CN101373529A - Method using mobile communication device as payment tool - Google Patents
Method using mobile communication device as payment tool Download PDFInfo
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- CN101373529A CN101373529A CNA2007101475370A CN200710147537A CN101373529A CN 101373529 A CN101373529 A CN 101373529A CN A2007101475370 A CNA2007101475370 A CN A2007101475370A CN 200710147537 A CN200710147537 A CN 200710147537A CN 101373529 A CN101373529 A CN 101373529A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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]
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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Abstract
The invention discloses a method for using a mobile communication device as a payment tool. A consumer utilizes the mobile communication device and adopts the mobile payment mode to carry out a commercial transaction with a shop, the shop code generation step is to recognize the shop identity in a transaction behavior for allowing the consumer to input the shop code into the mobile communication device to be transferred to an integrated receipt and payment platform which establishes the mobile receipt and payment acceptance environment; transaction data is used for transferring the shop code and other transaction data to the integrated receipt and payment platform through the transfer step of the mobile communication device; and a transaction result utilizes the integrated receipt and payment platform to analyze the transaction result of the transaction data through the transfer steep of the communication device and then transfers the transaction result back onto the mobile communication device of the shop and the consumer as the basis of the transaction result. The method can complete the transaction safety of both parties of the shop and the consumer.
Description
Technical field
The present invention relates to a kind of method of the means of payment, be particularly related to a kind of device for mobile communication at shop and consumer, and have and can pay platform with shop, consumer's the device for mobile communication and the integration revenue and expenditure of financial institution's communication contact, replace the method for the use device for mobile communication of the payment mode that has consumer sale at present now as the means of payment.
Background technology
As everyone knows, the payment instrument of expenditure when but the plastic moneys such as stored value card of credit card or fiscard or Stored Value belong to a kind of consumption, because the change of life form, the function of plastic money is affirmed by the consumer gradually, convenience and security because of its use, the function that also progressively replaces part cash and check uses the mode of plastic money consumption to have entity to swipe the card and the transaction of network card sweeping at present.Following spy swipes the card entity and the mode of doing business of the operation of network card sweeping is done a simple declaration:
One. the entity operation of swiping the card: swipe the card in the shop that has receiving terminal apparatus for the consumer holds plastic money, link via the special line of the machine for punching the card of this receiving terminal apparatus consumer's plastic money data transmission is checked in the main frame of financial unit, when financial unit confirms that data are errorless, be about to authorization code that this transaction checks and approves and be sent to this shop and print and sign bill and give the client signature.The authorization code that financial unit transmitted then is stored in the receiving terminal apparatus in this shop, again by businessman voluntarily term settlement ask money to financial institution.
Two. network card sweeping operation: for passing through the network security host computer system in the shop, allow the consumer on the webpage that this shop provided, import oneself master data and plastic money data, transmit via special line, with the data of consumer's desire transaction via enclosed special line, with network security certification SSL (Secure Socket Layer) or electronic security(ELSEC) trading rules SET (specification, Secure Electronic Transaction) encryption and decryption is handled, transmit transaction data again, deliver to financial institution and obtain authorization identifying, this is the network card sweeping trade mode just, for the consumer accepts, be the most general modes of payments of present e-commerce transaction at present.
Yet, because above-mentioned listed entity is swiped the card or network card sweeping, record or complete staying in the host computer system of shop are picked with the master data of plastic money that the consumer holds in the capital, make consumer's plastic money data outflow easily, as: the consumer is when swiping the card transaction, make perfectly clear that the people will see easily on the computing machine of businessman, perhaps in being sent to the process of businessman, make the people utilize network hacker that consumer's plastic money data interception is usurped easily, in case consumer's plastic money data are outflowed, the then easy stolen brush of consumer's plastic money, and consumer, businessman, the transaction risk that financial institution also will be lost is well imagined.
