WO2014032206A1 - 一种快速支付系统和相应方法 - Google Patents

一种快速支付系统和相应方法 Download PDF

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Publication number
WO2014032206A1
WO2014032206A1 PCT/CN2012/001212 CN2012001212W WO2014032206A1 WO 2014032206 A1 WO2014032206 A1 WO 2014032206A1 CN 2012001212 W CN2012001212 W CN 2012001212W WO 2014032206 A1 WO2014032206 A1 WO 2014032206A1
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WO
WIPO (PCT)
Prior art keywords
payment
customer
processing center
transaction processing
pos machine
Prior art date
Application number
PCT/CN2012/001212
Other languages
English (en)
French (fr)
Inventor
黄金富
Original Assignee
Wong Kamfu
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 Wong Kamfu filed Critical Wong Kamfu
Priority to CN201280074781.8A priority Critical patent/CN104541311A/zh
Priority to PCT/CN2012/001212 priority patent/WO2014032206A1/zh
Publication of WO2014032206A1 publication Critical patent/WO2014032206A1/zh
Priority to HK15108102.1A priority patent/HK1208281A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Definitions

  • the present invention relates to financial payment techniques, and more particularly to a fast payment system and corresponding method.
  • the current bank card payment system from the start of the card to the completion of payment, needs to go through the merchant P0S machine, the acquiring bank, the credit card network, the card issuing bank, and the issuing bank authorizes the payment transaction, and then returns the approval authorization through the original way.
  • the communication process when the payment request is initiated includes: communication between the merchant POS machine and the acquiring bank, communication between the acquiring bank and the credit card network, communication between the credit card network and the issuing bank, and approval of the payment transaction.
  • the communication process of returning the batch result includes: communication between the issuing bank and the credit card network, communication between the credit card network and the receipt 4, communication between the receipt and the merchant POS machine, due to the entire process It involves more than ten seconds to tens of seconds for a number of different networks and servers. For some merchants with frequent transactions, such as supermarkets and department stores, it often causes queues to wait for payment. How to speed up the entire bank card payment process and reduce the time it takes to use bank card payment is a problem to be solved. [Summary of the Invention]
  • the object of the present invention is achieved by the use of a payment system, characterized in that the system comprises a POS transaction processing center (1), and each card issuing bank having a bank card account of each customer (2) , a P0S machine (3) installed in each merchant, and a mobile phone network (4), wherein the P0S machine (3) accesses the P0S machine through the mobile phone network (4)
  • POS Transaction Processing Center (1) has a credit amount database (5), P0S machine transaction processing center (1) is connected with each card issuing bank (2) data link, and, the credit
  • the amount database (5) is provided with a pre-authorized credit amount of each customer, each pre-authorized credit amount is associated with a bank card account of the customer, and, when the customer makes a payment at the merchant, the merchant passes the POS machine (3) Obtaining the account number of the customer's bank card account, and then transmitting the transaction information including the account number and the payment amount to the POS transaction processing center (1), and the P0S machine transaction processing center (1) finds the associated number based on the account number.
  • the P0S machine transaction processing center (1) approves the payment transaction, and subtracts the payment amount from the pre-authorized credit amount. And notifying the P0S machine (3) that the payment is successful; at the time of settlement, the P0S machine transaction processing center (1) collects the payment amount from the bank card account of the issuing bank (2) corresponding to the account number After deducting fees and commissions and other expenses deposited into the merchant's bank account.
  • a payment system method is further characterized in that: the method comprises: setting a POS machine transaction processing center (1), and the POS machine transaction processing center (1) is provided with a credit amount database (5), and the credit is provided.
  • the amount database (5) is provided with a pre-authorized credit amount of each customer, each pre-authorized credit amount is associated with a bank card account of the customer, and, when the customer makes a payment at the merchant, the merchant passes the POS machine (3) Obtaining the account number of the customer's bank card account, and then transmitting the transaction information including the account number and the payment amount to the POS transaction processing center (1), and the P0S machine transaction processing center (1) finds the associated number based on the account number.
  • the P0S machine transaction processing center (1) approves the payment transaction, and subtracts the payment amount from the pre-authorized credit amount. And notify the POS machine (3) that the payment was successful.
  • the POS machine (3) directly communicates with the POS machine transaction processing center (1) through the mobile telephone network (4) for point-to-point data communication, and the transaction information is directly transmitted from the POS machine (3) to the POS machine transaction processing center.
  • the P0S machine transaction processing center (1) approves the transaction, it directly returns the result to the P0S machine (3), notifying the P0S machine (3) that the payment is successful, the whole process can be In one second, compared with the current general bank card swiping process, the speed is more than ten times faster, which completely solves the problem of slow payment of bank card swiping.
  • FIG. 1 is a schematic explanatory view showing the structure of a payment system of the present invention
  • FIG. 2 is a schematic explanatory diagram of steps of a payment system method of the present invention.
  • FIG. 3 is a schematic explanatory diagram of the steps of the first embodiment of the payment system method of the present invention
  • Figure 4 is a schematic explanatory view of the steps of the second embodiment of the payment system method of the present invention
  • Figure 5 is a diagram of the payment system method of the present invention BRIEF DESCRIPTION OF THE DRAWINGS
  • FIG. 6 is a schematic explanatory diagram showing the steps of a fourth embodiment of the payment system method of the present invention.
  • FIG. 1 is a schematic diagram showing the structure of a payment system of the present invention.
  • the system shown in FIG. 1 includes a POS transaction processing center (1), and each card issuing bank having a bank card account of each customer (2) ), a P0S machine (3) installed in each merchant, and a mobile phone network (4), wherein the P0S machine (3) accesses the P0S machine transaction processing center through the mobile phone network (4)
  • P0S machine transaction processing center (1) has a credit amount database (5), P0S machine transaction processing center (1) and each card issuing bank (2) data link connection, and, the credit amount database
  • each pre-authorized credit amount is associated with a bank card account of the customer, and, when the customer makes a payment at the merchant, the merchant passes the P0S machine
  • the P0S machine transaction processing center (1) Finding the associated pre-authorized credit amount based on the account number, and verifying that the pre-authorized credit amount is sufficient for the payment to be correct, the P0S machine transaction processing center (1) approves the payment transaction, and The pre-authorized credit amount is subtracted from the payment amount, and the POS machine is notified (3) that the payment is successful; at the time of settlement, the POS transaction processing center (1) is charged from the bank card account of the issuing bank (2) corresponding to the account number. The amount of money paid is credited to the bank account of the merchant after deducting fees and commissions.
