WO2013013341A1 - 行动装置付费方法 - Google Patents

行动装置付费方法 Download PDF

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Publication number
WO2013013341A1
WO2013013341A1 PCT/CN2011/001234 CN2011001234W WO2013013341A1 WO 2013013341 A1 WO2013013341 A1 WO 2013013341A1 CN 2011001234 W CN2011001234 W CN 2011001234W WO 2013013341 A1 WO2013013341 A1 WO 2013013341A1
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WO
WIPO (PCT)
Prior art keywords
user
management platform
flow management
account
gold flow
Prior art date
Application number
PCT/CN2011/001234
Other languages
English (en)
French (fr)
Inventor
萧政豪
Original Assignee
Hsiao Cheng-Hao
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hsiao Cheng-Hao filed Critical Hsiao Cheng-Hao
Priority to KR1020137004764A priority Critical patent/KR20130041974A/ko
Priority to EP11870057.4A priority patent/EP2608139A4/en
Priority to CN2011800400761A priority patent/CN103069446A/zh
Priority to JP2013525113A priority patent/JP2013536516A/ja
Priority to CA2809304A priority patent/CA2809304A1/en
Priority to AU2011373605A priority patent/AU2011373605A1/en
Priority to US13/818,977 priority patent/US20140040132A1/en
Priority to PCT/CN2011/001234 priority patent/WO2013013341A1/zh
Priority to SG2013009857A priority patent/SG187789A1/en
Publication of WO2013013341A1 publication Critical patent/WO2013013341A1/zh

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Classifications

    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/04—Recording calls, or communications in printed, perforated or other permanent form
    • H04M15/06—Recording class or number of calling, i.e. A-party or called party, i.e. B-party
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services

Definitions

  • the present invention relates to a micropayment transaction technique, and more particularly to a mobile device payment method, which enables a buyer to effectively control the amount of consumption and improve the security of the transaction.
  • Background technique
  • Bulletin No. 12542 30 is an instant messaging auction system
  • bulletin number 1229278 Is a computer transaction method and article transaction processing system
  • bulletin number 1 321760 is an Internet e-commerce
  • bulletin number 1 322386 is a kind of open communication network to make the remote Method for securing transactions executed
  • Bulletin No. 1 309 392 is a network payment method and system
  • the user mainly performs a payment action by a credit card or a bank's physical account, and in the course of use, it is easy to cause a credit card or a gold bank financial card due to a spy virus or a side record.
  • the problem of misappropriation, stolen brushing or card number leakage seriously affects the security of transactions, so there are still many shortcomings in the application of the prior art.
  • the existing methods of online transactions and mobile devices for micropayments do have some problems in actual use, and they cannot meet the actual needs of improving transaction security, so further improvements are needed. Summary of the invention
  • the object of the present invention is to provide a mobile device payment method, which can control the payment method of the action device to avoid excessive consumption and improve its economic efficiency.
  • a second object of the present invention is to provide a high security mobile device payment method, which can be double-verified, avoiding data leakage of credit card numbers and accounts, and improving transaction security.
  • the mobile device payment method capable of achieving the above object is a method for a user to use a mobile device to use a gold flow management platform as a stored value currency or a consumer use currency by using a mobile device, and the method for opening a user-specific number account includes the following steps :
  • the registrant uses the golden stream management platform to input a registered user's phone number and personal identification number under a service webpage registered on the online;
  • the mobile phone number is actively input with the registered phone number and the personal identification number is transmitted to the telecommunication company;
  • the telecommunications company performs a phone number authenticity check, and notifies the gold flow management platform of the real situation, and the gold flow management platform synchronously checks the short code to determine whether the registrant is a user;
  • the Gold Flow Management Platform automatically generates a set of numbers associated with the scam based on the registered phone number.
  • the payment of the present invention is that the buyer registers the personal account with the specific mobile device number before the transaction platform, and after verification, generates a number account combined with the anti-fraud code as the identification.
  • Virtual bank account for future stored value consumption, so that it can be confirmed by personal identification number and mobile device, avoiding illegal transactions, and buyers can effectively control the amount of consumption, so the invention is in "transaction security, consumption control and prevention Others are more effective than the existing ones, and can increase their added value.
  • 1 is a schematic structural diagram of a mobile device payment method according to the present invention, illustrating the composition of the present invention and its relative relationship;
  • 2 is a schematic block diagram of a payment method of the mobile device, for depositing money into a real account to a number account combined with an anti-fraud code;
  • FIG. 3 is a schematic diagram showing a flow of a user's unregistered personal account, that is, a stored value currency to a gold flow management platform in the mobile device payment method;
  • FIG. 4 is a schematic diagram showing a flow of a method for paying for a mobile phone using a number account combined with an anti-fraud code in the mobile device payment method.
  • the mobile device payment method provided by the present invention is that the user 1 uses the mobile device 11 (Mobile Device) to use the gold flow management platform 2 as the stored value currency or the consumption use currency through the Telecom Company 3 (Telecom Company). It is composed of a mobile device 11, a gold flow management platform 2, and a telecommunications company 3.
  • Mobile Device Mobile Device
  • Telecom Company 3 Telecom Company
  • the method of the cash flow management platform (Cash flow management platform) for opening the number account 21 exclusively used by the user 1 includes the following steps:
  • the registrant 1 uses the golden stream management platform 2 to enter a personal account number (Personal account number) under the service web page registered on the line, including personal data, and the phone number of the user 1 (eg, For the 0912345678) and personal identification of the 'J code (Personal identification code) (for 8888);
  • the golden stream management platform 1 receives the registration notice and transmits the short code (Brief code) to the user 1 and the telecommunications company 3 according to the telephone number;
  • the mobile phone 3 If the user 1 receives the short code through the webpage display or the mobile device 11, the mobile phone 3 is actively input with the registered telephone number and the personal identification number is transmitted to the telecommunication company 3;
  • the telecommunications company 3 performs a telephone number authenticity check (Plausibility check), and notifies the gold flow management platform 2 of the real situation (Real es tate), and the gold flow management platform 1 synchronously checks the short code to determine whether the registrant is a user. 1; Confirm that the user 1 personal data is the user name (Address name) for future stored value and consumption;
  • the gold flow management platform 2 automatically generates a set of numbered account 21 (Numbered account) combined with the scam code according to the registered phone number; the combined action automatically generated by the gold flow management platform 1
  • the number account 21 of the fraud code provides the real account 12 owned by the user 1 and the money is supplied to the user for one day and then used by the mobile device 11, as shown in FIG.
  • the gold flow management platform 2 uses the user's telephone number (Phone bers) as the identity verification (Ident i ty va ida t ion) for the user 1 to store Value currency or consumption currency. Since the telephone number is equal to the number account 21 of the personal-purpose combined anti-fraud code in the gold flow management platform 2, the gold flow management platform 2 can quickly and safely perform the comparison with the user 1's combined fraud-proof number account 21 and the stored value currency.
  • the user 1 uses the gold flow management platform 2 for the first time on the network, the user's phone number must be entered according to the index or prompt of the gold flow management platform 2 webpage, which will be
  • the web page of the stream management platform 2 displays a short code (for example, 911) and transmits the short code to the telecommunication company 3 in synchronization.
  • the E-mail management platform 2 webpage indicates that the user 1 actively inputs the short code (911) plus the personal identification number (8888) through the webpage display or the mobile device 11 to register the personal account number (0912345678).
  • the mobile device 11 is then operated to send a short message (or make a call) to the telecommunications company 3.
  • the telecommunication company 3 performs a phone number authenticity check to identify whether the user 1's mobile number and the international mobile subscriber identification code (Interna ti ona l Mob i le Subscr iber Ident i ty, IMS I) are User 1 to the telecommunications company 3 apply for a telephone number, whether the telephone number provided by the telecommunications company 3 is the same as the IMS I code on the subscriber identity card, and the gold stream management platform 2 checks the short code synchronously to determine whether the subscriber is ⁇ For user 1.
  • the international mobile subscriber identification code Interna ti ona l Mob i le Subscr iber Ident i ty, IMS I
  • the gold flow management platform 2 automatically generates a set of number accounts 21 (e.g., 55165 912345678) in conjunction with the scam based on the registered phone number.
  • the gold flow management platform 2 of the present invention in conjunction with the telecommunication company 3, provides data verification (Data va idat ion) for confirming the telephone number applied by the user 1 and the number account 21 incorporating the anti-fraud code in the gold flow management platform 2.
  • data verification Data va idat ion
  • the money in the physical account 12 (000247513588 (non-public information)) owned by the user 1 is transferred to the number account 21 of the user 1 possessing the anti-fraud code in the gold flow management platform 1 as the start-up prevention
  • the scam code number account 21 and instantly store the value in combination with the scam code number account 21 currency.
  • the user 1 when the stored value is used, the user 1 can use the network automatic depositing and dispensing machine (Web ATM) or the physical automatic depositing and dispensing machine (ATM), and the physical account owned by the user 1 when registering the personal account is 12 turns. Enter (or import the currency in the account) user 1 in the gold flow management platform 2 combined with the anti-fraud code number account 21; when the import amount is successful, the gold flow management platform 2 will send a newsletter to inform the user 1 the stored value combination The fraudulent number account 21 is successful, and the user 1 is informed of the deposit amount in the number account 21 combined with the fraud prevention code.
  • Web ATM network automatic depositing and dispensing machine
  • ATM physical automatic depositing and dispensing machine
  • the gold flow management platform 2 includes the following processing steps:
  • the system of the gold flow management platform 2 sets the entity account that the user 1 first imports into a binding account
  • the time streams message is sent by the gold flow management platform 2 to inform the user 1 that the user's phone number and personal identification number must be registered in the gold flow management platform 2 within the system setting time;
  • the gold flow management platform 2 receives the registration notice and transmits the short code according to the telephone number to the user 1 and the telecommunication company 3;
  • the mobile phone 3 If the user 1 receives the short code through the webpage display or the mobile device 11, the mobile phone 3 is actively input with the registered telephone number and the personal identification number is transmitted to the telecommunication company 3;
  • the telecommunication company 3 performs a phone number authenticity check, and notifies the gold flow management platform 2 of the real situation, and the gold flow management platform 2 synchronously checks the short code to determine whether the registrant ⁇ is the user 1;
  • the gold flow management platform 2 automatically generates a set of number accounts 21 combined with the anti-fraud code according to the registered phone number;
  • the gold flow management platform 2 regards the remitted currency as invalid and refunds the user 1 original remittance account.
  • the user 1 uses the number account 21 (55165912345678) in the gold flow management platform 2 in combination with the anti-fraud code to use the currency for the user 1 to use the number combined with the anti-fraud code.
  • the account 21 performs a network payment (such as: racquet, purchase point, online shopping, etc.) payment method, which includes the following steps:
  • the user 1 selects an online payment product by using the device, confirms the consumer product, and then selects the checkout; the user 1 uses the mobile device 11 to input an index or prompt of the merchant 4 webpage that is paid online. User 1's phone number;
  • the gold flow management platform 2 After receiving the user 1 consumption request, the gold flow management platform 2 distributes a set of transaction verification code (for example, 577) to the user 1 by the merchant 4 webpage; the user 1 follows the merchant 4 webpage.
  • the index or prompt sends the transaction verification code (577) plus the personal identification number (8888) back to the telecommunications company 3 through the mobile device 11 of the user 1;
  • the telecommunication company 3 performs the authenticity check of the telephone number (0912345678), and notifies the golden flow management platform 2 of the real situation, the golden flow management platform 2 synchronous verification transaction verification code (577) and the number account 21 combined with the anti-fraud code (55165) 912345678);
  • the gold flow management platform 2 also The transaction verification code (577) is judged to be in conformity, the data verification of the user 1's telephone number and the registered personal account is performed, the verification is followed by the guidance checkout screen, and the user 1 is notified that the number 1 account from the combination of the anti-fraud code will be used. (551 65 912 345678) deducting the amount of consumption;
  • the gold flow management platform 2 debits the number account 21 (55165 91 2 345678) combined with the anti-fraud code, and immediately notifies the merchant 4 to ship, and will The amount of consumption deducted by the consumer's number account 2 1 (55 1 65 91 2345678) combined with the anti-fraud code is immediately remitted into the merchant bank account 4 1 in the gold flow management platform 2.
  • the user 1 uses the mobile device 1 to use the number account 21 combined with the anti-fraud code in the gold flow management platform 2 to consume the use currency
  • the user 1 uses the number account 21 combined with the anti-fraud code to consume.
  • the method of payment which includes the following steps:
  • the user 1 provides a phone number to the merchant 4, and the merchant 4 requests the user 1 to the gold flow management platform 2 to consume;
  • the gold flow management platform 2 After receiving the user 1 consumption request, the gold flow management platform 2 dispatches a set of transaction verification codes to the merchant 4 and the user 1;
  • the user 1 adds the transaction verification code to the personal identification number, and transmits it back to the telecommunications company 3 through the mobile device 1 1 of the user 1;
  • the telecommunication company 3 performs a phone number authenticity check, and notifies the gold flow management platform 2 of the real situation, and the gold flow management platform 1 synchronizes the verification transaction verification code with the number account 21 combined with the anti-fraud code; if the telecommunication company 3 determines the phone number To be true, the gold flow management platform 2 also determines that the transaction verification code is consistent, performs data verification of the user 1's phone number and the registered personal account, and verifies that the matching check screen is displayed;
  • the gold flow management platform 2 deducts the amount from the number account 21 combined with the anti-fraud code, and immediately immediately remits the consumption amount deducted by the number account 21 of the consumer combined with the anti-fraud code into the gold flow management platform.
