CN1667632A - Method of mobile payment based on payment confirmation codes - Google Patents
Method of mobile payment based on payment confirmation codes Download PDFInfo
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- CN1667632A CN1667632A CNA2005100683841A CN200510068384A CN1667632A CN 1667632 A CN1667632 A CN 1667632A CN A2005100683841 A CNA2005100683841 A CN A2005100683841A CN 200510068384 A CN200510068384 A CN 200510068384A CN 1667632 A CN1667632 A CN 1667632A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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Abstract
The invention relates to a mobile payment method that is based on payment confirming code. The method consists of storing user information that at least contains user name to a payment platform, which allocates virtual card number to every user of storage, payer conveying itself virtual card number, payee virtual card number and volume of trade information to said payment platform, said payment platform producing payment confirming code and sending the payment confirming code, payee user name and volume of trade to payer, payer informing payee of payment confirming code, said payee sending its virtual card number, payer's virtual card number or said payment confirming code to said payment platform, payment platform feeding back information of successful transaction to said payer.
Description
Technical field
The present invention relates to radio communication and Internet communication technology, with radio communication, network service and the payment technology that banking, market business combine, is a kind of method of mobile payment based on payment confirmation codes concretely particularly.
Background technology
Along with the continuous development of wireless communication technology, the network communications technology, the method for mobile payment and online payment is occurred, and these modern modes of payments also exist many drawbacks when offering convenience for the user.Mobile payment of the prior art or online payment, often need be with the account No. (depositor's account number, credit number etc.) of payer direct foundation as payment, so in when payment, described account No. just can be between payer and beneficiary, and transmits between beneficiary and the bank; In such transmission, often the leakage because of account No. causes damage to the party.
In addition, the payment affirmation problem also fails to be well solved in the prior art, because in mobile payment or online payment, payer and beneficiary are in the strange land usually, so no matter be pre-paid, or all there is the problem of payment affirmation in delivery on arrival.
Chinese invention patent application 03140309.3 discloses a kind of " prepaying deposit is paid remaining payment for goods by password confirming with mobile phone when deliver goods method ".In the method, the orderer informs information such as the unit of selling goods oneself bank account or bank's card number behind the unit's of selling goods indent goods; After goods arrived, the orderer utilized mobile phone to input a password to confirm to bank.This password is the unique password of user and bank's agreement, needs the user artificial memory.As seen, this method has followed account No. (bank account or bank's card number) with payer as the means of the direct foundation of payment, has also solved the problem of confirming to a certain extent.But the affirmation here only is the affirmation of paying party to bank, and beneficiary can't obtain the payment affirmation of paying party.The described in addition password that is used for payment affirmation is the unique password that needs memory, so in use exist the problem of easy leakage equally.
Summary of the invention
The objective of the invention is to, a kind of method of mobile payment based on payment confirmation codes is provided,, make the convenient and safety of payment in order to change the direct foundation of account No. (bank account or bank's card number) the conduct payment of adopting payer; And solution payment affirmation problem.
Technical scheme of the present invention is: a kind of method of mobile payment based on payment confirmation codes may further comprise the steps:
Deposit the user profile that comprises user name and user's mobile communication number at least in a payment platform, this payment platform distributes a virtual card number for the user of each storage, virtual card number is related with one or more mobile communication numbers, and virtual card number and associated mobile communication number are equal in payment process fully;
When paying transaction between the described user,
Paying party sends self virtual card number, the virtual card number of beneficiary, dealing money information to described payment platform;
Described payment platform generates a payment confirmation codes;
Described payment platform sends described payment confirmation codes, beneficiary user name, dealing money to described paying party;
Described paying party sends described payment confirmation codes to described beneficiary;
Described beneficiary sends the virtual card number of self or the virtual card number and the described payment confirmation codes of paying party to described payment platform;
Described payment platform is to described beneficiary feedback trading successful information.
