong, Guangdong, Chongqing, Shenzhen are open-minded, other provinces and cities will be open-minded successively.Move silver.Services such as downpayment account query, account's account transfer, the payment of paying the fees, reporting the loss of accounts, application new business, the calling 95588 that peony-card is provided for the individual client of row.To release the inquiry of personal savings account, the payment of transferring accounts, pay the fees subsequently successively, the inquiry and the silver at public accounts family will be demonstrate,proved services such as account transfer, foreign exchange trading.
The Wan Lianka at dawn move the stock market and when winning logical mobile stock market in Shenzhen and other cities successful application has all been arranged, the service that they comprise also comprises as share price inquiry, consignment trade, price notice or the like.
Said system all can not realize mobile-phone payment.In addition, also have following shortcoming: application mobile banking and the service of mobile stock market, must use the mobile phone of supporting the STK card and use the STK card.Old mobile phone user needs former SIM card is replaced with mobile banking or mobile stock market STK card.New mobile phone user can directly buy the STK card.Separately the tame stock exchange transaction of certain tame bank or certain provider provides the service of mobile banking and mobile stock market, all can only be by the business of the corresponding family of a STK, use other bank or other service providers' mobile phone value-added service, just must repurchase card, change card, when having increased the weight of cellphone subscriber's financial burden, many troubles have also been brought.
The present invention combines closely E-Payment technology, data encryption technology and short message technology (SMS), comprises mobile financing, mobile payment for the cellphone subscriber provides all-around service anywhere or anytime, moves card volume and other mobile phone value-added service.If with Unionpay (as " the dark Unionpay " in area, Shenzhen) cooperation, the trade network of having set up by Unionpay and each business bank is the basis, in a STK card, realize to hold Mobile banking's service of all bank services, released logical mobile payment platform of many silver and business application system (hereinafter to be referred as the mobile payment server).
The main feature of mobile payment server is to make that mobile phone is not only the conversation instrument, and become the information terminal and the means of payment, the cellphone subscriber only needs a mobile phone STK card just can enjoy the financing service of how tame bank account, by mobile phone satisfy the user bank, security, pay the fees and multiple financing valued added applications such as payment and information inquiry demand, and provide mobile POS service for the trade company of flowability.This system will originally release in landline telephone simultaneously pays the fees and card is supplemented functions such as service with money, and together being integrated in the STK card provides.Mobile-phone payment then is an emphasis of the present invention.Be exactly the mobile-phone payment of introducing wherein below.
Mobile-phone payment is meant that the cellie passes through mobile phone, in conjunction with the payment function that consumption terminal-automatic cash register POS (mobile POS and common POS) finishes.Compare with traditional POS machine payment, the effect and the bank card of STK card mobile phone are similar, but in mobile payment, mobile phone makes that by the mode of news in brief communication the user can remote payment.Multirow mobile-phone payment function is one of main innovative characteristics of mobile payment server.The mobile payment server is supported the mobile-phone payment of four kinds of modes:
STK card mobile phone+mobile POS
STK card mobile phone+common POS
Common SIM card mobile phone+mobile POS
Common SIM card mobile phone+common POS
The characteristics of STK card mobile phone are to have encryption function, use account number and password to carry out identity and differentiate that fail safe is good.Be applicable to general payment application.The characteristics of common SIM card mobile phone are that no encryption function is used phone number to carry out identity and differentiated, is applicable to the small amount payment application.
Mobile POS carries out information exchange by radio communication and payment gateway, for example utilizes the news in brief center, is characterized in using independent order mode of doing business according to the mobile-phone payment characteristics, separates with general transaction.The characteristics of common POS are, need to use special magnetic card, and need carry out necessary transformation to the POS server software, mainly are the handling processes that has increased with mobile news in brief center exchange message.Fig. 3, Fig. 4 are respectively the information flow diagram that mobile POS, common POS carry out mobile payment.
Wherein the represented process description of Fig. 3 is as follows: 1) consumer consumes, and imports consumption information on mobile POS.Mobile POS sends to payment system with information such as trade company number, terminal number, order number, the amount of money by short message.Simultaneously, the consumer obtains mobile POS and goes up the order number that produces.2) consumer sends payment instruction by the STK mobile phone menu, comprises contents such as account number, password, order number, the amount of money.3) payment system will make up from the payment information of mobile POS and STK mobile phone, sends to Unionpay or bank and handles.And accept the processing result information of Unionpay or bank.4) payment system returns to mobile POS and STK mobile phone respectively with the payment instruction processing result information.
