CN1450782A - Mobile payment realization by bank credit card binding SIM card of mobile telephone set - Google Patents
Mobile payment realization by bank credit card binding SIM card of mobile telephone set Download PDFInfo
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- CN1450782A CN1450782A CN 03116382 CN03116382A CN1450782A CN 1450782 A CN1450782 A CN 1450782A CN 03116382 CN03116382 CN 03116382 CN 03116382 A CN03116382 A CN 03116382A CN 1450782 A CN1450782 A CN 1450782A
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- Prior art keywords
- credit card
- bank
- card
- mobile
- mobile phone
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- Mobile Radio Communication Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The bank and mobile communication supplier come to agreement to provide binding mode service to the bank by the mobile communication supplier and to set up binding information server and file. The credit card issued by the bank is bound with mobilephone STM card and the corresponding relationship between the credit card and SIM card, personal data and password are set on main computer of the communication service supplier as well as the client end program for consuming settlement is made on SIM card of mobilephone. At time of applying credit card, the client applies the bound mobile phone SIM card service. When the client carries on consumption at commerical firm the payment can be confirmed by POS machine at the first and the mobile phone of the client furthermore finalized by signature on the bill by the client.
Description
Affiliated technical field
The present invention is that bank utilizes mobile communication technology, and bank card information is bundled on the SIM cards of mobile phones, utilizes mobile phone to consume as the means of payment again.It crosses over the service in bank, mobile operator, three fields of mobile phone manufacturer, is to belong to the financial field basically.
Background technology
Many consumption place all is provided with consumption terminal machine (POS), and the consumer who holds bank card can use credit card to pay on POS to carry out consume activity.Credit card can also be used to overdrawing and consumes and the overdraw cash.
Can realize online stored value card by the Internet, the consumer can realize functions such as consumption and financing by network.
The beneficial effect of the invention
Enforcement of the present invention brings the means of payment more easily to the consumer.Sometimes the consumer is not with card, but mobile phone is carried when common.As long as bound credit card on the mobile phone card, just brought great convenience to payment.Should service can expedite the emergence of many new services simultaneously.
Summary of the invention
The present invention is the extension to the bank credit service function.Conventional credit card is the consumer to be thrown in the voucher of credit line.The consumer can trust with being stuck in upward extraction cash of last consumption of POS or ATM.After bank releases the mobile payment service of this binding SIM cards of mobile phones, binding SIM cards of mobile phones when the distribution credit card.Next bar customer information is write down in the binding back on the main frame of mobile communication service provider, the corresponding relation of its record credit card and SIM card, information such as holder's personal information, password.Customized the client-side program of consumption clearing on the SIM card of mobile phone and on the mobile phone.
When consumer behavior took place the consumer who uses credit card binding service, trade company proposed the clearing application by the POS machine to bank, and this consumer's phone number or credit card number are provided.Bank uses the mobile communication service to send the clearing notice to consumer's mobile phone, and the consumer inputs password on mobile phone, and concurrent carry information confirms to accept this clearing.The POS machine is got statement of account, and client's affirmation of signing represents that promptly this transaction finishes.
The embodiment of whole service
Reach an agreement between bank and the mobile communication service provider, mobile service supplier is for bank provides binding service, sets up and safeguards binding information server and file, and mobile communication service (communication service in the clearing affirmation process) is provided.Bank then uses this mobile communication service to settle accounts affirmation with the consumer.
The consumer can apply for handling the service of binding SIM cards of mobile phones simultaneously when credit card is got in application, perhaps credit card is handled in application when the application SIM cards of mobile phones.After the consumer files an application, the consumer is carried out credit evaluation, and provide credit, provide SIM card by mobile communication service provider by bank.On binding server, add a binding information simultaneously.This consumer promptly can begin to enjoy mobile payment and serve.
Claims (2)
1, bank card binding mobile phone SIM card, and in the database of mobile communication, set up this mobile phone and credit card and set up one-to-one relationship, with the mobile payment function of realizing that no credit card is consumed on the POS terminating machine.
