CN1555179A - Cell phone payment system - Google Patents
Cell phone payment system Download PDFInfo
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- CN1555179A CN1555179A CNA2003101129416A CN200310112941A CN1555179A CN 1555179 A CN1555179 A CN 1555179A CN A2003101129416 A CNA2003101129416 A CN A2003101129416A CN 200310112941 A CN200310112941 A CN 200310112941A CN 1555179 A CN1555179 A CN 1555179A
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Abstract
This invention discloses a hand call payment system. A hand call is connected to a payment gate by SMS, USSD and GPRS. The payment gate is connected with an account system bound with a hand call number and an applied gate which can be connected with more applications. The payment gate controls the interactive process of business information and payment information with the hand call. If necessary, it is connected to the account system to deal with payment and inputs ciphered code and certified code.
Description
Invention field
The invention belongs to the valued added applications process field of mobile phone.
Background of invention
Present mobile-phone payment mode has bigger limitation, and use is convenient inadequately.So the present invention proposes the problem that a kind of new method solves mobile-phone payment.
Present mobile-phone payment is taked dual mode more: a kind of is to take STK (SIM card kit, SIMTOOL KIT) technology, and the SIM card (Global Link cellphone subscriber's card) that needs to change mobile phone is supported the STK technology; A kind of is to take WAP (WIRELESS ACCESS PROTOCOL agreement, a kind of agreement of supporting surfing Internet with cell phone) mode, carries out online payment.This dual mode all has bigger limitation, and use is convenient inadequately.
Take STK (SIM card kit, SIM TOOL KIT) technology, can solve the safety problem of payment, but following defective is arranged:
● the SIM that need more renew (Global Link cellphone subscriber's card) card;
● need and the mobile operator cooperation, can in cellphone subscriber's card, write the security information of application;
● expand new application, need to rewrite SIM (Global Link cellphone subscriber's card) card, promptly use to mobile phone again
Write the security information of application in the card of family;
● same SIM (Global Link cellphone subscriber's card) card is difficult to support the coordination of a plurality of application.
Based on this, mobile phone takes the payment of STK technology to be difficult to promote, and being difficult in conjunction with how tame application service provider, has influenced the popularity and the adaptability of its application in conjunction with how tame bank.
How take WAP (WIRELESS ACCESS PROTOCOL agreement, a kind of agreement of supporting surfing Internet with cell phone) payment? the WAP technology---use surfing Internet with cell phone need change the mobile phone of supporting the WAP function, this is extremely difficult for the user promotes.WAP surfing Internet with cell phone technology ends in failure at present, and natural WAP payment has not just been known where to begin.
The above means of payment all is to go to consider to solve the security of payment problem from the angle of technology as much as possible, much is not easy the requirement that realizes but mobile phone itself and environment for use brought; If can be in conjunction with the characteristics of mobile phone, from the scope of mobile-phone payment application itself, the pure technological means that weakens be constructed solution with limiting occupation mode and use, may bring into play the mobile phone advantage better, the carrying out of promotion business.
The present invention is just from the characteristics of mobile phone own, constructs the technological system of solution and occupation mode.
Summary of the invention
The invention discloses a kind of system of mobile-phone payment.
Hand call payment system of the present invention comprises: payment gateway, application gateway and the account number system of binding with the mobile phone feature.Referring to Fig. 1, wherein:
● payment gateway, be used for being connected with account number system with application gateway, and by short message, USSD
The mode of super short message or GPRS connects mobile phone, decomposes and transmission payment information and application merchant
Affair information.
● application gateway, connect payment gateway, handle the information of different application, and with different
Application system connects, and manages different application.
● the account number system with the binding of mobile phone feature, be characterized as identifying information with mobile phone, handle the money of account number
Gold payment, and being combined as with confirmation code and answer back code between the mobile phone according to paying.Payment gateway is by short message, the super short message of USSD, mode and mobile communications such as GPRS.Different processing modes, process information is mutual in the corresponding way.No matter be payment information, always or application message be input to payment gateway earlier, after payment gateway is judged, pass to account number system and application gateway.About the processing of payment, by account number system and payment gateway together, the prompting of operating helps, and finishes function corresponding, comprising:
● operate help, with short message, USSD, modes such as GPRS are carried out.
● query the balance;
● payment processes;
● change password, forbid/open mobile-phone payment, remaining sum is handled;
● report the loss/separate extension;
● result notification, all notify the cellphone subscriber to the change that account number is any in the mode of short message.These are handled all is based on mobile phone feature and confirmation code, answer back code, need not import the account number number.
No matter use this system in which way, at first native system all has corresponding operation to help, and makes according to operation indicating, can carry out all business.