The represented process description of Fig. 4 is as follows: 1) consumer consumes, and the cashier utilizes special alternative magnetic card to swipe the card, the input consumption information.Common POS sends to payment system with information such as trade company number, terminal number, order number, the amount of money, magnetic stripes.Simultaneously, the consumer obtains mobile POS and goes up the order number that produces.2) consumer sends payment instruction by the SMS function, comprises common POS terminal number content.3) payment system is according to phone number, the account No. table of comparisons, obtain information such as account No., password, and send on the common POS, the mobile-phone payment solicited message that contains special magnetic strip information makes up, formation payment transaction bag sends to bank and Unionpay handles.4) payment system is accepted the processing result information of Unionpay or bank.5) payment system returns to common POS and mobile phone respectively with the payment instruction processing result information.
Fig. 1 is to be example with mobile POS, the process that further specifies mobile-phone payment following (sequencing of wherein 1. 2. 3. 4. representing return information): by POS equipment, obtain sequence information from trade company, comprise trade company number, POS terminal number, the amount of money, order number etc.; Obtain consumer's personal information by mobile phone; Sequence information with consumer's personal information and trade company place makes up then, and verifies accordingly, concludes the business by the conventional payment mode of doing business then.And transaction results returned to POS equipment and mobile phone respectively, the step during concrete operations is as follows:
A, cashier import the amount of money on mobile POS, produce and print order number by mobile POS;
B, mobile POS send merchant information and the amount of money, order number arrive the mobile payment server;
C, client select the payment menu on mobile phone, select bank's card number, and input password and agree the amount of money of payment, and the order number printed of mobile POS, and these information are sent to the mobile payment server;
D, mobile payment server compare the amount of money after the request of receiving mobile POS and mobile phone two sides, if the amount of money unanimity of both sides' input is then sent out transaction request to payment gateway
E, mobile payment server receive the transaction results that payment gateway returns, and the result delivered to mobile POS and mobile phone utilizes the mobile payment server that mobile-phone payment is provided, can be used as one of consumer field conventional payment means and replenish, as a pay in cash mode of instrument of replacement.
If payment gateway is made into Unionpay's payment gateway, just can realize multirow payment, promptly as long as the account that a STK (or SIM) card just can be chosen a bank wantonly as disbursement account, and needn't STK card of each bank's correspondence.
Mobile payment of the present invention can allow the selection of the many a kind of means of payment of cellphone subscriber, enters the mobile e-business epoch in advance.
The program that realizes above each step just constitutes a mobile payment server.
Security of system:
Financial services system is emphasized the fail safe of system very much, and the safety approach of mobile payment server adopts finance to use for many years, obtains the extensively safety approach of approval.Adopted cryptographic algorithm such as MAC, 3DES in the safety approach, and safety measure such as counter guarantees the fail safe of financial process of exchange.
The secured fashion of mobile payment server support has two kinds, and a kind of is the two-region safe mode, and another kind is a safe mode end to end.As shown in Figure 2: the mobile payment server is based on that Short Message Service realizes, the two-region safe mode is that the standard design according to the GSM suggestion realizes.Adopt the cryptographic algorithm of 3DES between mobile payment server and the mobile phone, this cryptographic algorithm is in the financial industry extensive use.Key management is responsible for by the mobile payment server operator.Because mobile phone has extraordinary personalized characteristic, has carried out authenticating user identification to a certain extent.Under the safe mode of two-region, in the place of safety 1, come identifying user identity by password between mobile phone and the mobile payment server; 2 adopt Mobile Directory Number and password together to verify client identity in the place of safety.Safe mode end to end, complete utilization SAT (SIM application toolkit) use, this SAT uses and can produce digital signature on mobile phone and send it to content supplier.The 3DES key is stored in the SAT application.Any SAT phone can be used for finishing the payment by another starting terminal.
In traditional payment was used, trade company can't verify all generally whether the client is the real owner of bank card or uses some methods commonly used (as signature) to come the identity of authenticated user.If the user disallows transaction, trade company need be faced with the risk of being swindled.Therefore, many trade companies more are ready to make and pay down (COD) or purchase order rather than onlinely finish whole transaction only, and this just greatly reduces the efficient of payment.End-to-end SAT safety approach has been arranged now; because the SAT application can be subjected to the protection of the individual PIN on the SIM card; therefore not only can ensure the non-repudiation of Transaction Information, and can prevent that the someone from using or steal the GSM phone that had authenticated and carry out illegal transaction.
Claims (5)
1, a kind of hand set paying method is characterized in that may further comprise the steps:
A, by automatic cash register equipment, from trade company's acquisition sequence information, comprise the amount of money and the order number of required payment;
B, obtain consumer's personal information, comprise the password of bank's card number that the user selects, input and agree the amount of money of payment by mobile phone, and the order number of cash register automatically;
C, receive automatic cash register equipment and mobile phone two sides' request after, the amount of money relatively is if the amount of money unanimity of both sides' input is then sent out transaction request to payment gateway;
D, receive the transaction results that payment gateway returns, and the result is delivered to automatic cash register and mobile phone;
More than each the step realize by the mobile payment server.