  • merchant bank account 41 within 1.
  • the invention needs to store the value of the consumption in the virtual account first, which has a restraining effect in the invisible, and there is no micropayment of the general mobile device due to the user's personal consumption habit, which is easy to cause unconsciously spending too much.
  • the problem is that the bill is issued by the gold flow management platform, not with the phone bill, so the overall consumer privacy is high.
  • the present invention can immediately inform the user of the amount in the virtual account of the mobile device, and how many accounts How much deposit is spent on deposits, controlling the consumption of users.
  • the invention directly receives payment by the gold flow management platform, and does not need to pass the telecommunication company. Therefore, unlike the mobile device (or mobile phone), the small payment is mostly handled by the financial company, and in addition to paying the commodity fee, the handling fee is also paid. Therefore, the present invention can save unnecessary expenses.
  • the stored value and consumption of the present invention require a user identification code and a mobile device, and the user does not have to consider the problem of theft or theft of the credit card or the financial card or the leakage of the card number, so that the consumption is more secure.
  • the merchant of the present invention is not only an online merchant but also a physical store.
  • the payment is made by the virtual account of the mobile device, so that the user does not need to bring too much cash to protect the user. Personal safety.

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  • General Business, Economics & Management (AREA)
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Abstract

本发明公开一种行动装置付费方法，特别是指一种控消费、且安全性高的行动装置付费方法，而所述付费方法是使用者先于金流管理平台中利用行动装置号码注册个人帐号，且在经验证后产生一以所述行动装置号码作为识别的号码帐户，以供日后使用者储值消费使用，由此，可通过号码帐户与行动装置进行使用者身份确认，如此不仅使用者可有效管控消费额，且不论储值或消费都需验证，不致发生信用卡盗用、盗刷、外漏或金融转帐诈骗的问题，大幅提高交易的安全性。

Description

行动装置付费方法 技术领域