  • the payment processing network service is provided by the POS transaction processing center (1), and each card issuing bank (2) needs to be connected with the POS transaction processing center (1) data link in advance, and also needs to be in advance in the credit amount database. (5) Set the pre-authorized credit amount of the bank card account of the issuing bank (2), which is the pre-authorized credit amount by the P0S machine transaction processing center (1) and the issuing bank.
  • P0S machine transaction processing center (1) will automatically deduct the payment amount in the pre-authorized credit amount after each payment transaction, and the issuing bank (2) can modify this according to the latest situation of the customer.
  • the pre-authorized credit amount for example, after the settlement, the issuing bank (2) can immediately increase the pre-authorized credit amount to a predetermined level, so that the customer can continue the payment transaction.
  • the P0S machine transaction processing center (1) needs to communicate with each P0S machine (3) via the Internet connection mobile phone network (4), in order to speed up communication between the P0S machine transaction processing center (1) and the P0S machine (3).
  • the response speed ideally, is to set the P0S machine transaction processing center (1) in the mobile phone network (4), so that the P0S machine (3) can directly connect to the P0S machine transaction processing center through the mobile phone network (4) (1) ), the communication path between the two is shortened as much as possible, thus speeding up the communication speed of both parties.
  • the P0S machine transaction processing center (1) can be set according to the geographical division.
  • each province and city sets up a P0S machine transaction processing center (1) to serve the P0S machine (3) in the province and the city, and for example, each country setting A P0S machine transaction processing center (1) serves the P0S machine (3) in the country.
  • it can be partitioned by mobile phone network.
  • Each mobile phone network is provided with a P0S machine transaction processing center (1). Is to set up the P0S machine transaction processing center (1) according to the mobile phone network, this The communication between the POS machine transaction processing center (1) and the POS machine (3) achieves the fastest response speed.
  • the POS transaction processing center (1) shown in FIG. 1 is connected to other payment networks, such as VISA credit cards, in addition to the data link of the mobile telephone network (4) and each card issuing bank (2).
  • Some existing credit card payment networks such as the Internet, MasterCard credit card network, China UnionPay network, etc., make the system of the present invention fully compatible with existing general credit card payment networks.
  • the bank card used by the customer does not set the associated pre-authorized credit amount in the credit amount database (5), for example, the customer uses some foreign credit card for payment
  • the P0S machine transaction processing center (1) will pay the transaction information. Transferred to other payment networks, the payment process is carried out in the manner of existing general credit card payment. Since this part is prior art and is not the main content of the present invention, it will not be described in further detail in this specification.
  • FIG. 2 is a schematic explanatory diagram of the steps of the payment system method of the present invention.
  • the packet processing processing center (1) shown in FIG. 1 and the transaction processing center (1) of the P0S machine are provided with the credit amount.
  • the database (5), the credit amount database (5) is provided with a pre-authorized credit amount of each customer, each pre-authorized credit amount is associated with a bank card account of the customer, and, when the customer makes a payment at the merchant, The merchant obtains the account number of the customer's bank card account through the POS machine (3), and then transmits the transaction information including the account number and the payment amount to the POS transaction processing center (1), and the P0S machine transaction processing center (1) according to the The account number finds the associated pre-authorized credit amount, and after verifying that the pre-authorized credit amount is sufficient for the payment to be made, the P0S machine transaction processing center (1) approves the payment transaction, and the pre-authorization credit amount The payment amount is subtracted, and the payment is notified to the POS machine (3).
  • the P0S machine transaction processing center (1) collects the payment amount from the bank card account of the card issuing bank (2) according to the payment transaction, and deposits the fee into the merchant after deducting the fee and commission.
  • the bank account, and the issuing bank (2) can increase the pre-authorized credit amount of the customer according to the customer's condition to the level before the customer performs the payment transaction, so that the customer can continue the payment transaction.
  • the POS transaction processing center (1) can settle the transaction immediately after the transaction is completed, so that the merchant can immediately receive the funds from the transaction.
  • FIG. 3 is a schematic diagram showing the steps of a first embodiment of the payment system method of the present invention.
  • the embodiment shown in FIG. 3 includes the following group A steps:
  • the P0S machine (3) transmits the transaction information including the account number and the payment amount to the P0S machine transaction processing center (1);
  • the P0S machine transaction processing center (1) finds the associated pre-authorized credit amount based on the account number, and after verifying that the pre-authorized credit amount is sufficient for the payment to be correct, the P0S machine transaction processing center (1) approves the Paying the transaction, and subtracting the payment amount from the pre-authorized credit amount, and notifying the POS machine (3) that the payment is successful; A4. At the time of settlement, the P0S machine transaction processing center (1) issues the card corresponding to the account number
  • the bank card account of the bank (2) collects the money for the payment transaction and deposits it in the merchant's bank account.
  • the P0S machine transaction processing center (1) collects the payment transaction money from the customer's bank card account and deposits it into the merchant's bank account description.
  • the P0S machine transaction processing center (1) and the issuing bank (2) will The funds are deposited into the merchant's bank account after deducting the transaction fees and commissions. These are the charges in the transaction processing of the existing payment system.
  • the description of each embodiment of the present specification is omitted. A detailed description of this part.
  • Fig. 4 is a schematic explanatory view showing the steps of the second embodiment of the payment system method of the present invention.
  • the second embodiment is a further improvement of the present invention, which increases the function of the customer to input a password to confirm the payment.
  • the customer must set up in advance at the P0S machine transaction processing center (1).
