CN1479551A - Method of mobile terminal payment and its system - Google Patents
Method of mobile terminal payment and its system Download PDFInfo
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- CN1479551A CN1479551A CNA031408028A CN03140802A CN1479551A CN 1479551 A CN1479551 A CN 1479551A CN A031408028 A CNA031408028 A CN A031408028A CN 03140802 A CN03140802 A CN 03140802A CN 1479551 A CN1479551 A CN 1479551A
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Abstract
The system includes gateway and mobile terminals. The characters are that the system also includes shop terminals and payment platform. The said shop terminals and mobile terminals are linked to gateway respectively. The gateway is connected to the payment platform. The said payment platform stores the shop information of the shop terminals as well as users information of mobile terminals. When payment of a mobile terminal is carried out, the mobile terminal makes a communication including voice communication with the payment platform, and the shop terminal also makes a communication with the payment platform.
Description
Technical field
The present invention relates to a kind of method of wireless communication and system thereof, especially refer to a kind of mobile terminal payment method and system thereof.
Background technology
At present,, occurred a kind of method of using portable terminal to pay on the market, generally had following four kinds of modes to realize in order to solve the defective of band card consumption:
One, solved by the STK card: the user is replaced with the STK card to China Mobile Service Hall with the SIM card in the portable terminal, the information of the bank that prestored in the STK card, and the user is that the bank card account number of appointment is opened this business to bank then.When using this business, according to information such as the account number of the input of the menu in STK account number, password, trade company, the consumption amount of money, and then send to transaction platform, finish by transaction platform and remit account.Because the capacity of STK card is very little, generally can only deposit 1～2 account No., is equivalent to limit the operable bank card quantity of user; In use, need the user to import more content, consumed time is longer, will re-enter in case mistake occurs when input, and is very inconvenient when the user is used; And desire to carry out this business, the user must change SIM card, has so just influenced applying of this mode.
Two, the mode by portable terminal dialing solves: opened a kind of portable terminal business of paying dues at present in Hainan, the user is by dialing a shortcode, as 1717 ※ 100 is the practicable portable terminal expense (wherein shortcode 1717,100th, the amount of money of paying) of paying.This scheme is used easily, but this scheme is equivalent to a directed account transfer, needs different shortcodes if pay different expenses, the waste number resource; And this scheme is different from the mobile payment on the complete meaning, because can not transfer information to account number arbitrarily; This scheme is that orientation is paid the fees in addition, does not have verification process, causes the fail safe of this scheme to reduce.
Three, solve by the mode that withholds telephone expenses: promptly user's expense of buying commodity is directly withheld from telephone expenses by mobile operator, but this mode can only be paid the expense of small amount, and the scope of payment is very restricted.
Four, solve by short message way: the user sends to platform by input user account number, password, trade company's code name, password, the amount of money etc. of paying the fees in short message, is finished by platform and remits account.But the user need import a large amount of information, and traffic affecting uses; And the fail safe of this scheme is low, and short message is a plaintext transmission, in short message service center backup is arranged all, is easy to cause divulging a secret.
At present, also has a kind of method of utilizing SMS communication to collect internet service fee, this method is to utilize SMS communication to collect cellphone subscriber's wired internet service charge, has limitation, this technology indication solves the timely small amount payment of needed service on the Internet to a certain extent, its purpose just can reach wired internet more extensive, release chargeable service easily, the service on the internet usage that the user can be simple and convenient, safe connects the Internet and market value.In addition the enforcement of this method just with mobile phone as the pay dues terminal of password of a reception, and when handing over telephone expenses, pay user's consumption amount of money on the internet in the lump by the cellie.And the payment services of mobile phone only are directed to the consumption on the Internet, and the scope of application is restricted.
In sum, above-mentioned settling mode in use, it is more to have the input content, expending time in long also needs specific mode to realize, does not have versatility and fail safe reliably, in the use, can not satisfy all demands of user.
Summary of the invention
The object of the present invention is to provide a kind of method of mobile terminal payment, it is many to solve the input content, and the long defective that expends time in also has versatility and fail safe, and is simple and practical.
Another object of the present invention is to provide a kind of system of mobile terminal payment, can handle the process of mobile payment fast and accurately, solve the problem of payment process very complicated in the prior art.
The object of the present invention is achieved like this: a kind of method of mobile terminal payment comprises: gateway, portable terminal; Also comprise: merchant tenninal, payment platform; Described merchant tenninal and portable terminal connect with described gateway respectively, and described gateway connects with described payment platform; Wherein:
Described payment platform stores the merchant information and the described mobile terminal user information of described merchant tenninal; When carrying out described mobile terminal payment:
Described portable terminal comprises communicating by letter of voice communication with described payment platform;
Described merchant tenninal and described payment platform communicate.
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration.
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number.
Described portable terminal is meant: the portable terminal with mobile module.
Described portable terminal comprises: mobile phone, have mobile module PDA, have the laptop computer of mobile module.
Described merchant tenninal can be the POS machine.
Described merchant tenninal can be wired POS machine, wireless POS machine and computer.
Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
Described portable terminal and described payment platform carry out two way voice communication and comprise: described payment platform is called out described portable terminal, and carries out two way voice communication.
Described portable terminal and described payment platform carry out two way voice communication and also can comprise: the described payment platform of described mobile terminal calling, and carry out two way voice communication.
When merchant tenninal was called out payment platform, its step comprised:
Described merchant tenninal generates payment request information according to described mobile terminal user information, and this payment request information is passed to described payment platform;
Described payment platform is handled described payment request information and is generated the payment affirmation solicited message, and calls out described portable terminal, in the mode of voice communication described payment affirmation solicited message is passed to described portable terminal;
Described portable terminal is replied described payment affirmation solicited message according to the voice suggestion of payment platform;
The payment affirmation information of described payment platform after to described replying is handled the generation payment information, and this payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
When the mobile terminal calling payment platform, its step comprises:
Described portable terminal generates payment request information according to described merchant information, and calls out described payment platform, and payment platform is given described payment platform with voice communication prompting portable terminal input payment request information;
Described payment platform is handled the generation payment information to described payment request information, and described payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal can be mobile phone;
Described merchant tenninal can be the POS machine;
Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal can be mobile phone;
Described merchant tenninal can be the POS machine;
Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
Described merchant tenninal includes according to the payment request information that mobile terminal user information generates: trade company number, the account No. of trade company, described merchant tenninal number of registration, Subscriber Number PID, Transaction Details.
After the payment request information that described payment platform provides merchant tenninal is checked, call out portable terminal, and require portable terminal input validation information in the mode of voice.
The payment affirmation information that described portable terminal is replied can be user cipher PIN.
Described portable terminal is according to the payment request information that merchant information generates, and includes trade company number, Subscriber Number PID, user's account No., user cipher PIN, Transaction Details.
Described Transaction Details can include dealing money, Transaction Identification Number.
Described payment platform can include payment platform voice requirement portable terminal and the payment request be confirmed portable terminal can be imported user cipher PIN and confirm in described payment request information being handled generation payment information process.
The present invention is realized that by a kind of mobile terminal payment system this system comprises: gateway, portable terminal, payment platform; Also comprise: merchant tenninal; Described merchant tenninal and portable terminal connect with described gateway respectively, and described gateway connects with described payment platform; Wherein:
Described payment platform is: store the merchant information of described merchant tenninal and the payment platform of described mobile terminal user information;
Described portable terminal is: the portable terminal of communicating by letter that can comprise voice communication with described payment platform;
Described merchant tenninal comprises: cyclelog, keyboard, magnetic stripe card card reader, IC-card card reader, phone module, data module, mobile module, display unit, two audio-frequency generators, and link encryption module; Described phone module inserts fixed-line telephone network, and described mobile module inserts mobile telephone network.
Merchant information described in this system can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration; Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
Described merchant tenninal is passed through self keyboard input Subscriber Number PID and transaction content, thereby generates trading information data, and sends this trading information data to described payment platform through fixed-line telephone network or mobile telephone network;
Payment platform is handled the trading information data of receiving, and calls out portable terminal, to its voice signal;
Portable terminal receives the voice signal that payment platform transmits, and replys voice signal and user cipher PIN to the payment platform transmission;
Payment platform to receive reply voice signal and user cipher PIN handles, and transmit the payment information data and give merchant tenninal.
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
The mobile terminal calling payment platform, and transmit voice signal and the user cipher PIN comprise Transaction Information to payment platform;
Payment platform is handled receiving voice signal and user cipher PIN, and calls out merchant tenninal, transmits payment information to it;
Described merchant tenninal receives described payment information by fixed-line telephone network or mobile telephone network, and payment information is handled.
Described portable terminal comprises: mobile phone, have mobile module PDA, have the laptop computer of mobile module.
Remarkable result of the present invention is, the present invention can realize the payment that people are random whenever and wherever possible, and the mobility and the payment of bank card function of portable terminal combined effectively.In the mobile payment process, the instrument that is utilized is only for portable terminal, to its use without any influence and change, only need portable terminal user and trade company simply to register, simplified accreditation process, have wide range of applications; Adopt the mode of voice that the situation of payment is confirmed in the use, and the user to import content few, need not expend time in, simple and practical, have good security reliability.
Description of drawings
Fig. 1 is the workflow diagram of embodiments of the invention 1.
Fig. 2 is the workflow diagram of embodiments of the invention 2.
Fig. 3 is a system of the present invention syndeton schematic diagram.
Fig. 4 is the structural representation of merchant tenninal of the present invention.
Embodiment
The present invention is a kind of method of mobile terminal payment, comprising: gateway; Also comprise: payment platform, merchant tenninal, portable terminal; Described merchant tenninal and portable terminal connect with described gateway respectively, and described gateway connects with described payment platform; Wherein:
Described payment platform stores the merchant information and the described mobile terminal user information of described merchant tenninal; When carrying out described mobile terminal payment:
Described portable terminal and described payment platform carry out two way voice communication;
Described portable terminal and described merchant tenninal communicate;
Described merchant tenninal and described payment platform communicate.
Merchant information of the present invention can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration.Mobile terminal user information of the present invention can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number.
In the present embodiment, described portable terminal can be mobile phone.This portable terminal also adopts moving speech communication devices such as PDA with function of voice communication, laptop computer to replace.
In the present embodiment, described merchant tenninal can be the POS machine.This merchant tenninal of the present invention also can adopt wired POS machine, wireless POS machine, landline telephone or mobile phone and computer.
In the present embodiment, merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
In the present embodiment, described portable terminal and described payment platform carry out two way voice communication and comprise: described payment platform is called out described portable terminal, and carries out two way voice communication.
In implementation process, the step of its payment can comprise as shown in Figure 1:
Described merchant tenninal generates payment request information according to described mobile terminal user information, and this payment request information is passed to described payment platform;
Described payment platform is handled described payment request information and is generated the payment affirmation solicited message, and calls out described portable terminal, in the mode of voice communication described payment affirmation solicited message is passed to described portable terminal;
Described portable terminal is replied described payment affirmation solicited message in the mode of voice communication;
The payment affirmation information of described payment platform after to described replying is handled the generation payment information, and this payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
In the present embodiment, described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration; Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number; Described portable terminal can be mobile phone; Described merchant tenninal can be the POS machine; Described merchant tenninal connects with described gateway can adopt wired connection or wireless connections.
In the present embodiment, described merchant tenninal includes according to the payment request information that mobile terminal user information generates: trade company number, the account No. of trade company, described merchant tenninal number of registration, Subscriber Number PID.After the payment request information that described payment platform provides merchant tenninal is checked, call out portable terminal, and require portable terminal input validation information in the mode of voice.The affirmation information that described portable terminal is replied can be user cipher PIN.
Its concrete application process is as described below:
Client chooses the commodity or the service of franchised business through various channels.The channel here can be that Internet, phone, Wap, face-to-face or the like all possible channel and franchised business get in touch.After selecting suitable sample or service, during checkout, client proposes to use mobile terminal payment, and the individual who oneself registers is paid the cashier that number PID tells franchised business.The payment request information that trade company uses the merchant tenninal in operator's registration will include franchised business number, the bank account of gathering, the merchant tenninal of participating in business and individual payment number PID and Transaction Details offers payment platform, and these Transaction Details can be dealing money.In this process, as trade company registration be the POS machine, system will return transaction results information, the POS machine will be handled these information and print voucher; As trade company registration be mobile phone or PDA etc. with cell-phone function, payment platform will return transaction results information by short message; As trade company registration be landline telephone, payment platform will return transaction results information by voice mode.Client's registration portable terminal is searched and dialed to payment platform according to the above-mentioned information that trade company provides, and can be mobile phone, and remind client with voice mode: you * * trade company's consumption * * unit, please import payment cipher and confirm if agree payment, otherwise ask on-hook.Portable terminal is paid as agreeing according to actual conditions, then the correct individual payment cipher PIN of input confirms on mobile phone, after payment platform is examined, the Payments Policy of definition is handled and is finished and remit account during according to registration, and notice franchised business, trade company obtains the successful information of payment by the registration facility, goes out according to invoice and with goods or service to offer the portable terminal user, finishes a mobile terminal payment service.The user disagrees with payment as portable terminal, directly on-hook, and the mobile payment service routine stops.
The present invention combines the mobility and the payment of bank card function of portable terminal effectively, can realize the payment that people are random whenever and wherever possible.In the mobile payment process, the instrument that is utilized is only for portable terminal, to its use without any influence and change, only need portable terminal user and trade company simply to register, simplified accreditation process, have wide range of applications; Adopt the mode of voice that the situation of payment is confirmed in the use, and the user to import content few, need not expend time in, simple and practical, have good security reliability.
Portable terminal of the present invention and described payment platform carry out two way voice communication and also can comprise: the described payment platform of described mobile terminal calling, and carry out two way voice communication.
During this mobile terminal calling payment platform, can be as shown in Figure 2, its payment step comprises:
Described portable terminal generates payment request information according to described merchant information, and calls out described payment platform, in the mode of voice communication described payment request information is passed to described payment platform;
Described payment platform is handled the generation payment information to described payment request information, and described payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
In the present embodiment, described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration; Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number; Described portable terminal can be mobile phone; Described merchant tenninal can be the POS machine; Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
Described portable terminal is according to the payment request information that merchant information generates, and includes trade company number, Subscriber Number PID, Transaction Details, user's account No., user cipher PIN.Described Transaction Details can include dealing money, Transaction Identification Number.In the present embodiment, described payment platform can include payment platform voice requirement portable terminal and the payment request be confirmed portable terminal can be imported user cipher PIN and confirm in described payment request information being handled generation payment information process.
The concrete application process of present embodiment is as follows: client chooses the commodity or the service of franchised business by Internet, phone, Wap, face-to-face or the like various channels.During checkout, client proposes to use mobile payment.Franchised business provides merchant information to client, and trading card mainly comprises the merchant tenninal number and the Transaction Details of franchised business number, registration, and by electronics, voice or papery or the like channel offer the client who uses portable terminal.Client uses portable terminal to communicate by letter with payment platform, under the prompting of voice, key in payment request information such as merchant information, merchant tenninal numbering, Transaction Details, individual payment number PID and individual payment cipher PIN, in voice communication course, payment platform can voice requires portable terminal input payment affirmation information, promptly imports the individual payment cipher PIN affirmation of paying; The Payments Policy of definition is handled and is finished and remit account when payment request information that payment platform provides according to the portable terminal user and payment affirmation information and registration, trade company obtains the successful information of payment by the cash receiving terminal facility of registration, go out according to invoice and with goods to give client, finish payment service procedure one time.In payment process, disagree with payment or input password mistake as the portable terminal user, the mobile payment service routine is stopped.
Characteristics of the present invention also are: the promoter of payment can separate with the actual delivery people, promptly is not same individual.Buy the PID number that commodity can be told the head of a family of trade company such as child, confirm that phone will push the head of a family's mobile phone, and remit account by the head of a family's bank card; Or when shopping also can use relatives at a distance or friend's payment PID when short of cash, and helped timely.In addition, when using remote payment (as remote ticket-buying), the normally confirmation code that the user obtains when paying successfully etc., confirmation code can be used as the voucher of user's delivery of cargo.Use of the present invention has strengthened user's initiative to a great extent, saves time, and improves the efficient of transaction.
The present invention can adopt following system to realize: this system comprises: gateway, portable terminal, payment platform; Also comprise: merchant tenninal; Described merchant tenninal and portable terminal connect with described gateway respectively, and its annexation can be as shown in Figure 3, but described gateway and this merchant tenninal and portable terminal wired connection or wireless connections, and this gateway connects with described payment platform; Wherein:
Described payment platform is: store the merchant information of described merchant tenninal and the payment platform of described mobile terminal user information;
Described portable terminal is: the portable terminal of communicating by letter that can comprise voice communication with described payment platform;
Described merchant tenninal comprises: cyclelog, keyboard, magnetic stripe card card reader, IC-card card reader, phone module, data module, mobile module, display unit, two audio-frequency generators, and link encryption module; Described phone module inserts fixed-line telephone network, and described mobile module inserts mobile telephone network.
Merchant information described in this system can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration; Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
Described merchant tenninal is passed through self keyboard input Subscriber Number PID and transaction content, thereby generates trading information data, and sends this trading information data to described payment platform through fixed-line telephone network or mobile telephone network;
Payment platform is handled the trading information data of receiving, and calls out portable terminal, to its voice signal;
Portable terminal receives the voice signal that payment platform transmits, and replys voice signal and user cipher PIN to the payment platform transmission;
Payment platform to receive reply voice signal and user cipher PIN handles, and transmit the payment information data and give merchant tenninal.
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
The mobile terminal calling payment platform, and transmit voice signal and the user cipher PIN comprise Transaction Information to payment platform;
Payment platform is handled receiving voice signal and user cipher PIN, and calls out merchant tenninal, transmits payment information to it;
Described merchant tenninal receives described payment information by fixed-line telephone network or mobile telephone network, and payment information is handled.
Described portable terminal comprises: mobile phone, have mobile module PDA, have the laptop computer of mobile module.
The system configuration of this merchant tenninal can be as shown in Figure 4, in this system, and keyboard: be used to import user's information such as PID, Transaction Details, display screen: be used to show relevant information; Cyclelog: be used for dynamic load and upgrade terminal control software; Magnetic stripe card card reader: be used to read magnetic stripe card (common credit card is magnetic stripe card at present) and common POS machine compatibility; The IC-card card reader: be used to read and write contact or non-contact IC card, the credit card of employing IC-card mode that can be compatible later also can be used for operator's identification etc.; Two audio-frequency generators: be used to export double-audio signal; Link encryption module: be used for the enciphering/deciphering data; Data module: be used for connecting and deal with data net information; Phone module: be used for connecting and handling telephone network information, the POS terminal possesses all functions that plain old telephone is arranged; Wireless module: be used for connecting and handling wireless network information, all functions of the common substantially mobile phone of POS terminal.
Can realize the payment that people are random whenever and wherever possible by the present invention, the mobility and the payment of bank card function of portable terminal combined effectively.In the mobile payment process, the instrument that is utilized is only for portable terminal, to its use without any influence and change, only need portable terminal user and trade company simply to register, simplified accreditation process, have wide range of applications; Adopt the mode of voice that the situation of payment is confirmed in the use, and the user to import content few, need not expend time in, simple and practical, have good security reliability.
