WO2015058576A1 - 移动通信支付系统及其用于费用支付的方法 - Google Patents

移动通信支付系统及其用于费用支付的方法 Download PDF

Info

Publication number
WO2015058576A1
WO2015058576A1 PCT/CN2014/084333 CN2014084333W WO2015058576A1 WO 2015058576 A1 WO2015058576 A1 WO 2015058576A1 CN 2014084333 W CN2014084333 W CN 2014084333W WO 2015058576 A1 WO2015058576 A1 WO 2015058576A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
mobile communication
communication terminal
information
payer
Prior art date
Application number
PCT/CN2014/084333
Other languages
English (en)
French (fr)
Inventor
陈拙夫
Original Assignee
成都衔石科技有限公司
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 成都衔石科技有限公司 filed Critical 成都衔石科技有限公司
Publication of WO2015058576A1 publication Critical patent/WO2015058576A1/zh

Links

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
    • G06Q20/30—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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to an electronic payment system, and more particularly to a mobile communication payment system and method for payment thereof.
  • the existing credit card machine and the charging machine have the following defects: 1. The use of the password-type credit card machine or the toll collection machine for the amount transaction, the password is stolen, and there are security risks; 2. The direct credit card type card machine or the charge The machine does not need to input the password, the payment amount is generally determined, and it is not convenient for multiple amounts of payment; 3. The existing credit card machine or the charging machine is not convenient to carry, which is not convenient for individual-to-personal transaction, and there are trading limitations. Sex.
  • the object of the present invention is to overcome the deficiencies of the prior art, and provide a mobile communication payment system that is convenient to carry, has high security, and can meet the real-time input amount for payment.
  • the present invention also discloses that the mobile communication payment system is used for the fee. The method of payment.
  • a mobile communication payment system including a payment management platform, a banking system, and a plurality of mobile communication terminals, the payment management platform including a payment enterprise bus and an account information server connected to the payment enterprise bus; a payment management server, wherein the account information server is configured to store account information of the mobile communication terminal, and the payment management server is configured to perform information transmission between the paying party mobile communication terminal, the payee mobile communication terminal, and the banking system Controlling the instruction, the payment enterprise bus is connected to the banking system through a bank line, the mobile communication terminal comprises a main board and a Wlf1 module connected to the main board, a Bluetooth module, a data transmission interface, a headphone jack; the payment management platform and the mobile communication The terminal is provided with a wireless communication module, and the wireless communication module of the payment management platform is connected with the payment enterprise bus, and the wireless communication module of the mobile communication terminal is connected with the main board.
  • the payment management platform further includes a payment log server for storing transaction records connected to the payment enterprise bus.
  • the mobile communication terminal is a mobile phone or a computer. Since the existing mobile phone and computer are devices that are often carried around for people, the invention is based on a mobile phone or a computer application, which makes the application of the invention more convenient.
  • a method for a mobile communication payment system for fee payment includes the following steps:
  • Step 1 The payer mobile communication terminal and the payee mobile communication terminal are all registered on the payment management platform, and the account information server in the payment management platform stores account information of all registered mobile communication terminals, wherein the account information server guarantees the inside Each account of the stored account information is unique;
  • Step 2 The respective account information is registered on both the paying party mobile communication terminal and the payee mobile communication terminal, so that the paying party mobile communication terminal and the payee mobile communication terminal are both Establish a wireless connection with the payment management platform;
  • Step 3 The paying party mobile communication terminal and the payee mobile communication terminal determine the payment object and the payment amount
  • Step 4 The payment management server obtains account information of the paying party mobile communication terminal, account information of the paying party mobile communication terminal, and the payment amount;
  • Step 5 The payment management server moves the account information of the paying party mobile communication terminal and the payee
  • the account information of the communication terminal and the payment amount are sent to the banking system through the bank line
  • Step 6 The bank system determines whether the amount in the payment party's mobile communication terminal is sufficient, and if not, the transfer is stopped, and the payment is unsuccessful due to insufficient amount.
  • the information is fed back to the payment management server, and then encrypted by the payment management server and fed back to the paying party mobile communication terminal and the payee mobile communication terminal. If the amount is sufficient, the transfer is completed, and the information of the successful transfer is fed back to the payment management server, and then
  • the payment management server encrypts and feeds back to the payer mobile communication terminal and the payee mobile communication terminal.
  • the first step may be omitted in the subsequent payment for the fee.
  • the determination of the payment object in the third step includes the following steps: the payer mobile communication terminal and the payee mobile communication terminal simultaneously open the Wifi module or the Bluetooth module, and the payer mobile communication terminal or the payee moves
  • the communication terminal searches for a mobile communication terminal device within a certain range, finds the other party, and establishes a connection.
  • the invention can be implemented in the following manner when the connection is specifically established: the paying party and the paying party simultaneously press a certain number, letter or mobile phone of the mobile communication terminal through the wifi module
  • /Bluetooth module Query whether the nearby mobile phone presses the same button, and the mobile phone with the same button is listed at the same time, and the corresponding account is listed. If there are multiple simultaneous presses, manually select the correct payment object account.
  • the determination of the payment amount in the third step includes the following steps:
  • Step a. l Using a data line, the two ends are respectively connected with a headphone jack of the confirmation information sender and a data interface of the acknowledgement information receiver, wherein the payer mobile communication terminal and the payee mobile communication terminal are both Either party is the sender of the confirmation information, and the other party is the receiver of the confirmation message.
  • Step a.2. The sender of the confirmation message encodes and modifies the account information and the payment amount into the music, and then passes the headset jack to the recipient of the confirmation message. Play
  • Step a.3 confirm that the recipient of the information receives music through its data interface, and will decode the included music Adjusting the decoding, obtaining the account of the sender of the confirmation information and the payment amount information, and the payment party confirms whether the account of the confirmation information sender and the payment amount information are correct. If correct, the feedback information indicating the success is sent to the sender of the confirmation information, and the determination is completed. If the error is sent, the feedback message indicating the failure is sent to the sender of the confirmation message, and then re-identified or withdrawn.
  • the determination of the payment amount in the third step includes the following steps: using one data line, the two ends are respectively connected to the data interface and the payee of the payment party mobile communication terminal
  • the data interface of the mobile communication terminal, the payer mobile communication terminal and the payee mobile communication terminal respectively serve as the acknowledgement information sender and the acknowledgement information receiver, and the confirmation information sender transmits its account information and payment amount to the acknowledgement information receiver, and the confirmation information
  • the receiving party determines whether the account of the confirmation information sender and the payment amount information are correct. If it is correct, the feedback information indicating the success is sent to the sender of the confirmation information, and the confirmation is completed. If the error is sent, the feedback information indicating the failure is sent to the sender of the confirmation information, and then Re-identify or withdraw.
  • the account information of the mobile communication terminal includes an account number, a nickname, a password, and a mobile phone number. Further, in the fourth step, the payment management server obtains account information and the payment amount includes the following steps:
  • the payee mobile communication terminal encrypts the obtained payment party mobile communication terminal account information and the payment amount, and sends the payment to the payment management server;
  • Step b. 2 The payment management server decrypts the obtained payment amount and the payment party mobile communication terminal account information, and then encrypts and sends the information to the paying party mobile communication terminal;
  • Step b.3 The paying party mobile communication terminal decrypts the received payment amount and the payment party mobile communication terminal account information, determines whether the payment party mobile communication terminal account information and the payment amount are correct, and determines the determined information. Encrypted feedback to the payment management server; Step b.4: The payment management server receives the information fed back by the paying party mobile communication terminal and decrypts, and if the payment amount and the payment party mobile communication terminal account information are incorrect, sending the error prompt information to the paying party mobile communication terminal and receiving and paying The party mobile communication terminal ends the payment process. If the payment amount and the payment party mobile communication terminal account information are correct, the process proceeds to the next step.
  • the mobile communication terminal of the present invention comprises a main board and a wifi module, a bluetooth module, a data transmission interface, a headphone jack and a wireless communication module, and the overall structure is simple and convenient to implement.
  • the mobile communication terminal of the present invention can be implemented based on a mobile phone or a computer, and is convenient to carry, and can be used not only for business-to-business and business-to-person payment, but also for personal-to-individual payment, and is convenient for promotion and application.
  • the application of the present invention can be implemented by the Bluetooth module or the wifi module when the account information and the payment amount are confirmed, but the information communication is encrypted when the information is transmitted between the specific payment and the payment management server, and the present invention hands over the payment process.
  • the payment management server and the banking system are executed with high security.
  • FIG. 1 is a schematic structural diagram of a mobile communication payment system according to the present invention.
  • FIG. 2 is a schematic structural diagram of a mobile communication terminal according to the present invention.
  • Figure 3 is a flow chart showing the operation of the present invention for fee payment.
  • the mobile communication payment system includes a payment management platform and a banking system. And a mobile communication terminal, wherein the number of mobile communication terminals is plural, the mobile communication terminal is implemented based on a mobile phone or a computer, and the payment management platform includes a payment enterprise bus account information server, a payment management server, and a payment log server, an account information server, and a payment management.
  • the server and the payment log server are both connected to the payment enterprise bus, and the account information server is used for storing account information of the mobile communication terminal, and the account information of the mobile communication terminal includes an account number, a nickname, a password and a mobile phone number, and the account information server ensures each mobile communication terminal.
  • the corresponding account number, nickname and mobile phone number are unique therein, and the payment management server is used for information transmission between the paying party mobile communication terminal, the payee mobile communication terminal and the banking system and makes control commands.
  • the payment enterprise bus is connected to the banking system through a bank line, and the mobile communication terminal includes a motherboard and a Wlfl module connected to the motherboard, a Bluetooth module, a data transmission interface, and a headphone jack.
  • the payment management platform and the mobile communication terminal are both provided with a wireless communication module, and the wireless communication module of the payment management platform is connected with the payment enterprise bus, and the wireless communication module of the mobile communication terminal is connected with the main board.
  • the payment management platform also includes a payment enterprise firewall connected to the payment enterprise bus.
  • the method for the payment of the payment by the mobile communication payment system includes the following steps: Step 1: Register the mobile communication terminal account information on the payment management platform, and log in; Step 2: Confirmation of the payment object; Step 3: Confirmation of payment amount; Step 4: Confirm payment; Step 5: Perform payment and send information on the success of payment to the payer mobile communication terminal and the payee mobile communication terminal.
  • Step 1 Register the mobile communication terminal account information on the payment management platform, and log in
  • Step 2 Confirmation of the payment object
  • Step 3 Confirmation of payment amount
  • Step 4 Confirm payment
  • Step 5 Perform payment and send information on the success of payment to the payer mobile communication terminal and the payee mobile communication terminal.
  • the account information server in the payment management platform stores account information of all registered mobile communication terminals, wherein the account information server ensures that each account of the account information stored therein is unique .
  • the account information is registered on both the paying party mobile communication terminal and the payee mobile communication terminal, so that both the paying party mobile communication terminal and the payee mobile communication terminal establish a wireless connection with the payment management platform;
  • the specific process of determining the payment object is: the paying party mobile communication terminal and the payee mobile communication terminal simultaneously open the Wifi module or the Bluetooth module, and the payer mobile communication terminal or the payee mobile communication terminal searches for a certain range. Within the mobile communication terminal device, find the other party and establish a connection.
  • the specific process of determining the payment amount is: adopting a data line, and the two ends are respectively connected with the earphone jack of the confirmation information sender and the data interface of the confirmation information receiver, wherein the payer mobile communication terminal and the payment One of the party mobile communication terminals serves as the sender of the confirmation information, and the other party serves as the receiver of the confirmation information; the sender of the confirmation information encodes and modulates the account information and the payment amount into the music, and then receives the confirmation information through the headphone jack.
  • the party confirms that the information receiver collects music through its data interface, demodulates and decodes the collected music, and obtains the account and payment amount information of the sender of the confirmation information, and the payer determines whether the account of the sender of the confirmation information and the payment amount information are correct. If it is correct, it sends the feedback information indicating success to the sender of the confirmation message, and completes the determination. If the error is sent, the feedback message indicating the failure is sent to the sender of the confirmation message, and then re-identified or withdrawn.
  • the specific process of confirming the payment in this embodiment is: the payee mobile communication terminal encrypts the acquired payer mobile communication terminal account information and the payment amount and sends it to the payment management server; the payment management server will obtain the payment amount and the payee After the mobile communication terminal account information is decrypted, it is encrypted and sent to the payer mobile communication terminal; the payer mobile communication terminal decrypts the received payment amount and the payee mobile communication terminal account information, and determines the payee mobile communication terminal account information.
  • the payment management server receives the information fed back by the paying party mobile communication terminal and decrypts, if the payment amount and the payment party mobile communication terminal account information are incorrect, Send an error message to the payer's mobile communication terminal End and payee mobile communication terminal, the payment process ends, if the payment amount and the payee mobile communication terminal account information are correct, the payment management server will account the account information of the payer mobile communication terminal, the account of the payee mobile communication terminal
  • the information, as well as the amount of the payment are sent to the banking system via the bank line.
  • the encryption process in the confirmation payment process uses an asymmetric encryption algorithm. In this embodiment, the RSA algorithm is preferably used.
  • the payment management platform sends a series of information to the paying party mobile communication terminal, and the user passes the information.
  • a simple algorithm or calculation is sent by the paying party mobile communication terminal to the payment management platform, and after the information is reconfirmed, the payment management server transmits the information to the banking system.
  • the algorithm can be as follows: The payment management platform sends a string of digits to the user, and the user finds a certain value at a specific position of the string of digits and inputs the verification.
  • the specific process of the payment and sending the success or failure of the payment to the payer mobile communication terminal and the payee mobile communication terminal in the embodiment is: the banking system determines whether the amount in the payment party mobile communication terminal is sufficient, and if not, the transfer is stopped. Sending unsuccessful information due to insufficient amount of money to the payment management server, and then encrypting it by the payment management server and then feeding back to the payer mobile communication terminal and the payee mobile communication terminal. If the amount is sufficient, the transfer is completed, and the transfer is successful. The information is fed back to the payment management server, and then encrypted by the payment management server and fed back to the payer mobile communication terminal and the payee mobile communication terminal.
  • the difference between this embodiment and the embodiment 1 is that the payment amount is determined differently.
  • the determination of the payment amount in the embodiment includes the following steps: using one data line, the two ends respectively connect the data interface of the payment party mobile communication terminal and receive The data interface of the paying mobile communication terminal, the payment party mobile communication terminal.
  • the terminal and the payee mobile communication terminal respectively act as the acknowledgment information sender and the acknowledgment information receiver, and the acknowledgment information sender transmits its account information and payment amount to the acknowledgment information receiver, and confirms that the information receiver recognizes the acknowledgment information sender's account and payment. If the amount information is correct, if it is correct, the feedback information indicating success is sent to the sender of the confirmation information, and the confirmation is completed. If the error is sent, the feedback information indicating the failure is sent to the sender of the confirmation information, and then the information is re-identified or withdrawn.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明公开了移动通信支付系统，包括支付管理平台、银行系统及多个移动通信终端，其中，支付管理平台包括支付企业总线及与支付企业总线连接的账户信息服务器和支付管理服务器，支付企业总线通过银行专线与银行系统连接，移动通信终端包括主板及与主板连接的wifi模块、蓝牙模块、数据传输接口、耳机插孔。支付管理平台和移动通信终端均设有无线通信模块，支付管理平台的无线通信模块与支付企业总线连接，移动通信终端的无线通信模块与主板连接。本发明还公开了上述移动通信支付系统用于费用支付的方法，本发明的系统整体结构简单，便于实现，成本低，携带便捷，可用于个人对个人的费用支付，支付过程通过支付管理服务器加密通讯，安全性高。

Description

说 明 书
移动通信支付系统及其用于费用支付的方法
技术领域
本发明涉及电子支付系统， 具体是移动通信支付系统及其用于费用支付的方 法。
背景技术
随着社会的发展， 交易中方便快捷的支付方式越来越受到人们的青睐， 现今在交易中常常会应用到刷卡机和收费机， 交易时通过刷卡即可完成电子 支付。 然而， 现有刷卡机和收费机存在以下缺陷： 一、 采用输密码型刷卡机 或收费机进行金额交易， 易出现密码被盗的情况， 存在安全隐患； 二、 采用 直接刷卡型刷卡机或收费机进行交易，不需要输入密码，支付金额一般确定， 不便于多种数额的支付； 三、 现有刷卡机或收费机均不便于携带， 其不便于 进行个人对个人的金额交易， 存在交易局限性。
发明内容
本发明的目的在于克服现有技术的不足， 提供了一种便于携带、 安全性 高、 且能满足实时输入金额进行支付的移动通信支付系统， 本发明还公开了 该移动通信支付系统用于费用支付的方法。
本发明的目的主要通过以下技术方案实现： 移动通信支付系统， 包括支 付管理平台、 银行系统及多个移动通信终端， 所述支付管理平台包括支付企 业总线及与支付企业总线连接的账户信息服务器和支付管理服务器， 所述账 户信息服务器用于存储移动通信终端的账户信息， 支付管理服务器用于支付 方移动通信终端、 收付方移动通信终端及银行系统之间进行信息传输并做出 控制指令， 所述支付企业总线通过银行专线与银行系统连接， 所述移动通信 终端包括主板及与主板连接的 Wlfl模块、 蓝牙模块、 数据传输接口、 耳机插 孔； 所述支付管理平台和移动通信终端均设有无线通信模块， 支付管理平台 的无线通信模块与支付企业总线连接， 移动通信终端的无线通信模块与主板 连接。
进一歩的， 所述支付管理平台还包括与支付企业总线连接的用于存储交 易记录的支付日志服务器。
进一歩的， 所述移动通信终端为手机或电脑。 因现有手机和电脑为人们 出行时常随身携带的设备， 将本发明基于手机或电脑上应用， 使本发明应用 时更加便捷。
移动通信支付系统用于费用支付的方法， 包括以下歩骤：
歩骤一、支付方移动通信终端和收付方移动通信终端均在支付管理平台上 注册， 支付管理平台中的账户信息服务器存储所有注册移动通信终端的账户 信息， 其中， 账户信息服务器保证其内存储的账户信息的每个账号唯一； 歩骤二、在支付方移动通信终端上和收付方移动通信终端上均登录各自的 账户信息， 使支付方移动通信终端和收付方移动通信终端均与支付管理平台 建立无线连接；
歩骤三、支付方移动通信终端和收付方移动通信终端认定支付对象和支付 金额；
歩骤四、支付管理服务器获取支付方移动通信终端的账户信息、收付方移 动通信终端的账户信息及支付金额；
歩骤五、支付管理服务器将支付方移动通信终端的账户信息、收付方移动 通信终端的账户信息、 以及支付金额通过银行专线发送至银行系统； 歩骤六、银行系统判断支付方移动通信终端内金额是否充足，若不充足则 停止转账， 将因金额不足而支付未成功的信息反馈至支付管理服务器， 再由 支付管理服务器加密后反馈至支付方移动通信终端和收付方移动通信终端， 若金额充足则完成转账， 并将转账成功的信息反馈至支付管理服务器， 再由 支付管理服务器加密后反馈至支付方移动通信终端和收付方移动通信终端。 其中， 在完成一次注册后， 在后续用于费用支付时可省略掉歩骤一。
进一歩的， 所述歩骤三中支付对象的认定包括以下歩骤： 支付方移动通 信终端和收付方移动通信终端均同时打开 Wifi模块或蓝牙模块， 支付方移动 通信终端或收付方移动通信终端搜索一定范围内的移动通信终端设备， 找到 对方并建立连接。 本发明在具体建立连接时可通过以下方式实现： 支付方和 收付方同时按个移动通信终端的某个数字、 字母或摇动手机， 通过 wifi模块
/蓝牙模块査询附近手机是否按下相同按键， 将同时按下相同按键的手机列 出， 并列出对应的账户， 如有多个同时按下， 手工选择正确的支付对象账户。
作为本发明支付金额认定的第一种实施方式， 所述歩骤三中支付金额的 认定包括以下歩骤：
歩骤 a. l、采用一根数据线，两端分别连接确认信息发送方的耳机插孔和 确认信息接收方的数据接口， 其中， 支付方移动通信终端和收付方移动通信 终端两者中任意一方作为确认信息发送方， 另一方作为确认信息接收方； 歩骤 a.2、 确认信息发送方将其账户信息和支付金额编码并调制入音乐， 再通过其耳机插孔向确认信息接收方播放；
歩骤 a.3、确认信息接收方通过其数据接口收录音乐，并将收录的音乐解 调解码， 得到确认信息发送方的账户和支付金额信息， 支付方认定确认信息 发送方的账户和支付金额信息是否正确， 若正确则发送认定成功的反馈信息 至确认信息发送方， 完成认定， 若错误则发送认定失败的反馈信息至确认信 息发送方， 再重新认定或撤回。
作为本发明支付金额认定的第二种实施方式， 所述歩骤三中支付金额的 认定包括以下歩骤： 采用一根数据线， 两端分别连接支付方移动通信终端的 数据接口和收付方移动通信终端的数据接口， 支付方移动通信终端和收付方 移动通信终端分别作为确认信息发送方和确认信息接收方， 确认信息发送方 发送其账户信息和支付金额至确认信息接收方， 确认信息接收方认定确认信 息发送方的账户和支付金额信息是否正确， 若正确则发送认定成功的反馈信 息至确认信息发送方， 完成认定， 若错误则发送认定失败的反馈信息至确认 信息发送方， 再重新认定或撤回。
进一歩的，所述移动通信终端的账户信息包括账号、昵称、密码及手机号。 进一歩的，所述歩骤四中支付管理服务器获取账户信息和支付金额包括以 下歩骤：
歩骤 b. l、 收付方移动通信终端将获取的支付方移动通信终端账户信息和 支付金额加密后发送至支付管理服务器；
歩骤 b.2、 支付管理服务器将获取的支付金额和收付方移动通信终端账户 信息解密后， 再加密发送至支付方移动通信终端；
歩骤 b.3、 支付方移动通信终端将接收到的支付金额和收付方移动通信终 端账户信息进行解密， 判断收付方移动通信终端账户信息和支付金额是否正 确， 并将判断后的信息加密反馈至支付管理服务器； 歩骤 b.4、 支付管理服务器接收支付方移动通信终端反馈的信息并进行解 密， 若支付金额和收付方移动通信终端账户信息错误， 则发送错误提示信息 至支付方移动通信终端和收付方移动通信终端， 支付过程结束， 若支付金额 和收付方移动通信终端账户信息正确， 则进入下一歩骤。
进一歩的， 所述歩骤 b.l〜歩骤 b.4中加密过程采用非对称加密算法。 与现有技术相比， 本发明具有以下有益效果： （1 ) 本发明的移动通信终 端包括主板及 wifi模块、 蓝牙模块、 数据传输接口、 耳机插孔及无线通信模 块， 整体结构简单， 便于实现， 成本低， 本发明的移动通信终端可基于手机 或电脑实现， 携带便捷， 不仅可用于企业对企业和企业对个人的支付， 还可 用于个人对个人的支付， 便于推广应用。
(2 )本发明应用时在账户信息和支付金额确认时可通过蓝牙模块或 wifi 模块实现， 但在进行具体支付与支付管理服务器之间进行信息传输时加密信 息通讯，本发明将支付过程交由支付管理服务器和银行系统执行，安全性高。
附图说明
图 1为本发明中移动通信支付系统的结构示意图；
图 2为本发明中移动通信终端的结构示意图；
图 3为本发明用于费用支付时的操作流程图。
具体实施方式
下面结合实施例及附图对本发明做进一歩的详细说明， 但本发明的实施 方式不限于此。
实施例 1
如图 1及图 2所示， 移动通信支付系统， 包括支付管理平台、 银行系统 及移动通信终端， 其中， 移动通信终端的数量为多个， 移动通信终端基于手 机或电脑实现， 支付管理平台包括支付企业总线账户信息服务器、 支付管理 服务器及支付日志服务器， 账户信息服务器、 支付管理服务器及支付日志服 务器均与支付企业总线连接， 账户信息服务器用于存储移动通信终端的账户 信息， 移动通信终端的账户信息包括账号、 昵称、 密码及手机号， 账户信息 服务器保证每个移动通信终端所对应的账号、 昵称及手机号在其内唯一， 支 付管理服务器用于支付方移动通信终端、 收付方移动通信终端及银行系统之 间进行信息传输并做出控制指令。 支付企业总线通过银行专线与银行系统连 接， 移动通信终端包括主板及与主板连接的 Wlfl模块、 蓝牙模块、 数据传输 接口、 耳机插孔。 支付管理平台和移动通信终端均设有无线通信模块， 支付 管理平台的无线通信模块与支付企业总线连接， 移动通信终端的无线通信模 块与主板连接。 为了提高安全性， 支付管理平台还包括与支付企业总线连接 的支付企业防火墙。