  • the confirmation password which is the confirmation password, is the sample password.
  • the embodiment illustrated in Figure 4 includes the following Group B steps:
  • the P0S machine (3) transmits the transaction information including the account number, password and payment amount to the P0S machine transaction processing center (1);
  • the P0S machine transaction processing center (1) finds the associated pre-authorized credit amount and sample password according to the account number, and verifies that the pre-authorized credit amount is sufficient for the payment and the confirmation password and the sample password input by the customer. After unanimously, the P0S machine transaction processing center (1) approves the payment transaction, and subtracts the payment amount from the pre-authorized credit amount, and notifies the P0S machine (3) that the payment is successful;
  • the P0S machine transaction processing center (1) collects the payment of the payment transaction from the bank card account of the issuing bank (2) corresponding to the account number to the bank account of the merchant.
  • FIG. 5 is a schematic explanatory diagram of steps of a third embodiment of the payment system method of the present invention.
  • the main difference between this embodiment and the second embodiment is that the customer uses his own mobile phone (7). confirm payment.
  • the customer in addition to setting the confirmation password for confirming the payment in advance at the POS transaction processing center (1), the customer also needs to register the mobile phone number of the customer, and the P0S machine transaction processing center (1) passes the payment. This phone number communicates with the customer to receive the confirmation password.
  • the embodiment illustrated in Figure 5 includes the following Group C steps:
  • the bank card (6) is handed over to the merchant, and the merchant passes the POS C2.
  • the POS machine (3) transmits the transaction information including the account number and the payment amount to the P0S machine transaction processing center (1);
  • P0S machine transaction processing center (1) Find the associated pre-authorized credit amount and the customer's mobile phone number based on the account number, and then call the customer's mobile phone number;
  • the customer knows from the caller number of the call that it is the incoming call of the P0S machine transaction processing center (1). After the customer answers the call, the P0S machine transaction processing center (1) plays the payment amount to the customer through the computer voice, and the customer agrees to pay. During the call, enter the password through the mobile phone (7) to confirm the payment. If you do not agree to the payment, you will not enter the password confirmation. C5. The P0S machine transaction processing center (1) receives the password entered by the customer, and approves the payment transaction after checking the password is correct. And subtracting the payment amount from the pre-authorized credit amount, and notifying the POS machine (3) that the payment is successful;
  • the P0S machine transaction processing center (1) collects the payment of the payment transaction from the bank card account of the issuing bank (2) corresponding to the account number to the bank account of the merchant.
  • the bank card (6) described in this specification includes a credit card, a debit card, etc., issued by a bank or financial institution for payment, including a bank card with a tape, or a contact smart card with a smart card chip. , or a contactless smart card with a smart card chip, the bank card (6) can be used to represent the bank card in addition to the physical card, such as a group account number or a bar code carrying the account number, 2D barcode, QR code, etc., as long as the logo is issued to the merchant at the time of payment, the merchant can input the account number into the P0S machine (3), or read the barcode through the scanner to input the account number to the P0S machine (3).
  • the bank card (6) is a card with a smart card chip
  • the smart card chip in the card generally stores a key for authenticating the identity and a program for encrypting the authentication data when using the bank card with the smart card chip ( 6)
  • the credit amount database (5) also needs to record an authentication key for authenticating the customer's bank card (6), and the authentication key needs to be paired with the key in the bank card (6).
  • P0S machine trading The processing center (1) uses the authentication key to authenticate the customer's bank card when the payment transaction is approved (6), and the P0S machine transaction processing center (1) continues to process the payment transaction after the authentication is correct, otherwise the P0S machine transaction processing The center (1) rejects the payment transaction.
  • FIG. 6 is a schematic explanatory diagram of steps of a fourth embodiment of the payment system method of the present invention.
  • the method further includes: using a mobile phone (8) provided by the customer with near field communication.
  • the step of authenticating the identity of the customer, the credit amount database (5) and the mobile phone (8) respectively have an electronic certificate for authenticating the identity of the customer, and the mobile phone (8) also stores the payment authentication software through the electronic
  • the certificate encrypts the account number of the bank card account transmitted to the POS machine (3).
  • the customer must set a confirmation password, that is, a sample password, for confirming the payment in advance at the POS transaction processing center (1).
  • an electronic certificate for authenticating the identity is set in the mobile phone (8), and the electronic certificate is associated with the bank card account of the customer at the issuing bank (2).
  • the following are the steps of the D group related to the embodiment:
  • the P0S machine (3) transmits the transaction information including the identity information and the payment amount to the P0S machine transaction processing center (1);
  • P0S machine transaction processing center (1) After the identity information is verified by the electronic certificate, the account number and confirmation password of the customer's bank card account are decrypted and restored, and the associated pre-authorized credit amount is found according to the account number. The sample password, after verifying that the pre-authorized credit amount is sufficient for the payment and the confirmation password is consistent with the sample password, the P0S machine transaction processing center (1) approves the payment transaction and subtracts the pre-authorized credit amount. Go to the payment amount, and notify the P0S machine (3) to pay D4. At the time of settlement, the POS transaction processing center (1) collects the payment of the payment transaction from the bank card account of the issuing bank (2) corresponding to the account number to the merchant's bank account.
  • a further improvement of the present invention is to notify the customer of the payment after payment, that is, after the POS transaction processing center (1) approves the payment transaction, the mobile phone network (4) sends a message to the customer's mobile phone to notify the customer of the relevant
  • the content of the payment transaction allows the customer to immediately know whether the payment has been made or not, and also protects his bank card account from being stolen. If the customer does not pay, he receives the P0S machine transaction processing center (1) and sends the relevant payment. The information indicates that someone may have stolen his bank card account and can act immediately to avoid losses.
  • the POS machine (3) is provided with two mobile phone modules for data communication with the POS transaction processing center (1), and one mobile phone module is used for information from the POS machine ( 3) Transferred to the P0S machine transaction processing center (1), another mobile phone module is used to receive information transmitted by the P0S machine transaction processing center (1) to the P0S machine (3).
  • the communication between the P0S machine transaction processing center (1) and the P0S machine (3) is divided into two mobile phone modules, and the two mobile phone modules can adopt different mobile phone networks, which can effectively prevent the communication from being intercepted.
  • the entire payment process can be completed in one second, and the speed is faster than ten times faster than the current general bank card credit card payment process, completely solving the problem that the current payment speed of the bank card is slow. .
  • the implementation of the present invention will bring good economic and social benefits.

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Abstract

一种快速支付系统和相应方法，包括有POS机交易处理中心（1）、设有各顾客的银行卡帐户的各发卡银行（2）、设置于各商户的POS机（3）、移动电话网络（4），POS机交易处理中心（1）设有信货额数据库（5）,信货额数据库（5）设有各顾客的预先授权信货额，每一预先授权信货额与该顾客的一个银行卡帐户相关联。支付时，商户通过POS机（3）取得顾客的银行卡帐户的帐户号码，然后传送到POS机交易处理中心（1），POS机交易处理中心（1）根据该帐户号码找出相关联的预先授权信货额，核对该预先授权信货额足够进行该笔支付无误后，核准该笔支付交易，并通知该POS机（3）支付成功。

Description

一种快速支付系统和相应方法
【技术领域】
本发明涉及金融支付技术， 特别是涉及一种快速支付系统和相应方 法。
【背景技术】
目前的银行卡支付系统， 从刷卡开始至完成支付， 需要经过商户 P0S 机、 收单银行、 信用卡网络、 发卡银行， 由发卡银行对该支付交易进行批 核授权， 然后通过原路返回批核授权结果， 其中， 发起支付请求时的通讯 过程包括： 商户 P0S机与收单银行之间的通讯、 收单银行与信用卡网络之 间的通讯、 信用卡网络与发卡银行之间的通讯， 而核准支付交易后返回批 核结果的通讯过程包括： 发卡银行与信用卡网络之间的通讯、 信用卡网絡 与收单 4艮行之间的通讯、 收单 ^行与商户 P0S机之间的通讯， 由于整过过 程涉及多个不同网络和服务器， 需耗用十多秒至数十秒时间， 对一些交易 比较频繁的商户， 例如超市、 百货公司等， 经常造成出现排队等待付款的 状况。 如何加快整个银行卡支付流程， 减少使用银行卡支付所耗用的时 间， 是一个有待解决的问题。 【发明内容】
本发明的目的， 在于提供一种快速支付系统和相应方法， 以实现银行 卡快速支付的多种应用。
本发明的目的是这样实现的， 采用这样一种支付系统， 其特征在于， 所述的系统包括有 P0S 机交易处理中心 （1 ) 、 设有各顾客的银行卡帐户 的各发卡银行 （ 2 ) 、 设置于各商户的 P0S 机 （ 3 ) 、 移动电话网络 ( 4 ) , 其中， 所述的 P0S机（3 )通过移动电话网络（4 )接入 P0S机交
确认本 易处理中心 （1 ) ， POS 机交易处理中心 （1 )设有信货额数据库 （5 ) ， P0S 机交易处理中心 （1 ) 与各发卡银行（2 )相数据链路连接， 以及， 信 货额数据库 （5 )设有各顾客的预先授权信货额， 每一预先授权信货额与 该顾客的一个银行卡帐户相关联， 以及， 顾客在商户进行支付时， 商户通 过 P0S 机（3)取得顾客的银行卡帐户的帐户号码， 然后将包含该帐户号 码和支付金额的交易信息传送到 P0S机交易处理中心 （1 ) ， P0S机交易处 理中心 （1 )根据该帐户号码找出相关联的预先授权信货额， 核对该预先 授权信货额足够进行该笔支付无误后， P0S机交易处理中心 （1 )核准该笔 支付交易， 并在该预先授权信货额中减去该支付金额， 以及通知该 P0S 机 ( 3) 支付成功； 结算时 P0S机交易处理中心（1 )从该帐户号码所对应的 发卡银行（2 ) 的银行卡帐户收取支付金额的钱， 在扣除手续费和佣金等 费用后存入到商户的银行帐户。
以及， 还采用这样一种支付系统方法， 其特征在于， 所述的方法包括 设置 P0S机交易处理中心（1 ) , P0S 机交易处理中心 （1 )设有信货额数 据库 （5 ) ， 信货额数据库 （5 )设有各顾客的预先授权信货额， 每一预先 授权信货额与该顾客的一个银行卡帐户相关联， 以及， 顾客在商户进行支 付时， 商户通过 P0S 机（ 3)取得顾客的银行卡帐户的帐户号码， 然后将 包含该帐户号码和支付金额的交易信息传送到 P0S 机交易处理中心 ( 1 ) , P0S 机交易处理中心 （1 )根据该帐户号码找出相关联的预先授权 信货额， 核对该预先授权信货额足够进行该笔支付无误后， P0S 机交易处 理中心 （1 )核准该笔支付交易， 并在该预先授权信货额中减去该支付金 额， 以及通知该 P0S机（ 3 )支付成功。
在本发明中， P0S机（3)是通过移动电话网络（4 )与 P0S机交易处 理中心 （ 1 )直接作点对点数据通讯， 交易信息是直接从 P0S机（ 3)传送 给 P0S机交易处理中心 （1 ) , 由 P0S机交易处理中心 （1 )核准交易后就 直接向 P0S机（ 3 )返回结果， 通知 P0S机（ 3 ) 支付成功， 整个过程可以 在一秒内完成， 与目前一般的银行卡刷卡支付过程相比， 速度快十倍以 上， 彻底解决了目前银行卡刷卡支付速度慢的问题。
这样就很好地实现了本发明的目的。
【附图说明】
图 1是本发明的支付系统的结构示意说明图；
图 2是本发明的支付系统方法的步骤示意说明图；
图 3是本发明的支付系统方法的第一实施例的步骤示意说明图； 图 4是本发明的支付系统方法的第二实施例的步骤示意说明图； 图 5是本发明的支付系统方法的第三实施例的步骤示意说明图； 图 6是本发明的支付系统方法的第四实施例的步骤示意说明图。
图中， 相同的数字代表相同的系统、 装置、 部件器件， 附图是示意性 的， 用以说明本发明的系统的构成和方法的主要特征。
【具体实施方式】
下面结合附图， 对本发明的方法作进一步详细说明。
参阅图 1 , 图 1是本发明的支付系统的结构示意说明图， 图 1 中示出 的系统包括有 P0S 机交易处理中心 （1 ) 、 设有各顾客的银行卡帐户的各 发卡银行（ 2 ) 、 设置于各商户的 P0S 机（ 3 ) 、 移动电话网络（ 4 ) , 其 中， 所述的 P0S机（ 3 )通过移动电话网络（4 )接入 P0S机交易处理中心
( 1 ) , P0S机交易处理中心 （1 )设有信货额数据库（5 ) ， P0S机交易处 理中心 （1 ) 与各发卡银行（2 )相数据链路连接， 以及， 信货额数据库
( 5 )设有各顾客的预先授权信货额， 每一预先授权信货额与该顾客的一 个银行卡帐户相关联， 以及， 顾客在商户进行支付时， 商户通过 P0S 机
( 3 )取得顾客的银行卡帐户的帐户号码， 然后将包含该帐户号码和支付 金额的交易信息传送到 P0S机交易处理中心 （1 ) , P0S 机交易处理中心 ( 1 )根据该帐户号码找出相关联的预先授权信货额， 核对该预先授权信 货额足够进行该笔支付无误后， P0S 机交易处理中心 （1 )核准该笔支付交 易， 并在该预先授权信货额中减去该支付金额， 以及通知该 P0S 机（3) 支付成功； 结算时 P0S 机交易处理中心 （1 )从该帐户号码所对应的发卡 银行（2 ) 的银行卡帐户收取支付金额的钱， 在扣除手续费和佣金等费用 后存入到商户的 艮行帐户。
在本发明中， 由 POS 机交易处理中心 （1 )提供支付网络服务， 各发 卡银行 (2)除了需要与 P0S 机交易处理中心（1 )相数据链路连接， 还须 要预先在信货额数据库 （ 5 )设置该发卡银行（ 2 ) 的银行卡帐户的预先授 权信货额， 这预先授权信货额由 P0S 机交易处理中心 （1 ) 和发卡银行
(2)双方管理， P0S 机交易处理中心 （1 ) 于每次支付交易后就会自动在 预先授权信货额中扣减支付金额， 而发卡银行（2 )可根据客户的最新状 况随时修改这预先授权信货额， 例如于结算后发卡银行（2 ) 可以立即将 预先授权信货额增加至预定水平， 让顾客可继续进行支付交易。
在设置方面， P0S机交易处理中心 （1 ) 需要通过互联网连接移动电话 网络（4)与各 P0S机（3)相通讯， 为了加快 P0S机交易处理中心（1 ) 与 P0S 机（3)双方通讯的响应速度， 最理想是将 P0S 机交易处理中心 (1)设置在移动电话网络（4 ) 中， 这样 P0S 机（3)就可以通过移动电 话网络（4)直接连接 P0S 机交易处理中心 （1 ) ， 将两者之间的通讯路径 尽量缩短， 从而加快双方通讯的响应速度。 此外， 可以按地域分区设置 P0S 机交易处理中心 （1 ) ， 例如每一省市设置一 P0S 机交易处理中心 ( 1 )服务该省市范围内的 P0S机（ 3 ) , 又例如每一国家设置一 P0S机交 易处理中心 （1 )服务该国家范围内的 P0S机（3) , 又例如可以按移动电 话网络来分区， 每一移动电话网络设置一个 P0S 机交易处理中心 （1 ) ， 最理想当然是按移动电话网络来分区设置 P0S 机交易处理中心（1 ) ， 这 样让 POS机交易处理中心 （ 1 )与 P0S机（ 3 )之间的通讯达到最快的响应 速度。
继续参阅图 1 , 图 1示出的 P0S机交易处理中心 （1 )除了与移动电话 网络（ 4 )和各发卡银行 （ 2 )相数据链路连接外， 还会连接其他支付网 络， 例如 VISA信用卡网络、 万事达信用卡网络、 中国银联网絡等等一些 现有的信用卡支付网络， 让本发明的系统可以完全兼容现有一般的信用卡 支付网络。 当顾客使用的银行卡并没有在信货额数据库 （5 )设置相关联 的预先授权信货额时， 例如顾客使用一些外地信用卡进行支付， P0S 机交 易处理中心 （1 )会将该支付交易信息传送至其他支付网络， 以现有一般 的刷卡支付的方式进行支付过程。 由于这部分是现有技术， 并非本发明的 主要内容， 所以本说明书中没有作更进一步详细描述。
参阅图 2 , 图 2是本发明的支付系统方法的步驟示意说明图， 图 1 中 示出的包 ϋ置 P0S机交易处理中心 （1 ) ， P0S 机交易处理中心 （1 )设 有信货额数据库 （ 5 ) , 信货额数据库 （ 5 )设有各顾客的预先授权信货 额， 每一预先授权信货额与该顾客的一个银行卡帐户相关联， 以及， 顾客 在商户进行支付时， 商户通过 P0S 机（3 )取得顾客的银行卡帐户的帐户 号码， 然后将包含该帐户号码和支付金额的交易信息传送到 P0S机交易处 理中心 （1 ) ， P0S 机交易处理中心 （1 )根据该帐户号码找出相关联的预 先授权信货额， 核对该预先授权信货额足够进行该笔支付无误后， P0S 机 交易处理中心 （1 )核准该笔支付交易， 并在该预先授权信赞额中减去该 支付金额， 以及通知该 P0S机（ 3 ) 支付成功。 此外， 在结算时， P0S机交 易处理中心 （1 )根据支付交易， 从顾客在发卡银行（2 )的银行卡帐户收 取支付金额的钱， 在扣除手续费和佣金等费用后存入到商户的银行帐户， 而发卡银行（2 )可以在结算后， 根据客户的状况增加该客户的预先授权 信货额至客户进行支付交易前的水平， 让顾客可继续进行支付交易。 在本 发明的系统中， POS 机交易处理中心 （1 )可以在交易完成后立即进行结 算， 让商户可以即时收到交易所得的资金。
