CN1851762A - Mobile payment system and mobile payment transaction information processing method - Google Patents
Mobile payment system and mobile payment transaction information processing method Download PDFInfo
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- CN1851762A CN1851762A CN 200510116683 CN200510116683A CN1851762A CN 1851762 A CN1851762 A CN 1851762A CN 200510116683 CN200510116683 CN 200510116683 CN 200510116683 A CN200510116683 A CN 200510116683A CN 1851762 A CN1851762 A CN 1851762A
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Abstract
The present invented system structure includes mobile terminal, counter service terminal and network intermediate system, wherein said network intermediate system respectively connected with mobile terminal and counter service terminal, counter service terminal including one picture generating module for generating deal information picture and providing to mobile terminal, mobile terminal capable of being handset, PDA and palmtop computer etc having photo function or graphic scanning function, utilizing photo function or graphic scanning function obtaining counter service terminal generative deal information picture and sending to network intermediate system; network intermediate system capable of being service runner signed service agreement with mobile terminal user and service provider to realize process deal according to corresponded account information.
Description
Technical field
The present invention relates to wireless telecommunication system, particularly a kind of mobile-payment system and mobile payment transaction information disposal route.
Background technology
In current consumption; the consumer usually can use bank card to swipe the card on the terminal of businessman and consume; businessman can obtain user profile; and during the password input is to operate in merchant terminal; so be difficult to avoid other people usually; have certain potential safety hazard, and if the band card then can't not carry out wholesale consumption.And various mobile devices such as mobile phone, PDA and palm PC are day by day popularized at present, and especially mobile phone almost is to be with product, if can utilize mobile phone or other portable terminal to realize that mobile payment then can improve the security and the convenience of transaction greatly.
Because above-mentioned situation, industry have been released the business of carrying out transaction payment by portable terminal, as the payment scheme based on note of China Mobile.This business needs the user to send note to particular number when using, information such as manual input shop numbering, goods number, password.This kind method has solved banking terminal to a certain extent and has arranged not enough problem, but has following shortcoming:
Complicated operation: the user need send note to particular number; Need input payment informations such as shop numbering, goods number, password by keyboard, operate very loaded down with trivial details;
Reliability is not high: be easy to make mistakes owing to the user imports a large amount of numerical information by hand, and do not have bug check mechanism, normally carry out so be easy to influence payment because of the information input error.
Based on the problems referred to above, the payment by using short messages mode is not general in actual use.
Therefore how to provide a kind of easy and simple to handle and safe and reliable mobile-payment system and method to become problem demanding prompt solution.
Summary of the invention
The invention provides the disposal route of a kind of mobile-payment system and mobile payment transaction information, to solve the problem of prior art poor stability, complicated operation.
A kind of mobile-payment system of the present invention, comprise the portable terminal with image-acquisition functions, the counter service terminal of being located at the service provider place, respectively with the described portable terminal intermediary of network system that terminal communication is connected with counter service, this intermediary of network system the prestore identity information and the account information thereof of counter service terminal and mobile phone users, described mobile-payment system also comprises:
Be located at the image generation module of described counter service terminal, be used to generate the image of concrete Transaction Information;
Be arranged on the image analysis module in the described intermediary of network system, be used for parsing concrete Transaction Information from described image;
Described portable terminal picked-up or scan described image and send to described intermediary of network system, this intermediary of network system transfers the account information of corresponding counter service terminal and mobile phone users and handles transaction according to the concrete Transaction Information that parses.
Described portable terminal comprises photo module or the image scanning module of obtaining described figure.
A kind of mobile-payment system of another kind of the present invention, comprise portable terminal, be located at the counter service terminal at service provider place with respectively with the described portable terminal intermediary of network system that terminal communication is connected with counter service, this intermediary of network system the prestore identity information and the account information thereof of counter service terminal and mobile phone users, described mobile-payment system also comprises:
Setting is the image generation module of described counter service terminal, is used to generate the image of Transaction Information;
Be arranged on the image analysis module on the portable terminal, be used for parsing concrete Transaction Information and should concrete Transaction Information sending to described intermediary of network system from described image;
Described intermediary of network system handles transaction according to the account information that the described concrete Transaction Information that receives is transferred corresponding counter service terminal and mobile phone users.