Described user comprises domestic consumer and trade company; Deposit the user profile that comprises domestic consumer's name and user's mobile communication number at least in described payment platform, this payment platform distributes the virtual card number of a domestic consumer for the domestic consumer of each storage; Deposit the user profile that comprises trade company's name at least in described payment platform, this payment platform distributes the virtual card number of a trade company for the trade company of each storage; When described domestic consumer pays the bill to described trade company, and when initiating payment transaction by paying party, paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money information to described payment platform; Described payment platform generates a payment confirmation codes; Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party; Described paying party sends described payment confirmation codes to described beneficiary; Described beneficiary sends the virtual card number of the trade company of self, the virtual card number of domestic consumer, dealing money and described payment confirmation codes to described payment platform; Described payment platform is to described paying party and beneficiary difference feedback trading successful information.
Described user comprises domestic consumer and trade company; Deposit the user profile that comprises domestic consumer's name and user's mobile communication number at least in described payment platform, this payment platform distributes the virtual card number of a domestic consumer for the domestic consumer of each storage; Deposit the user profile that comprises trade company's name at least in described payment platform, this payment platform distributes the virtual card number of a trade company for the trade company of each storage; When described domestic consumer pays the bill to described trade company, and when initiating payment transaction by beneficiary, beneficiary sends the virtual card number of the trade company of self, the virtual card number of domestic consumer, dealing money, order number to described payment platform; Described payment platform sends described trade company name, the virtual card number of trade company, dealing money, order number to described paying party; Paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money, order number, payment cipher information to described payment platform; Described payment platform generates a payment confirmation codes; Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party; Described paying party sends described payment confirmation codes to described beneficiary; Described beneficiary sends virtual card number of domestic consumer and described payment confirmation codes to described payment platform; Described payment platform is to described paying party and beneficiary difference feedback trading successful information.
Method of the present invention also comprises a receiving agent side; Deposit the information that comprises receiving agent's side communication number at least in described payment platform, when described domestic consumer pays the bill to described trade company, and when initiating payment transaction, the execution gathering of receiving agent side by beneficiary, beneficiary sends the virtual card number of the trade company of self, the virtual card number of domestic consumer, dealing money, order number to described payment platform; Described payment platform sends described trade company name, the virtual card number of trade company, dealing money, order number to described paying party; Paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money, order number, payment cipher information to described payment platform; Described payment platform generates a payment confirmation codes; Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party; Described paying party sends described payment confirmation codes to described receiving agent side; Described receiving agent side sends virtual card number of domestic consumer and described payment confirmation codes to described payment platform; Described payment platform is to described paying party and receiving agent side's difference feedback trading successful information.
Described user profile also comprises payment cipher, and paying party sends the virtual card number of self, virtual card number, dealing money information and the described payment cipher of beneficiary to described payment platform; Described payment platform needs described payment cipher is carried out checking treatment.
Described payment platform generates a payment confirmation codes and is meant: described payment platform generates payment confirmation codes by checking algorithm and random number.
Described paying party is the mobile communication terminal or the network terminal; Described beneficiary is the mobile communication terminal and/or the network terminal.
Described mobile communication terminal comprises: mobile phone, PDA, portable computer; The described network terminal comprises: PC, server.
Beneficial effect of the present invention is, by a kind of method of mobile payment based on payment confirmation codes is provided, transmit in network of relation with a virtual card number, changed the direct foundation of account No. (bank account or bank's card number) the conduct payment of adopting payer, make the convenient and safety of payment; Simultaneously generate payment confirmation codes at random by payment platform, and send payment confirmation codes to beneficiary by payer, the mode of transmission can be oral, written, email or computing machine input etc.Each password only uses once like this, does not have the problem of forgetting or leaking, and beneficiary obtains this payment confirmation codes and just can obtain the result that finishes of corresponding payment transaction from payment platform, thereby has solved the payment affirmation problem.