Based on this, the inventor has problems at conditional electronic business transaction mode, adhering to practical experience for many years, this is studied, improved, and after repeatedly testing, detect and trying out, finally successfully develop one and use the method for device for mobile communication, can make the transaction flow of plastic money lead to guarantee in the security as the means of payment.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of method of using device for mobile communication as the means of payment, utilize a cover to integrate fiscard, the integration revenue and expenditure that the device for mobile communication of plastic money such as credit card or stored value card is used is paid platform, allow the consumer use a device for mobile communication voluntarily (as the mobile phone of visible handset, the PDA palmtop computer, SMART PHONE intelligent mobile phones etc.) password is logined in input, apply for all shop codes by the shop, the plastic money data, dealing money, be sent to the integration revenue and expenditure that links financial institution and pay platform, paying platform by this revenue and expenditure finishes the message result with financial institution and is back to the consumer, the device for mobile communication in shop is promptly finished the trading activity of system.
Secondary objective of the present invention is the receiving terminal apparatus that replaces online store transaction data transmission behavior and general shop with a shop code, as long as the shop is paid the platform registration and is obtained a shop code to integrating revenue and expenditure, can provide the consumer to use device for mobile communication to replace the trading activity of plastic money, and be provided with fast and integrate mobile revenue and expenditure and pay the disposal environment of system.
The present invention adopts following technological means to realize:
A kind of method of using device for mobile communication as the means of payment, utilize device for mobile communication by the consumer, take mobile way of paying and shop to carry out business transaction, the shop code produces step, it is to do to know the shop status in a trading activity that this shop code produces step,, transfer to one and build and put mobile revenue and expenditure and pay the integration revenue and expenditure of disposal environment and pay platform in this shop code input device for mobile communication for the consumer; Transaction data is paid platform by the device for mobile communication transmitting step for above-mentioned transmission of transaction data such as shop code to above-mentioned integration revenue and expenditure; Transaction results is by the device for mobile communication transmitting step, after utilizing above-mentioned integration revenue and expenditure to pay platform transaction data is analyzed transaction results, transaction results is back on this shop and consumer's the device for mobile communication, as the foundation of transaction results again.
Aforesaid device for mobile communication, in be loaded with the execution pattern of software running.
The shop code must application for registration be obtained in aforesaid shop, for can be used as above-mentioned device for mobile communication and integrating revenue and expenditure and pay the binding of platform disposal environment is provided.
Aforesaid software can be surfed the Net voluntarily by the consumer and be downloaded payment execution option.
Aforesaid software can be added in the device for mobile communication menu by communication dealer option executive mode.
Aforesaid way of paying are credit card, it is input into the transaction data of above-mentioned device for mobile communication, comprise: shop code, credit card information, dealing money, this transaction processing program links financial institution obtaining the credit card trade mandate according to this transaction data direct-on-line, and with credit card authorization result and dealing money as this transaction results.
Aforesaid way of paying are fiscard, input is at the transaction data of above-mentioned device for mobile communication, comprise: shop code, fiscard data, dealing money, this transaction processing program is for directly earlier linking a financial institution obtaining the fiscard mandate of withholing according to this transaction data, and with fiscard Authorization result and dealing money as this transaction results.
Aforesaid way of paying are stored value card, it is input into the transaction data of above-mentioned device for mobile communication, comprise: shop code, stored value card data, dealing money, this transaction processing program links prepayment Stored Value liquidation center according to this transaction data direct-on-line and the clearance result has been obtained at the long-pending point of bonus clearance center, and the bonus of dealing money and generation is amassed the some result as this transaction results.
Aforesaid transaction results is paid platform by above-mentioned integration revenue and expenditure, the transaction results message is back on this shop and consumer's the device for mobile communication, as the foundation of transaction results.
The present invention compared with prior art has following remarkable advantages and beneficial effect:
The present invention uses the method for device for mobile communication as the means of payment, device for mobile communication is become mobile revenue and expenditure pay instrument, the consumer is when carrying out business transaction with the shop, the consumer only need be about to shop code, dealing money, plastic money data certainly and transfer to by device for mobile communication and integrate revenue and expenditure and pay platform, at network trading, the consumer will the plastic money data not input on the payment page of online store; In the transaction of general shop, the consumer will a plastic money not transfer to the action that the paying of swiping the card is done in the shop, avoid the plastic money data to be captured and the danger of side record, trading message is integrated revenue and expenditure by one and is paid the device for mobile communication that platform is back to shop and consumer, promptly finishes whole transaction program.
Description of drawings
Fig. 1 is a credit card trade process flow diagram of the present invention;
Fig. 2 is fiscard transaction flow figure of the present invention;
Fig. 3 is an electronic-purse transaction process flow diagram of the present invention;
Fig. 4 is a system of the present invention block schematic diagram.
Embodiment
Below in conjunction with accompanying drawing specific embodiments of the invention are illustrated:
At first, a kind of method of using device for mobile communication as the means of payment that the present invention is designed is utilized a device for mobile communication by a shop 10 and a consumer 20, takes one to move way of paying and carry out the business transaction behavior, and it comprises:
The shop code produces step 30, and this shop code to produce step and know the shop status in order doing in a trading activity,, transfers to one and builds and put mobile revenue and expenditure and pay the integration revenue and expenditure of disposal environment and pay platform in this shop code input device for mobile communication for the consumer;
Transaction data is paid platform 41 by device for mobile communication transmitting step 40 for above-mentioned transmission of transaction data such as shop code to above-mentioned integration revenue and expenditure;
Transaction results is by the device for mobile communication transmitting step, utilizing above-mentioned integration revenue and expenditure to pay platform 41 passes through transaction results by communication transmitting step 60, transaction results is back on this shop 10 and consumer's 20 the device for mobile communication, again as the foundation of transaction results.
As mentioned above, see also shown in Figure 1, it is the transaction flow figure of the present invention with the plastic money of credit card, the present invention carries out required operating mode with a software loading on a device for mobile communication, and this software, provide device for mobile communication to pay installation and the drivers that platform 41 links transmission mutually by communication dealer 80 with the integration revenue and expenditure, and the mobile payment execution option that can provide this software to surf the Net voluntarily and download, or can this mobile payment be carried out in the menu of option adding device for mobile communication by communication dealer 80 by the consumer;
This device for mobile communication can cooperate the executable operations of above-mentioned software to transmit transaction data by third generation mobile 3G, the mode of integrating packet radio GPRS (GeneralPacket Radio Service), Wireless Application Protocol WAP (Wireless Application Protocol), short message service SMS (Short Message Service) etc. to pay platform 41 to integrating revenue and expenditure, as mobile phone, as mobile phone, PDA palmtop computer, SMART PHONE intelligent mobile phone etc.;
Above-mentioned shop 10 can be general shop or online store, must be by paying platform 41 bindings with device for mobile communication, integration revenue and expenditure and developing simple application for registration program and obtain the shop code; Can provide a consumer 20 to use a device for mobile communication, take one to move way of paying and enter transaction with a shop 10 and pay the bill;
And above-mentioned way of paying can be the plastic money of credit card, it is input into the transaction data of above-mentioned device for mobile communication, can comprise: shop code, credit card information, dealing money, this transaction processing program links financial institution to obtain the credit card trade mandate according to this transaction data direct-on-line, and with credit card authorization result and dealing money as this transaction results, as shown in Figure 1.
Above-mentioned way of paying can be the plastic money of fiscard, it is input into the transaction data of above-mentioned device for mobile communication, can comprise: shop code, fiscard data, dealing money, this transaction processing program is directly earlier gone up according to this transaction data and is linked a financial institution to obtain the fiscard mandate of withholing, and with fiscard Authorization result and dealing money as this transaction results, as shown in Figure 2.
Above-mentioned way of paying are stored value card, it is input into the transaction data of above-mentioned device for mobile communication, can comprise: shop code, stored value card data, dealing money, this transaction processing program links prepayment Stored Value liquidation center according to this transaction data direct-on-line and the clearance result has been obtained at the long-pending point of bonus clearance center 71, and with the long-pending point of the bonus of dealing money and generation result as this transaction results, as shown in Figure 3.