Described intermediary of network system comprises the relevant device in communication network and/or the bank network.
A kind of disposal route of mobile payment transaction information comprises the following steps:
The image that carries concrete Transaction Information that picked-up of S11, portable terminal or scanning are provided by service provider also sends to the intermediary of network system together with the identity information of described image and this mobile phone users; Or portable terminal parses concrete Transaction Information from described image, and the identity information of this concrete Transaction Information and this mobile phone users is sent to the intermediary of network system together, comprises service provider's identity information in the described concrete Transaction Information;
S12, intermediary of network system parse concrete Transaction Information or receive described concrete Transaction Information after receiving described image, extract described service provider and mobile phone users both sides' identity information, and from the information bank that prestores, extract corresponding account and handle transaction.
Also comprise transaction content information in the described concrete Transaction Information, the intermediary of network system is according to this transaction content information processing transaction; Perhaps
After the intermediary of network system extracts the identity information of described service provider, obtain transaction content information from this service provider again, and according to this transaction content information processing transaction.
Described step S12 further comprises the steps:
The intermediary of network system generates transaction record and sends to mobile phone users according to described transaction content information and confirms;
The intermediary of network system receives that preserving transaction record behind the affirmation Transaction Information of mobile phone users carries out payment, and returns the payment successful information to service provider and/or portable terminal; Otherwise, cancel this transaction record and return the payment failure information.
Mobile phone users is when sending described image or concrete Transaction Information to the intermediary of network system, and/or the affirmation that mobile phone users returns described transaction record to the intermediary of network system is as a result the time, and the default trading password of input carries out authentication.
Also comprise step among the described step S12: intermediary of network system verification service provider and mobile phone users identity legitimacy.
Described method also comprises step: service provider and/or mobile phone users return the payment execution result information that affirmation has received that the intermediary of network system sends to the intermediary of network system.
Described transaction content information comprises one of following message at least: dealing money, transaction details, transaction journal number; The identity information of described service provider comprises one of following message at least: the number information of the identification information of service provider, counter terminal identification information, counter service terminal, COS, service application identification information, version information; The identity information of described mobile phone users comprises one of following message at least: the number of the IMSI of portable terminal, the ESN of portable terminal, portable terminal.
Beneficial effect of the present invention is as follows:
Use system and method for the present invention, seller information and transaction content can be stored in the image, portable terminal obtains relevant information by shooting or scan image, and the speed that the information that makes is obtained is greatly improved.Dealing side's identity information is used in transaction, rather than both sides' account, has fully guaranteed both parties' privacy and property safety.Especially, the seller can't obtain buyer's information, thereby, removed the consumer about E-consumer, particularly the consumer psychology obstacle of mobile payment can quicken to promote to move the application that is consumed in the various supermarkets.And whole process of exchange only needs mobile phone users to confirm once on the terminal of oneself, has simplified this process of exchange greatly, not only safe and convenient but also be beneficial to health.
For the portable terminal with camera function or scanning, the relative application software of concluding the business that only needs to provide support gets final product, and no longer needs extra hardware supported.
Description of drawings
Fig. 1 is a mobile-payment system structural representation of the present invention;
Fig. 2 is the process flow diagram of mobile payment transaction information disposal route of the present invention.
Embodiment
As shown in Figure 1, be the mobile-payment system structural representation, comprise portable terminal 1, counter service terminal 2 and intermediary of network system 3, intermediary of network system 3 communicates to connect with portable terminal 1 and counter service terminal 2 respectively, counter service terminal 2 comprises an image generation module, can be with when the concrete transaction of carrying out with mobile phone users, the information of transaction is generated image offer portable terminal 1; Portable terminal 1 can be mobile phone, PDA and the palm PC etc. with camera function or graph scanning function, and the image that utilizes camera function or graph scanning function to obtain the Transaction Information that is generated by counter service terminal 2 sends to intermediary of network system 3; Intermediary of network system 3 can only be the operator that is signed with service agreement respectively with mobile phone users and service provider, also can there be bank to participate in, the equipment of realization mobile payment comprises the image analysis equipment and the treatment facility that is used for handling described Transaction Information of Transaction Information in the intermediary of network system 3, set in advance both parties' account in the treatment facility, image analysis equipment sends treatment facility to parse concrete Transaction Information from image after, and treatment facility is handled transaction according to the account of correspondence.
