CN1423472A - Mobile payment method and system thereof - Google Patents
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Abstract
A mobile payment method includes 1. customer transaction terminal sends payment request information to mobile finance service transaction center via wireless communication network 2. the center receives and processes payment request information sent by user transaction terminal, and verfies the payment validity 3. operating on transaction with terminal equipment and commercial bank. The invention utilizes the sole number of user transaction terminal to negotiate with bank account number via the mobile center, provides multiservice transaction ways to user terminal suiting all user transaction terminals, transaction can be carried out so long as a user inputs a related transaction informatics cipher to transaction information guarantees safety.
Description
Technical Field：
The invention relates to a mobile payment method and a system thereof, in particular to a method and a system which are applicable to all types of mobile communication terminals (such as mobile phones and the like) and provide mobile payment through a mobile financial service transaction center.
Background：
Mobile communication has entered the major development stage since the 90 s of the 20 th century, and the number of global users doubles every 20 months; the number of users around the world has currently exceeded 7 billion, with an estimated 10 billion breakthrough in the end of 2001. Mobile users in China are also growing at a high speed, and the time is 10 years from the beginning of development to 1000 thousands of users; the first quarter in 2001 has become a second country which breaks through 1 hundred million customs in the world, from 1000 ten thousand households to 1 second household, only takes less than 4 years, and creates the best world. Recent statistics show that at the end of 7 months in 2001, mobile communication users in China reach 1.206 hundred million households, which exceed 1.201 hundred million households in the United states, and jump the world first. With the development of mobile communication, wireless communication is increasingly emphasized, the status thereof becomes more important, and the application thereof is also more and more extensive.
While the mobile communication voice Service continues to keep developing, the General Packet Radio Service (GPRS) proposed by china mobile is a significant representative of the second generation mobile communication system for meeting the requirements of IP and high-speed data services, and will also become the main Service feature of the third generation mobile communication system. GPRS is a new bearer service developed on the existing Global System for Mobile Communications (GSM), and aims to provide packet-based data services for GSM users. GPRS uses the same radio modulation standard, the same frequency band, the same burst structure, the same frequency hopping rule, and the same Time Division Multiple Access (TDMA) frame structure as GSM. This new packet data channel is very similar to the current circuit switched voice traffic channel, so that the existing Base Station Subsystem (BSS) can provide full GPRS coverage from the beginning. GPRS allows users to send and receive data in end-to-end packet transfer mode without utilizing circuit-switched mode network resources. Thereby providing an efficient, low-cost wireless packet data service. The method is particularly suitable for intermittent, burst and frequent small-amount data transmission and is also suitable for occasional large-amount data transmission.
GPRS technology can be very well adapted to: information notification-E-mail and wireless E-mail, personal transactions, information services, banking, E-commerce, vending machine reporting, and prepaid data services.
The Chinese financial system in the 20 th century mainly provides simple deposit, credit and remittance services for industrial and commercial enterprises, continuously deduces new financial varieties and financial tools on the basis of the traditional business, breaks through the traditional manual operation and basically realizes the financial electronization.
The Chinese financial system in the 21 st century will further realize financial globalization along with the integration of the world economy. With the addition of WTO in China, the mixed financial management of China is promoted; financial innovation is related to the survival and development of the Chinese financial industry, so that the way of the mutual contact between a bank and a client is changed, and the service way, the product promotion way and the transaction processing way of the bank are also changed; electronic money will be developed rapidly and is well-behaved in network transactions and electronic transactions; informatization, modernization and internationalization of financial supervision become important means for central banks to maintain financial order, standardize financial markets and prevent financial risks; the operation idea of the bank is fundamentally changed, and the bank obtains income mainly by relying on credit and interest difference and turns to obtain benefit by providing high-quality financial service for customers; banks do not simply pursue point-spread type extension expansion, but pay more attention to and rely on modern information technology and network environment to provide brand-new, more convenient and thoughtful financial services.
The mobile phone payment prospect is wide as a product of combining currency electronization and mobile communication business and a business of mobile phone banking. It is expected that by 2003, the global mobile financial services revenue will reach 200 billion euros, with european regions likely reaching around 47 billion euros. Compared with the internet banking, the mobile phone banking has wider potential customer groups and is better in safety and real-time performance. Particularly, in the actual situation of China, due to the particularity of the Chinese situation, the bank card is not popularized, so that the mobile phone payment system is believed to be an important component in China and even play a leading role in the micropayment market.
The popularity of cell phones is temporarily less than that of bank cards in absolute quantities. According to the existing data statistics, the total number of card issuing is more than 2.77 hundred million by 55 card issuing financial institutions in China in the end of 2000 years. On the aspect of mobile phones, as the year 2001, China mobile users have more than one hundred million, China Unicom users reach 1489 million, and the total amount of the users is less than half of the number of issued bank cards. However, if the problem is found to be not so simple if the analysis is carried out carefully, firstly, the repetition rate of the bank card is high, it is quite common that one person owns two or even more cards, if the calculation is not repeated, the number of bank card users is greatly reduced, and the situation that one person owns two mobile phones is rare, so that the data of the number of about one hundred million or two million of mobile phone users has little moisture. Secondly, the bank card which is greatly shrunk can be used for online payment, and is only a small part. At present, the bank cards supporting online payment nationwide at the B2C website MY8848 which is the largest at home only comprise six cards, namely a peony credit card of a commercial bank, a one-network communication of a tenderer bank, an electronic debit card of a great wall of the middle bank, a RMB credit card of the great wall of the middle bank, a Guangdong-developed bank wide-issue credit card and a Guangdong-developed bank wide-issue financing communication card, and all card issuing institutions have 55 cards, and the card issuing types are hundreds of types, the proportion is small, and the cards can be seen in a spot. Based on the above two points, it is reasonable to believe that the number of bank cards that can be used for online payment is far smaller than the owned number of mobile phones.
