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CN101916407A - Mobile payment platform, terminal, method and system - Google Patents

Mobile payment platform, terminal, method and system Download PDF

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Publication number
CN101916407A
CN101916407A CN2010102541545A CN201010254154A CN101916407A CN 101916407 A CN101916407 A CN 101916407A CN 2010102541545 A CN2010102541545 A CN 2010102541545A CN 201010254154 A CN201010254154 A CN 201010254154A CN 101916407 A CN101916407 A CN 101916407A
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China
Prior art keywords
payment
consumer
identity
trade company
portable terminal
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Pending
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CN2010102541545A
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Chinese (zh)
Inventor
王斌
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Telecom Corp Ltd
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China Telecom Corp Ltd
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Publication date
Application filed by China Telecom Corp Ltd filed Critical China Telecom Corp Ltd
Priority to CN2010102541545A priority Critical patent/CN101916407A/en
Publication of CN101916407A publication Critical patent/CN101916407A/en
Pending legal-status Critical Current

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Abstract

The invention provides a mobile payment platform, a mobile terminal, a mobile payment method and a mobile payment system and relates to the field of mobile communication. The mobile payment method comprises that: a soft POS terminal initiates a payment request to the payment platform according to the operation of a seller; the payment platform checks the identity of the seller and an account state of a consumer according to the payment request; the payment platform transmits a short message for requiring payment confirmation to the mobile terminal of the consumer after checking the identity of the seller and the account state of the consumer; the mobile terminal of the consumer receives a confirmation short message of the consumer which is input for responding the short message for requiring the payment confirmation, and transmits the confirmation short message to the payment platform; the payment platform checks the identity of the seller according to the confirmation short message; the payment platform finishes payment transaction after checking the identity of the seller; and the payment platform transmits a transaction completion notification message to the soft POS terminal and the mobile terminal of the consumer respectively. The mobile payment method can rapidly popularize mobile payment services at low cost.