Concrete mobile payment transaction information disposal route comprises the following steps:
S1, counter terminal generate image with Transaction Informations such as service provider's relevant information and transaction content information, so that offer the mobile subscriber terminal as transaction the opposing party in the back;
When mobile phone users and service provider specifically conclude the business, generally comprise the content of two aspects in the Transaction Information:
1, transaction content information: information such as transaction journal number, transaction details and dealing money;
2, service provider's relevant identity information: service provider's information and counter terminal information, wherein service provider's information can comprise id information, the COS of service provider, ID is used in service, and information such as version also can include only the id information of serving trade company.Counter terminal information comprises the unique identification information of counter terminal and the number information of counter terminal; Wherein service is used ID and can indicating terminal be started which kind of application and help the user and finish transaction.Generally speaking, should there be a general terminal applies to satisfy the transaction processing of user to different service providers.
During actual the realization, image information can be a bar code, can be image in 2 D code also, such as LP Code.Can certainly be the image of other type, as the arabic numeral of standard, as long as can be by the correct identification of image analysis apparatus.
S2, portable terminal absorb described image by camera function or graph scanning function from the counter service terminal;
S3, portable terminal send the image information of being obtained to the intermediary of network system;
For example, portable terminal can send this image information to the intermediary of network system by modes such as multimedia messages.
For the safety of concluding the business, portable terminal can point out the user to confirm whether send earlier before the image information that will obtain sends to intermediary system further, if the user confirms to send, then portable terminal is carried out transmit operation; If the user selects not send, then portable terminal is not carried out transmit operation.This affirmation can further realize by the input preset password.
After S4, intermediary of network system receive image information, in image analysis equipment, resolve, obtain the Transaction Information of service provider's relevant information and transaction content information.
If do not comprise whole transaction finance information from the data that image analysis obtains, the intermediary of network system can also obtain required whole transaction finance information from the counter service terminal.
Perhaps, the counter service terminal also can be only with the counter service terminal information, that is: serve the id information of trade company, the counter service Termination ID, counter service terminal number etc., with the transaction journal information storage in image, portable terminal is after obtaining this image information, this image is sent to the intermediary of network system, the intermediary of network system is when counter service terminal information of resolving image information and obtaining according to parsing and transaction journal information creating occasional trade record, then obtain transaction content information from the counter service terminal again, that is: dealing money, and transaction inventory etc.For example, the intermediary of network system obtains corresponding dealing money according to counter service terminal information and transaction journal information from the service terminal of correspondence, and information such as transaction inventory etc., in this case, need the intermediary of network system to send the amount of money of an acquisition request transaction, the request of commodity detail to the service terminal of correspondence, at least comprise transaction journal number in the request, corresponding service terminal sends to the intermediary of network system with the dealing money and the commodity detail of correspondence after this request that receives.
S5, intermediary of network system obtain the identity information of mobile phone users, i.e. the identity information of buyer's information and counter service terminal, the i.e. legitimacy of seller information, and checking trade deal both sides identity;
The identity information of mobile phone users is when portable terminal sends to the intermediary of network system with the image information of obtaining, by network equipment MSC (Mobile Switching Center mobile switching centre) with/obtain HLR (Home Location Register attaching position register) automatically relevant identity descriptor and image information to be sent to together the intermediary of network system.Wherein: the identity information of mobile phone users can comprise: the IMSI of portable terminal (International Mobile Subscriber Identity, international mobile subscriber identification code), the ESN (Electronic Serial Number of portable terminal, Electronic serial number is uniquely corresponding to portable terminal MSISDN), in the information such as number of portable terminal one obtains its combination in any.
The identity information of counter service terminal is that the intermediary of network system directly extracts from the Transaction Information that parses.