本发明是关于一种小额付款的交易技术， 具体而言是一种行动装置付费方 法， 其能供买家有效管控消费额， 并能提升交易的安全性。 背景技术
一般通过行动装置进行小额付费时， 因使用者个人消费习惯不良， 容易造 成不知不觉花费太多； 且许多年轻用户帐单由父母代缴， 且电话帐单消费隐私 性低， 对使用者个人均是一种负担。 再者行动装置小额付费大多经由财经公司 处理， 除了支付商品费用外， 还要支付手续费， 积少成多不知不觉对使用者经 济造成压力。
再者， 近年来受到网络科技发展迅速、 且应用普及的影响， 使网络购物成 为现代人消费管道之一， 各种拍卖、 网售的网站也随之兴起， 在传统的网络购 物的网站技术中， 并无法提供一个完整安全有保障的交易平台， 许多诈骗行为 发生， 如： 买家已付款、 却收不到物品， 或者卖家已寄出货品、 欲收不到款项， 又或卖家以不实的广告欺骗买家， 甚至可能以他人名义或信用卡数据做假买卖， 又或因买、 卖家登录数据不完整， 使网络交易平台的管理者无法管制， 造成在 拍卖或购物网站上的交易存在有较大的风险性。
为了解决这些网络交易的风险， 业者开发有各种不同的网络交易安全装置、 货物寄送管控流程与金流方式等， 如中国台湾省公告号 12542 30 是一种即时通 讯拍卖系统、 公告号 1229278 是一种利用电脑的物品交易方法及物品仲介交易 处理系统、 公告号 1 321760 是一种互联网络电子商务、 拍卖交易确认方法与计 算、 公告号 1 322386是一种于开放通讯网络中使远端执行的交易安全化的方法、 公告号 1 309 392是一种网络付款方法及系统、 公告第 M32921 3是一种具信用管 制功能的网络拍卖机构及公告第 M361 066 是一种网络交易的商品付款及配送装 置等等；
但前述的网络交易系统或方法中， 使用者主要是以信用卡或银行的实体帐 户进行付款动作， 在使用的过程中容易因间谍病毒或侧录等不防因素， 造成信 用卡或金银行金融卡遭到盗用、 盗刷或是卡号外漏的问题， 严重影响的交易的 安全， 所以在现有技术的应用中， 仍存在多项的缺失。 换言之， 现有网络交易及行动装置小额付款的方式在实际使用上， 确实存 在有若干问题， 并无法满足提升交易安全的实际需求， 故有待进一步的改良。 发明内容
本发明的目的即在于提供一种行动装置付费方法， 可管控消费额的行动装 置付费方法， 以避免过度的消费， 提升其经济效益。
本发明的次一目的是在于提供一种高安全性的行动装置付费方法， 其能经 过双重验证， 避免信用卡卡号及帐户的数据外漏， 提升交易的安全。
可达成上述发明目的的行动装置付费方法， 是使用者使用行动装置通过电 信公司以金流管理平台为储值货币或消费使用货币， 其开通使用者专用的号码 帐户的方法， 是包括有以下步骤：
注册者利用所述金流管理平台在所述线上注册的一服务网页下输入一注册 使用者的电话号码与个人识别码；
所述金流管理平台接收注册通知并根据所述电话号码派发简码分别传送给 使用者与电信公司；
若使用者有接收到简码， 则以注册的电话号码主动输入简码加上个人识别 码传送至电信公司；
所述电信公司进行电话号码真实性检查， 并将真实状况通知金流管理平台， 金流管理平台同步检查简码以确定注册者是否为使用者；
若注册者为使用者， 则金流管理平台依照注册的电话号码自动产生一组结 合防诈骗码的号码帐户。
由此， 通过前述技术手段的具体实现， 让本发明的付费是买家先于交易平 台中利用特定行动装置号码注册个人帐号， 且在经验证后产生一结合防诈骗码 的号码帐户作为识别的虚拟银行帐户， 以供日后储值消费使用， 如此可通过个 人识别码与行动装置进行确认， 避免不法交易， 且买家可有效管控消费额， 故 本发明在 「交易安全性、 消费管控及防个资外漏」 等方面较现有者更具功效的 增进， 而能提高其附加价值。 附图说明
图 1 为本发明行动装置付费方法的架构示意图， 供说明本发明的组成及其 相对关系； 图 2 为所述行动装置付费方法的流程方块示意图， 供实质帐户存入货币至 结合防诈骗码的号码帐户；
图 3 为所述行动装置付费方法中使用者未经注册个人帐号即先储值货币到 金流管理平台的流程方块示意图；
图 4 为所述行动装置付费方法中使用者使用结合防诈骗码的号码帐户来消 费使用货币的流程方块示意图。
附图标记说明： 1-使用者； Γ -注册者； 11-行动装置； 12-实质帐户； 2- 金流管理平台； 21-号码帐户； 3-电信公司； 4-商家； 41-商家银行帐户。 具体实施方式
请参阅图 1， 本发明所提供的行动装置付费方法， 是使用者 1使用行动装置 11 (Mobile Device)通过电信公司 3 (Telecom Company)以金流管理平台 2为储值 货币或消费使用货币， 为由行动装置 11、 金流管理平台 2、 电信公司 3所构成。
所述金流管理平台 2 (Cash flow management platform)其开通使用者 1专 用的号码帐户 21的方法， 是包括有以下步骤：