Claims (24)
1. the method for a mobile terminal payment comprises: gateway, portable terminal; It is characterized in that also comprising: merchant tenninal, payment platform; Described merchant tenninal and portable terminal connect with described gateway respectively, and described gateway connects with described payment platform; Wherein:
Described payment platform stores the merchant information and the described mobile terminal user information of described merchant tenninal; When carrying out described mobile terminal payment:
Described portable terminal comprises communicating by letter of voice communication with described payment platform;
Described merchant tenninal and described payment platform communicate.
2. method according to claim 1 is characterized in that, described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration.
3. method according to claim 1 is characterized in that, described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number.
4. method according to claim 1 is characterized in that, described portable terminal is meant: the portable terminal with mobile module.
5. method according to claim 1 is characterized in that, described portable terminal comprises: mobile phone, have mobile module PDA, have the laptop computer of mobile module.
6. method according to claim 1 is characterized in that described merchant tenninal can be the POS machine.
7. method according to claim 1 is characterized in that, described merchant tenninal can be wired POS machine, wireless POS machine and computer.
8. method according to claim 1 is characterized in that, described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
9. method according to claim 1 is characterized in that, described portable terminal and described payment platform carry out two way voice communication and comprise: described payment platform is called out described portable terminal, and carries out two way voice communication.
10. method according to claim 1 is characterized in that, described portable terminal and described payment platform carry out two way voice communication and also can comprise: the described payment platform of described mobile terminal calling, and carry out two way voice communication.
11. method according to claim 9, its step comprises:
Described merchant tenninal generates payment request information according to described mobile terminal user information, and this payment request information is passed to described payment platform;
Described payment platform is handled described payment request information and is generated the payment affirmation solicited message, and calls out described portable terminal, in the mode of voice communication described payment affirmation solicited message is passed to described portable terminal;
Described portable terminal is replied described payment affirmation solicited message according to the voice suggestion of payment platform;
The payment affirmation information of described payment platform after to described replying is handled the generation payment information, and this payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
12. method according to claim 10, its step comprises:
Described portable terminal generates payment request information according to described merchant information, and calls out described payment platform, and payment platform is given described payment platform with voice communication prompting portable terminal input payment request information;
Described payment platform is handled the generation payment information to described payment request information, and described payment information is passed to described merchant tenninal;
Described merchant tenninal generates transaction results information according to described payment information.
13. method according to claim 11 is characterized in that:
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal can be mobile phone;
Described merchant tenninal can be the POS machine;
Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
14. method according to claim 12 is characterized in that:
Described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal can be mobile phone;
Described merchant tenninal can be the POS machine;
Described merchant tenninal connects with described gateway and comprises: wired connection, wireless connections.
15. method according to claim 13, it is characterized in that described merchant tenninal includes according to the payment request information that mobile terminal user information generates: trade company number, the account No. of trade company, described merchant tenninal number of registration, Subscriber Number PID, Transaction Details.
16, method according to claim 13 is characterized in that, after the payment request information that described payment platform provides merchant tenninal is checked, calls out portable terminal, and requires portable terminal input validation information in the mode of voice.
17, method according to claim 16 is characterized in that, the payment affirmation information that described portable terminal is replied can be user cipher PIN.
18. method according to claim 14 is characterized in that, described portable terminal is according to the payment request information that merchant information generates, and includes trade company number, Subscriber Number PID, user's account No., user cipher PIN, Transaction Details.
19. method according to claim 18 is characterized in that, described Transaction Details can include dealing money, Transaction Identification Number.
20. method according to claim 14, it is characterized in that, described payment platform is in handling generation payment information process to described payment request information, can include payment platform voice requirement portable terminal and the payment request be confirmed portable terminal can be imported user cipher PIN and confirm.
