CN1350393A - Mobile payment system - Google Patents
Mobile payment system Download PDFInfo
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- CN1350393A CN1350393A CN 00129878 CN00129878A CN1350393A CN 1350393 A CN1350393 A CN 1350393A CN 00129878 CN00129878 CN 00129878 CN 00129878 A CN00129878 A CN 00129878A CN 1350393 A CN1350393 A CN 1350393A
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- short message
- message service
- account
- mobile phone
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Abstract
A mobile payment system provide an electric communication method to fulfill the selling-buying settlement accounts by utilizing the mobilephone short message with the communication between the short message service function of mobile communication network and the interface server of bank transfer accounts system. It works as to send the transfer accounts short message by short message service system of the mobilephone, to send back the information of whether the tansfer accounts is fulfilled or not to the mobilephone after the transfer accounts being fulfilled with the interface server of the bank system, at the same time to trigger MPOS (mobile payment collecting printer) of transfering in part to print out settlement list or transaction fail list by sending short message with above said short message service system.
Description
The present invention relates to a kind of telecommunication method that realizes buying and selling clearing, particularly relate to a kind of telecommunication method of utilizing the SMS service system between bank and businessman, to realize the dealing clearing.
Dealing clearing must be through step as current consumption, the simplification of its formality and to make client conveniently be consumer and operator, even the thing all very paid close attention to of bank.At present many consumption places use the POS machine to can be the service that the consumer provides bank card to swipe the card to check out, and have made things convenient for the consumer to a certain extent.But, because the POS machine must be connected with bank by the DDN/PSTN special line, the operator must inject capital into and set up private line access with bank, purchase corresponding POS machine, thereby cause system cost and running cost very high, usually have only the megastore just to be provided with this service, consumer's daily dealing clearing are extremely inconvenient.
At present, in the operations such as account query, bank transfer that can realize on the mobile communications network between mobile phone and the bank, but the dealing clearing between cellphone subscriber and bank, the consumption businessman still can not realize.
The object of the present invention is to provide a kind of method of mobile payment, this method utilizes the Short Message Service of mobile communications network to be connected with the communications protocol of the transfer service device of bank, realize that the cellphone subscriber buys and sells settlement operations by mobile phone with the businessman that consumption or service are provided, need not carry cash or bank card, thereby realize the settlement process with the operator efficiently and easily, and the operator need not the investment construction fixed line.
The technical scheme of the inventive method is as follows:
A kind of method of mobile payment comprises
1) has the user terminal mobile phone of SMS, send the short message of transferring accounts;
2) mobile communication network base station carries out interactive communication with user terminal mobile phone;
3) Short Message Service system carries out interactive communication with described base station;
4) short message service center's interface server carries out interactive communication with described Short Message Service system; And
5) bank transfer system interface server carries out interactive communication with described sms center interface server; It is characterized in that,
6) at consumption terminal one output device is set, described output device and described Short Message Service system establish a communications link, and the operator of described consumption terminal is provided with corresponding number of the account in described bank transfer system.
Output device described in the inventive method is one to be provided with the MPOS of SM OEM program, promptly moves the gathering printer.
User terminal mobile phone described in the inventive method adopts menu mode to send SMS message.
User terminal mobile phone described in the inventive method adopts the instruction code mode to send SMS message.
The inventive method comprises the steps:
A) user terminal mobile phone sends the account transfer short message;
B) mobile communication network base station is transmitted described account transfer short message to the Short Message Service system;
C) short message service center's interface server sends to bank transfer system interface server to the short message that carries out should transferring accounts after encryption and decryption is handled of the account transfer short message from the Short Message Service system;
D) described bank transfer system interface server carries out the processing of transferring accounts after encryption and decryption is handled to the account transfer short message;
E) the account transfer information after the processing is returned user terminal mobile phone by former road;
F) the Short Message Service system sends to the information of transferring accounts on the MPOS of described consumption terminal.
In the inventive method, the SM OEM program executable operations on the described MPOS:
G) receive described account transfer information, make an explanation, trigger print routine simultaneously;
H) described MPOS prints the statement of account/unsuccessful trading card of concluding the business.
In the inventive method, described SM OEM program is executable operations also:
I) on screen, show this information according to the account transfer information format.