2, hand set paying method as claimed in claim 1 is characterized in that: described automatic cash register is mobile payment cash register or common cash register, and described mobile phone is SIM card mobile phone or STK card mobile phone, and the transmitting-receiving of described information is undertaken by mobile news in brief center.
3, hand set paying method as claimed in claim 1 or 2 is characterized in that: described payment gateway is Unionpay's payment gateway, can realize the multirow payment.
4, hand set paying method as claimed in claim 1 or 2 is characterized in that: information transmit-receive process safe pattern adopts two-region safe mode or End-to-End Security pattern;
Under the safe mode of two-region,, in place of safety 1, come identifying user identity by password between mobile phone and the mobile payment server with being defined as place of safety 1 between mobile phone and the mobile payment server; To be defined as place of safety 2 between mobile payment server and the cellular provider, 2 adopt Mobile Directory Number and password together to verify client identity in the place of safety;
Under safe mode end to end, utilize the SIM application toolkit, on mobile phone, produce digital signature and send it to the mobile payment server.
5, hand set paying method as claimed in claim 3 is characterized in that: information transmit-receive process safe pattern adopts two-region safe mode or End-to-End Security pattern;
Under the safe mode of two-region,, in place of safety 1, come identifying user identity by password between mobile phone and the mobile payment server with being defined as place of safety 1 between mobile phone and the mobile payment server; To be defined as place of safety 2 between mobile payment server and the cellular provider, 2 adopt Mobile Directory Number and password together to verify client identity in the place of safety;
Under safe mode end to end, utilize the SIM application toolkit, on mobile phone, produce digital signature and send it to the mobile payment server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01107514 CN1308454A (en) | 2001-02-12 | 2001-02-12 | Hand set paying method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01107514 CN1308454A (en) | 2001-02-12 | 2001-02-12 | Hand set paying method |
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| Publication Number | Publication Date |
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| CN1308454A true CN1308454A (en) | 2001-08-15 |
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| CN 01107514 Pending CN1308454A (en) | 2001-02-12 | 2001-02-12 | Hand set paying method |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1319025C (en) * | 2002-05-23 | 2007-05-30 | 行毅科技股份有限公司 | Moving value chain system and its method |
| CN100372409C (en) * | 2003-06-20 | 2008-02-27 | 黄金富 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
| CN100405406C (en) * | 2003-06-20 | 2008-07-23 | 黄金富 | POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously |
| CN101657984A (en) * | 2007-01-09 | 2010-02-24 | 维萨美国股份有限公司 | Contactless transaction |
| CN103186851A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
| CN103577979A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system applying two-dimensional bar code and corresponding method |
| CN103577981A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system and method using two-dimensional bar codes |
| CN106127466A (en) * | 2008-08-31 | 2016-11-16 | 马克西姆综合产品公司 | Mobile personal point-os-sale terminal |
| CN106682899A (en) * | 2015-11-10 | 2017-05-17 | 国民技术股份有限公司 | Method for confirming online transaction safety through mobile phone and system thereof |
-
2001
- 2001-02-12 CN CN 01107514 patent/CN1308454A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1319025C (en) * | 2002-05-23 | 2007-05-30 | 行毅科技股份有限公司 | Moving value chain system and its method |
| CN100372409C (en) * | 2003-06-20 | 2008-02-27 | 黄金富 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
| CN100405406C (en) * | 2003-06-20 | 2008-07-23 | 黄金富 | POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously |
| CN101657984A (en) * | 2007-01-09 | 2010-02-24 | 维萨美国股份有限公司 | Contactless transaction |
| CN106127466A (en) * | 2008-08-31 | 2016-11-16 | 马克西姆综合产品公司 | Mobile personal point-os-sale terminal |
| CN103186851A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
| CN103186851B (en) * | 2011-12-30 | 2018-05-25 | 上海博泰悦臻电子设备制造有限公司 | Electronic fare payment system based on cloud data processing technique |
| CN103577979A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system applying two-dimensional bar code and corresponding method |
| CN103577981A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system and method using two-dimensional bar codes |
| CN106682899A (en) * | 2015-11-10 | 2017-05-17 | 国民技术股份有限公司 | Method for confirming online transaction safety through mobile phone and system thereof |
| WO2017080355A1 (en) * | 2015-11-10 | 2017-05-18 | 国民技术股份有限公司 | Method for confirming on-line transaction security by means of mobile phone and system thereof |
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