Description of drawings
Fig. 1 is used for the process flow diagram by paying party initiation payment of mobile payment for the present invention;
Fig. 2 is used for the process flow diagram of being paid and being confirmed by receiving agent side of mobile payment for the present invention;
Fig. 3 is used for the process flow diagram of online payment for invention;
Fig. 4 is the process flow diagram of payment confirmation codes generation of the present invention and verification;
Fig. 5 is used for the system architecture synoptic diagram of an embodiment of mobile payment for the present invention;
Fig. 6 the present invention is based on the draw bank interface synoptic diagram of the trade company of virtual card number to domestic consumer (B to C);
Fig. 7 the present invention is based on the draw bank interface synoptic diagram of the trade company of bank account to domestic consumer (B to C);
Fig. 8 the present invention is based on the draw bank interface synoptic diagram of the domestic consumer of virtual card number to domestic consumer (C to C).
Embodiment
Below, in conjunction with the accompanying drawings the present invention is carried out following detailed description.As shown in Figure 5, build the system that the present invention is used for mobile payment, wherein mobile communication terminal (mobile phone) is as paying party, and network computer connects by the banking system interface payment platform (mobile-payment system) as beneficiary with banking system.
One, the user registers the flow process of payment services
(1) domestic consumer's registering (use the virtual payment account to pay, need before the payment virtual payment account to be supplemented with money) from actual bank account;
A. input handset number and carry out the mobile phone checking, system produces virtual card number automatically;
B., payment cipher is set;
C. set the transaction security restriction (single Maximum Transaction Amount and daylight trading number of times etc.) of mobile-phone payment;
D. by bank's B to C payment gateway the virtual payment account is supplemented with money;
E. set the bank gathering account, so that the user can collect money in the CtoC transaction
(2) trade company's registering:
A. merchant identification authentication;
B. register the collecting account (bank is to public balance account) of trade company;
C. the initiation that will use for the trade company Net-connected computer application of collecting money and digital certificate is installed;
D. the user of networking payment application is provided with (user's registration, password/authority setting);
E. portable terminal registration (registration of gathering phone number).
(3) another domestic consumer's registering (paying from bank account in real time during payment):
A. input handset number and carry out the mobile phone checking, system produces virtual card number automatically;
B. correspondent bank card (registration bank card number, and the input bank card password of withdrawing the money is verified);
C., payment cipher is set;
D. set the transaction security restriction (single Maximum Transaction Amount and daylight trading number of times etc.) of mobile-phone payment.
Two, set up connecting of payment platform and banking system
(1) based on the B to C draw bank interface of virtual account
As shown in Figure 6, the account funds that shows the delivery operation correspondence flows to, and wherein, on behalf of personal account, B, C represent merchant account, P to represent payment services merchant (payment platform) account.The mutual relationship of delivery operation, bank interface and interface shape sees Table 1.
Table 1
Sequence number delivery operation bank interface interface shape
1 supplements bank net B2C payment gateway man-machine interface with money
2 virtual payments are never called bank interface----
The clearing of 3 trade companies are set carrying bank internal system between the public accounts family
(2) based on the B to C draw bank interface of bank account
As shown in Figure 7, the account funds that shows the delivery operation correspondence flows to, and wherein, on behalf of personal account, B, C represent merchant account, P to represent the balance account of payment services merchant (payment platform) in bank.The mutual relationship of delivery operation, bank interface and interface shape sees Table 2.
Table 2
Sequence number delivery operation bank interface interface shape
1 direct payment direct payment transaction interface transaction API
2 clearing are set carrying bank internal system between the public accounts family
(3) based on the B to C draw bank interface of bank account
As shown in Figure 8, the account funds that shows the delivery operation correspondence flows to, wherein, the balance account that on behalf of three different individuals' account, P, C1, C2, C3 represent payment services merchant (payment platform) to open in bank, on behalf of the payment services merchant, bank 3 do not have balance account.The mutual relationship of delivery operation, bank interface and interface shape sees Table 3.
Table 3
Sequence number delivery operation bank interface interface shape
1 supplements the bank net B2C payment gateway individual Net silver page with money
2 C1 pay the bill and never call bank interface----to C2
3 C2 withdraw deposit and withhold the Net silver page in batches
4 C1 pay the bill and never call bank interface----to C3
5 C3 withdraw deposit the inter-bank remittance to the public network silver page
Three, to the definition of general data
A. virtual card number: be the unique identification that payment system is distributed to the payment user, be character string, wherein will comprise check code.Virtual card number promptly can be used for paying the bill, and also can be used for collecting money.
B. the card number of paying the bill: refer to the employed virtual card number of paying party
C. the card number of collecting money: refer to the employed virtual card number of beneficiary
D. cell-phone number is confirmed in gathering: can collect money and confirm the phone number of operation.A virtual card number can specify a plurality of cell-phone numbers to confirm cell-phone number as gathering.
E. the role's of trade company virtual card number in trade company number: B2C or the B2B transaction.
F. payment confirmation codes: be the character string that payment system generates automatically.Payment confirmation codes can possess following characteristic: be the random number that it meets specific checking algorithm, payment system can pick out and whether comprise payment confirmation codes in the information of receiving like this, thereby whether the information of judging is the instruction of a payment affirmation.
Another optional attribute of payment confirmation codes is that it can satisfy a kind of checking algorithm with in the card number one or two of payment card number and gathering, and whether payment system can be judged a payment confirmation codes and mate with relevant payment card number like this.
In addition, payment system will guarantee character string necessary unique corresponding payment transaction in total system that " payment confirmation codes+payment card number+6 trade date " constitutes,
G. payment cipher: the password that paying party need use when being payment, the corresponding payment cipher of payment card number is set by user oneself.
Four, the explanation of payment process
Below the concrete use of method of mobile payment will be described from the information interactive process that the payment both sides are undertaken by payment platform.Because being mobile communication equipment (mobile phone etc.), note goes up the most general data communication mode of use, and note has non real-time, disconnected characteristics, can can connect by USSD, WAP or Internet basically by the information interaction that note is finished and realize, so we will be according to supporting way of short messages to define the exchanges data flow process in the payment process.From the Data Elements angle of transaction, the transaction data basically identical under the different communication mode.
Illustrated supplemental instruction:
Beneficiary, paying party refer to beneficiary and the paying party employed terminal of when operation of paying
Except clearly indicating receipt and payment side's terminal type, the terminal that can be understood as receipt and payment side both can be mobile phone (or other mobile communication equipment), also can be the computing machine of networking.
These data of data representation of band " * " do not need paying party or the input of beneficiary dominance ground, and payment system can obtain automatically.For example: comprised " payment card number * " in the information of sending by paying party, mean that then the gateway of payment system by mobile communications network can obtain sending the terminal number (as cell-phone number) of the mobile device of this information, thereby correspond to the payment card number by cell-phone number.
Embodiment 1
As shown in Figure 2, the payment process of confirming by the receiving agent (B to C cashes on delivery):
1) beneficiary is at first issued payment platform with bill information (payment card number, Payment Amount and order number).Bill information can be that paying party passes through the Advise By Wire paying party, also can be to produce automatically by shopping website.
2) payment platform will send name of firm, Payment Amount and the order number of collecting money and be dealt into paying party.
3) paying party is replied the 2nd information affix payment cipher received of step.This step can be to pay the bill to carry out just now under the situation that certain external condition possesses, and paying party is examined goods to finish when agreeing payment and can be carried out this operation in the process of exchange of for example cashing on delivery.
4) payment platform will be carried out payment transaction, if payment cipher such as is not inconsistent at mistake, paying party can be revised payment cipher, sends information once more.As successful payment, beneficiary will be received payment confirmation codes.
4a. paying party is submitted to the gathering receiving agent with payment confirmation codes by certain approach.The approach of submitting can be selected neatly according to the specific environment needs of payment, as code keypad oral, written, that be connected with the beneficiary terminal etc.The receiving agent can be the third party who is different from beneficiary, and the sender just can be the receiving agent in the process of for example cashing on delivery.
5) if being registered as the gathering of beneficiary, receiving agent's mobile phone confirms terminal, then only needs to send payment confirmation codes and get final product that payment platform will obtain the card number of collecting money automatically.If receiving agent's mobile phone is registration not, the receiving agent need issue payment platform with payment card number and payment confirmation codes.
6) after the correctness of payment platform validation of payment confirmation code, the payment information of correspondence is sent back to the receiving agent, the receiving agent verifies errorless back and can confirm that the payer pays the bill.