The existing bank card has a gold card project for solving the problem that the cards of 55 card issuing organizations are not compatible with each other. However, as far as the current situation is concerned, the progress is still not satisfactory, so e-commerce websites such as MY8848 have to support a large number of bank cards simultaneously, which is a complex problem for the whole payment system, both in terms of cost, difficulty and complexity. The problem is much simpler if a mobile phone is used as a means of payment on the internet. The existing mobile phone service providers in China are only two families of China Mobile and China Unicom, and do not seem to increase in a short term. Thus, for the e-commerce website, only two parties of China Mobile and China Union are coordinated, and the complexity is much lower than that of 55 bank cards. If the current huge market share of China Mobile is considered, almost the vast majority of mobile phone users can be covered by coordinating China Mobile alone, the whole problem is simpler, which is a good thing for e-commerce websites, and the difficulty in establishing a payment system is greatly reduced; the method is good for consumers, a large pile of cards do not need to be prepared, even one card is specially applied to deal with different payment systems of different websites, and the online consumption is greatly facilitated.
Any online payment method is costly, which means that the online payment system will charge a certain amount for each online payment of the e-commerce website, and although the current information does not disclose how much proportion of the amount is charged by the bank in the current online payment system, the cost is not low from the perspective of 3% commission of the past credit card, which is a little influence on the profit of the e-commerce website. The cost of mobile phone payment is much lower, so that the mobile phone payment has a huge cost advantage.
The existing mobile phone payment can be realized only by that a mobile phone user purchases an STK card with the communication capability with a mobile phone banking system, or a Subscriber Identity Module (SIM card for short) in a common mobile phone is replaced by a Subscriber Identity Module (SIMToolkit for short) with the communication capability with the mobile phone banking system; by adopting the method, the cost and complexity of mobile phone payment for general mobile phone users are obviously increased.
Disclosure of Invention：
The invention mainly aims to provide a method and a system for mobile phone payment, and any mobile phone user can realize cardless payment, transfer business between different commercial banks and all business requirements of the existing mobile phone banking system through a wireless communication network.
The invention also aims to provide a method and a system for mobile payment, which can interconnect different commercial bank card management systems.
The purpose of the invention is realized as follows:
a method of mobile payment comprising the steps of:
step 1: the user transaction terminal sends payment request information to the mobile financial service transaction center through the wireless communication network;
step 2: the mobile financial service transaction center receives and processes payment request information sent by the user transaction terminal and verifies the validity of payment;
and step 3: the mobile financial service transaction center carries out transaction operation with one or the combination of the transaction terminal equipment or the commercial bank.
The communication protocol for the user transaction terminal to send the payment request information is as follows: a short message Protocol or Unstructured Supplementary Service Data (USSD), a Wireless Application Protocol (WAP), a GPRS or Code Division Multiple Access (CDMA) Protocol.
The wireless communication network is GMS communication network or CDMA communication network or third generation mobile communication network (3G communication network for short) or fourth generation mobile communication network (4G communication network for short) or the combination thereof.
The payment request information at least comprises: the mobile financial service transaction center identification information, the user account information, the transaction terminal equipment identification information and the business service starting information.
The payment request information at least comprises: the mobile financial service transaction center identification information, the transaction terminal equipment identification information and the user account starting information.
The step 2 specifically comprises:
step 201: acquiring data information of a user related to payment;
step 202: judging whether the user transaction terminal is legal payment equipment using the service; if yes, go to step 203; otherwise, go to step 207;
step 203: judging whether the service password is correct, if so, entering the step 204, otherwise, entering the step 206:
step 204: verifying whether the user transaction terminal is associated with a specified bank account number; if yes, go to step 205; otherwise, replying that the user needs to establish the association between the user transaction terminal and the bank account number, and ending;
step 205: verifying whether the transaction terminal equipment designated by the user is available; if yes, entering step 3; otherwise, go to step 207;
step 206: recording error information and archiving;
step 207: and replying the error information of the user transaction terminal, and ending.
The steps of the transaction operation of the mobile financial service transaction center, the transaction terminal equipment and the commercial bank are as follows:
step 301: the transaction terminal equipment is connected with the commercial bank through a mobile financial service transaction center;
step 302: the mobile financial service transaction center transmits the transaction identification information, the commercial bank information and the user telephone number to the payment device in an encryption mode, and the transaction terminal equipment displays the commercial bank information and the telephone number;
step 303: the user inputs the account number and the password of the commercial bank and the transaction amount on the transaction terminal equipment;
step 304: the transaction terminal device transmits the transaction identification information, the commercial bank information, the user telephone number, the commercial bank account number password and the transaction amount information to the mobile financial service transaction center in an encryption mode:
step 305: the mobile financial service transaction center carries out format conversion on the received information transmitted by the transaction terminal equipment according to the requirements of a corresponding commercial bank and analyzes the account information of the commercial bank;
step 306: the mobile financial service transaction center sends the converted transaction request to corresponding business bank front-end equipment;
step 307: the commercial bank accepts the business and returns the processing result to the transaction center;
step 308: the mobile financial service transaction center records the transaction condition and returns the transaction result information to the user transaction terminal and the transaction terminal equipment; and (6) ending.
The steps of the transaction operation of the mobile financial service transaction center, the transaction terminal equipment and the commercial bank are as follows:
step 301': the transaction terminal equipment is directly connected with the commercial bank;
step 302': resolving commercial bank account number by mobile financial service transaction center
Step 303': the mobile financial service transaction center transmits the commercial bank account number, the transaction identification information and the user telephone number to the transaction terminal equipment in an encryption mode, and the payment device displays related data;
step 304': the transaction terminal equipment sends the received information to the commercial bank according to a data protocol required by the corresponding commercial bank;
step 305': the commercial bank accepts the business and returns the processing result to the transaction terminal equipment, and simultaneously informs the mobile financial service transaction center;
step 306': the mobile financial service transaction center records the transaction condition, returns the transaction result information to the user transaction terminal and ends.
The communication network used for transaction communication among the mobile financial service transaction center, the transaction terminal equipment and the commercial bank is as follows: a data communications network.
The communication network used for transaction communication among the mobile financial service transaction center, the transaction terminal equipment and the commercial bank is as follows: public land mobile communication network.
The transaction communication between the mobile financial service transaction center and the transaction terminal equipment and the commercial bank complies with the corresponding financial transaction safety protocol standard.
The user transaction terminal is a mobile phone or a Personal information terminal (Personal Data Assistance, abbreviated as PDA).
The transaction terminal equipment is a common Point Of Sale terminal (Point Of Sale, abbreviated as POS Machine) or an automatic Teller Machine (ATM Machine), or an automatic vending Machine or a mobile POS Machine or a mobile vending Machine or a mobile phone or a PDA.
The wireless communication mode adopted by the mobile POS machine and the mobile vending machine is one or the combination of short message, USSD, WAP, GPRS and CDMA.
The steps of the association between the user transaction terminal and the designated bank account number are as follows:
step 41: a user registers and transacts business application permission for financial transaction through a user transaction terminal through a mobile financial service transaction center, and registers user data information;
step 42: after the application is passed, the mobile financial service transaction center associates the user transaction terminal number with one or more bank accounts or credit card accounts;
step 43: the mobile financial service transaction center grants an initial password for starting financial transaction service to the user;
step 44: the user sets the use code of the bank account number or the credit card account number associated with the user transaction terminal number through the mobile financial service transaction center.
The mobile financial service transaction center is at least provided with:
the database module is used for storing the data of the system work operation;
the communication module is used for taking charge of system internal communication service and communication management;
the message data protocol conversion module is used for realizing message data protocol conversion between the mobile financial service transaction center and the transaction terminal equipment, each commercial bank and the bank card center communication protocols;
a key management module: an encryption algorithm for managing the mobile financial services transaction center;
the encryption/decryption module is used for encrypting database data, communication protocol data and data messages in the mobile financial service transaction center;
the bank system interface module is used for providing a transaction data communication interface between the mobile financial service transaction center and a bank or bank card center;
the communication network data interface module is used for providing a communication interface between the mobile financial service transaction center and a communication network;
and the transaction terminal equipment interface module is used for providing a communication interface between the mobile financial service transaction center and the transaction terminal equipment.
The mobile financial service transaction center is also provided with:
the system and the business management module are used for maintaining, managing, operating and monitoring the operating state of the mobile financial service transaction center;
the telephone voice service module is used for providing voice information navigation service;
and the system monitoring module is used for monitoring the real-time running state of the mobile financial service transaction center.
The number of the mobile financial service transaction centers is one or more than one, and the mobile financial service transaction centers are communicated and interconnected through a communication network.
A mobile payment system comprising at least: user transaction terminal, transaction terminal equipment, one or more than one mobile financial service transaction center, commercial bank card center and national bank card exchange center; wherein,
the user transaction terminal is communicated with the mobile financial service transaction center through a wireless communication network;
the mobile financial service transaction center is respectively communicated with other mobile financial service transaction centers, commercial bank card centers, national bank card switching centers and transaction terminal equipment through a wireless communication network or a wired communication network or a combination thereof.
The mobile financial service transaction center is at least provided with:
the database module is used for storing the data of the system work operation;
the communication module is used for taking charge of system internal communication service and communication management;
the message data protocol conversion module is used for realizing message data protocol conversion between the mobile financial service transaction center and the transaction terminal equipment, each commercial bank and the bank card center communication protocols;
a key management module: an encryption algorithm for managing the mobile financial services transaction center;
the encryption/decryption module is used for encrypting database data, communication protocol data and data messages in the mobile financial service transaction center;
the bank system interface module is used for providing a transaction data communication interface between the mobile financial service transaction center and a bank or bank card center;
the communication network data interface module is used for providing a communication interface between the mobile financial service transaction center and a communication network;
and the transaction terminal equipment interface module is used for providing a communication interface between the mobile financial service transaction center and the transaction terminal equipment.
The mobile financial service transaction center is also provided with:
the system and the business management module are used for maintaining, managing, operating and monitoring the operating state of the mobile financial service transaction center;
the telephone voice service module is used for providing voice information navigation service;
and the system monitoring module is used for monitoring the real-time running state of the mobile financial service transaction center.