注册者 1，利用所述金流管理平台 2在所述线上注册的一服务网页下输入一 注册个人帐号（Personal account number) , 包含个人数据、 使用者 1的电话号 码（Phone numbers) (如为 0912345678)与个人识另 'J码（Personal identification code) (如为 8888)；
所述金流管理平台 1 接收注册通知并根据所述电话号码派发简码（Brief code)分别传送给使用者 1与电信公司 3;
若使用者 1通过网页显示或行动装置 11有接收到简码， 则以注册的电话号 码主动输入简码加上个人识别码传送至电信公司 3；
所述电信公司 3 进行电话号码真实性检查（Plausibility check) , 并将真 实状况（Real es tate)通知金流管理平台 2, 金流管理平台 1 同步检查简码以确 定注册者 Γ是否为使用者 1;确认使用者 1个人数据为用户姓名（Address name) 供日后储值、 消费使用；
若注册者 Γ 为使用者 1, 则金流管理平台 2依照注册的电话号码自动产生 一组结合防祚骗码的号码帐户 21 (Numbered account)； 所述金流管理平台 1 自 动产生的结合防诈骗码的号码帐户 21,提供使用者 1所拥有的实质帐户 12 (Real account)存入货币（Money)供给使用者 1 日后于行动装置 11使用， 如图 2所示。 当使用金流管理平台 2 小额付费时， 所述金流管理平台 2 以用户电话号码 (Phone 議 bers)作为身份验证（Ident i ty va l ida t ion) , 以供曰后使用者 1 储 值货币或消费使用货币。 因为电话号码等于金流管理平台 2 中个人专用结合防 诈骗码的号码帐户 21， 使金流管理平台 2得以快速安全进行比对使用者 1的结 合防诈骗码的号码帐户 21与储值货币。
开通金流管理平台 2 小额付费的方法， 当使用者 1初次在网络使用金流管 理平台 2 , 需依照金流管理平台 2网页的索引或提示输入使用者 1的电话号码， 此时将由金流管理平台 2网页端显示简码（如为 911)并同步派发简码传送给电信 公司 3。 次之， 依金流管理平台 2网页指示， 由使用者 1通过网页显示或行动装 置 11 以注册个人帐号时的电话号码（0912345678)主动输入简码（911)加上个人 识别码（8888) ,并再操作行动装置 11发送简讯（或拨打电话）传送至电信公司 3。 又， 所述电信公司 3进行电话号码真实性检查， 为电信公司 3辨识使用者 1 的 行动号码与 国 际行动用 户 辨识码 （Interna t i ona l Mob i le Subscr iber Ident i ty, IMS I)是否为使用者 1至所述电信公司 3 申请电话号码， 所述电信公 司 3所提供电话号码与用户识别卡上的 IMS I码是否相同， 且金流管理平台 2同 步检查简码以确定注册者 Γ 是否为使用者 1。 最后， 若注册者 1， 为使用者 1 , 则金流管理平台 2 依照注册的电话号码自动产生一组结合防诈骗码的号码帐户 21 (如为 55165 912345678)。 其中， 本发明的所述金流管理平台 2结合电信公司 3提供确认使用者 1申请的电话号码与金流管理平台 2内结合防诈骗码的号码帐 户 21的数据验证（Data va l idat ion) , 以比对其真实性与正确性，也一并将 IMSI 码由电信公司 3设定， 通过电信网络传输不会有侧录风险。 再由使用者 1 所拥 有的实质帐户 12 (000247513588 (非公开资讯））内货币转入至金流管理平台 1 内 使用者 1所拥有的结合防诈骗码的号码帐户 21 , 做为启动结合防诈骗码的号码 帐户 21并即时储值结合防诈骗码的号码帐户 21的货币。
如图 2所示， 储值时使用者 1能通过网络自动存提款机（Web ATM)或实体自 动存提款机（ATM) , 由使用者 1注册个人帐号时所拥有的实质帐户 12转入（或将 帐户内货币汇入）使用者 1于金流管理平台 2结合防诈骗码的号码帐户 21 ; 当汇 入金额成功后， 金流管理平台 2会发送简讯告知使用者 1储值结合防诈骗码的 号码帐户 21成功， 同时告知使用者 1结合防诈骗码的号码帐户 21 内的存款金 额。 上述步骤即完成储值程序。
如图 3所示， 若所述使用者 1 未经注册个人帐号即先储值货币到金流管理 平台 2, 所述金流管理平台 2是包括以下处理步骤：
所述金流管理平台 2 的系统将设定使用者 1其首次汇入的实体帐号为绑定 帐号；
次之， 并由金流管理平台 2 发送时效性简讯（Timeliness Message) , 通知 使用者 1须于系统设定时间内至金流管理平台 2 内注册使用者 1 的电话号码与 个人识别码；
另， 所述金流管理平台 2 接收注册通知并根据所述电话号码派发简码分别 传送给使用者 1与电信公司 3;