2, when the mobile phone (being mobile phone SIM) of binding credit card, when consuming and need payment, send the clearing request by bank to this mobile phone, and finish the function of payment by this mobile phone answer confirmation by the POS terminating machine.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03116382 CN1450782A (en) | 2003-04-14 | 2003-04-14 | Mobile payment realization by bank credit card binding SIM card of mobile telephone set |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03116382 CN1450782A (en) | 2003-04-14 | 2003-04-14 | Mobile payment realization by bank credit card binding SIM card of mobile telephone set |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1450782A true CN1450782A (en) | 2003-10-22 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03116382 Pending CN1450782A (en) | 2003-04-14 | 2003-04-14 | Mobile payment realization by bank credit card binding SIM card of mobile telephone set |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1450782A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100464336C (en) * | 2005-06-14 | 2009-02-25 | 华为技术有限公司 | Method for controlling system account right |
| CN102339501A (en) * | 2010-10-09 | 2012-02-01 | 上海复展照明科技有限公司 | Method for establishing binding relationship between integrated circuit (IC) card and gas meter |
| CN101345940B (en) * | 2008-05-05 | 2012-09-05 | 杜克发 | Mobile phone self-service system and method |
| US8275364B2 (en) | 2008-01-04 | 2012-09-25 | Logomotion, S.R.O. | Systems and methods for contactless payment authorization |
| US8406809B2 (en) | 2009-05-03 | 2013-03-26 | Logomotion, S.R.O. | Configuration with the payment button in the mobile communication device, the way the payment process is started |
| US8500008B2 (en) | 2009-04-24 | 2013-08-06 | Logomotion, S.R.O | Method and system of electronic payment transaction, in particular by using contactless payment means |
| US8737983B2 (en) | 2008-03-25 | 2014-05-27 | Logomotion, S.R.O. | Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device |
| US8799084B2 (en) | 2008-09-19 | 2014-08-05 | Logomotion, S.R.O. | Electronic payment application system and payment authorization method |
| US9054408B2 (en) | 2008-08-29 | 2015-06-09 | Logomotion, S.R.O. | Removable card for a contactless communication, its utilization and the method of production |
| US9081997B2 (en) | 2008-10-15 | 2015-07-14 | Logomotion, S.R.O. | Method of communication with the POS terminal, the frequency converter for the post terminal |
| US9098845B2 (en) | 2008-09-19 | 2015-08-04 | Logomotion, S.R.O. | Process of selling in electronic shop accessible from the mobile communication device |
| CN108831048A (en) * | 2018-09-20 | 2018-11-16 | 安徽亘达信息科技有限公司 | A kind of intelligent receive-transmit card charging system and method based on code scaning information |
-
2003
- 2003-04-14 CN CN 03116382 patent/CN1450782A/en active Pending
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100464336C (en) * | 2005-06-14 | 2009-02-25 | 华为技术有限公司 | Method for controlling system account right |
| US8275364B2 (en) | 2008-01-04 | 2012-09-25 | Logomotion, S.R.O. | Systems and methods for contactless payment authorization |
| US8737983B2 (en) | 2008-03-25 | 2014-05-27 | Logomotion, S.R.O. | Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device |
| CN101345940B (en) * | 2008-05-05 | 2012-09-05 | 杜克发 | Mobile phone self-service system and method |
| US9054408B2 (en) | 2008-08-29 | 2015-06-09 | Logomotion, S.R.O. | Removable card for a contactless communication, its utilization and the method of production |
| US9098845B2 (en) | 2008-09-19 | 2015-08-04 | Logomotion, S.R.O. | Process of selling in electronic shop accessible from the mobile communication device |
| US8799084B2 (en) | 2008-09-19 | 2014-08-05 | Logomotion, S.R.O. | Electronic payment application system and payment authorization method |
| US9081997B2 (en) | 2008-10-15 | 2015-07-14 | Logomotion, S.R.O. | Method of communication with the POS terminal, the frequency converter for the post terminal |
| US8500008B2 (en) | 2009-04-24 | 2013-08-06 | Logomotion, S.R.O | Method and system of electronic payment transaction, in particular by using contactless payment means |
| US8583493B2 (en) | 2009-05-03 | 2013-11-12 | Logomotion, S.R.O. | Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction |
| US8606711B2 (en) | 2009-05-03 | 2013-12-10 | Logomotion, S.R.O. | POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone |
| US8406809B2 (en) | 2009-05-03 | 2013-03-26 | Logomotion, S.R.O. | Configuration with the payment button in the mobile communication device, the way the payment process is started |
| US10332087B2 (en) | 2009-05-03 | 2019-06-25 | Smk Corporation | POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone |
| CN102339501A (en) * | 2010-10-09 | 2012-02-01 | 上海复展照明科技有限公司 | Method for establishing binding relationship between integrated circuit (IC) card and gas meter |
| CN108831048A (en) * | 2018-09-20 | 2018-11-16 | 安徽亘达信息科技有限公司 | A kind of intelligent receive-transmit card charging system and method based on code scaning information |
| CN108831048B (en) * | 2018-09-20 | 2024-01-16 | 安徽亘达信息科技有限公司 | Intelligent card receiving and sending charging system and method based on code scanning information |
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |