CN201397551Y - Multi-channel mobile-phone payment system - Google Patents
Multi-channel mobile-phone payment system Download PDFInfo
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- CN201397551Y CN201397551Y CN2008201634273U CN200820163427U CN201397551Y CN 201397551 Y CN201397551 Y CN 201397551Y CN 2008201634273 U CN2008201634273 U CN 2008201634273U CN 200820163427 U CN200820163427 U CN 200820163427U CN 201397551 Y CN201397551 Y CN 201397551Y
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Abstract
The utility model relates to a multi-channel mobile-phone payment system, which comprises a user login system, a payment database system and a settlement system, wherein the user login system comprises at least one terminal device which is connected with a user mobile phone in a wireless way and is connected with the payment database system on the settlement system in a wired way or a wireless way. The user mobile phone can be one or more of a GSM mobile phone, a CDMA mobile phone, a GPRS mobile phone, a 3G mobile phone and a 4G mobile phone. One of communication technologies such as SMS shortmessage, IVR voice telephone, GPRS, EGPRS, 3G and CDMA can be selected to transmit the commodity payment information to the user login system to perform the consumption payment through a short message, a WAP web site, an Internet web site, an IVR voice telephone or payment software which is installed on the user mobile phone. The multi-channel mobile-phone payment system can realize the multi-function mobile phone payment; the function is complete, and different requirements of different users can be satisfied; the payment is safe; and the man-machine conversation function is strong, and theoperation is convenient.
Description
Technical field
The utility model relates to field of computer technology and mobile communication technology field, relates in particular to a kind of hyperchannel hand call payment system, is specially adapted to the disbursement and sattlement between retail service industry and consumer.
Background technology
Along with the high speed development of modern science and technology, it is more and more convenient, convenient that people's life also becomes.Buy the consumption and payment of commodity at present, or adopt and pay in cash, or adopt the bank card payment.Pay-us-you-go plan needs the consumer to carry enough cashes, and action is inconvenient, also loses easily.The bank card modes of payments needs the consumer to carry the support of this card and terminal brush card apparatus.Mobile phone is an indispensable communication tool during people live, substantially staff is one one, possess keyboard entry function and picture, literal Presentation Function, characteristics that it is carried and mobile-phone payment function combine, to buy the consumption and payment approach fast, easily for the user makes one, with the life that is convenient for people to greatly.
Summary of the invention
The utility model mainly solves paying in cash of existing purchase commodity or there is the technical matters of carrying inconvenience, losing easily in the bank card modes of payments; A kind of expense of the payable purchase commodity of carrying by people of mobile phone is provided, need not carries cash or bank card more in addition, reduce belongings, action is convenient, is difficult for losing safe hyperchannel hand call payment system.
Above-mentioned technical matters of the present utility model is mainly solved by following technical proposals: the utility model comprises User login system, payment data storehouse system, settlement system, the User login system comprises at least one terminal device, this terminal device links to each other with user mobile phone is wireless, with wired or wireless linking to each other of payment data storehouse system, payment data storehouse system is connected on the settlement system again; Described user mobile phone can be a GSM mobile handset, the CDMA mobile phone, the GPRS mobile phone, 3G mobile, in the 4G cell phone any one or multiple mobile phone, user mobile phone can select to use SMS messaging, the IVR voice call, GPRS, EGPRS, 3G, any one communication technology among the CDMA is passed through note, WAP site, internet site, IVR voice call or the payment software that is installed on the user mobile phone send the feedback information that the commodity payment information carries out consumption and payment to the User login system and receives the User login system, described User login system is used to receive landing and payment information of above-mentioned user mobile phone, and be connected with payment data storehouse system and set up amount of money coded message and the cryptography information communicate by letter user profile and input by wired or wireless mode and send to the settlement management system and receive its feedback information with settlement system, described payment data storehouse system is used for storaging user data, the payment record data, amount of money data, businessman's data message, inquiry, statistics also realizes communication between User login system and the settlement system, described settlement system and payment data storehouse system set up and communicate by letters, user mobile phone is confirmed that the amount of money of payment in time transfers pay sale businessman.