Above-mentioned transaction results is paid platform by above-mentioned integration revenue and expenditure, the transaction results message is back on this shop and consumer's the device for mobile communication, as the foundation of transaction results;
For this reason, return and consult shown in Figure 1ly, above-mentioned use device for mobile communication is as the method for the means of payment, and in this, with regard to the transaction flow with the plastic money of credit card, its step mainly comprises:
One shop code data produces step 30, a transaction data passes through device for mobile communication transmitting step 60 by device for mobile communication transmitting step 40, one transaction data treatment steps and a transaction results; Wherein:
This shop code data produces step 30, for identification shop status in a trading activity, so need to obtain the shop code by shop 10 applications, to allow the consumer with in the shop code input device for mobile communication, transfer to one and integrate revenue and expenditure and pay platform 41, its fundamental purpose is that mobile revenue and expenditure is paid building of disposal environment and put.
After consumer 20 learns the shop code, then carry out transaction data by device for mobile communication transmitting step 40, this transaction data is that consumer 20 uses device for mobile communication by device for mobile communication transmitting step 40, this transaction data (is climbed up to state as input and integrated revenue and expenditure and pay the platform preset password, the shop code, the plastic money data, dealing money) is sent to an integration revenue and expenditure and pays platform 41, pay platform 41 by this integration revenue and expenditure and carry out transaction processing step 50, this transaction results message returns to consumer 20 and shop 10, as the foundation of finishing transaction by device for mobile communication.
See also shown in Figure 2, the quite approximate credit card of the program that fiscard is paid is paid, its transaction processing program 53 links financial institution 70 to obtain the fiscard mandate of withholing according to this transaction data direct-on-line, financial institution 70 also can return the message of Transaction Success or failure, to allow transaction data treatment step 50 that fiscard is withholdd Authorization result and dealing money as this transaction results, this transaction results is by device for mobile communication transmitting step 60, give consumer 20 and shop 10 with this transaction results message by mobile communication back transfer, as the foundation of finishing transaction.
See also shown in Figure 3, the program that stored value card is paid, link prepayment Stored Value liquidation center and the long-pending point of bonus clearance center 71 according to this transaction data direct-on-line, to allow transaction results treatment step 50 that the bonus of the clearing transactions amount of money and generation is amassed the some result as this transaction results, this transaction results is by device for mobile communication transmitting step 60, this transaction results message is returned to consumer 20 and shop 10, as the foundation of finishing transaction by device for mobile communication.
As mentioned above, the designed a kind of method of using device for mobile communication as the means of payment of the present invention, in brief, as shown in Figure 4, be primarily aimed at shop and consumer and all hold device for mobile communication, and have can with the shop, the integration revenue and expenditure of consumer's device for mobile communication and financial institution's communication contact is paid platform, the payment mode that replaces at present existing consumer sale is (as cash, entity is swiped the card, network card sweeping), consumer 20 can use device for mobile communication way of paying and shop 10 to conclude the business, different Payment Methods have different gathering gold string routines, can allow online store and general shop 10 obtain the shop code by easy application formality, therefore general or online store need not bought more any computer hardware, allows financial institution 70 reduce the cost of buying computer hardware yet, safeguard the cost of computer hardware, eliminate the cost of trade-in computer hardware; Similarly, the device for mobile communication that also can allow consumer's 20 uses carry is paid to financial institution 70 shop code, dealing money, plastic money data transmission as transaction instrument, all plastic money data need not exposed to the open air be shown in online store and general shop 10, can reduce the possibility that the plastic money data leak, also reduce the possibility of stolen brush.
Above-listed detailed description specifies at a possible embodiments of the present invention, but this embodiment is not in order to limit practical range of the present invention, be all equivalence variations and modification that skill spirit of the present invention is done that do not break away from, all should be contained in the claim of the present invention.
Claims (9)
1. a method of using device for mobile communication as the means of payment is utilized device for mobile communication by the consumer, takes mobile way of paying and shop to carry out business transaction, it is characterized in that:
The shop code produces step, and it is to do to know the shop status in a trading activity that this shop code produces step,, transfers to one and builds and put mobile revenue and expenditure and pay the integration revenue and expenditure of disposal environment and pay platform in this shop code input device for mobile communication for the consumer;
Transaction data is paid platform by the device for mobile communication transmitting step for above-mentioned transmission of transaction data such as shop code to above-mentioned integration revenue and expenditure;
Transaction results is by the device for mobile communication transmitting step, after utilizing above-mentioned integration revenue and expenditure to pay platform transaction data is analyzed transaction results, transaction results is back on this shop and consumer's the device for mobile communication, as the foundation of transaction results again.
2. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: the execution pattern that is loaded with the software running in the above-mentioned device for mobile communication.
3. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: the shop code must application for registration be obtained in above-mentioned shop, for can be used as above-mentioned device for mobile communication and integrating revenue and expenditure and pay the binding of platform disposal environment is provided.
4. according to the described a kind of method of using device for mobile communication as the means of payment of claim 2, it is characterized in that: above-mentioned software can be surfed the Net voluntarily by the consumer and be downloaded payment execution option.
5. according to the described a kind of method of using device for mobile communication as the means of payment of claim 2, above-mentioned software can be added in the device for mobile communication menu by communication dealer option executive mode.
6. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: above-mentioned way of paying are credit card, it is input into the transaction data of above-mentioned device for mobile communication, comprise: shop code, credit card information, dealing money, this transaction processing program links financial institution obtaining the credit card trade mandate according to this transaction data direct-on-line, and with credit card authorization result and dealing money as this transaction results.
7. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: above-mentioned way of paying are fiscard, input is at the transaction data of above-mentioned device for mobile communication, comprise: shop code, fiscard data, dealing money, this transaction processing program is for directly earlier linking a financial institution obtaining the fiscard mandate of withholing according to this transaction data, and with fiscard Authorization result and dealing money as this transaction results.
8. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: above-mentioned way of paying are stored value card, it is input into the transaction data of above-mentioned device for mobile communication, comprise: shop code, stored value card data, dealing money, this transaction processing program links prepayment Stored Value liquidation center according to this transaction data direct-on-line and the clearance result has been obtained at the long-pending point of bonus clearance center, and the bonus of dealing money and generation is amassed the some result as this transaction results.
9. according to the described a kind of method of using device for mobile communication as the means of payment of claim 1, it is characterized in that: above-mentioned transaction results is paid platform by above-mentioned integration revenue and expenditure, the transaction results message is back on this shop and consumer's the device for mobile communication, as the foundation of transaction results.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101475370A CN101373529A (en) | 2007-08-24 | 2007-08-24 | Method using mobile communication device as payment tool |
| PCT/CN2008/000620 WO2009026778A1 (en) | 2007-08-24 | 2008-03-28 | Method of using mobile communication apparatus as payment instrument |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101475370A CN101373529A (en) | 2007-08-24 | 2007-08-24 | Method using mobile communication device as payment tool |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101373529A true CN101373529A (en) | 2009-02-25 |
Family
ID=40386663
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101475370A Pending CN101373529A (en) | 2007-08-24 | 2007-08-24 | Method using mobile communication device as payment tool |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN101373529A (en) |
| WO (1) | WO2009026778A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103684800B (en) * | 2012-09-20 | 2017-01-18 | 中国移动通信集团公司 | Application installation system and method, and device |
| TWI835486B (en) * | 2022-12-26 | 2024-03-11 | 合作金庫商業銀行股份有限公司 | Bonus reward system and management server |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
| ES2201808T3 (en) * | 1999-12-23 | 2004-03-16 | Swisscom Mobile Ag | PROCEDURE AND PAYMENT TRANSACTION SYSTEM. |
| US7254560B2 (en) * | 2000-12-09 | 2007-08-07 | Singhal Tara C | Method and apparatus for an integrated identity security and payment system |
-
2007
- 2007-08-24 CN CNA2007101475370A patent/CN101373529A/en active Pending
-
2008
- 2008-03-28 WO PCT/CN2008/000620 patent/WO2009026778A1/en active Application Filing
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103684800B (en) * | 2012-09-20 | 2017-01-18 | 中国移动通信集团公司 | Application installation system and method, and device |
| TWI835486B (en) * | 2022-12-26 | 2024-03-11 | 合作金庫商業銀行股份有限公司 | Bonus reward system and management server |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2009026778A1 (en) | 2009-03-05 |
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Open date: 20090225 |