Then, both sides' identity legitimacy is verified,, then carried out step S6, otherwise return the message of denial of service if legal.The identity information of intermediary of network system verification counter service terminal comprises the ID service provider of physical presence correspondence whether who judges the counter service terminal.For example, the intermediary of network system has registered this service provider's information in advance, and corresponding account information, after the intermediary of network system analysis goes out service provider's id information, search the corresponding service provider's information of whether having registered,, think that then the service provider who resolves is legal if exist, otherwise, think illegal.Intermediary of network system verification subscriber identity information comprises whether the identity information of judging this corresponding mobile terminal user is registered, for example, this identity information is the IMSI information of corresponding mobile terminal, the intermediary of network system has registered the IMSI information of this mobile phone users in advance, and corresponding account information, whether the IMSI information searching that the intermediary of network system returns according to MSC or HLR has registered the IMSI and the account information of this mobile phone users in advance, if exist, think that then mobile phone users is legal, otherwise, think illegal.
S6, intermediary of network system transfer both sides' account information from the information bank that prestores according to both sides' identity information;
S7, intermediary of network system create the occasional trade recording and sending according to transaction content and carry out trade confirmation to portable terminal;
In the occasional trade record of intermediary of network system creation, record counter terminal information and mobile phone users relevant information, the for example unique identification information of mobile phone users, account information, described counter service end message can comprise the counter service terminal unique identification information, service provider's information, comprise the numbering of counter terminal, the corresponding or corresponding account information of service provider of counter terminal; The unique identification information of described portable terminal can comprise one of number MSISDN of IMSI, Electronic Serial Number ESN and portable terminal, and way is to comprise this three kinds of information simultaneously preferably.For example, HLR (Home Location Register, attaching position register) information can be determined, responsibility entities such as relevant operator can be tracked by HLR if dispute occurs by mobile terminal number.Jump such as the user and to have netted, when perhaps mobile phone situation such as is lost and is taken place, just can not judge the information elements such as account number of portable terminal by old IMSI, at this moment also can judge the account of portable terminal, the inquiry transaction record by the number MSISDN of portable terminal.
The affirmation notification package that the intermediary of network system issues portable terminal is drawn together information such as dealing money, transaction journal number or transaction details.
S8, portable terminal are confirmed after receiving Notice Of Transactions; Confirm to return the order of carrying out transaction when correct,, then return the order that Cancels Transaction if pinpoint the problems.
When portable terminal is confirmed transaction, in order to protect user benefit, can be by confirming in terminal input preset password.
After S9, intermediary of network system receive the affirmation of portable terminal, carry out payment, being about to the occasional trade registration confirmed is formal transaction record, and the record transaction log;
S10, intermediary of network system send to the counter service terminal with execution result, can also further execution result be sent to portable terminal.
The result that the intermediary of network system carries out transaction should comprise at least: carry out to pay and successfully notify and carry out Fail Transaction.
After paying successfully, both parties fulfil follow-up transaction formality, specifically comprise: the counter service terminal receives pays the notice that runs succeeded, and the counter service terminal can directly produce bill and print to offer mobile phone users; Simultaneously, intermediary of network system log (SYSLOG) transaction e bill, and can send this electronic bill to portable terminal, and preserve for portable terminal, as electronic certificate, and the usefulness of adding up consumption information as mobile phone users later on.In the reality, electronic bill also should be added with the signing messages of counter service terminal.
After Fail Transaction, the counter service terminal shows the electronic transaction failure notification.Simultaneously, intermediary of network notifications portable terminal, Fail Transaction.
In the middle of the reality, every notes record of transaction can comprise two mark domain, whether receives the Transaction Success notice in order to indicate both parties' terminal.If intermediary of network system Transaction Success, and when Transaction Success notice sent to portable terminal and counter service terminal, portable terminal and counter service terminal should be returned message of intermediary of network system is told and oneself is received that relationship trading successfully notifies.Like this, intermediary of network system default user concludes the transaction by electronic transaction, and does not need to pay for it in cash.After the intermediary of network system has notice, change correlating markings information.
For realizing this method, intermediary of network system place should preserve the counter service terminal related information in advance, and these information can comprise counter service terminal unique ID, counter service terminal number and account information, and mobile subscriber's identity information and account information.
According to the transaction convention, the intermediary of network system also should produce paper spare record in the middle of actual, and the counter service terminal of same transaction also should produce paper spare record, moves the protection of strengthening the transaction voucher.