As preferably, described User login system comprises User login module, authentication module, the information typing module that links to each other successively, the User login module is used to receive the user mobile phone logon information, authentication module is used to verify the authenticity of above-mentioned logon information, information typing module is used to receive the payment information that user mobile phone sends, and pass through payment data storehouse system and communicate by letter with settlement system foundation, payment information is sent to settlement system and receives its feedback information.
As preferably, described User login system comprises the safety guarantee module, the safety guarantee module is connected between described authentication module and the information typing module, the safety guarantee module is used for user mobile phone logon information and payment information are carried out encryption, guarantees the security of user mobile phone consumption.
As preferably, described User login system comprises the error correction load module, the error correction load module links to each other with described information typing module, the error correction load module is used for distinguishing whether the payment information that user mobile phone is sent conforms to businessman's data, the amount of money data of payment data storehouse system, then in time reminds user mobile phone change payment information as not conforming to.
As preferably, described payment data storehouse system comprises customer data base, the payment record database, amount of money database, merchant database, be connected with on the customer data base and agree payment affirmation module and cancellation payment affirmation module, described customer data base is used for the storage of user ID data, revise and management, described payment record database is used to store the payment data of successfully having paid, described amount of money database is used to pay the successfully storage of user's amount of money of back deduction, revise and management, described merchant database is used for the merchant identity data and transfers the storage of the Merchant Account amount of money, revise and management, described agreement payment affirmation module and cancellation payment affirmation module are respectively applied for the user and confirm payment and cancellation payment.
As preferably, described payment data storehouse system comprises identity modified module, payment cipher modification and the correction module that is connected on the described customer data base, the identity modified module is used for the modification and the management of user ID data, payment cipher is revised with correction module and is used to distinguish whether the payment cipher that the user sends over conforms to the original payment cipher of setting of user, then in time remind the user mobile phone payment cipher wrong as not conforming to, can not carry out the mobile-phone payment operation.
As preferably, described settlement system comprises a terminal device at least, this terminal device comprises continuous settlement handler module, clearing notification module, settlement handler module is connected with payment data storehouse system, the payment requirement that the timely process user mobile phone of settlement handler module sends, amount deducted is charged to the user mobile phone account, and this amount of money is in time transferred to selling businessman, and this result is immediately notified businessman and user mobile phone by the clearing notification module again.
As preferably, described settlement handler module comprises amount of money deduction/increase computing module, businessman's settlement management module, amount of money deduction/increase computing module is used for the payment requirement that the process user mobile phone sends, amount deducted is also charged to the user mobile phone account, and this amount of money is increased to the sale Merchant Account, in time transfer to selling businessman, businessman's settlement management module is used for revising and management businessman settlement accounts, and sends to merchant database.
Therefore, the utlity model has following advantage: 1, the user can realize mobile-phone payment by different approach; 2, rational in infrastructure, perfect in shape and function, processing speed is fast, can treat with a certain discrimination according to different users; 3, safety of payment; 4, man-machine conversation function is strong, and is easy for operation, and the dirigibility height is practical.
Description of drawings
Fig. 1 is a kind of system architecture diagram of the present utility model.
Fig. 2 is a kind of detail of construction of the present utility model.
1. user mobile phones among the figure, 2. User login system, 21. User login modules, 22. authentication module, 23. information typing module, 24. safety guarantee modules, 25. error correction load modules, 3. payment data storehouse system, 31. customer data base, 32. payment record databases, 33. amount of money databases, 34. merchant database, 35. agree the payment affirmation module, 36. cancellation payment affirmation modules, 37. identity modified modules, 38. payment cipher is revised and correction module, 4. settlement system, 41. settlement handler module, 42. clearing notification modules, 411. amount of money deduction/increase computing module, 412. businessmans settlement management module.
