CN1338693A

CN1338693A - Instantaneous network payment system

Info

Publication number: CN1338693A
Application number: CN 00113104
Authority: CN
Inventors: 扈传平
Original assignee: Individual
Current assignee: Individual
Priority date: 2000-08-16
Filing date: 2000-08-16
Publication date: 2002-03-06

Abstract

An instantaneous network payment system is disclosed, which is aimed at paying for shopping or booking tickets. It features that the encrypted e-mail can be used over wired or wireless network to pay cash between person, corperation, enterprise, and bank. Said network payment system can also be used in conjunction with credit cards or ATM cards.

Description

Instantaneous network payment system

In the middle of our daily life, individual and unit (company and enterprise) usually need payment or receive payment, particularly along with the appearance of network, Online Store occurs one after another, more need a kind of simple and safe payment system, make the shopper can pay the bill after shopping, payment can be received in online shop at once, thereby makes Online Store become real Online Store at once.In western countries, the credit card atm card is main online payment instrument.But credit card charge is very high, and expense has a side of gathering to bear usually.And be not that each common people has in China Credit Card, the use of credit card and even atm card also is not very general, so everybody payment system that can bear of one of domestic urgent need helps people and unit realizes payment and receives payment.

Along with the appearance of network, people do not suspect that the life style that it can change us to a great extent comprises Payment Methods.

This kind instantaneous network payment system (wired and wireless electron wallet) is exactly to utilize modern wireless Internet access technology and encryption technology and encrypted E-mail technology to realize.This kind technical security is reliable, fast reaches easy to operate.

This kind network pay down system utilizes the modern technologies time and money that particularly network technology saving people pay the bill and reception is paid the bill.The characteristics of this kind system maximum can allow people at any time exactly, and any place is by dedicated encrypted Email and wired and wireless electron wallet received payment and pay others' money.Most important place of this kind system and invention are that it can comprise that surfing Internet with cell phone realizes by wireless Internet access, and it is again (real time) timely.Its advantage is not only can be used for online shop and commercial activity in addition, also can be used for non-online shop, enterprise and commercial activity.

The employed modern technologies of this kind system comprise wireless Internet access WAP and WML technology.

This kind system is connected enterprise of unit and individual with e-mail server as platform with bridge, make them can solve the problem of gathering and payment.

Particularly importantly this kind payment system does not have geographic restriction in addition.

This kind system uses the relevant laws of China to use in the place that relates to law.

Below three examples be used for illustrating the application of this system:

Example one: one people do shopping in the shop on the net, finds that he wants the thing of buying, and decision is bought.This person can click this purchase system in the shopping cart of this website.This people of this kind system requirements inserts its account number, password and the amount of money, next clicks payment.This system is confirming that this user has enough remaining sums in this system or in the account No. that this system connected or in credit card that this system connected and the cash card, payment for goods in time can be sent to this website with Email, this website can check whether receive this amount of money at once, just can deliver after acknowledging receipt of at once.

Aforesaid way not only is applicable to the wiring logging-on function shopping, also is applicable to the shopping of getting online without being tethered to a cable, and not only can be used for group, also is applicable to the individual.

Example two: someone or many people go to a tame cinema to see a film, confirmed should cinema of family after the account number on the native system, pay the bill with mobile phone wireless net book system and to buy film ticket to this cinema of family.Whether received payment of this people can be checked at any time with mobile phone or computer by this cinema.As received payment, send out the Email of the film ticket of seat number, play for this people.

Three: one tame department stores of example pay the bill to its supplier with this system.This class behavior can be realized at the account number and the Email of this system by them.

Accompanying drawing is to above elaboration and three general description figure that give an example.

Claims

One: ingredient:

A: central control system

This kind control system can be the website of a common wiring logging-on function or wireless Internet access.

B a: e-mail server that is connected with central control system (E-mail server).This kind e-mail server is to be used for receiving the information of transmitting the cash account transfer.

C: one or more databases

This database is connected with central control system, also simultaneously and bank, online, non-online commercial undertaking, business unit connects.Each user has an independently account in database.
Two: individual and unit can login this system, check account balance, and other unit or individual are given in payment, receive other unit or individual's payment.All payments, the behavior that receives payment all are that the mode by Email realizes, and payment and receive payment and all in time come into force.If that is: people or unit give another one individual or unit one by one, the other side can receive this account money at once.

This function can realize by wiring logging-on function (as online computing) or get online without being tethered to a cable (as surfing Internet with cell phone).When a certain user utilized this system to pay the bill to the opposing party, system need check at first whether this user has enough cashes.If have, this payment just can successfully be carried out.

In most cases, the user at first will open an account at native system, just can use the service of native system.
Three: specify:

1. mention more than and check whether this user has abundant fund, its content comprises the instruction of submitting certain amount of money to this system's input to, after instruction is received by this system, check the remaining sum of system database and from this user's remaining sum, deduct the amount of money of paying, obtain receiving the new balance after the account transfer.

2. receive that by Email one of payment can be to change gathering among the account of oneself, also it can be deposited in ownly in the account of other banks, can also require said system with the fund remittance of receiving or post check and give own other client.

3. the user not only can handle receipts and payments by the cable network send Email, can also pass through wireless device, transfers accounts as the mode that mobile phone, beeper, palm PC etc. are sent and received e-mail.

4. eCheck is also included within the range of application of this system.The user logins account and cheque number and other relevant information of filling out actual check after this system, by realizing the account transfer function of eCheck with the cooperation of banking system.