参阅图 3， 图 3 是本发明的支付系统方法的第一实施例的步骤示意说 明图， 图 3中示出的实施例包括如下 A组步骤：
A1. 顾客在商户进行支付时， 将银行卡（6 ) 交给商户， 商户通过 P0S 码；
A2. P0S机（3 )将包含该帐户号码和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
A3. P0S机交易处理中心（ 1 )根据该帐户号码找出相关联的预先授权 信货额， 核对该预先授权信货额足够进行该笔支付无误后， P0S 机交易处理中心 （1 )核准该笔支付交易， 并在该预先授权信货 额中减去该支付金额， 以及通知该 P0S机（3 ) 支付成功； A4. 结算时 P0S 机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（ 2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
在本说明书中， 有关 P0S 机交易处理中心 （1 )从顾客的银行卡帐户 收取支付交易的钱存到商户的银行帐户的描述中， P0S 机交易处理中心 ( 1 )和发卡银行（2 )会扣除各项交易手续费和佣金等费用后才将资金存 入到商户的银行帐户， 这些都是一般现有支付系统处理交易中的收费， 为 了方便说明， 本说明书的各实施例的描述中省略了有关这部分内容的详细 说明。
参阅图 4， 图 4 是本发明的支付系统方法的第二实施例的步骤示意说 明图， 第二实施例是本发明的进一步改进， 增加了顾客输入密码确认支付 的功能。 在本实施例中， 顾客须预先在 P0S 机交易处理中心 （1 )设置用 于确认支付的确认密码即样本密码， 进行支付时顾客须使用这确认密码来 确认支付。 继续参阅图 4 , 图 4中示出的实施例包括如下的 B组步骤：
B1. 顾客在商户进行支付时， 将银行卡（6 ) 交给商户， 商户通过 P0S 码， 以及， 顾客在 P0S机（ 3 )输入确认密码；
B2. P0S机（3 )将包含该帐户号码、 密码和支付金额的交易信息传送 到 P0S机交易处理中心 （1 ) ；
B3. P0S机交易处理中心（ 1 )根据该帐户号码找出相关联的预先授权 信货额和样本密码， 核对该预先授权信货额足够进行该笔支付及 该顾客输入的确认密码与样本密码一致无误后， P0S 机交易处理 中心 （1 )核准该笔支付交易， 并在该预先授权信货额中减去该 支付金额， 以及通知该 P0S机（ 3 ) 支付成功；
B4. 结算时 P0S 机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
参阅图 5， 图 5 是本发明的支付系统方法的第三实施例的步骤示意说 明图， 本实施例与第二实施例相比， 主要不同之处在于顾客采用他自己的 手机（7 ) 来确认支付。 在本实施例中， 顾客除了须预先在 P0S 机交易处 理中心 （ 1 )设置用于确认支付的确认密码外， 还须要登记顾客的手机电 话号码， 进行支付时 P0S 机交易处理中心 （1 )通过这电话号码与顾客通 讯来接收确认密码。 继续参阅图 5， 图 5示出的实施例包括如下的 C组步 骤：
C1. 顾客在商户进行支付时， 将银行卡（6 ) 交给商户， 商户通过 P0S C2. POS机（3)将包含该帐户号码和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
C3. P0S机交易处理中心 （1 )根据该帐户号码找出相关联的预先授权 信货额及顾客的手机电话号码， 然后呼叫该顾客的手机电话号 码；
C4. 顾客从该呼叫的来电号码知道是 P0S 机交易处理中心 （1 ) 的来 电呼叫， 顾客接听来电后 P0S 机交易处理中心 （1 )通过电脑语 音播放出支付金额给顾客核对， 顾客同意支付就在通话中通过手 机（7)输入密码确认支付， 如不同意支付就不输入密码确认； C5. P0S机交易处理中心 （1 )接收到顾客输入的密码后， 核对密码无 误后核准该笔支付交易， 并在该预先授权信货额中减去该支付金 额， 以及通知该 P0S机 ( 3) 支付成功；
C6. 结算时 P0S机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
在本说明书中所述的银行卡 （6 ) 包括信用卡、 借记卡等等由银行或 金融机构发行用于支付的卡， 包括带有磁带的银行卡， 或者是带有智能卡 芯片的接触式智能卡， 或者是带有智能卡芯片的非接触式智能卡， 银行卡 ( 6 ) 除了可以采用实体卡外， 还可以是用来代表银行卡的标识， 例如一 组帐户号码或是载有帐户号码的条码、 二维条码、 QR码等， 只要在支付时 向商户出具这标识， 商户就可将帐户号码输入 P0S机（3) , 或通过扫描 器读取条码来输入帐户号码到 P0S机（ 3 ) 。 如果银行卡（ 6 )是采用带有 智能卡芯片的卡， 卡内的智能卡芯片一般会储存有用于认证身份的密钥和 用于加密认证资料的程序， 当采用这些带有智能卡芯片的银行卡 （6 ) 时， 所述的信货额数据库（5 )还需要记录有用于认证顾客的银行卡 （6 ) 的认证密钥， 这认证密钥需要与银行卡 （6) 内的密钥相配对， P0S机交易 处理中心 （1 )核准支付交易时利用所述的认证密钥来认证顾客的银行卡 (6) , 认证无误后 P0S 机交易处理中心 （1 )才继续处理该笔支付交易， 否则 P0S机交易处理中心 （1 )拒绝该笔支付交易。