如图 3所示， 移动通信支付系统用于费用支付的方法， 包括以下歩骤： 歩 骤一、 在支付管理平台上注册移动通信终端账户信息， 并登录； 歩骤二、 支 付对象认定； 歩骤三、 支付金额认定； 歩骤四、 确认支付； 歩骤五、 进行支 付并发送支付成功与否的信息至支付方移动通信终端和收付方移动通信终 端。 其中， 在支付管理平台上注册移动通信终端账户信息时， 支付管理平台 中的账户信息服务器存储所有注册移动通信终端的账户信息， 其中， 账户信 息服务器保证其内存储的账户信息的每个账号唯一。 在支付方移动通信终端 上和收付方移动通信终端上均登录各自的账户信息， 使支付方移动通信终端 和收付方移动通信终端均与支付管理平台建立无线连接； 本实施例中进行支付对象认定时的具体过程为：支付方移动通信终端和收 付方移动通信终端均同时打开 Wifi模块或蓝牙模块， 支付方移动通信终端或 收付方移动通信终端搜索一定范围内的移动通信终端设备， 找到对方并建立 连接。
本实施例中进行支付金额认定的具体过程为：采用一根数据线，两端分别 连接确认信息发送方的耳机插孔和确认信息接收方的数据接口， 其中， 支付 方移动通信终端和收付方移动通信终端两者中任意一方作为确认信息发送 方， 另一方作为确认信息接收方； 确认信息发送方将其账户信息和支付金额 编码并调制入音乐， 再通过其耳机插孔向确认信息接收方播放； 确认信息接 收方通过其数据接口收录音乐， 并将收录的音乐解调解码， 得到确认信息发 送方的账户和支付金额信息， 支付方认定确认信息发送方的账户和支付金额 信息是否正确， 若正确则发送认定成功的反馈信息至确认信息发送方， 完成 认定， 若错误则发送认定失败的反馈信息至确认信息发送方， 再重新认定或 撤回。
本实施例中确认支付的具体过程为： 收付方移动通信终端将获取的支付 方移动通信终端账户信息和支付金额加密后发送至支付管理服务器； 支付管 理服务器将获取的支付金额和收付方移动通信终端账户信息解密后， 再加密 发送至支付方移动通信终端； 支付方移动通信终端将接收到的支付金额和收 付方移动通信终端账户信息进行解密， 判断收付方移动通信终端账户信息和 支付金额是否正确， 并将判断后的信息加密反馈至支付管理服务器； 支付管 理服务器接收支付方移动通信终端反馈的信息并进行解密， 若支付金额和收 付方移动通信终端账户信息错误， 则发送错误提示信息至支付方移动通信终 端和收付方移动通信终端， 支付过程结束， 若支付金额和收付方移动通信终 端账户信息正确， 则由支付管理服务器将支付方移动通信终端的账户信息、 收付方移动通信终端的账户信息、 以及支付金额通过银行专线发送至银行系 统。 其中， 在确认支付过程中的加密过程采用非对称加密算法， 本实施例优 选采用 RSA算法。
为了提高本实施例应用时的安全性， 在支付方移动通信终端判断收付方 移动通信终端账户信息和支付金额正确时， 支付管理平台向支付方移动通信 终端发送一串信息， 用户通过这个信息进行简单算法或计算由支付方移动通 信终端发送至支付管理平台， 完成信息的再次确认后， 由支付管理服务器向 银行系统发送信息。 在确认过程中算法可如下： 支付管理平台向用户发送一 串数字串， 由用户找出某个数值在该串数字串的具体位置并输入验证。
本实施例进行支付并发送支付成功与否的信息至支付方移动通信终端和 收付方移动通信终端的具体过程为： 银行系统判断支付方移动通信终端内金 额是否充足， 若不充足则停止转账， 将因金额不足而支付未成功的信息反馈 至支付管理服务器， 再由支付管理服务器加密后反馈至支付方移动通信终端 和收付方移动通信终端， 若金额充足则完成转账， 并将转账成功的信息反馈 至支付管理服务器， 再由支付管理服务器加密后反馈至支付方移动通信终端 和收付方移动通信终端。
实施例 2
本实施例与实施例 1的区别在于支付金额的认定方式不同， 本实施例中 支付金额的认定包括以下歩骤： 采用一根数据线， 两端分别连接支付方移动 通信终端的数据接口和收付方移动通信终端的数据接口， 支付方移动通信终 端和收付方移动通信终端分别作为确认信息发送方和确认信息接收方， 确认 信息发送方发送其账户信息和支付金额至确认信息接收方， 确认信息接收方 认定确认信息发送方的账户和支付金额信息是否正确， 若正确则发送认定成 功的反馈信息至确认信息发送方， 完成认定， 若错误则发送认定失败的反馈 信息至确认信息发送方， 再重新认定或撤回。
以上内容是结合具体的优选实施方式对本发明作的进一歩详细说明， 不 能认定本发明的具体实施方式只局限于这些说明。 对于本发明所属技术领域 的普通技术人员来说， 在不脱离本发明的技术方案下得出的其他实施方式， 均应包含在本发明的保护范围内。

