CN1658203A - Method for implementing mobile electronic business - Google Patents
Method for implementing mobile electronic business Download PDFInfo
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- CN1658203A CN1658203A CN 200410005769 CN200410005769A CN1658203A CN 1658203 A CN1658203 A CN 1658203A CN 200410005769 CN200410005769 CN 200410005769 CN 200410005769 A CN200410005769 A CN 200410005769A CN 1658203 A CN1658203 A CN 1658203A
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Abstract
This invention discloses a mobile electronic business. Different from traditional E-business which client paid the money passively, the invention can make client paid actively. The user can acquire product information via internet or advertisement and send business information to mobile sever by cell phone. And he can actively offer the paying request, which includes goods, the goods supplier and the amount. Before this, there is no connection between the customer and the goods supplier. The mobile paying service compares the mobile phone number and the reserved accountant information, and then it sends the information to supplier. After checking the information, the supplier sends information to the customer and the mobile paying server, finishing the transaction. The mobile server deducts the corresponding amount in the customer's accountant, and the accountant can be the bank accountant and the prepayment accountant.
Description
Technical field
The present invention discloses a kind of implementation method of mobile e-business.
Background technology
Until calendar year 2001, ecommerce is carried out in China and is carried out for some time, is restricted but problems such as means of payment, user's use habit make ecommerce carry out from the rise of Internet.Mobile e-business is also progressively risen, but is subjected to the puzzlement of these problems too.
In China, during the last implement business EC of Internet, using maximum is bank card payment such as China Merchants Bank's multifunctional network.Figure one is a typical flow.This kind method has following characteristics:
● the request of withholing is initiated by commodity provider (hereinafter to be referred as trade company), bank's acknowledges requests.
● in the payment process, the user need input the card number and the password of account No..
● the user connects to using between the bank to encrypt, and uses the SSL of Internet WWW browser to encrypt usually.There are some unfavorable factors in above method:
● need or use client certificate to discern the user with account No. and password.
● the request of withholing is initiated by trade company, and the user does not understand middle program, forms mental handicape easily.
● in the payment process, require the user to input account No. and password.Because most of user is not a skilled practitioner,
Though network uses encryption technologies such as SSL, still may there be mental handicape in user psychology, and abandons using.
Simultaneously, the implementation method of this type of ecommerce, the user must use a computer and finish, and computing machine must link to each other with Internet, has also limited its usable range to a certain extent.And in China, the cellphone subscriber has surpassed 100,000,000, and they a lot of people do not have computing machine, do not go up Internet yet.
Based on the ecommerce class business of China Mobile's communication network China also carry out limited.
Operator of China Mobile comprises China Mobile and CHINAUNICOM.Wherein, China Mobile is the GSM network, and CHINAUNICOM is the GSM+CDMA network.Be different from former analogue mobile phone, GSM and CDMA are digital mobile system, have tight security, also do not occur the situation that mobile phone is replicated at present.Behind GSM and the CDMA mobile phone power-on, must be through mobile network appliance (HLR, authentication AUC).Therefore subscriber phone number identifying user safely.
Before 2000, the network of China Mobile and CHINAUNICOM all seals.The mobile network can only be used to make a phone call and send SMS message.Beginning in 2000, China Mobile and CHINAUNICOM have successively implemented mobile mobile dream network and Online Unicom's plan, make ICP (Internet Content Provider) and SP (Service Provider) can meet the people mobile network, the user can enjoy more service, obtains more information.Open plan by such can provide service:
1) info class service
Based on the information on demand service on the SMS platform, as news, information such as weather forecast.
2) communication class service
The SMS platform that SP utilizes group of China Mobile for the user provide such as communication services such as E-MAIL notice, E-MAIL.
3) commercial class service
The mobile e-business service comprises online application such as trade and shopping payment.
4) amusement class service
Comprise various recreation and picture, music download etc.
5) special service class service
As advertisement, location-based service etc.