参阅图 6， 图 6 是本发明的支付系统方法的第四实施例的步骤示意说 明图， 在本实施例中， 所采用的方法还包括通过顾客的设有近场通讯的手 机（8 )来认证顾客身份的步骤， 所述的信货额数据库 （5 ) 与所述的手机 ( 8 )分别设有用于认证顾客身份的电子证书 , 所述的手机（ 8 )还储存有 付认证软件通过电子证书对传送给 P0S机（3) 的银行卡帐户的帐户号码 进行加密认证， 在本实施例中， 顾客须预先在 P0S机交易处理中心 （1 ) 设置用于确认支付的确认密码即样本密码， 并在手机（8 ) 中设置用于认 证身份的电子证书， 该电子证书与顾客在发卡银行（2 ) 的银行卡帐户相 关联， 以下是有关本实施例的 D组步骤：
D1. 顾客在商户进行支付时， 在手机（8 ) 的支付认证软件输入确认 密码， 然后将手机（ 8 )放到商户的 P0S 机（ 3 ) ， 手机（ 8 )将 包含所储存的银行卡帐户的帐户号码的身份信息和确认密码经电 子证书加密后通过近场通讯方式传送给 P0S机（3) ；
D2. P0S机（3)将包含该身份信息和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
D3. P0S机交易处理中心 （1 )通过电子证书认证该身份信息无误后， 解密还原出顾客的银行卡帐户的帐户号码和确认密码， 根据该帐 户号码找出相关联的预先授权信货额和样本密码， 核对该预先授 权信货额足够进行该笔支付及该确认密码与样本密码一致无误 后， P0S机交易处理中心 （1 )核准该笔支付交易， 并在该预先授 权信货额中减去该支付金额， 以及通知该 P0S 机 （ 3 ) 支付成 D4. 结算时 POS机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
本发明的更进一步改进， 是在支付后通知顾客有关支付的内容， 即 P0S机交易处理中心 （1 )核准支付交易后， 通过移动电话网络（4 )发信 息给顾客的手机， 通知该顾客有关支付交易的内容， 让顾客可即时知晓支 付有没有出错， 而且更可保障他的银行卡帐户不会被人盗用， 如果顾客没 有进行支付而收到 P0S 机交易处理中心 （1 )发来有关支付的信息， 表示 可能有人盗用他的银行卡帐户， 就可以立即行动避免损失。
此外， 在本发明中， 所述的 P0S机（3 )设有用于与 P0S机交易处理 中心 （ 1 )进行数据通讯的两个手机模组， 其中一个手机模组用于将信息 从 P0S机（ 3 )传送给 P0S机交易处理中心（ 1 ) ， 另一个手机模组用于接 收由 P0S机交易处理中心 （ 1 )传送给 P0S机（ 3 )的信息。 这样将 P0S机 交易处理中心 （1 ) 与 P0S 机 （3 )之间的通讯， 分成两个手机模组来进 行， 两个手机模组可以采用不同移动电话网络， 可有效防止通讯被人截 取。
以上已经详细说明本发明的主要特征， 虽然本发明以上述的实施例加 以说明， 但是本发明并不仅限于此， 在不离开本发明的精神和所附权利要 求书的范围的情况下， 可以作多种改变和变化。
本发明的快速支付系统和相应方法， 整个支付过程可以在一秒内完 成， 与目前一般的银行卡刷卡支付过程相比， 速度快十倍以上， 彻底解决 了目前银行卡刷卡支付速度慢的问题。 本发明的实施， 会带来良好的经济 和社会效益。

Claims

权 利 要 求
1. 一种支付系统， 其特征在于， 所述的系统包括有 P0S机交易处理中心
( 1 ) 、 设有各顾客的银行卡帐户的各发卡银行（ 2 ) 、 设置于各商户 的 P0S机（3 ) 、 移动电话网络（4 ) ， 其中， 所述的 P0S机（3 )通 过移动电话网络（4 )接入 P0S机交易处理中心（1 ) ， P0S机交易处 理中心 （ 1 )设有信货额数据库 （ 5 ) ， P0S机交易处理中心（ 1 )与各 发卡银行 ( 2 )相数据链路连接， 以及， 信货额数据库（ 5 )设有各顾 客的预先授权信货额， 每一预先授权信货额与该顾客的一个银行卡帐 户相关联， 以及， 顾客在商户进行支付时， 商户通过 P0S机（3 )取 得顾客的银行卡帐户的帐户号码， 然后将包含该帐户号码和支付金额 的交易信息传送到 P0S机交易处理中心 （1 ) , P0S机交易处理中心 ( 1 )根据该帐户号码找出相关联的预先授权信货额， 核对该预先授 权信赞额足够进行该笔支付无误后， P0S机交易处理中心 （1 )核准该 笔支付交易， 并在该预先授权信货额中减去该支付金额， 以及通知该
P0S机（3 ) 支付成功。
2. 如权利要求 1所述的支付系统， 其特征在于， 所述的 P0S机（ 3 )设 有用于与 P0S机交易处理中心 （ 1 )进行数据通讯的两个手机模组， 其中一个手机模组用于将信息从 P0S机（ 3 )传送给 P0S机交易处理 中心（ 1 ) ， 另一个手机模组用于接收由 P0S机交易处理中心 （ 1 )传 送给 P0S机（3 ) 的信息。
3. 一种支付系统方法， 其特征在于， 所述的方法包括设置 P0S机交易处 理中心 （ 1 ) ， P0S机交易处理中心 （ 1 )设有信货额数据库（ 5 ) ， 信 货额数据库（5 )设有各顾客的预先授权信赞额， 每一预先授权信货 额与该顾客的一个银行卡帐户相关联， 以及， 顾客在商户进行支付 时， 商户通过 P0S机（ 3 )取得顾客的银行卡帐户的帐户号码， 然后 将包含该帐户号码和支付金额的交易信息传送到 P0S机交易处理中心 ( 1 ) , P0S机交易处理中心 （1 )根据该帐户号码找出相关联的预先 授权信货额， 核对该预先授权信货额足够进行该笔支付无误后， P0S 机交易处理中心 （1 )核准该笔支付交易， 并在该预先授权信货额中 减去该支付金额， 以及通知该 P0S机（3 )支付成功。
4. 如权利要求 3所述的支付系统方法， 其特征在于， 所述的方法还包括 如下 A组步骤：
A1. 顾客在商户进行支付时， 将银行卡 （6 ) 交给商户， 商户通过 P0S 机（3 )取得顾客的银行卡卡号即顾客的银行卡帐户的帐户号 码；