Finish commercial matters information when mobile phone and pay alternately when handling, application system is issued payment gateway by application gateway, and and then send to m-commerce confirmation and confirmation code; The cellphone subscriber carries out computing to confirmation code and account number cipher and obtains the echo reply sign indicating number.Very simple algorithm is set in this computing, all is 6 figure places such as confirmation code and password, and unit numbers is got in each corresponding digital addition, as the numeral of the figure place of the correspondence of echo reply sign indicating number.The user imports answer back code as the affirmation to commercial act and payment behavior, and account number system obtains amount information, confirmation code information and the echo reply sign indicating number information that payment gateway was handled from payment gateway like this.Account number system is according to these information and be stored in password in the database, just can determine the echo reply sign indicating number to mistake, thereby confirm the correctness paid.This mode, to the user and the application system of making peace, the behavior of will paying is related with commercial act, and also equaling has had simple participation to confirm to a payment events.
Use the mobile phone operation of binding account number, the input account number cipher promptly can be inquired about the account number remaining sum, can change password, can forbid and open payment processes; Can carry out remaining sum handles: return other bank's primary account number, perhaps shift to mobile phone dashes value and pay dues, or the like.
Report the loss, use any mobile phone can both report the loss the mobile phone account number of appointment, can separate extension at any time but this mobile phone adds correct password.
Application gateway connects payment gateway and different application systems.The information interaction of processing and different application systems, telecommunication management, accounting management etc., the system as backup and neutrality provides third-party notarization service for application system simultaneously.Such as, buy lottery ticket, in application gateway, preserve the record that a lottery ticket is bought, can inquire about or the like at any time, can arbitrarily not change the lottery ticket purchaser record with the application system that guarantees lottery ticket sales.
Account number system with the binding of mobile phone feature.This system can be independently a credit and a fund management system, also can be an attached account number system of bank's primary account number.Its basic part is with believable channel and some mobile phone characteristic informations, such as having set up corresponding relation with the Mobile Subscriber International ISDN Number of mobile phone, and finished the setting of account number cipher simultaneously.
The payment rule of account default oneself comprises: the frequency of payment, scope and use characteristic, such as the moon amount paid be no more than 3000 yuan; 200 yuan do not access to your password or the like with interior payment.
Hand call payment system of the present invention need not be changed the SIM card of mobile phone, can limit its occupation mode and scope, does not have the participation of bank's primary account number information, and adaptability and use occasion are widely arranged; Can solve a large amount of payment needs of people easily.
The annex explanation
Fig. 1 hand call payment system configuration diagram of the present invention.
Fig. 2 mobile phone short message lottery system diagrammatic sketch.
Specific embodiment
Referring to Fig. 1 hand call payment system configuration diagram of the present invention.
Do some explanations earlier:
The account number system of of the present invention and mobile phone characteristic information binding can be the attached account number of bank's primary account number, also can be Account Administration system independently.
If the attached account number of bank's primary account number, then can adopt following mode to set up and the getting in touch of mobile phone characteristic information:
● Web bank is signatory;
● telephone bank is signatory;
● the site is signatory;
● ATM is signatory.
If Account Administration system independently then uses method of remittance, the perhaps mode of account transfer/wire transfer is set up and the getting in touch of mobile phone characteristic information.
No matter be which type of Account Administration system, some top processing are not the scope that the present invention relates to, and what the present invention paid close attention to is to have set up with the mobile phone characteristic information to bind the payment processes of later Account Administration system and other relevant function treatment.
A preferred embodiment of the present invention is to buy the treatment system of lottery ticket by mobile phone short message.Referring to Fig. 2.
Payment gateway is connected with mobile phone by short message, by data telecommunication line, is connected with lottery sale system with banking system in the mode of TCP/IP; There has been the account number of binding in the banking system, has been attached to the primary account number of certain bank card with the mobile phone characteristic information.
The lottery ticket purchase process of present embodiment is as follows:
The ■ cellphone subscriber number sends short message to the SMS (Short Message Service) of payment gateway, the guide information of query manipulation, and carry out follow-up operation according to guide.
The ■ cellphone subscriber is with the mode of short message coding, the lottery combination that input will be bought.Payment gateway is transmitted to application gateway and and then is forwarded to lottery sale system.
The inventory information of ■ lottery sale system feedback lottery ticket, and additional confirmation code.
The ■ payment gateway is when decomposed information, and record lottery ticket amount of money data and confirmation code pass to mobile phone with lottery combination information and amount information and confirmation code then.
The ■ cellphone subscriber obtains the lottery ticket feedback information, to the amount of money and stake validation of information errorless after, the corresponding position addition of the account number cipher that oneself is born in mind and confirmation code is got a result of position as the echo reply sign indicating number, passes to payment gateway in the mode of short message.