For commercial class service, have only Shenzhen to be displaced into and released " mobile-phone payment " business in October, 2000, the user only need have the SIM card of the support STK technology of a new edition, utilize " financing is logical " service of Global Link mobile phone, select " mobile-phone payment " column, input order number, the amount of money of doing shopping, the password of withdrawing the money, Payment Request, form with short message sends to bank, after bank examines, remits money, the information of Transaction Success just feeds back to market, user place through the mobile network immediately, and shopping clearing are so far all finished, and whole process only needs 5 minutes.But this business can only with the combination of POS machine, replace bank card on POS, to do shopping at ordinary times.
The business relevant with mobile phone in China also has " moving/Mobile banking " and " moves/the mobile phone security." this type of business belongs to the extension of bank individual finance services on mobile phone.It is domestic, and to comprise managements of personal money such as mobile phone account query, mobile phone account transfer, self-help charging domestic.
China Merchants Bank opens " Mobile banking " service in Shenzhen in March, 2000, thereafter in Beijing, Shanghai, etc. ground promote." Mobile banking " that China Merchants Bank releases, China Merchants Bank's " all-purpose card ", bankbook or card holder all can use, and " account query ", " account transfer ", " paying the fees ", " security service ", " dealing of personal foreign exchange's firm offer ", " financing secretary " and multiple financing functions such as " account managements " are provided.At the bottom of calendar year 2001, in Beijing, ground such as Shanghai, Guangzhou, Shenzhen, Hangzhou, Nanjing, Wuhan, Shenyang, Chengdu, Chongqing, Xi'an, Lanzhou, Dalian, Qingdao, Tianjin, Foochow, Changsha, Nanchang, Dandong, Yichang, Huangshi, Wenzhou, Ningbo, Suzhou, Wuxi is open-minded.
Bank of China has also opened " Mobile banking " management of personal money service, realizes functions such as account transfer between account information inquiry, deposit account, the account transfer of silver card, stock jobbery, individual firm offer foreign exchange trading, bill payment, financial information inquiry.
All the other also have the National Industrial and Commercial Bank of China and China Construction Bank also to open similar service.
Summary of the invention
The present invention proposes a kind of implementation method of mobile e-business, ecommerce can be carried out in a wider context, eliminates some users' doubt simultaneously again.It is characterized in that comprising following steps:
Realize user account number in advance, this account number can be account No. (comprising Unionpay's account number), pre-payment account number, mobile phone charge account number.This account number is by being provided with and the phone number correspondence.
The user can comprise that Internet browses, television advertising, outdoor advertising, SMS (short message service) etc. from obtaining merchandise news Anywhere.This information contains merchant information (code), commodity price, transaction ID (optional).
The user initiates transaction request for the mobile e-business gateway, requires to give trade company from the account number defrayment.
The mobile e-business gateway is determined user account number according to the subscriber phone number analysis that the mobile network provides.If the enough amount of money is arranged, then send transaction request to trade company, the amount of money, transaction ID are judged by trade company, as unanimity, recorded information produces transaction, and return message is given mobile e-business gateway and user.
Mobile e-business gateway button account, record, and return Transaction Information and give the user.
Because use above scheme, the user can clearly know whole process of exchange.Trading range expands to beyond the Internet simultaneously, and the realization mobile phone is paid at any time.Figure two is flow processs of this scheme.
Description of drawings
Referring to Figure of description
Embodiment
Below by concrete example and flow process enforcement of the present invention is further described.
The industry existing systems of introducing previously and professional or be the extension of POS on mobile phone, or be the extension of bank individual financing on mobile phone, a lot of restrictions are arranged.Shenzhen the mobile-phone payment that provides is provided can only be used in the trade company that the POS machine is arranged, and has limited usable range.Mobile banking then is mutual between mobile phone and the bank completely, does not relate to electronic transaction.
The present invention then is with the operation flow combination of mobile network's characteristic and ecommerce, solves security problems cleverly, pays whenever and wherever possible by mobile phone, realizes mobile e-business.For the user provide greatly/small amount payment, in-store shopping, shopping at network, mobile ticket service, mobile phone pay multiple services such as service fee, outdoor automatic vending machine shopping.The present invention has realized the mobile e-business gateway by SMS or WAP, forms mobile e-business system.