A2. P0S机（ 3 )将包含该帐户号码和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
A3. P0S机交易处理中心 （ 1 )根据该帐户号码找出相关联的预先授权 信货额， 核对该预先授权信货额足够进行该笔支付无误后， P0S 机交易处理中心 （1 )核准该笔支付交易， 并在该预先授权信货 额中减去该支付金额， 以及通知该 P0S机（3 ) 支付成功；
A4. 结算时 P0S机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
5. 如权利要求 3所述的支付系统方法， 其特征在于， 所述的方法还包括 如下的 B组步骤： Bl. 顾客在商户进行支付时， 将银行卡（6 ) 交给商户， 商户通过 P0S 机（3 )取得顾客的银行卡卡号即顾客的银行卡帐户的帐户号 码， 以及， 顾客在 P0S机（ 3 )输入确认密码；
B2. P0S机（3 )将包含该帐户号码、 密码和支付金额的交易信息传送 到 P0S机交易处理中心 （1 )；
B3. P0S机交易处理中心 （ 1 )根据该帐户号码找出相关联的预先授权 信货额和样本密码， 核对该预先授权信货额足够进行该笔支付及 该顾客输入的确认密码与样本密码一致无误后， P0S机交易处理 中心 （1 )核准该笔支付交易， 并在该预先授权信货额中减去该 支付金额， 以及通知该 P0S机（ 3 ) 支付成功；
B4. 结算时 P0S机交易处理中心 （ 1 )从该帐户号码所对应的发卡银 行（ 2 ) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
6. 如权利要求 3所述的支付系统方法， 其特征在于， 所述的方法还包括 如下的 C组步骤：
C1. 顾客在商户进行支付时， 将银行卡（6 ) 交给商户， 商户通过 P0S 机（3 )取得顾客的银行卡卡号即顾客的银行卡帐户的帐户号 码；
C2. P0S机（ 3 )将包含该帐户号码和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
C3. P0S机交易处理中心 （1 )根据该帐户号码找出相关联的预先授权 信货额及顾客的手机电话号码， 然后呼叫该顾客的手机电话号 码；
C4. 顾客从该呼叫的来电号码知道是 P0S机交易处理中心 （1 ) 的来 电呼叫， 顾客接听来电后 P0S机交易处理中心（1 )通过电脑语 音播放出支付金额给顾客核对， 顾客同意支付就在通话中通过手 机（7 )输入密码确认支付， 如不同意支付就不输入密码确认； C5. P0S机交易处理中心 （ 1 )接收到顾客输入的密码后， 核对密码无 误后核准该笔支付交易， 并在该预先授权信货额中减去该支付金 额， 以及通知该 P0S机（3 ) 支付成功；
C6. 结算时 P0S机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2 )的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。
7. 如权利要求 3所述的支付系统方法， 其特征在于， 所述的方法还包括 通过顾客的设有近场通讯的手机 ( 8 ) 来认证顾客身份的步骤， 所述 的信货额数据库（ 5 )与所述的手机 ( 8 )分别设有用于认证顾客身份 的电子证书， 所述的手机（ 8 )还储存有顾客的银行卡帐户的帐户号 码资料及用于处理支付的支付认证软件， 该支付认证软件通过电子证 书对传送给 P0S机（ 3 ) 的银行卡帐户的帐户号码进行加密认证， 以 及， 所述的方法还包括如下的 D组步骤：
D1. 顾客在商户进行支付时， 在手机（8 )的支付认证软件输入确认 密码， 然后将手机
( 8 )放到商户的 P0S机（ 3 ) ， 手机（ 8 )将 包含所储存的银行卡帐户的帐户号码的身份信息和确认密码经电 子证书加密后通过近场通讯方式传送给 P0S机 ( 3 ) ；
D2. P0S机（ 3 )将包含该身份信息和支付金额的交易信息传送到 P0S 机交易处理中心 （1 ) ；
D3. P0S机交易处理中心 （1 )通过电子证书认证该身份信息无误后， 解密还原出顾客的银行卡帐户的帐户号码和确认密码， 根据该帐 户号码找出相关联的预先授权信货额和样本密码， 核对该预先授 权信货额足够进行该笔支付及该确认密码与样本密码一致无误 后， POS机交易处理中心（1 )核准该笔支付交易， 并在该预先授 权信货额中減去该支付金额， 以及通知该 P0S机（ 3 ) 支付成 功；
D4. 结算时 P0S机交易处理中心 （1 )从该帐户号码所对应的发卡银 行（2) 的银行卡帐户收取该笔支付交易的钱存到商户的银行帐 户。 如权利要求 3至 6任一项所述的支付系统方法， 其特征在于， 所述的 信货额数据库（5)还记录有用于认证顾客的银行卡（6) 的认证密 钥， P0S机交易处理中心 （1 )核准支付交易时利用所述的认证密钥来 认证顾客的银行卡（6) ， 认证无误后 P0S机交易处理中心（1 ) 才继 续处理该笔支付交易， 否则 P0S机交易处理中心 （1 )拒绝该笔支付 交易。
9. 如权利要求 3至 7任一项所述的支付系统方法， 其特征在于， 所述的 方法还包括 P0S机交易处理中心 （1 )核准支付交易后， 通过移动电 话网络（4 )发信息给顾客的手机， 通知该顾客有关支付交易的内
10. 如权利要求 3至 7任一项所述的支付系统方法， 其特征在于， 所述的 P0S机（ 3 )采用两个手机模组与 P0S机交易处理中心（ 1 )进行数据 通讯， 其中一个手机模组用于将信息从 P0S机（ 3 )传送给 P0S机交 易处理中心 （1 ) , 另一个手机模组用于接收由 P0S机交易处理中心 ( 1 )传送给 P0S机 ( 3) 的信息。
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