Embodiment
Below by embodiment, and in conjunction with the accompanying drawings, the technical solution of the utility model is described in further detail.
Embodiment 1: a kind of hyperchannel hand call payment system of present embodiment as shown in Figure 1, comprises User login system 2, payment data storehouse system 3, settlement system 4.User login system 2 comprises at least one terminal device, this terminal device and 1 wireless linking to each other of user mobile phone, and with 3 wired or wireless linking to each other of payment data storehouse system, payment data storehouse system 3 is connected on the settlement system 4 again.User mobile phone 1 can be any one or the multiple mobile phone in GSM mobile handset, CDMA mobile phone, GPRS mobile phone, 3G mobile, the 4G cell phone, and user mobile phone 1 can select to use any one communication technology among SMS messaging, IVR voice call, GPRS, EGPRS, 3G, the CDMA to send the feedback information that the commodity payment information carries out consumption and payment to User login system 2 and receives User login system 2 by note, WAP site, internet site, IVR voice call, the mobile-phone payment software that is installed on the user mobile phone 1.User login system 2 is used to receive landing and payment information of above-mentioned user mobile phone 1, and is connected with payment data storehouse system 3 and sets up the amount of money coded message and the cryptography information of communicating by letter user profile and input with settlement system 4 by wired or wireless mode and send to settlement system 4 and receive its feedback information.Payment data storehouse system 3 is used for storaging user data, payment record data, amount of money data, businessman's data message, inquiry, statistics and realize User login system 2 and settlement system 4 between communication.Settlement system 4 is set up with payment data storehouse system 3 and is communicated by letter, and user mobile phone 1 is confirmed that the amount of money of payment in time transfers to selling businessman.
As shown in Figure 2, User login system 2 comprises User login module 21, authentication module 22, safety guarantee module 24, the information typing module 23 that links to each other successively, also is connected with error correction load module 25 on the information typing module 23.User login module 21 is used to receive the logon information of user mobile phone; Authentication module 22 is used to verify the authenticity of above-mentioned logon information; Safety guarantee module 24 is used for user mobile phone logon information and payment information are carried out encryption, guarantees the security of user mobile phone consumption; Information typing module 23 is used to receive the payment information that user mobile phone 1 sends, and communicates by letter with settlement system 4 foundation by payment data storehouse system 3, and payment information is sent to settlement system 4 and receives its feedback information; Error correction load module 25 is used for distinguishing whether the payment information that user mobile phone is sent conforms to businessman's data, the amount of money data of payment data storehouse system, then in time reminds user mobile phone 1 change payment information as not conforming to.
As shown in Figure 2, payment data storehouse system 3 comprises customer data base 31, payment record database 32, amount of money database 33, merchant database 34, is connected with on the customer data base 31 to agree payment affirmation module 35, cancellation payment affirmation module 36, identity modified module 37, payment cipher modification and correction module 38.Customer data base 31 is used for storage, modification and the management of user ID data; Agree that payment affirmation module 35 and cancellation payment affirmation module 36 are respectively applied for the user and confirm payment and cancellation payment; Identity modified module 37 is used for the modification and the management of user ID data; Payment cipher is revised with correction module 38 and is used to distinguish whether the payment cipher that the user sends over conforms to the original payment cipher of setting of user, then in time reminds the user mobile phone payment cipher wrong as not conforming to, and can not carry out the mobile-phone payment operation.Payment record database 32 is used to store the payment data of successfully having paid; Amount of money database 33 is used to pay successfully storage, modification and the management of user's amount of money of back deduction; Merchant database 34 is used for the merchant identity data and transfers storage, modification and the management of the Merchant Account amount of money.