The mobile e-business gateway is that principal feature and function are: the leading subscriber account, be responsible for transaction payment association process, user and trade company's management, and as the intermediate link of keeping accounts, guarantee that whole mobile e-business system effectively operates.User account herein comprises mobile payment account of bank and the special family of mobile payment that can supplement with money.Thereby by this invention, mobile phone has just become the telepilot of mobile electron wallet (account), uses for the user at any time.
Figure three is schematic flow sheets of the present invention.
The user can obtain merchandise news from various channels, as television advertising, outdoor advertising, automatic vending machine prompting, shopping at network prompting etc.Initiate transaction request then, this request sends to the mobile e-business gateway.Solicited message comprises the transaction ID that merchant information, amount information and trade company provide.
User's request arrives the mobile e-business gateway by wireless network.
The mobile e-business gateway is checked user profile, the identification user, as do not open then refusal of this service.
The mobile e-business gateway is checked merchant information, as trade company not do not exist or merchant information wrong, then return error message and give the user, the transaction cancellation.
Search user account information, judge the amount of money whether enough payments are arranged on the user account, if the account deficiency is then returned error message and given the user, the transaction cancellation.If the enough amount of money is arranged, then the mobile e-business gateway sends the commodity transaction request to corresponding trade company.
After trade company is subjected to information, handle the insider transaction process, and send transaction information to the mobile e-business gateway.
After the mobile e-business gateway is received the information that trade company returns, judge whether success of transaction.If failure is returned error message and is given the user, the transaction cancellation.
The corresponding amount of money on the mobile e-business gateway deduction user account, and record in addition, this record can offer user inquiring.
The mobile e-business gateway sends Transaction Success information to wireless network.
The user receives the transaction return message, and transaction is finished.
Security of system: the security of system of this invention relates to terminal (mobile phone) side, mobile e-business gateway, account number side, and trade company's side.Security of system adopts many places of safety or End to End Encryption method, and both can use jointly.
For end side, because mobile phone is " telepilot " of electronic account, the direct information that does not wherein contain any account number, system is by phone number and electronics account number correspondence, the authentication of terminal is by means of the authentication (HLR and AUC to the authentication of mobile phone) of mobile network to mobile phone, therefore do not need to import the information of any account number on the mobile phone, the user does not worry that account number cipher leaks.What mobile phone will be taken precautions against is to allow peripheral personnel arbitrarily use, and this time adds that by request the password of oneself setting in advance realizes.
For the mobile e-business gateway side, the mobile e-business gateway can be connected by special line or in-house network with mobile network's (SMS or WAP gateway), avoids information to transmit on network.
For electronics account number side, use the private line access and the RSA of industry maturation, cryptographic algorithm such as DES can be used redundancy, the disaster tolerance system of industry maturation for the special family of mobile payment, guarantee the reliability of account number.
For trade company's side, adopt contracting method, adopt special line for competent trade company, guarantee security from Physical layer.For the unallowed user of condition, use Internet to connect, but use the VPN that encrypts or use HTTP network to connect, and trade company is authenticated on software protocol based on SSL safety.
The End to End Encryption method can use mobile network's SAT (SIM card application toolkit) to use the realization End to End Encryption.After using the SAT technology, the transaction request information via SIM card that mobile phone sends is encrypted, and sends to the mobile e-business gateway then, and the entire process procedural information has only to end for process and just deciphers through encrypting, effectively the confidentiality in the guarantee information transmittance process.Use End to End Encryption, the user need arrive mobile operator and exchange a SIM card of supporting the STK business there for.
Claims (2)
1, a kind of mobile e-business implementation method is characterized in that comprising following steps:
1) realize user account number in advance, this account number can be account No. (comprising Unionpay's account number), pre-payment account number, mobile phone charge account number.This account number is by being provided with and the phone number correspondence.
2) user can comprise that Internet browses, television advertising, outdoor advertising, SMS (short message service) etc. from obtaining merchandise news Anywhere.This information contains merchant information (code), commodity price, transaction ID (optional).
3) user initiates transaction request for the mobile e-business gateway, requires to give trade company from the account number defrayment.