Embodiment 2
As shown in Figure 1, the payment process (C to C payment/account transfer) of initiating by paying party:
1) will pay the bill card number, Payment Amount and payment cipher of paying party issued payment platform.Payment platform will be checked the payment cipher and the account balance of paying party, and the amount of money that suspends payment then has enough account balances to guarantee beneficiary when collecting money.
2) payment platform will be replied beneficiary gathering name, Payment Amount and payment confirmation codes, confirm for paying party.Paying party also can be received the prompting of a payment simultaneously.
2a. after the paying party affirmation is errorless, payment confirmation codes is submitted to beneficiary by certain approach.If find wrongly, the additional cancellation sign of second information received of step can be beamed back payment platform, payment platform is with frozen partially thawed in the payment remaining sum.
3) beneficiary is replied after with the 2nd information affix payment confirmation codes received of step and is collected money.
4) payment platform will be carried out payment transaction, will send error message to both sides as transaction errors, and as successful payment, the information of successful payment all will be received by receipt and payment side.
Embodiment 3
As shown in Figure 3, online payment:
When 1) checking out after the paying party store shopping on the net, select " mobile payment " as the modes of payments, browser page jumps to the payment page of mobile payment service provider subsequently, and payment has comprised bill information in the page, and paying party is as long as input handset number and mobile-phone payment password are submitted to then.
2) the paying party mobile phone will be received the note that comprises this " payment confirmation codes " that payment system sends.
3) the back page display requirement of browser input " payment confirmation codes ", " payment confirmation codes " on the paying party input note also submitted to.
4) if successful payment, the page will show the payment successful information; If payment is unsuccessful, the page will show payment failure and cause information; The page selects to return online shopping mall's page automatically or by hand then.
Five, the product process of payment confirmation codes
As shown in Figure 4, payment platform generates payment confirmation codes by checking algorithm and random number, and the concrete grammar of generation is exemplified below:
Payment confirmation codes=serial number+random number+check code
Serial number: each virtual card is safeguarded a serial number, and payment confirmation codes of every generation adds one
Random number: press the numeral that random algorithm generates by payment platform
Check code: each bit digital addition of the virtual card number of will paying the bill obtains a numeral, and the every addition of random number is obtained another numeral, with these two numerals again addition get the result back 2 as check code.
Six, the embodiment that is used to use of the present invention
Embodiment 4
Support the mobile payment of traditional cashier mode:
Suitable environment comprises the dining room, the bar, and the shop, dispensing delivery of cargo, check out and describe for example in following dining room:
When consumer wants was checked out, the table steward gave the consumer with bill;
The payer writes note with mobile phone, the Payment Amount on the input bill and the mobile payment virtual account number of trade company, and the mobile payment password of input oneself sends this note then to payment platform again;
Payment platform is answer short message immediately, and content is name of firm, Payment Amount;
Whether the consumer only need check name of firm and Payment Amount correct, then this note original text is returned to payment platform as errorless;
Payment platform is replied the note that the consumer comprises " successful payment " information and payment confirmation codes immediately, and the consumer signed payment confirmation codes to write on and gave waiter on the bill this moment;
Waiter gives the cashier with bill, and the cashier imports payment confirmation codes on the gathering application program on the Net-connected computer, and application program can be opened invoice with the time and the amount of money of present the bill for payment successful information immediately and payment after the confirmation.The cashier also can be dealt into the payment services short signal with payment confirmation codes by using SMS, with the answer short message that is about to receive that payment is successful.