Claims

^ m ^
1. 移动通信支付系统， 其特征在于， 包括支付管理平台、银行系统及多个移 动通信终端，所述支付管理平台包括支付企业总线及与支付企业总线连接 的账户信息服务器和支付管理服务器，所述账户信息服务器用于存储移动 通信终端的账户信息，支付管理服务器用于支付方移动通信终端、收付方 移动通信终端及银行系统之间进行信息传输并做出控制指令，所述支付企 业总线通过银行专线与银行系统连接，所述移动通信终端包括主板及与主 板连接的 Wlfl模块、 蓝牙模块、 数据传输接口、 耳机插孔； 所述支付管 理平台和移动通信终端均设有无线通信模块，支付管理平台的无线通信模 块与支付企业总线连接， 移动通信终端的无线通信模块与主板连接。
2. 根据权利要求 1所述的移动通信支付系统，其特征在于，所述支付管理平 台还包括与支付企业总线连接的用于存储交易记录的支付日志服务器。
3. 根据权利要求 1或 2所述的移动通信支付系统，其特征在于，所述移动通 信终端为手机或电脑。
4. 移动通信支付系统用于费用支付的方法， 其特征在于， 包括以下歩骤： 歩骤一、支付方移动通信终端和收付方移动通信终端均在支付管理平台上 注册， 支付管理平台中的账户信息服务器存储所有注册移动通信终端的账户 信息， 其中， 账户信息服务器保证其内存储的账户信息的每个账号唯一； 歩骤二、在支付方移动通信终端上和收付方移动通信终端上均登录各自的 账户信息， 使支付方移动通信终端和收付方移动通信终端均与支付管理平台 建立无线连接；
歩骤三、支付方移动通信终端和收付方移动通信终端认定支付对象和支付 金额；
歩骤四、支付管理服务器获取支付方移动通信终端的账户信息、收付方移 动通信终端的账户信息及支付金额；
歩骤五、支付管理服务器将支付方移动通信终端的账户信息、收付方移动 通信终端的账户信息、 以及支付金额通过银行专线发送至银行系统；
歩骤六、银行系统判断支付方移动通信终端内金额是否充足，若不充足则 停止转账， 将因金额不足而支付未成功的信息反馈至支付管理服务器， 再由 支付管理服务器加密后反馈至支付方移动通信终端和收付方移动通信终端， 若金额充足则完成转账， 并将转账成功的信息反馈至支付管理服务器， 再由 支付管理服务器加密后反馈至支付方移动通信终端和收付方移动通信终端。
5. 根据权利要求 4所述的移动通信支付系统用于费用支付的方法，其特征在 于，所述歩骤三中支付对象的认定包括以下歩骤：支付方移动通信终端和 收付方移动通信终端均同时打开 wifi模块或蓝牙模块， 支付方移动通信 终端或收付方移动通信终端搜索一定范围内的移动通信终端设备，找到对 方并建立连接。
6. 根据权利要求 4所述的移动通信支付系统用于费用支付的方法，其特征在 于， 所述歩骤三中支付金额的认定包括以下歩骤：
歩骤 a. l、 采用一根数据线， 两端分别连接确认信息发送方的耳机插孔和 确认信息接收方的数据接口， 其中， 支付方移动通信终端和收付方移动通信 终端两者中任意一方作为确认信息发送方， 另一方作为确认信息接收方； 歩骤 a.2、 确认信息发送方将其账户信息和支付金额编码并调制入音乐， 再通过其耳机插孔向确认信息接收方播放； 歩骤 a.3、确认信息接收方通过其数据接口收录音乐，并将收录的音乐解 调解码， 得到确认信息发送方的账户和支付金额信息， 支付方认定确认信息 发送方的账户和支付金额信息是否正确， 若正确则发送认定成功的反馈信息 至确认信息发送方， 完成认定， 若错误则发送认定失败的反馈信息至确认信 息发送方， 再重新认定或撤回。
7. 根据权利要求 4所述的移动通信支付系统用于费用支付的方法，其特征在 于， 所述歩骤三中支付金额的认定包括以下歩骤： 采用一根数据线， 两端 分别连接支付方移动通信终端的数据接口和收付方移动通信终端的数据 接口，支付方移动通信终端和收付方移动通信终端分别作为确认信息发送 方和确认信息接收方，确认信息发送方发送其账户信息和支付金额至确认 信息接收方，确认信息接收方认定确认信息发送方的账户和支付金额信息 是否正确，若正确则发送认定成功的反馈信息至确认信息发送方，完成认 定，若错误则发送认定失败的反馈信息至确认信息发送方，再重新认定或 撤回。
8. 根据权利要求 4所述的移动通信支付系统用于费用支付的方法，其特征在 于， 所述移动通信终端的账户信息包括账号、 昵称、 密码及手机号。
9. 根据权利要求 4〜8中任意一项所述的移动通信支付系统用于费用支付的 方法，其特征在于，所述歩骤四中支付管理服务器获取账户信息和支付金 额包括以下歩骤：
歩骤 b. l、 收付方移动通信终端将获取的支付方移动通信终端账户信息和 支付金额加密后发送至支付管理服务器；
歩骤 b.2、 支付管理服务器将获取的支付金额和收付方移动通信终端账户 信息解密后， 再加密发送至支付方移动通信终端； 歩骤 b.3、 支付方移动通信终端将接收到的支付金额和收付方移动通信终 端账户信息进行解密， 判断收付方移动通信终端账户信息和支付金额是否正 确， 并将判断后的信息加密反馈至支付管理服务器； 歩骤 b.4、 支付管理服务器接收支付方移动通信终端反馈的信息并进行解 密， 若支付金额和收付方移动通信终端账户信息错误， 则发送错误提示信息 至支付方移动通信终端和收付方移动通信终端， 支付过程结束， 若支付金额 和收付方移动通信终端账户信息正确， 则进入下一歩骤。
10.根据权利要求 9所述的移动通信支付系统用于费用支付的方法， 其特征在 于， 所述歩骤 b.l〜歩骤 b.4中加密过程采用非对称加密算法。
PCT/CN2014/084333 2013-10-24 2014-08-14 移动通信支付系统及其用于费用支付的方法 WO2015058576A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201310505486.X 2013-10-24
CN201310505486.XA CN103530768A (zh) 2013-10-24 2013-10-24 移动通信支付系统及其用于费用支付的方法