4) the mobile e-business gateway is determined user account number according to the subscriber phone number analysis that the mobile network provides.If the enough amount of money is arranged, then send transaction request to trade company, the amount of money, transaction ID are judged by trade company, as unanimity, recorded information produces transaction, and return message is given mobile e-business gateway and user.
5) mobile e-business gateway button account, record, and return Transaction Information and give the user.
Above step realizes by the mobile e-business gateway.
2, mobile e-business implementation method as claimed in claim 1, it is characterized in that: transaction request is initiated by the user, and the request of withholing is initiated by the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410005769 CN1658203A (en) | 2004-02-22 | 2004-02-22 | Method for implementing mobile electronic business |
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| Application Number | Priority Date | Filing Date | Title |
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| CN 200410005769 CN1658203A (en) | 2004-02-22 | 2004-02-22 | Method for implementing mobile electronic business |
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| CN1658203A true CN1658203A (en) | 2005-08-24 |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007071157A1 (en) * | 2005-12-22 | 2007-06-28 | Yan Han | A recognition method for electronic payment and id authentication terminal and atm |
| WO2007118428A1 (en) * | 2006-04-14 | 2007-10-25 | Wanchun Hou | Safety, Password-free electronic transfer service device and transfer card and method therefor |
| CN101883242A (en) * | 2010-06-17 | 2010-11-10 | 宇龙计算机通信科技(深圳)有限公司 | Digital television service activating method, terminal, server and system |
| CN101420311B (en) * | 2008-11-28 | 2011-10-05 | 中国移动通信集团四川有限公司 | Gateway system for telecommunication stage payment and settlement |
| CN102609837A (en) * | 2012-01-21 | 2012-07-25 | 伯泰雄森（北京）网络科技有限公司 | Payment method and payment system based on correlated specific information and terminal number |
| CN101923753B (en) * | 2009-06-10 | 2012-09-05 | 中国联合网络通信集团有限公司 | System and method for managing electronic currency |
| WO2012129865A1 (en) * | 2011-03-31 | 2012-10-04 | 中兴通讯股份有限公司 | Application store system and method for implement in application purchase function |
| WO2013178080A1 (en) * | 2012-05-31 | 2013-12-05 | 中国银联股份有限公司 | Security information exchange system, device, and method |
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
| WO2014176749A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, device, server, and system for making payment with a messaging application on a mobile device |
-
2004
- 2004-02-22 CN CN 200410005769 patent/CN1658203A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007071157A1 (en) * | 2005-12-22 | 2007-06-28 | Yan Han | A recognition method for electronic payment and id authentication terminal and atm |
| WO2007118428A1 (en) * | 2006-04-14 | 2007-10-25 | Wanchun Hou | Safety, Password-free electronic transfer service device and transfer card and method therefor |
| CN101420311B (en) * | 2008-11-28 | 2011-10-05 | 中国移动通信集团四川有限公司 | Gateway system for telecommunication stage payment and settlement |
| CN101923753B (en) * | 2009-06-10 | 2012-09-05 | 中国联合网络通信集团有限公司 | System and method for managing electronic currency |
| CN101883242A (en) * | 2010-06-17 | 2010-11-10 | 宇龙计算机通信科技(深圳)有限公司 | Digital television service activating method, terminal, server and system |
| WO2012129865A1 (en) * | 2011-03-31 | 2012-10-04 | 中兴通讯股份有限公司 | Application store system and method for implement in application purchase function |
| CN102609837A (en) * | 2012-01-21 | 2012-07-25 | 伯泰雄森（北京）网络科技有限公司 | Payment method and payment system based on correlated specific information and terminal number |
| WO2013178080A1 (en) * | 2012-05-31 | 2013-12-05 | 中国银联股份有限公司 | Security information exchange system, device, and method |
| CN103457728A (en) * | 2012-05-31 | 2013-12-18 | 中国银联股份有限公司 | Safety information interaction system, device and method |
| CN103457728B (en) * | 2012-05-31 | 2016-12-14 | 中国银联股份有限公司 | Security information interaction system, Apparatus and method for |
| WO2014176749A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, device, server, and system for making payment with a messaging application on a mobile device |
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
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