This method can have only operator's management fully, also can have bank to participate in, and concrete requirements of process is formulated according to actual conditions.
The intermediary of network system is after having created transaction record, when the notice portable terminal is confirmed, the intermediary of network system may further include transaction content information in the message that the notice portable terminal is confirmed, like this, the user can recognize abundant more Transaction Information when confirming a transaction, take place to avoid possible mistake, can also avoid the fraud of illegal trade company in addition, such as changing dealing money etc. steathily.Certainly, confirm can also to comprise in the message of notice ISP's title and identification information, the mistake that the image information mistake that prevents to obtain causes occurs when carrying out dissection process ISP identification information promptly causes the seller information mistake of concluding the business.
In addition, the counter service terminal information that is: is served the id information of trade company, the counter service Termination ID, counter service terminal number etc. can be with a number-mark, this numbering has comprised the id information of serving trade company simultaneously, counter service Termination ID, information such as counter service terminal number.In addition the counter service terminal also can be only be stored in the order number of current transaction in the image, and this order number has comprised counter service terminal information and serial number information.These information of obtaining can be enough to distinguish trade company, counter service terminal, and transaction journal number.Wherein merchant information can not be included in these information, certainly, requires the intermediary of network system only to obtain required account and counter service end message from counter service Termination ID information like this.
The counter service terminal is in display image, the serial number of transaction can also be presented on the screen, the affirmation notification package that the intermediary of network system sends to portable terminal has contained this serial number, portable terminal can show this serial number, so that mobile phone users is when confirming transaction, the transaction journal that the transaction journal that shows in the counter service terminal number and own portable terminal are shown number compares, thereby can further guarantee the correctness of concluding the business.
Similar with preceding method, the image analysis module can also be arranged in the portable terminal, portable terminal is after obtaining this image, can directly resolve this image by the image analysis module, and send to the intermediary of network system after the information that parsing obtains further handled, transaction seller information and transaction content that the intermediary of network system sends according to portable terminal, and mobile terminal user information generation occasional trade record, and carry out follow-up transaction processing.In this manner, portable terminal is used id information by service type information, the service of resolving image information acquisition, start the respective service application program with information such as version information, and this application program of information initializing that looks like to obtain with analysis diagram, the user confirms whether send corresponding Transaction Information to the intermediary of network system by this application program.
Use said method, the seller and the buyer finish once transaction, only need image of scanning input, and send this image, then press once affirmation and input password one time, and, in the middle of the reality, in the foregoing description, described " by once confirming " this step operation also can be omitted, therefore, this method has been simplified the input of process of exchange both parties greatly, thereby has improved the efficient of transaction.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (12)
1, a kind of mobile-payment system, comprise the portable terminal with image-acquisition functions, the counter service terminal of being located at the service provider place, respectively with the described portable terminal intermediary of network system that terminal communication is connected with counter service, this intermediary of network system the prestore identity information and the account information thereof of counter service terminal and mobile phone users, it is characterized in that described mobile-payment system also comprises:
Be located at the image generation module of described counter service terminal, be used to generate the image of concrete Transaction Information;
Be arranged on the image analysis module in the described intermediary of network system, be used for parsing concrete Transaction Information from described image;
Described portable terminal picked-up or scan described image and send to described intermediary of network system, this intermediary of network system transfers the account information of corresponding counter service terminal and mobile phone users and handles transaction according to the concrete Transaction Information that parses.
2, mobile-payment system as claimed in claim 1 is characterized in that: described intermediary of network system comprises the relevant device in communication network and/or the bank network.
3, mobile-payment system as claimed in claim 1 or 2 is characterized in that: portable terminal comprises photo module or the image scanning module of obtaining described figure.
4, a kind of mobile-payment system, comprise portable terminal, be located at the counter service terminal at service provider place with respectively with the described portable terminal intermediary of network system that terminal communication is connected with counter service, this intermediary of network system the prestore identity information and the account information thereof of counter service terminal and mobile phone users, it is characterized in that described mobile-payment system also comprises:
Setting is the image generation module of described counter service terminal, is used to generate the image of Transaction Information;
Be arranged on the image analysis module on the portable terminal, be used for parsing concrete Transaction Information and should concrete Transaction Information sending to described intermediary of network system from described image;
Described intermediary of network system handles transaction according to the account information that the described concrete Transaction Information that receives is transferred corresponding counter service terminal and mobile phone users.