若使用者 1通过网页显示或行动装置 11有接收到简码， 则以注册的电话号 码主动输入简码加上个人识别码传送至电信公司 3;
所述电信公司 3 进行电话号码真实性检查， 并将真实状况通知金流管理平 台 2， 金流管理平台 2同步检查简码以确定注册者 Γ 是否为使用者 1;
若注册者 Γ 为使用者 1, 则金流管理平台 2依照注册的电话号码自动产生 一组结合防诈骗码的号码帐户 21;
若使用者 1 未在系统设定时间内至金流管理平台 2 完成注册， 则金流管理 平台 2将此汇入储值货币视为无效， 并退款至使用者 1原汇款帐号。
请进而参考图 4, 所述使用者 1以行动装置 11使用金流管理平台 2 内结合 防诈骗码的号码帐户 21 (55165912345678)来消费使用货币， 以供使用者 1使用 结合防诈骗码的号码帐户 21进行网络消费（如： 网拍、 购买点数、 网络购物等） 付款的方法， 其是包括有以下步骤：
使用者 1利用装置选取一线上付款的商品， 确认所述消费商品后点选结帐； 使用者 1利用所述行动装置 11在所述线上付款的一商家 4网页的索引或提 示下输入一使用者 1的电话号码；
所述金流管理平台 2 收到使用者 1 消费请求后， 即派发一组交易验证码 (Transaction certification code) (如为 577)由商家 4网页显示给使用者 1; 使用者 1依照商家 4网页的索引或提示将交易验证码（577)加上个人识别码 (8888)通过使用者 1的行动装置 11回传传送至电信公司 3;
所述电信公司 3 进行电话号码（0912345678)真实性检查， 并将真实状况通 知金流管理平台 2， 金流管理平台 2 同步验证交易验证码（577)与结合防诈骗码 的号码帐户 21 (55165 912345678)；
若电信公司 3判断电话号码（0912345678)为真实， 所述金流管理平台 2也 判定交易验证码（577)相符合， 进行使用者 1的电话号码与所注册个人帐号的数 据验证， 验证相符合后导向结帐画面， 并告知使用者 1 将从结合防诈骗码的号 码帐户 21 (551 65 912 345678)扣除消费金额；
若所述交易确定（C l os e-t he- dea l )， 则金流管理平台 2 从结合防诈骗码的 号码帐户 21 (55165 91 2 345678)扣款， 同时立即通知商家 4出货， 并将消费者的 结合防诈骗码的号码帐户 2 1 (55 1 65 91 2345678)所扣除的消费金额即时汇入金流 管理平台 2内的商家银行帐户 4 1 内。
再者， 当所述使用者 1以行动装置 1 1使用金流管理平台 2内结合防诈骗码 的号码帐户 21来消费使用货币，以供使用者 1使用结合防诈骗码的号码帐户 21 进行消费付款的方法， 其是包括有以下步骤：
使用者 1提供电话号码给商家 4，商家 4向金流管理平台 2请求使用者 1消 费；
所述金流管理平台 2 收到使用者 1 消费请求后， 即派发一组交易验证码给 商家 4与使用者 1 ;
使用者 1将交易验证码加上个人识别码， 通过使用者 1的行动装置 1 1回传 传送至电信公司 3 ;
所述电信公司 3 进行电话号码真实性检查， 并将真实状况通知金流管理平 台 2， 金流管理平台 1同步验证交易验证码与结合防诈骗码的号码帐户 21 ; 若电信公司 3判断电话号码为真实， 所述金流管理平台 2也判定交易验证 码相符合， 进行使用者 1 的电话号码与所注册个人帐号的数据验证， 验证相符 合后导向结帐画面；
若所述交易确定， 则金流管理平台 2从结合防诈骗码的号码帐户 21扣款， 同时立即将消费者的结合防诈骗码的号码帐户 2 1所扣除的消费金额即时汇入金 流管理平台 1内的商家银行帐户 41 内。
本发明所提供的行动装置付费方法， 与其他现有技术相互比较时， 更具有 下列的优点：
1、 本发明需先将消费额储值于虚拟帐户中， 无形间产生一种约束作用， 不 会有一般行动装置小额付费因使用者个人消费习惯不良， 而容易造成不知不觉 花费太多的问题； 且帐单是由金流管理平台统一出具， 不是与电话帐单一起出 帐， 故整体的消费隐私性高。
2、 本发明可将行动装置的虚拟帐户内的金额即刻告知使用者， 帐户有多少 存款就花多少存款， 管控使用者的消费量。
3、 本发明是由金流管理平台直接收付款， 无需通过电信公司， 故不像行动 装置（或行动电话）小额付费大多经由财经公司处理， 除了支付商品费用外， 还 要支付手续费， 因此本发明可节省不必要的费用支出。
4、 本发明的储值跟消费都需要使用者证认码以及行动装置， 使用者不必考 虑信用卡或金融卡被盗用、 盗刷或是卡号外漏的问题， 让消费更安心。
5、 再者本发明的商家不仅是网络商家， 也可以是实体店家， 买家消费时只 要告付款方式后， 即用行动装置的虚拟帐户付款， 让使用者外出身上不用带太 多现金， 保护个人安全。