In the inventive method, the operating procedure that sends SMS message of described employing menu mode comprises:
A1) open STK menu " mobile phone shopping ";
A2) at STK menu " pay the fees sales counter number " input code number down;
A3) import the amount of money down at STK menu " the consumption amount of money ", by " affirmation " key;
A4) input account number and password send by " affirmation " key.
In the inventive method, the operating procedure that sends SMS message of described employing instruction code mode comprises:
A1) import the sales counter instruction code of paying the fees;
A2) amount of money is consumed in input again, by " affirmation " key;
A3) input account number and password send by " affirmation " key.
Owing to adopt the Short Message Service function of mobile communications network to be connected with the communications protocol of bank transfer server, method of mobile payment provided by the invention, concerning operator and bank, need not investment construction POS software and hardware system, system cost is extremely low, do not produce running cost, be applicable to large, medium and small various businessman; For the consumer, the consumer need not carry cash or card, and is simple and safe and convenient and swift.
Below in conjunction with accompanying drawing,, will make purpose of the present invention and other beneficial effects apparent by detailed description to preferred embodiment.
Fig. 1 is the system flow schematic diagram that the inventive method is carried out mobile payment;
Fig. 2 is the flow chart of SM OEM program among the MPOS of the inventive method.
Hereinafter will describe the present invention in detail.
Utilize existing GSM mobile communications network, cellphone subscriber's of the present invention dealing settlement method, as shown in Figure 1, the operator of consumption terminal offers an account in bank, its corresponding code is stored in the bank transfer system, this businessman also is provided with a MPOS (move gathering printer) 3 at its each consumption terminal, and described MPOS (moving the gathering printer) 3 establishes a communications link with Short Message Service system 22 in the gsm communication network.The user who offers account in bank is by its account transfer short message that has the mobile phone 1 of SMS to send, wherein comprise the merchant code that remains to be changed over to, sales counter number, pay the fees sales counter number, the consumption amount of money, information such as account number of oneself and password, this account transfer short message is forwarded to Short Message Service system 22 by the GSM mobile communication network base station 21 of this mobile phone 1 region, be transmitted to the funds transfer system interface server 4 of bank again by communication protocol through short message service center's interface server 23,4 pairs of this interface servers account transfer short message carries out encryption and decryption to be handled, and finishes the information that will transfer accounts again after the account transfer and returns to user mobile phone 1 along above-mentioned path according to the account number that changes over to that merchant code is pointed; When account transfer is unsuccessful, the funds transfer system interface server 4 of this bank will be transferred accounts and be returned to user mobile phone along above-mentioned path after failure information is encrypted.
Simultaneously described Short Message Service system 22 receive this when transferring accounts/transfer accounts failure information to the MPOS that is positioned at the consumption terminal man (moving the gathering printer) 3 these information of transmission, this MPOS (moving the gathering printer) is provided with SIM card, SM OEM program is installed, this program triggers print routine when receiving this information, and prints the statement of account or the unsuccessful trading card of concluding the business that indicates the consumption amount of money, pays the fees information such as time and transaction sales counter according to set form.
The process step of described SM OEM modular program, as shown in Figure 2, after beginning, receive the account transfer short message that transfers from described Short Message Service system at step p1, the message bag is read and is explained its content through step p2, trigger print routine at step p3 simultaneously, described information is printed on the statement of account according to predefined form; Meanwhile, SM (OEM) module is sent to display screen with content, shows according to predetermined format.
The employing dual mode that sends SMS message of described mobile phone:
1, STK menu mode
Mobile phone is opened menu and input step by step: mobile phone shopping/market Code Number/pay the fees sales counter number/the consume amount of money/affirmation/input account number and password/transmission
2, instruction code mode
The cellphone subscriber is the input instruction code step by step: market Code Number/sales counter number/the pay the fees sales counter number/input consumption amount of money/affirmation/input account number and password/transmission
Like this, the consumer who has mobile phone need not carry cash or bank card, and only need pass through simple mobile phone operation, sends a short message of handling through encryption and decryption, in seconds just can finish and check out, not only easy but also safety.And fixed line (DDN/PSTN) all need not be laid by businessman and bank, businessman must not buy POS system software and hardware equipment yet, and only need to offer an account number and purchase a small-sized easy MPOS (moving the gathering printer) in bank, not only reduced cost but also can provide the safe ready service of checking out efficiently to the consumer; What is more important, the inventive method can be suitable for the operator of random scale.