5, mobile-payment system as claimed in claim 4 is characterized in that: described intermediary of network system comprises the relevant device in communication network and/or the bank network.
6, a kind of disposal route of mobile payment transaction information comprises the following steps:
The image that carries concrete Transaction Information that picked-up of S11, portable terminal or scanning are provided by service provider also sends to the intermediary of network system together with the identity information of described image and this mobile phone users; Or portable terminal parses concrete Transaction Information from described image, and the identity information of this concrete Transaction Information and this mobile phone users is sent to the intermediary of network system together, comprises service provider's identity information in the described concrete Transaction Information;
S12, intermediary of network system parse concrete Transaction Information or receive described concrete Transaction Information after receiving described image, extract described service provider and mobile phone users both sides' identity information, and from the information bank that prestores, extract corresponding account and handle transaction.
7, method as claimed in claim 6 is characterized in that,
Also comprise transaction content information in the described concrete Transaction Information, the intermediary of network system is according to this transaction content information processing transaction; Perhaps
After the intermediary of network system extracts the identity information of described service provider, obtain transaction content information from this service provider again, and according to this transaction content information processing transaction.
8, method as claimed in claim 7 is characterized in that, described step S12 further comprises the following steps:
The intermediary of network system generates transaction record and sends to mobile phone users according to described transaction content information and confirms;
The intermediary of network system receives that preserving transaction record behind the affirmation Transaction Information of mobile phone users carries out payment, and returns the payment successful information to service provider and/or portable terminal; Otherwise, cancel this transaction record and return the payment failure information.
9, as claim 7 or 8 described methods, it is characterized in that, mobile phone users is when sending described image or concrete Transaction Information to the intermediary of network system, and/or the affirmation that mobile phone users returns described transaction record to the intermediary of network system is as a result the time, and the default trading password of input carries out authentication.
10, method as claimed in claim 9 is characterized in that, also comprises step among the described step S12: intermediary of network system verification service provider and mobile phone users identity legitimacy.
11, method as claimed in claim 10 is characterized in that, described method also comprises step: service provider and/or mobile phone users return the payment execution result information that affirmation has received that the intermediary of network system sends to the intermediary of network system.
12, as claim 10 or 11 described methods, it is characterized in that:
Described transaction content information comprises one of following message at least: dealing money, transaction details, transaction journal number;
The identity information of described service provider comprises one of following message at least: the number information of the identification information of service provider, counter terminal identification information, counter service terminal, COS, service application identification information, version information;
The identity information of described mobile phone users comprises one of following message at least: the number of the IMSI of portable terminal, the ESN of portable terminal, portable terminal.
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| CN 200510116683 CN1851762A (en) | 2005-10-27 | 2005-10-27 | Mobile payment system and mobile payment transaction information processing method |
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| CN102496222A (en) * | 2011-11-29 | 2012-06-13 | 上海盛付通电子商务有限公司 | Payment command-based paying method, paying terminal and system |
| CN102567879A (en) * | 2010-12-30 | 2012-07-11 | 姚立和 | Wireless safety transaction payment system and method |
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| CN102156891A (en) * | 2010-01-19 | 2011-08-17 | 飞力凯网路股份有限公司 | Information processing device, information processing system and program |
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| CN102567879B (en) * | 2010-12-30 | 2016-06-29 | 姚立和 | Wireless safety transaction payment system and method thereof |
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| JP7532335B2 (en) | 2011-10-25 | 2024-08-13 | 株式会社アイエスアイ | Electronic money transfer method and system |
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| CN103377429A (en) * | 2012-04-17 | 2013-10-30 | 中国银联股份有限公司 | Payment method and payment system carried out by using two-dimension code |
| CN103854181A (en) * | 2012-12-04 | 2014-06-11 | 北京旋极信息技术股份有限公司 | Electronic signature method, electronic signature device, client side and system |
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
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| CN104157082A (en) * | 2014-07-29 | 2014-11-19 | 中国联合网络通信集团有限公司 | Automatic ticket collecting method and automatic ticket collecting device |
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