21. a mobile terminal payment system comprises: gateway, portable terminal, payment platform; It is characterized in that also comprising: merchant tenninal; Described merchant tenninal and portable terminal connect with described gateway respectively, and described gateway connects with described payment platform; Wherein:
Described payment platform is: store the merchant information of described merchant tenninal and the payment platform of described mobile terminal user information;
Described portable terminal is: the portable terminal of communicating by letter that can comprise voice communication with described payment platform;
Described merchant tenninal comprises: cyclelog, keyboard, magnetic stripe card card reader, IC-card card reader, phone module, data module, mobile module, display unit, two audio-frequency generators, and link encryption module;
Described phone module inserts fixed-line telephone network, and described mobile module inserts mobile telephone network.
22. system according to claim 21 is characterized in that, described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
Described merchant tenninal is passed through self keyboard input Subscriber Number PID and transaction content, thereby generates trading information data, and sends this trading information data to described payment platform through fixed-line telephone network or mobile telephone network;
Payment platform is handled the trading information data of receiving, and calls out portable terminal, to its voice signal;
Portable terminal receives the voice signal that payment platform transmits, and replys voice signal and user cipher PIN to the payment platform transmission;
Payment platform to receive reply voice signal and user cipher PIN handles, and transmit the payment information data and give merchant tenninal.
23. system according to claim 21 is characterized in that, described merchant information can comprise: trade company number, the account No. of trade company, described merchant tenninal number of registration;
Described mobile terminal user information can comprise: Subscriber Number PID, user cipher PIN, user's account No., described mobile terminal number;
Described portable terminal is meant: the portable terminal with mobile module;
The mobile terminal calling payment platform, and transmit voice signal and the user cipher PIN comprise Transaction Information to payment platform;
Payment platform is handled receiving voice signal and user cipher PIN, and calls out merchant tenninal, transmits payment information to it;
Described merchant tenninal receives described payment information by fixed-line telephone network or mobile telephone network, and payment information is handled.
24., it is characterized in that described portable terminal comprises according to claim 21 or 22 or 23 described systems: mobile phone, have mobile module PDA, have the laptop computer of mobile module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA031408028A CN1479551A (en) | 2003-06-03 | 2003-06-03 | Method of mobile terminal payment and its system |
Applications Claiming Priority (1)
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1731807B (en) * | 2005-09-06 | 2010-09-22 | 北京中科汇软科技有限公司 | Method for carrying out voice payment via wireless terminal |
| CN102622828A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
| CN103020820A (en) * | 2011-09-20 | 2013-04-03 | 深圳市财付通科技有限公司 | Transaction payment method and system |
| CN101399569B (en) * | 2007-09-30 | 2013-07-03 | 联想(北京)有限公司 | Method and system for using mobile terminal as input device of computer |
| CN104102993A (en) * | 2013-04-02 | 2014-10-15 | 北京中广恒通科技有限公司 | Audio-based mobile near field payment system and communication technology |
| CN104753868A (en) * | 2013-12-30 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Safety verification method, service server and safety verification system |
| CN107688931A (en) * | 2016-12-30 | 2018-02-13 | 平安科技（深圳）有限公司 | Premium method of payment and device |
-
2003
- 2003-06-03 CN CNA031408028A patent/CN1479551A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1731807B (en) * | 2005-09-06 | 2010-09-22 | 北京中科汇软科技有限公司 | Method for carrying out voice payment via wireless terminal |
| CN101399569B (en) * | 2007-09-30 | 2013-07-03 | 联想(北京)有限公司 | Method and system for using mobile terminal as input device of computer |
| CN102622828A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
| CN103020820A (en) * | 2011-09-20 | 2013-04-03 | 深圳市财付通科技有限公司 | Transaction payment method and system |
| CN104102993A (en) * | 2013-04-02 | 2014-10-15 | 北京中广恒通科技有限公司 | Audio-based mobile near field payment system and communication technology |
| CN104753868A (en) * | 2013-12-30 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Safety verification method, service server and safety verification system |
| CN107688931A (en) * | 2016-12-30 | 2018-02-13 | 平安科技（深圳）有限公司 | Premium method of payment and device |
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