The ■ payment gateway is with amount information, confirmation code, echo reply sign indicating number, and mobile phone characteristic information (MSISDN of mobile phone) passes to banking system; Banking system is according to mobile phone characteristic information (MSISDN of mobile phone), confirmation code, answer back code, amount information, handle with the contrast of system canned data, confirm the correctness of answer back code, what of the amount of money, whether definite mandate, and result is passed to lottery sale system by payment gateway.Payment gateway passes to user mobile phone with payment authorization information simultaneously.
The ■ lottery sale system is finally confirmed the success or not that lottery ticket is bought according to the payment result that payment gateway returns, and gives the cellphone subscriber by the lottery ticket purchaser record of application gateway and the corresponding wounded ticket marketing system digital signature of payment gateway transmission.In application gateway, can keep a record, simultaneously so that the user inquires about at any time and notarizes.
In the above process, all being with the mobile phone characteristic information, is parameter such as phone number: MSISDN, and this parameter is to be difficult to forge imitation in present mobile communication.
In addition, payment gateway also provides other processing capacity, comprising:
● operate help, cease the operation in each step with the short message SMS Tip.
● query the balance, inquire about remaining sum of related primary account number or the like.
● change password, forbid/open mobile-phone payment, have correct password input to get final product.
● report the loss/separate extension;
● result notification, all notify the cellphone subscriber to the change that account number is any in the mode of short message.
In the processing of account number, can formulate the restrictive rule of payment, such as: limit: 3000 yuan/month; 3 mistakes of password are forbidden mobile-phone payment, or the like.
The present invention mainly is the enforcement of software systems, and the function of finishing design under framework of the present invention gets final product.
Claims (3)
1. hand call payment system, it is characterized in that: described hand call payment system comprises payment gateway, application gateway and with the account number system of mobile phone feature binding.Wherein:
● payment gateway, be used for being connected with account number system, and by short message, the mode of super short message of USSD or GPRS connects mobile phone with application gateway, decompose and transmission payment information and application commercial matters information.
● application gateway, connect payment gateway, handle the information of different application, and connect with different application system, manage different application.
● the account number system with the binding of mobile phone feature, be characterized as identifying information with mobile phone, handle the payment funding of account number, and being combined as according to paying with confirmation code and answer back code between the mobile phone.
2. hand call payment system according to claim 1 is characterized in that: payment gateway mainly is the shunting of handling payment information and commercial matters information, and solves the processing capacity of account number system emphatically, and comprising: the delivery operation guide queries the balance; Payment processes; Change password; Open/forbid account transfer; Remaining sum is handled; Account number is reported the loss; Transaction notification or the like.
3. hand call payment system according to claim 1, it is characterized in that: in the process of handling payment, application system sends information such as confirmation code to mobile phone by application gateway, the cellphone subscriber is according to confirmation code, provide response message with the account number cipher computing, account number system is discerned user identity and its affirmation to this payment events according to the combination of confirmation code and answer back code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2003101129416A CN1555179A (en) | 2003-12-26 | 2003-12-26 | Cell phone payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2003101129416A CN1555179A (en) | 2003-12-26 | 2003-12-26 | Cell phone payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1555179A true CN1555179A (en) | 2004-12-15 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2003101129416A Pending CN1555179A (en) | 2003-12-26 | 2003-12-26 | Cell phone payment system |
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| CN (1) | CN1555179A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101383018B (en) * | 2007-09-04 | 2011-11-09 | 上海瀚银信息技术有限公司 | Method for implementing non-contact payment based on intelligent storage card and mobile phone |
| CN102447699A (en) * | 2011-11-29 | 2012-05-09 | 中福在线投资有限公司 | Safe transaction method for mobile Internet lottery based on hardware information |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
| CN101611419B (en) * | 2006-12-15 | 2013-07-03 | 莫比尔斯堪的纳维亚公司 | Method and apparatus for creating and sending a code grid to a portable communication device |
-
2003
- 2003-12-26 CN CNA2003101129416A patent/CN1555179A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101611419B (en) * | 2006-12-15 | 2013-07-03 | 莫比尔斯堪的纳维亚公司 | Method and apparatus for creating and sending a code grid to a portable communication device |
| CN101383018B (en) * | 2007-09-04 | 2011-11-09 | 上海瀚银信息技术有限公司 | Method for implementing non-contact payment based on intelligent storage card and mobile phone |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
| CN102571156B (en) * | 2010-12-31 | 2015-05-27 | 吴东辉 | Short-distance identification methodfor mobile terminal |
| CN102447699A (en) * | 2011-11-29 | 2012-05-09 | 中福在线投资有限公司 | Safe transaction method for mobile Internet lottery based on hardware information |
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