As shown in Figure 2, settlement system 4 comprises a terminal device at least, and this terminal device comprises continuous settlement handler module 41, clearing notification module 42, and settlement handler module 41 is connected with payment data storehouse system 3.The payment requirement that settlement handler module 41 timely process user mobile phones send, amount deducted is charged to the user mobile phone account, and this amount of money is in time transferred to selling businessman, and this result is immediately notified businessman and user mobile phone 1 by clearing notification module 42 again.In the present embodiment, settlement handler module 41 comprises amount of money deduction/increase computing module 411, businessman's settlement management module 412, amount of money deduction/increase computing module 411 is used for the payment requirement that the process user mobile phone sends, amount deducted is also charged to the user mobile phone account, and this amount of money is increased to the sale Merchant Account, in time transfer to selling businessman, businessman's settlement management module 412 is used for revising and management businessman settlement accounts, and sends to merchant database.
The utility model has been arranged, and the mobile phone that people can carry by oneself only needs to press corresponding key in the keyboard according to the prompting of mobile phone screen, just can pay to the purchase commodity.Save the cash or the bank card that must carry originally, alleviated the burden of carrying.The utility model perfect in shape and function, fast, the safety of payment of processing speed can be treated with a certain discrimination according to different user mobile phones, and the man-machine conversation function is strong, and is easy for operation, and the dirigibility height is practical.
Claims (3)
1. hyperchannel hand call payment system, it is characterized in that comprising User login system (2), payment data storehouse system (3), settlement system (4), User login system (2) comprises at least one terminal device, this terminal device and wireless linking to each other of user mobile phone (1), with wired or wireless linking to each other of payment data storehouse system (3), payment data storehouse system (3) is connected on the settlement system (4) again; Described user mobile phone (1) can be any one or the multiple mobile phone in GSM mobile handset, CDMA mobile phone, GPRS mobile phone, 3G mobile, the 4G cell phone.
2. a kind of hyperchannel hand call payment system according to claim 1, it is characterized in that described payment data storehouse system (3) comprises customer data base (31), payment record database (32), amount of money database (33), merchant database (34), described customer data base (31) is used for the storage of user ID data, revise and management, described payment record database (32) is used to store the payment data of successfully having paid, described amount of money database (33) is used to pay the successfully storage of user's amount of money of back deduction, revise and management, described merchant database (34) is used for the merchant identity data and transfers the storage of the Merchant Account amount of money, revise and management.
3. a kind of hyperchannel hand call payment system according to claim 1, it is characterized in that described settlement system (4) comprises a terminal device at least, this terminal device comprises continuous settlement handler module (41), clearing notification module (42), and settlement handler module (41) is connected with payment data storehouse system (3).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008201634273U CN201397551Y (en) | 2008-08-26 | 2008-08-26 | Multi-channel mobile-phone payment system |
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| CN2008201634273U CN201397551Y (en) | 2008-08-26 | 2008-08-26 | Multi-channel mobile-phone payment system |
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| CN201397551Y true CN201397551Y (en) | 2010-02-03 |
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| CN2008201634273U Expired - Fee Related CN201397551Y (en) | 2008-08-26 | 2008-08-26 | Multi-channel mobile-phone payment system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016083906A1 (en) * | 2014-11-27 | 2016-06-02 | Zhou Tiger | One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card |
| WO2017084442A1 (en) * | 2015-11-20 | 2017-05-26 | 华为技术有限公司 | Mobile payment method and apparatus |
-
2008
- 2008-08-26 CN CN2008201634273U patent/CN201397551Y/en not_active Expired - Fee Related
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016083906A1 (en) * | 2014-11-27 | 2016-06-02 | Zhou Tiger | One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card |
| CN107851247A (en) * | 2014-11-27 | 2018-03-27 | 周天格 | Single-tap payment, currency token interface, point of sale device and the electronic payment card of Tactile control are utilized by the message transmission on mobile device and wearable device and calling multimedia system |
| CN107851247B (en) * | 2014-11-27 | 2021-08-17 | 周天格 | Methods, systems, and computer readable media for messaging, calling, one-touch payments via mobile and wearable devices |
| WO2017084442A1 (en) * | 2015-11-20 | 2017-05-26 | 华为技术有限公司 | Mobile payment method and apparatus |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
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| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20100203 Termination date: 20120826 |