The wireless communication network is GMS communication network, CDMA communication network, 3G communication network, 4G communication network or their combination.
The communication protocol followed by the communication between the user mobile phone and the mobile financial service transaction center is as follows: short message protocol, USSD, WAP, GPRS or CDMA.
The user transaction terminal is a mobile phone or a PDA.
The transaction terminal equipment is as follows: a common POS machine or ATM cash dispenser or vending machine or mobile POS machine or mobile vending machine or cell phone or PDA.
The wireless communication mode adopted by the mobile POS machine and the mobile vending machine is one or the combination of short message, USSD, WAP, GPRS and CDMA.
The transaction terminal equipment of the invention is provided with a wireless/wired communication module, an input device, a storage device, an encryption operation module and a printing module. It comprises the following steps: a common POS machine or ATM cash dispenser or vending machine or mobile POS machine or mobile vending machine, a mobile phone, a PDA (mobile phone, PDA may not have a printing module), and the like. The mobile transaction terminal equipment can actively communicate with a mobile financial service transaction center or a commercial bank card management center, and can initiate an activation request through a communication network by the mobile financial service transaction center, so that the connection and communication between the transaction terminal equipment and the mobile financial service transaction center are generated. The wireless communication mode of the transaction terminal equipment and the mobile financial service transaction center can be a GPRS or CDMA or 3G, 4G mobile communication network transmission mode.
The communication protocol adhered to in all the above wireless communication modes may be one or a combination of more than one of short message protocol, USSD, WAP, GPRS and CDMA.
The format of the exchange message between the transaction terminal equipment and the mobile financial service transaction center can adopt a self-defined message format or a customized message format of a commercial bank, and the message format of the transaction terminal equipment which directly communicates with the bank card management center conforms to the basic specification of ISO8583 or the national standard GB/T15150 exchange message specification.
The communication between the transaction terminal equipment and the mobile financial service transaction center can adopt various encryption algorithms to encrypt the transmitted data in the data transmission process, and the encryption algorithms can be as follows: a symmetric Encryption algorithm-a Data Encryption Standard (DES) or an asymmetric Encryption algorithm-a Security Association algorithm (SA) or a combination of a symmetric Encryption algorithm and an asymmetric Encryption algorithm.
When the asymmetric encryption algorithm is adopted, the transmission of the public key data can be carried out after the encryption of the symmetric encryption algorithm so as to ensure the safety of the public key information. The key data of the transaction terminal equipment and the mobile financial service transaction center for data transmission encryption can be replaced regularly or regularly, and the data security transmission of the key for one transaction is realized.
The mobile financial service transaction center of the invention can adopt a plurality of encryption algorithms to encrypt the transmission data in the data transmission process by the communication with the national bank card exchange center and the bank card centers in a plurality of commercial banks, and the encryption algorithms can be: a symmetric encryption algorithm DES, an asymmetric encryption algorithm SA, and a combination of a symmetric encryption algorithm and an asymmetric encryption algorithm.
The invention uses the unique number characteristic of the user transaction terminal, and generates association with the actual bank account number through the mobile financial service transaction center, thereby providing a plurality of financial business acceptance approaches of short message, USSD and interactive voice for the user; the method is suitable for all user transaction terminals with common SIM cards and STK cards. The invention only needs the user to input the transaction terminal device information and the self-defined account number code on the user transaction terminal to carry out the transaction, the bank account number is not needed to be input, the transaction information is transmitted in an encryption mode, a two-stage password confirmation mechanism is provided, the user inputs the password through the user transaction terminal to confirm and start the transaction service, and inputs the password on the transaction terminal device to confirm the execution of the transaction; the safety of account information and transaction is ensured; the transaction terminal equipment can be activated by information sent by the user transaction terminal through the mobile financial service transaction platform.
The invention is described in further detail below with reference to the figures and specific examples.
Drawings：
Fig. 1 is a schematic diagram of a system network structure according to an embodiment of the present invention.
Fig. 2 is a schematic structural diagram of a system of a mobile financial transaction center according to an embodiment of the invention.
FIG. 3 is a schematic diagram of an embodiment of the present invention using a mobile phone and a transaction terminal device to directly communicate with a mobile financial transaction center.
FIG. 4 is a schematic diagram of another embodiment of the present invention using a PDA and transaction terminal device to directly communicate with a mobile financial transaction center.
FIG. 5 is a schematic view of a process of applying for transacting financial transaction services of a mobile phone by a user transaction terminal user according to the present invention.
FIG. 6 is a schematic diagram illustrating a detailed process of a user sending a payment request message and a mobile financial services transaction center processing the message according to the present invention.
Fig. 7 is a partial flowchart of an embodiment of a transaction operation performed by a mobile financial services transaction center with a transaction terminal device and a commercial bank according to the present invention.
Fig. 8 is a partial flowchart of another embodiment of the transaction operation of the mobile financial services transaction center with the transaction terminal device and the commercial bank according to the present invention.
Detailed Description：
Referring to fig. 1, in an embodiment of the present invention, a user communicates with a mobile financial services transaction center through a wireless communication network using a user transaction terminal to send payment request information to the mobile financial services transaction center; the mobile financial service transaction center receives and processes payment request information sent by a user and verifies the validity of payment; and the bank card center and the transaction terminal equipment are respectively communicated through a wireless communication network or a wired communication network or a combination thereof to carry out transaction operation.