Be understandable that, for those of ordinary skills, can under technical conceive of the present invention, make various possible changes or/and replace, and all these changes be or/and replace the protection range that all should belong to appended claim book of the present invention.
Claims (9)
1, a kind of method of mobile payment comprises
1) has the user terminal mobile phone of SMS, send the short message of transferring accounts;
2) mobile communication network base station carries out interactive communication with user terminal mobile phone;
3) Short Message Service system carries out interactive communication with described base station;
4) short message service center's interface server carries out interactive communication with described Short Message Service system; And
5) bank transfer system interface server carries out interactive communication with described sms center interface server; It is characterized in that,
6) at consumption terminal one output device is set, described output device and described Short Message Service system establish a communications link, and described consumption terminal is provided with corresponding number of the account in described bank transfer system.
2, method according to claim 1 is characterized in that described output device is one to be provided with the mobile gathering printer of SM OEM program.
3, method according to claim 2 is characterized in that described user terminal mobile phone adopts menu mode to send SMS message.
4, method according to claim 2 is characterized in that described user terminal mobile phone adopts the instruction code mode to send SMS message.
5, method according to claim 1 is characterized in that, comprises the steps:
A) user terminal mobile phone sends the account transfer short message;
B) mobile communication network base station is transmitted described account transfer short message to the Short Message Service system;
C) short message service center's interface server sends to bank transfer system interface server to the short message that carries out should transferring accounts after encryption and decryption is handled of the account transfer short message from the Short Message Service system;
D) described bank transfer system interface server carries out the processing of transferring accounts after encryption and decryption is handled to the account transfer short message;
E) the account transfer information after the processing is returned user terminal mobile phone by former road;
F) the Short Message Service system sends to the information of transferring accounts on the mobile gathering printer of described consumption terminal.
6, according to claim 2 or 5 described methods, it is characterized in that the SM OEM program executable operations on the described mobile gathering printer:
G) receive described account transfer information, make an explanation, trigger print routine simultaneously;
H) described mobile gathering printer prints goes out the statement of account/unsuccessful trading card of concluding the business.
7, method according to claim 6 is characterized in that, described SM OEM program is executable operations also:
I) on screen, show this information according to the account transfer information format.
8, method according to claim 3 is characterized in that, the operating procedure that sends SMS message of described employing menu mode comprises:
A1) open STK menu " mobile phone shopping ";
A2) at STK menu " pay the fees sales counter number " input code number down;
A3) import the amount of money down at STK menu " the consumption amount of money ", by " affirmation " key;
A4) input account number and password send by " affirmation " key.
9, method according to claim 4 is characterized in that, the operating procedure that sends SMS message of described employing instruction code mode comprises:
A1) import the sales counter instruction code of paying the fees;
A2) amount of money is consumed in input again, by " affirmation " key;
A3) input account number and password send by " affirmation " key.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00129878 CN1350393A (en) | 2000-10-24 | 2000-10-24 | Mobile payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00129878 CN1350393A (en) | 2000-10-24 | 2000-10-24 | Mobile payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1350393A true CN1350393A (en) | 2002-05-22 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 00129878 Pending CN1350393A (en) | 2000-10-24 | 2000-10-24 | Mobile payment system |
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| CN (1) | CN1350393A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100382106C (en) * | 2003-11-21 | 2008-04-16 | 中国银联股份有限公司 | Information telephone financial POS system |
| WO2009065278A1 (en) * | 2007-11-19 | 2009-05-28 | Wanchun Hou | System and method for realizing personal electronic check card |
| CN1505290B (en) * | 2002-09-16 | 2010-05-26 | 三星电子株式会社 | Wireless communication device and a method for controlling the same |
| CN102222293A (en) * | 2011-06-01 | 2011-10-19 | 程永生 | Mobile payment method, mobile terminal and system |
-
2000
- 2000-10-24 CN CN 00129878 patent/CN1350393A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1505290B (en) * | 2002-09-16 | 2010-05-26 | 三星电子株式会社 | Wireless communication device and a method for controlling the same |
| CN100382106C (en) * | 2003-11-21 | 2008-04-16 | 中国银联股份有限公司 | Information telephone financial POS system |
| WO2009065278A1 (en) * | 2007-11-19 | 2009-05-28 | Wanchun Hou | System and method for realizing personal electronic check card |
| CN102222293A (en) * | 2011-06-01 | 2011-10-19 | 程永生 | Mobile payment method, mobile terminal and system |
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
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