Embodiment 5
The cash on delivery mobile payment of mode of support, suitable environment comprises cashing on delivery of all physical goods:
The consumer can order goods by phone, and arranges " cashing on delivery " and specify " mobile payment " as Payment Methods, and the consumer tells telephone number or the virtual card number that trade company is used for mobile payment by phone;
The interface typing order (payment cell-phone number+payment+order number) that trade company uses the computing machine of networking to provide by payment platform, payment platform is dealt into the payment mobile phone with sequence information with note, and short message content comprises trade company number, name of firm, order number and amount payable;
Trade company arranges deliver goods, and after the consumer examined goods and agrees to receive, the payer used mobile phone to reply the sequence information of receiving before, and additional mobile payment password, receives the answer short message that comprises payment confirmation codes subsequently;
The payer signs payment confirmation codes and writes on the receiving note, the sender uses registered mobile phone to send payment confirmation codes to payment platform (mobile phone that the sender also can use unregistered mistake with the virtual card number of note Sending Payments and payment confirmation codes to payment platform) with note, receives that subsequently the successful payment information that comprises name of firm, Payment Amount, payment card number can confirm to collect money successfully.
Embodiment 6
The mobile payment of shopping online, suitable environment comprise various types of online shopping malls:
When checking out after consumer's store shopping on the net, select " mobile payment " as the modes of payments;
Consumer's browser page jumps to the payment page of mobile payment service provider, the consumer is input handset number and mobile-phone payment password immediately, submit back page display requirement input " payment confirmation codes " to, consumer's mobile phone will be received the note that comprises this " payment confirmation codes " that payment platform sends immediately;
The consumer continues submitting to behind the input payment confirmation codes on the page, and the page will show the payment successful information, and the page selects to return online shopping mall's page automatically or by hand then.
Seven, effect of the present invention
Online payment is also supported in the conventional payment field of 1) can be used to make in cash, bank card being paid simultaneously;
2) can be used for long-range gathering and payment;
3) can collect money by the third party, the third direction beneficiary submits to payment confirmation codes as the proof of finishing gathering;
4) no matter to use Net-connected computer respectively still be mobile device (as mobile phone) for beneficiary and paying party, the operation of can paying between both sides;
5) Net-connected computer uses the Internet communication mode of standard, and mobile device can use note, USSD, WAP, K-java communication mode, and mobile device is not had extra demand (mobile phone does not need to change the STK card);
6) support the payment initiatively initiated by paying party, this mode can realize the payment of safe C to C pattern;
7) payment confirmation codes can only be informed beneficiary by paying party, otherwise beneficiary can't obtain by usual channel.Adopt manual type (written signature, oral etc.) that payment confirmation codes is passed to the process of beneficiary by paying party, guaranteed that both parties are to the affirmation of identity and transaction itself separately;
8) the bank card related information of payer does not transmit in payment process, does not need to worry the bank account information leakage;
9) beneficiary can be registered a plurality of phone numbers as cash receiving terminal.The mobile phone of registration can be divided authority, comprises the authority that initiatively sends the gathering request and can only send the authority that inquiry is confirmed in gathering; According to the needs of using, can support to use the affirmation of paying of any mobile phone of not registration;
10) when paying on the net, do not need to send payment instruction with mobile phone again, make that the payment process on the computer user interface links up, consistent with the process of on the online payment gateway of bank, using bank card to pay.
Above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.
Claims (10)
1. method of mobile payment based on payment confirmation codes is characterized in that may further comprise the steps:
Deposit the user profile that comprises user name and user's a mobile communication number at least in a payment platform, this payment platform distributes a virtual card number for the user of each storage;
When paying transaction between the described user,
Paying party sends self virtual card number, the virtual card number of beneficiary, dealing money information to described payment platform;
Described payment platform generates a payment confirmation codes;
Described payment platform sends described payment confirmation codes, beneficiary user name, dealing money to described paying party;
Described paying party sends described payment confirmation codes to described beneficiary;
Described beneficiary sends the virtual card number of self or the virtual card number and the described payment confirmation codes of paying party to described payment platform;
Described payment platform is to described paying party and beneficiary difference feedback trading successful information.
2. method according to claim 1 is characterized in that described user comprises domestic consumer and trade company; Deposit the user profile that comprises domestic consumer's name and user's a mobile communication number at least in described payment platform, this payment platform distributes the virtual card number of a domestic consumer for the domestic consumer of each storage; Deposit the user profile that comprises trade company's name at least in described payment platform, this payment platform distributes the virtual card number of a trade company for the trade company of each storage;
When described domestic consumer pays the bill to described trade company, and when initiating payment transaction by paying party,
Paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money information to described payment platform;
Described payment platform generates a payment confirmation codes;
Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party;
Described paying party sends described payment confirmation codes to described beneficiary;
Described beneficiary sends virtual card number of virtual card number of the trade company of self or domestic consumer and described payment confirmation codes to described payment platform;
Described payment platform is to described paying party and beneficiary difference feedback trading successful information.