Referring to fig. 2, the mobile financial services transaction center as described above is provided with:
a database module for storing system operation data, wherein the database stores user information, transaction terminal data, transaction process record, encrypted data, system maintenance operation data and configuration, etc.;
a communication module for taking charge of system internal communication service and communication management;
a message data protocol conversion module for realizing message data conversion between the mobile financial service transaction center and the transaction terminal equipment, each commercial bank and the bank card center communication protocol;
a key management module for managing the encryption algorithm of the mobile financial service transaction center;
the encryption/decryption module is used for encrypting database data, communication protocol data and data messages in the mobile financial service transaction center;
a bank system interface module for providing transaction data communication interface of mobile financial service transaction center and bank or bank card center;
a communication network data interface module for providing a communication interface between the mobile financial service transaction center and a communication network;
a transaction terminal equipment interface module for providing a communication interface between the mobile financial service transaction center and the transaction terminal equipment;
the system and the business management module are used for maintaining, managing, operating and monitoring the operating state of the mobile financial service transaction center;
a telephone voice service module for providing voice information navigation service;
and the system monitoring module is used for monitoring the real-time running state of the mobile financial service transaction center.
Referring to fig. 5, in an embodiment of the present invention, in which a mobile phone user applies for transacting a mobile phone financial transaction service, the mobile phone user first registers a service application permission for transacting a financial transaction through a mobile phone of the mobile phone user through a mobile financial service transaction center, and registers user profile information of the mobile phone user; when the application passes, the mobile financial service transaction center associates the unique number of the mobile phone of the user with one or more bank accounts or credit card accounts; then, the mobile financial service transaction center grants the initial password of starting financial transaction service to the user, and the user can modify the initial password through the mobile financial service transaction center; finally, the user sets the use code of the bank account number or the credit card account number associated with the unique number of the mobile phone through the mobile financial service transaction center. Through the application steps, the mobile phone user can obtain the transaction service provided by the mobile financial service transaction center of the invention by using the mobile phone.
Referring to fig. 6, when a user transaction terminal user performs payment, first, payment request information is transmitted to a mobile financial service transaction center through a wireless communication network by using the user transaction terminal; then, the mobile financial service transaction center receives and processes payment request information sent by the user and verifies the validity of payment; the specific steps of processing and verifying are as follows:
step 201: acquiring data information of the user related to payment;
step 202: judging whether the user transaction terminal is legal payment equipment using the service; if yes, go to step 203; otherwise, go to step 207;
step 203: judging whether the service password is correct or not, if so, entering a step 204, otherwise, entering a step 206;
step 204: verifying whether the user transaction terminal is associated with a specified bank account number; if yes, go to step 205; otherwise, replying that the user needs to establish the association between the user transaction terminal and the bank account number, and ending;
step 205: verifying whether the transaction terminal equipment designated by the user is available; if yes, entering step 3; otherwise, go to step 207;
step 206: recording error information and archiving;
step 207: and replying the error information of the user and ending.
Once the payment information transmission and verification process is passed, the mobile financial service transaction center and the transaction terminal device and the commercial bank start to perform specific transaction operations.
Referring to fig. 3 and 7, in one embodiment of the invention, the user's cell phone is used as an input means for initiating a payment service. In the invention, the mobile phone owned by the user is equivalent to a bank credit card account number or other bank account numbers owned by the user, the unique number of the mobile phone of the user, namely international mobile equipment Identity (IMSI) and the mobile phone number are associated with the corresponding bank account number, credit card account number or small payment account number through a mobile financial service transaction center, the user inputs the number of the mobile financial service transaction center, the code of the user account number, the identification code of transaction terminal equipment and a business service starting password on the mobile phone, all or part of the information is sent to the mobile financial service transaction center in a wireless mode, the mobile financial service transaction center identifies the Identity of the user after receiving a transaction starting request of the mobile phone and analyzes the code of the user account number at the same time, and the mobile financial service transaction center can activate the corresponding transaction terminal from top to bottom, the transaction terminal equipment is enabled to be in an activated state, the mobile financial service transaction center downloads relevant information required in the financial transaction process to the transaction terminal equipment, and a user inputs information such as transaction amount, bank account number and password on the transaction terminal equipment through a password keyboard to confirm the execution of the transaction process; after receiving the transaction message of the transaction terminal equipment, the mobile financial service transaction center converts the message into a message format required by a corresponding bank card management center or a corresponding commercial bank, submits the message to a related financial institution, returns the transaction result information to the mobile financial service transaction center after the financial institution processes the transaction, and then transmits the transaction result to the mobile phone user through the mobile financial service transaction center. The specific execution steps are as follows:
step 301: the transaction terminal equipment is connected with the commercial bank through a mobile financial service transaction center;
step 302: the mobile financial service transaction center transmits the transaction identification information, the commercial bank information and the user telephone number to the payment device in an encryption mode, and the transaction terminal equipment displays the commercial bank information and the telephone number;
step 303: the user inputs the account number and the password of the commercial bank and the transaction amount on the transaction terminal equipment;
step 304: the transaction terminal device transmits the transaction identification information, the commercial bank information, the user telephone number, the commercial bank account number password and the transaction amount information to the mobile financial service transaction center in an encryption mode:
step 305: the mobile financial service transaction center carries out format conversion on the received information transmitted by the transaction terminal equipment according to the requirements of a corresponding commercial bank and analyzes the account information of the commercial bank;
step 306: the mobile financial service transaction center sends the converted transaction request to corresponding business bank front-end equipment;
step 307: the commercial bank accepts the business and returns the processing result to the transaction center;
step 308: the mobile financial service transaction center records the transaction condition and returns the transaction result information to the user mobile phone and the transaction terminal equipment; and (6) ending.