Publications (1)

Publication Number Publication Date
WO2015058576A1 true WO2015058576A1 (zh) 2015-04-30

Family

ID=49932758

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2014/084333 WO2015058576A1 (zh) 2013-10-24 2014-08-14 移动通信支付系统及其用于费用支付的方法

Country Status (2)

Country Link
CN (1) CN103530768A (zh)
WO (1) WO2015058576A1 (zh)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103530768A (zh) * 2013-10-24 2014-01-22 成都衔石科技有限公司 移动通信支付系统及其用于费用支付的方法
CN103945321B (zh) * 2014-04-18 2017-10-20 小米科技有限责任公司 资源转移的方法和装置
CN105205656A (zh) * 2014-06-30 2015-12-30 深圳市同洲电子股份有限公司 购物支付方法及其系统
CN104616149B (zh) * 2015-02-06 2018-05-29 清华大学 基于蓝牙技术及生物特征识别的支付方法和系统
KR101560720B1 (ko) * 2015-03-24 2015-10-16 주식회사지니 암호화된 결제 정보를 이용한 결제 처리 시스템 및 그 방법
CN104794612A (zh) * 2015-04-30 2015-07-22 人人聘(北京)网络科技有限公司 用于快捷支付的通信终端、通信系统及其方法

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101159054A (zh) * 2007-11-14 2008-04-09 范传东 一种通过移动通讯设备渠道实现货币支付的方法
CN101990772A (zh) * 2008-04-02 2011-03-23 环球1企业公司 为使用移动电话装置的支付业务授权的交易服务器
CN102496125A (zh) * 2011-12-21 2012-06-13 成都英黎科技有限公司 基于移动终端的转账方法及系统
WO2012153259A1 (en) * 2011-05-06 2012-11-15 Valadas Preto Manuel Janssen Telematic payment card
CN103530768A (zh) * 2013-10-24 2014-01-22 成都衔石科技有限公司 移动通信支付系统及其用于费用支付的方法

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
CN202548909U (zh) * 2012-04-27 2012-11-21 深圳市神州海纳科技有限公司 基于平板电脑的移动支付装置

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101159054A (zh) * 2007-11-14 2008-04-09 范传东 一种通过移动通讯设备渠道实现货币支付的方法
CN101990772A (zh) * 2008-04-02 2011-03-23 环球1企业公司 为使用移动电话装置的支付业务授权的交易服务器
WO2012153259A1 (en) * 2011-05-06 2012-11-15 Valadas Preto Manuel Janssen Telematic payment card
CN102496125A (zh) * 2011-12-21 2012-06-13 成都英黎科技有限公司 基于移动终端的转账方法及系统
CN103530768A (zh) * 2013-10-24 2014-01-22 成都衔石科技有限公司 移动通信支付系统及其用于费用支付的方法

Also Published As

Publication number Publication date
CN103530768A (zh) 2014-01-22

Similar Documents

Publication Publication Date Title
WO2015058576A1 (zh) 移动通信支付系统及其用于费用支付的方法
CN102737308B (zh) 一种移动终端及其查询智能卡信息的方法和系统
CA2851895C (en) Person-to-person electronic payment processing
WO2013097358A1 (zh) 网络支付方法及装置
WO2012151894A1 (zh) 移动终端支付方法、系统及移动终端
CA2676848A1 (en) Methods and a system for providing transaction related information
JP2018110028A5 (zh)
EP2973343A1 (en) Pending deposit for payment processing system
WO2016074521A1 (zh) 支付方法、支付平台及终端
JP2010525461A5 (zh)
JP6032626B2 (ja) Ｎｆｃ認証カードを用いた認証方法
CN103914772B (zh) 用于移动支付的无线认证方法、系统及装置
CN103577983A (zh) 一种脱机消费电子货币的圈存方法
CN101834946A (zh) 一种进行安全手机支付的方法和进行安全支付的手机
CN105427105A (zh) 一种移动支付方法、系统及设备
WO2015135392A1 (zh) 一种o2o安全支付方法和系统
WO2012034339A1 (zh) 一种实现网络支付的方法及移动终端
TW201523476A (zh) 基於網際網路的安全支付系統及安全支付方法
CN102215106B (zh) 无线智能密钥装置及其签名方法
CN105741116A (zh) 一种快捷支付方法、装置及系统
CN104898410B (zh) 一种智能手表充值方法
CN108985768B (zh) 一种数据转移系统、方法及装置
CN105719130B (zh) 支付验证方法、装置及系统
WO2009129749A1 (zh) 手机支付方法、系统及终端
CN104102934A (zh) 一种便携式ic卡读写装置、系统及方法

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 14855355

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 14855355

Country of ref document: EP

Kind code of ref document: A1

122 Ep: pct application non-entry in european phase

Ref document number: 14855355

Country of ref document: EP

Kind code of ref document: A1