以上说明对本发明而言只是说明性的， 而非限制性的， 本领域普通技术人 员理解， 在不脱离以下所附权利要求所限定的精神和范围的情况下， 可做出许 多修改， 变化， 或等效， 但都将落入本发明的保护范围内。

Claims

权利要求
1、 一种行动装置付费方法， 其特征在于， 是使用者使用行动装置通过电信 公司以金流管理平台为储值货币或消费使用货币， 其开通使用者专用的号码帐 户的方法， 是包括有以下步骤：
注册者利用所述金流管理平台在线上注册的一服务网页下输入一注册使用 者的电话号码与个人识别码；
所述金流管理平台接收注册通知并根据所述电话号码派发简码分别传送给 使用者与电信公司；
若使用者有接收到简码， 则以注册的电话号码主动输入简码加上个人识别 码传送至电信公司；
所述电信公司进行电话号码真实性检查， 并将真实状况通知金流管理平台， 金流管理平台同步检查简码以确定注册者是否为使用者；
若注册者为使用者， 则金流管理平台依照注册的电话号码自动产生一组结 合防诈骗码的号码帐户。
2、 如权利要求 1所述的行动装置付费方法， 其特征在于， 所述使用者能将 所拥有的实质帐户内货币转入至金流管理平台内使用者所拥有的号码帐户， 做 为启动号码帐户并即时储值号码帐户的货币。
3、 如权利要求 1所述的行动装置付费方法， 其特征在于， 所述使用者以行 动装置使用金流管理平台内结合防诈骗码的号码帐户来消费使用货币， 以供使 用者使用号码帐户进行网络消费付款的方法， 其是包括有以下步骤：
使用者利用装置选取一线上付款的商品；
使用者利用所述行动装置在所述线上付款的一商家网页下输入一电话号 码；
所述金流管理平台收到使用者消费请求后， 即派发一组交易验证码由商家 网页显示给使用者；
使用者依照商家网页的索引或提示将交易验证码加上个人识别码， 通过使 用者的行动装置回传传送至电信公司；
所述电信公司进行电话号码真实性检查， 并将真实状况通知金流管理平台， 金流管理平台同步验证交易验证码与号码帐户；
若电信公司判断电话号码为真实， 所述金流管理平台也判定交易验证码相 符合， 进行使用者的电话号码与所注册个人帐号的数据验证， 验证相符合后导 向结帳画面；
若所述交易确定， 则金流管理平台从结合防诈骗码的号码帐户扣款， 同时 立即通知商家出货， 并将消费者的号码帐户所扣除的消费金额即时汇入金流管 理平台内的商家银行帐户内。
4、 如权利要求 1所述的行动装置付费方法， 其特征在于， 所述使用者以行 动装置使用金流管理平台内结合防诈骗码的号码帐户来消费使用货币， 以供使 用者使用号码帐户进行消费付款的方法， 其是包括有以下步骤：
使用者提供电话号码给商家， 商家向金流管理平台请求使用者消费； 所述金流管理平台收到使用者消费请求后， 即派发一组交易验证码给商家 与使用者；
使用者将交易验证码加上个人识别码， 通过使用者的行动装置回传传送至 电信公司；
所述电信公司进行电话号码真实性检查， 并将真实状况通知金流管理平台， 金流管理平台同步验证交易验证码与号码帐户；
若电信公司判断电话号码为真实， 所述金流管理平台也判定交易验证码相 符合， 进行使用者的电话号码与所注册个人帐号的数据验证， 验证相符合后导 向结帳画面；
若所述交易确定， 则金流管理平台从号码帐户扣款， 同时立即将消费者的 号码帐户所扣除的消费金额即时汇入金流管理平台内的商家银行帐户内。
5、 一种行动装置付费方法， 其特征在于， 是使用者使用行动装置以金流管 理平台为储值货币或消费使用货币， 若所述使用者未经注册即先储值货币到金 流管理平台， 所述金流管理平台是包括以下处理步骤：
所述金流管理平台的系统将设定使用者其首次汇入的实体帐号为绑定帐 号；
所述金流管理平台发送时效性简讯， 通知使用者须于系统设定时间内至金 流管理平台内注册使用者的电话号码与个人识别码；
所述金流管理平台接收注册通知并根据所述电话号码派发筒码分别传送给 使用者与电信公司；
若使用者有接收到简码， 则以注册的电话号码主动输入简码加上个人识别 码传送至电信公司；
所述电信公司进行电话号码真实性检查， 并将真实状况通知金流管理平台， 金流管理平台同步检查简码以确定注册者是否为使用者；
若注册者为使用者， 则金流管理平台依照注册的电话号码自动产生一组结 合防诈骗码的号码帐户；
若使用者未于系统设定时间内至金流管理平台完成注册， 则金流管理平台 将此汇入储值货币视为无效， 并退款至使用者原汇款帐号。
PCT/CN2011/001234 2011-07-27 2011-07-27 行动装置付费方法 WO2013013341A1 (zh)

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CA2809304A1 (en) 2013-01-31
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