Referring to fig. 4 and 8, in another embodiment of the present invention, the transaction terminal device may also be directly connected to a corresponding commercial bank for communication; the user's PDA still acts as an input means for initiating the payment service. In the invention, the PDA owned by the user is equivalent to a bank credit card account number or other bank account numbers held by the user, the unique number IMSI and the PDA number of the user PDA are associated with the corresponding bank account number, credit card account number or small payment account number through a mobile financial service transaction center, and the user inputs the mobile financial service transaction center number, the transaction terminal equipment identification code and the user account number starting password on the PDA; all or part of the information is sent to a mobile financial service transaction center in a wireless mode, the mobile financial service transaction center identifies the identity of the user after receiving a transaction starting request of the PDA, and the mobile financial service transaction center analyzes the commercial bank account; the mobile financial service transaction center transmits the commercial bank account number, the transaction identification information and the user telephone number to the transaction terminal equipment in an encryption mode, and the payment device displays related data; the transaction terminal equipment sends the received information to the commercial bank according to a data protocol required by the corresponding commercial bank; the commercial bank accepts the business and returns the processing result to the transaction terminal equipment, and simultaneously informs the mobile financial service transaction center; the mobile financial service transaction center records the transaction situation and returns the transaction result information to the user PDA. The specific execution steps are as follows:
step 301': the transaction terminal equipment is directly connected with the commercial bank;
step 302': resolving commercial bank account number by mobile financial service transaction center
Step 303': the mobile financial service transaction center transmits the commercial bank account number, the transaction identification information and the user telephone number to the transaction terminal equipment in an encryption mode, and the payment device displays related data;
step 304': the transaction terminal equipment sends the received information to the commercial bank according to a data protocol required by the corresponding commercial bank;
step 305': the commercial bank accepts the business and returns the processing result to the transaction terminal equipment, and simultaneously informs the mobile financial service transaction center;
step 306': the mobile financial service transaction center records the transaction condition and returns the transaction result information to the user PDA, and the operation is finished.
The transaction terminal equipment of the invention is provided with a wireless/wired communication module, an input device, a storage device, an encryption operation device and a printing device. It comprises the following steps: a common POS machine or ATM cash dispenser or vending machine or mobile POS machine or mobile vending machine or cell phone or PDA. The mobile transaction terminal equipment can actively communicate with a mobile financial service transaction center or a commercial bank card management center, and can initiate an activation request through a communication network by the mobile financial service transaction center, so that the connection and communication between the transaction terminal equipment and the mobile financial service transaction center are generated. The wireless communication mode of the transaction terminal equipment and the mobile financial service transaction center can be GPRS or CDMA transmission mode and 3 rd and 4 th generation mobile communication networks.
The communication protocol adhered to in all the above wireless communication modes may be one or a combination of more than one of short message protocol, USSD, WAP, GPRS and CDMA.
The format of the exchange message between the transaction terminal equipment and the mobile financial service transaction center can adopt a self-defined message format or a customized message format of a commercial bank, and the message format of the transaction terminal equipment which directly communicates with the bank card management center conforms to the basic specification of ISO8583 or the national standard GB/T15150 exchange message specification.
The communication between the transaction terminal equipment and the mobile financial service transaction center can adopt various encryption algorithms to encrypt the transmitted data in the data transmission process, and the encryption algorithms can be as follows: a symmetric encryption algorithm DES, an asymmetric encryption algorithm SA, and a combination of a symmetric encryption algorithm and an asymmetric encryption algorithm.
When the asymmetric encryption algorithm is adopted, the transmission of the public key data can be carried out after the encryption of the symmetric encryption algorithm so as to ensure the safety of the public key information. The key data of the transaction terminal equipment and the mobile financial service transaction center for data transmission encryption can be replaced regularly or regularly, and the data security transmission of the key for one transaction is realized.
The mobile financial service transaction center of the invention can adopt a plurality of encryption algorithms to encrypt the transmission data in the data transmission process by the communication with the national bank card exchange center and the bank card centers in a plurality of commercial banks, and the encryption algorithms can be: a symmetric encryption algorithm DES, an asymmetric encryption algorithm SA, and a combination of a symmetric encryption algorithm and an asymmetric encryption algorithm.
Referring to fig. 1, there may be more than one mobile financial service transaction centers, and when a user performs a payment transaction in a different place, the user may transmit transaction information transmitted by the user to a corresponding bank, a transaction terminal device, a national bank card center, and a bank card switching center in a plurality of commercial banks through interconnection among a plurality of mobile financial service transaction centers. The interconnection between the mobile financial services transaction centers may be achieved through the communication network described above.
Finally, it should be noted that: although the present invention has been described in detail with reference to the above embodiments, it should be understood by those skilled in the art that: modifications and equivalents may be made thereto without departing from the spirit and scope of the invention and it is intended to cover in the claims the invention as defined in the appended claims.
Claims (26)
1. A method of mobile payment, characterized by: it comprises the following steps:
step 1: the user transaction terminal sends payment request information to the mobile financial service transaction center through the wireless communication network;
step 2: the mobile financial service transaction center receives and processes payment request information sent by the user transaction terminal and verifies the validity of payment;
and step 3: the mobile financial service transaction center carries out transaction operation with one or the combination of the transaction terminal equipment or the commercial bank.
2. A method of mobile payment according to claim 1 wherein: the communication protocol for the user transaction terminal to send the payment request information is as follows: short message protocol, USSD, WAP, GPRS or CDMA.
3. A method of mobile payment according to claim 1 wherein: the wireless communication network is one or the combination of a GMS communication network, a CDMA communication network, a 3G mobile communication network or a 4G mobile communication network.
4. A method of mobile payment according to claim 1 wherein: the payment request information at least comprises: the mobile financial service transaction center identification information, the user account information, the transaction terminal equipment identification information and the business service starting information.
5. A method of mobile payment according to claim 1 wherein: the payment request information at least comprises: the mobile financial service transaction center identification information, the transaction terminal equipment identification information and the user account starting information.
6. A method of mobile payment according to claim 1 wherein: the step 2 specifically comprises:
step 201: acquiring data information of a user related to payment;
step 202: judging whether the user transaction terminal is legal payment equipment using the service; if yes, go to step 203; otherwise, go to step 207;
step 203: judging whether the service password is correct, if so, entering the step 204, otherwise, entering the step 206:
step 204: verifying whether the user transaction terminal is associated with a specified bank account number; if yes, go to step 205; otherwise, replying that the user needs to establish the association between the user transaction terminal and the bank account number, and ending;
step 205: verifying whether the transaction terminal equipment designated by the user is available; if yes, entering step 3; otherwise, go to step 207;
step 206: recording error information and archiving;
step 207: and replying the error information of the user transaction terminal, and ending.
7. A method of mobile payment according to claim 1 wherein: the steps of the transaction operation of the mobile financial service transaction center, the transaction terminal equipment and the commercial bank are as follows:
step 301: the transaction terminal equipment is connected with the commercial bank through a mobile financial service transaction center;
step 302: the mobile financial service transaction center transmits the transaction identification information, the commercial bank information and the user telephone number to the payment device in an encryption mode, and the transaction terminal equipment displays the commercial bank information and the telephone number;
step 303: the user inputs the account number and the password of the commercial bank and the transaction amount on the transaction terminal equipment;
step 304: the transaction terminal device transmits the transaction identification information, the commercial bank information, the user telephone number, the commercial bank account number password and the transaction amount information to the mobile financial service transaction center in an encryption mode:
step 305: the mobile financial service transaction center carries out format conversion on the received information transmitted by the transaction terminal equipment according to the requirements of a corresponding commercial bank and analyzes the account information of the commercial bank;
step 306: the mobile financial service transaction center sends the converted transaction request to corresponding business bank front-end equipment;
step 307: the commercial bank accepts the business and returns the processing result to the transaction center;
step 308: the mobile financial service transaction center records the transaction condition and returns the transaction result information to the user transaction terminal and the transaction terminal equipment; and (6) ending.
8. A method of mobile payment according to claim 1 wherein: the steps of the transaction operation of the mobile financial service transaction center, the transaction terminal equipment and the commercial bank are as follows:
step 301': the transaction terminal equipment is directly connected with the commercial bank;
step 302': resolving commercial bank account number by mobile financial service transaction center
Step 303': the mobile financial service transaction center transmits the commercial bank account number, the transaction identification information and the user telephone number to the transaction terminal equipment in an encryption mode, and the payment device displays related data;
step 304': the transaction terminal equipment sends the received information to the commercial bank according to a data protocol required by the corresponding commercial bank;
step 305': the commercial bank accepts the business and returns the processing result to the transaction terminal equipment, and simultaneously informs the mobile financial service transaction center;
step 306': the mobile financial service transaction center records the transaction condition, returns the transaction result information to the user transaction terminal and ends.
9. Method for mobile payment according to claim 7 or 8, characterized in that: the communication network used for transaction communication among the mobile financial service transaction center, the transaction terminal equipment and the commercial bank is as follows: a data communications network.
10. Method for mobile payment according to claim 7 or 8, characterized in that: the communication network used for transaction communication among the mobile financial service transaction center, the transaction terminal equipment and the commercial bank is as follows: public land mobile communication network.
11. Method for mobile payment according to claim 7 or 8, characterized in that: the transaction communication between the mobile financial service transaction center and the transaction terminal equipment and the commercial bank complies with the corresponding financial transaction safety protocol standard.
12. A method of mobile payment according to claim 1 or 2 or 6 or 7 or 8 wherein: the user transaction terminal is a mobile phone or a PDA.
13. A method of mobile payment according to claim 1 or 4 or 5 or 6 or 7 or 8 wherein: the transaction terminal equipment is a common POS machine or an ATM cash dispenser or a vending machine or a mobile POS machine or a mobile vending machine or a mobile phone or a PDA.
14. A method of mobile payment according to claim 13 wherein: the wireless communication mode adopted by the mobile POS machine and the mobile vending machine is one or the combination of short message, USSD, WAP, GPRS and CDMA.
15. The method of mobile payment according to claim 6, wherein: the steps of the association between the user transaction terminal and the designated bank account number are as follows:
step 41: a user registers and transacts business application permission for financial transaction through a user transaction terminal through a mobile financial service transaction center, and registers user data information;
step 42: after the application is passed, the mobile financial service transaction center associates the user transaction terminal number with one or more bank accounts or credit card accounts;
step 43: the mobile financial service transaction center grants an initial password for starting financial transaction service to the user;
step 44: the user sets the use code of the bank account number or the credit card account number associated with the user transaction terminal number through the mobile financial service transaction center.
16. A method of mobile payment according to claim 1 or 4 or 5 or 7 or 8 wherein: the mobile financial service transaction center is at least provided with:
the database module is used for storing the data of the system work operation;
the communication module is used for taking charge of system internal communication service and communication management;
the message data protocol conversion module is used for realizing message data protocol conversion between the mobile financial service transaction center and the transaction terminal equipment, each commercial bank and the bank card center communication protocols;
a key management module: an encryption algorithm for managing the mobile financial services transaction center;
the encryption/decryption module is used for encrypting database data, communication protocol data and data messages in the mobile financial service transaction center;
the bank system interface module is used for providing a transaction data communication interface between the mobile financial service transaction center and a bank or bank card center;
the communication network data interface module is used for providing a communication interface between the mobile financial service transaction center and a communication network;
and the transaction terminal equipment interface module is used for providing a communication interface between the mobile financial service transaction center and the transaction terminal equipment.
17. A method of mobile payment according to claim 16 wherein: the mobile financial service transaction center is also provided with:
the system and the business management module are used for maintaining, managing, operating and monitoring the operating state of the mobile financial service transaction center;
the telephone voice service module is used for providing voice information navigation service;
and the system monitoring module is used for monitoring the real-time running state of the mobile financial service transaction center.
18. A method of mobile payment according to claim 16 wherein: the number of the mobile financial service transaction centers is one or more than one, and the mobile financial service transaction centers are communicated and interconnected through a communication network.
19. A mobile payment system, characterized by: it at least comprises: user transaction terminal, transaction terminal equipment, one or more than one mobile financial service transaction center, commercial bank card center and national bank card exchange center; wherein,
the user transaction terminal is communicated with the mobile financial service transaction center through a wireless communication network;
the mobile financial service transaction center is respectively communicated with other mobile financial service transaction centers, commercial bank card centers, national bank card switching centers and transaction terminal equipment through a wireless communication network or a wired communication network or a combination thereof.
20. A mobile payment system as recited in claim 19, wherein: the mobile financial service transaction center is at least provided with:
the database module is used for storing the data of the system work operation;
the communication module is used for taking charge of system internal communication service and communication management;
the message data protocol conversion module is used for realizing message data protocol conversion between the mobile financial service transaction center and the transaction terminal equipment, each commercial bank and the bank card center communication protocols;
a key management module: an encryption algorithm for managing the mobile financial services transaction center;
the encryption/decryption module is used for encrypting database data, communication protocol data and data messages in the mobile financial service transaction center;
the bank system interface module is used for providing a transaction data communication interface between the mobile financial service transaction center and a bank or bank card center;
the communication network data interface module is used for providing a communication interface between the mobile financial service transaction center and a communication network;
and the transaction terminal equipment interface module is used for providing a communication interface between the mobile financial service transaction center and the transaction terminal equipment.
21. A mobile payment system as recited in claim 20, wherein: the mobile financial service transaction center is also provided with:
the system and the business management module are used for maintaining, managing, operating and monitoring the operating state of the mobile financial service transaction center;
the telephone voice service module is used for providing voice information navigation service;
and the system monitoring module is used for monitoring the real-time running state of the mobile financial service transaction center.
22. A mobile payment system as recited in claim 19, wherein: the wireless communication network is GMS communication network, CDMA communication network, 3G communication network, 4G communication network or their combination.
23. A mobile payment system as recited in claim 19, wherein: the communication protocol followed by the communication between the user mobile phone and the mobile financial service transaction center is as follows: short message protocol, USSD, WAP, GPRS or CDMA.
24. A mobile payment system as recited in claim 19, wherein: the user transaction terminal is a mobile phone or a PDA.
25. A mobile payment system as claimed in claim 19 or 20, wherein: the transaction terminal equipment is as follows: a common POS machine or ATM cash dispenser or vending machine or mobile POS machine or mobile vending machine or cell phone or PDA.
26. A mobile payment system as recited in claim 25, wherein: the wireless communication mode adopted by the mobile POS machine and the mobile vending machine is one or the combination of short message, USSD, WAP, GPRS and CDMA.
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| CNB01139885XA CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
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| CNB01139885XA CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
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| CN1423472A true CN1423472A (en) | 2003-06-11 |
| CN100471214C CN100471214C (en) | 2009-03-18 |
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| CNB01139885XA Expired - Fee Related CN100471214C (en) | 2001-12-04 | 2001-12-04 | Mobile payment method and system thereof |
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| CN100350808C (en) * | 2003-08-26 | 2007-11-21 | 杭州义盛祥通信技术有限公司 | Mobile terminal equipment auto-identification and value-added service access system |
| CN100382486C (en) * | 2004-10-26 | 2008-04-16 | 恒生电子股份有限公司 | Safety authentication method of cell phone bank system |
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