3. method according to claim 1 is characterized in that described user comprises domestic consumer and trade company; Deposit the user profile that comprises domestic consumer's name at least in described payment platform, this payment platform distributes the virtual card number of a domestic consumer for the domestic consumer of each storage; Deposit the user profile that comprises trade company's name at least in described payment platform, this payment platform distributes the virtual card number of a trade company for the trade company of each storage;
When described domestic consumer pays the bill to described trade company, and when initiating payment transaction by beneficiary,
Beneficiary sends the virtual card number of the trade company of self, the virtual card number of domestic consumer, dealing money, order number to described payment platform;
Described payment platform sends described trade company name, the virtual card number of trade company, dealing money, order number to described paying party;
Paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money, order number, payment cipher information to described payment platform;
Described payment platform generates a payment confirmation codes;
Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party;
Described paying party sends described payment confirmation codes to described beneficiary;
Described beneficiary sends virtual card number of domestic consumer and described payment confirmation codes to described payment platform;
Described payment platform is to described paying party and beneficiary feedback trading successful information.
4. method according to claim 3 is characterized in that, also comprises a receiving agent side; Can deposit the information that comprises receiving agent's side communication number at least in described payment platform, also can be fully not deposit any information of receiving agent side in payment platform;
When described domestic consumer pays the bill to described trade company, and by beneficiary initiate payment transaction, when receiving agent side carries out gathering,
Beneficiary sends the virtual card number of the trade company of self, the virtual card number of domestic consumer, dealing money, order number to described payment platform;
Described payment platform sends described trade company name, the virtual card number of trade company, dealing money, order number to described paying party;
Paying party sends the virtual card number of the domestic consumer of self, the virtual card number of trade company, dealing money, order number, payment cipher information to described payment platform;
Described payment platform generates a payment confirmation codes;
Described payment platform sends described payment confirmation codes, trade company's name, dealing money to described paying party;
Described paying party sends described payment confirmation codes to described receiving agent side;
Described receiving agent side sends virtual card number of domestic consumer and described payment confirmation codes to described payment platform;
Described payment platform is to described paying party and receiving agent side's difference feedback trading successful information.
5. method according to claim 1, it is characterized in that, described user profile also comprises payment cipher, and paying party sends the virtual card number of self, virtual card number, dealing money information and the described payment cipher of beneficiary to described payment platform; Described payment platform needs described payment cipher is carried out checking treatment.
6. method according to claim 1 is characterized in that, described payment platform generates a payment confirmation codes and is meant: described payment platform generates payment confirmation codes by checking algorithm and random number.
7. method according to claim 1 is characterized in that, described paying party is the mobile communication terminal or the network terminal; Described beneficiary is the mobile communication terminal and/or the network terminal.
8. according to claim 2 or 3 described methods, it is characterized in that, described paying party is a mobile communication terminal, and the virtual card number of described paying party is related with one or more mobile communication numbers, and virtual card number and associated mobile communication number are equal in payment process fully; Described beneficiary is the mobile communication terminal and/or the network terminal.
9. method according to claim 4 is characterized in that, described paying party is a mobile communication terminal; Described receiving agent side is a mobile communication terminal; Described beneficiary is the mobile communication terminal and/or the network terminal.
10. method according to claim 7 is characterized in that, described mobile communication terminal comprises: mobile phone, PDA, portable computer; The described network terminal comprises: PC, server.
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| CNA2005100683841A CN1667632A (en) | 2005-05-08 | 2005-05-08 | Method of mobile payment based on payment confirmation codes |
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| CNA2005100683841A CN1667632A (en) | 2005-05-08 | 2005-05-08 | Method of mobile payment based on payment confirmation codes |
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