Description

Mobile payment platform, terminal, method and system
Technical field
The present invention relates to moving communicating field, particularly relate to a kind of mobile payment platform, terminal, method and system.
Background technology
The mobile payment service of domestic telecommunication operator adopts RFID (the Radio Frequency Identification of 13.56MHz or 2.45GHz more at present, radio-frequency (RF) identification) UIM/SIM (User Identification Module/Subscriber Identification Module, subscriber identification module) card scheme.Though the detail of technical scheme is had nothing in common with each other, all be built-in RFID chip in UIM/SIM card or mobile phone basically, wherein, the RFID chip can be written into user's payment account.When customer consumption, mobile phone can be placed near POS (Point of Sale, the point-of-sale terminal) machine of supporting mobile payment function, the machine-readable user's payment account got in UIM/SIM card or the mobile phone of POS, by with payment platform finish consumption and payment alternately.
Yet, for existing scheme, the user must change UIM/SIM card or mobile phone in order to use mobile payment service, and trade company's side also must be transformed to support mobile payment function existing card-scanning type POS simultaneously, perhaps lays the POS machine of supporting mobile payment function again.The development cost of user and trade company is all very high, and under the situation of mobile payment service ground zero, industrial chain also is not very ripe especially now, and the kind of equipment is few, and price can be in any more yet.Meanwhile, for most of storage cellphone subscriber, though very interested in mobile payment service, owing to be unwilling to change mobile phone or UIM card, and it is very big to abandon attempting/use the possibility of payment transaction.In addition, paying at present under the few situation of mobile phone terminal kind, also some Adds User and can not abandon using mobile payment service because there being suitable terminal.
Summary of the invention
The objective of the invention is to propose a kind of method of mobile payment, system and payment platform, to promote the development of mobile payment service.
For achieving the above object, the invention provides a kind of method of mobile payment, comprising: soft POS terminal is initiated Payment Request according to the operation of trade company to payment platform; Payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request; After passing through proof of identity and the Account Status verification to the consumer to trade company, payment platform sends the note that asks to confirm payment to consumer's portable terminal; Consumer's portable terminal receives the consumer, and the affirmation note of importing will confirm that note sends to payment platform in order to respond the note that asks to confirm payment; Payment platform carries out verification according to the affirmation note to consumer's identity; After passing through the proof of identity to the consumer, payment platform is finished payment transaction; Payment platform is finished notification message to soft POS terminal and consumer's portable terminal transmission transaction respectively.
In one embodiment, soft POS terminal is built in the portable terminal of trade company's side.
In one embodiment, Payment Request is carried MDN (the Mobile Directory Number of the portable terminal of consumer's mobile payment account number and trade company's side, Mobile Directory Number), IMSI (International Mobile Subscriber Identification, international mobile subscriber identity) and/or MEID (Mobile Equipment Identifier, mobile device sign), payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request and comprises: payment platform is according to the MDN of the portable terminal of trade company's side, IMSI and/or MEID carry out verification to the identity of trade company; Payment platform carries out verification according to consumer's mobile payment account number to consumer's Account Status.
In one embodiment, payment platform is according to confirming that note carries out verification to consumer's identity and comprise: payment platform carries out verification according to the MDN of the portable terminal of confirming the consumer that note is carried to consumer's identity.
For achieving the above object, the present invention also provides a kind of payment platform that is used for mobile payment service, comprising: receiver module is used to receive the Payment Request that soft POS terminal is initiated according to the operation of trade company; The first verification module is used for respectively the identity of trade company and consumer's Account Status being carried out verification according to Payment Request; First sending module is used for by after the proof of identity and the Account Status verification to the consumer to trade company, sends the note that asks to confirm payment to consumer's portable terminal; The second verification module, be used to receive the affirmation note of consumer by consumer's portable terminal transmission, confirm note be the consumer in order to respond the note that asks to confirm payment the affirmation note of importing, the second verification module is according to confirming that note carries out verification to consumer's identity; The payment transaction module is used for finishing payment transaction by after the proof of identity to the consumer; Second sending module is used for after finishing payment transaction, finishes notification message to soft POS terminal and consumer's portable terminal transmission transaction respectively.
In one embodiment, Payment Request is carried consumer's mobile payment account number, be built-in with MDN, IMSI and/or the MEID of portable terminal of trade company's side of soft POS terminal, the first verification module is carried out verification according to MDN, IMSI and/or the MEID of the portable terminal of trade company's side to the identity of trade company, and according to consumer's mobile payment account number consumer's Account Status is carried out verification.
In one embodiment, the second verification module is carried out verification according to the MDN of the portable terminal of confirming the consumer that note is carried to consumer's identity.
For achieving the above object, the present invention also provides a kind of soft POS terminal that is used for mobile payment service, comprising: receiver module is used to receive the operation of the request payment transaction of trade company; Sending module, be used for initiating Payment Request to payment platform according to the operation of trade company, payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request, after passing through proof of identity and Account Status verification to the consumer to trade company, payment platform sends the note that asks to confirm payment to consumer's portable terminal, payment platform receives the affirmation note of consumer by the affirmation payment of its portable terminal transmission, and according to confirming that note carries out verification to consumer's identity, after passing through the proof of identity to the consumer, payment platform is finished payment transaction.
In one embodiment, soft POS terminal is built in the portable terminal of trade company's side.
For achieving the above object, the present invention also provides a kind of mobile-payment system, comprise above payment platform and soft POS terminal.
Based on technique scheme, for having as for the ordinary consumer of the portable terminal of mobile phone, only need mobile payment account of application, can in most of on-site payment scene (as restaurant, movie theatre etc.), enjoy the payment transaction service, and need not to change mobile phone or mobile phone card, simple and convenient.Therefore, can be under the not full ripe as yet situation of RFID on-site payment industrial chain, the quick popularization with low cost realization mobile payment service promotes penetration of service rate, dominates the market fast.
Description of drawings
Accompanying drawing described herein is used to provide further explanation of the present invention, constitutes a part of the present invention.Illustrative examples of the present invention and explanation thereof only are used to explain the present invention, but do not constitute improper qualification of the present invention.In the accompanying drawings:
Fig. 1 is the structural representation according to the application scenarios of the embodiment of the invention.
Fig. 2 is the process flow diagram according to the method for mobile payment of the embodiment of the invention.
Fig. 3 is the process flow diagram of method of mobile payment according to another embodiment of the present invention.
Fig. 4 is the structural representation according to the payment platform of the embodiment of the invention.
Fig. 5 is the structural representation according to the soft POS terminal of the embodiment of the invention.
Fig. 6 is the structural representation according to the mobile-payment system of the embodiment of the invention.
Embodiment
With reference to the accompanying drawings the present invention is described in more detail, exemplary embodiment of the present invention wherein is described.In the accompanying drawings, identical label is represented identical or similar assembly or element.
Fig. 1 is the structural representation according to the application scenarios 100 of the embodiment of the invention.Application scenarios 100 comprises soft POS terminal 102, payment platform 104 and consumer's portable terminal 106.
In one embodiment, soft POS terminal 102 can be a client software, and can be built in the portable terminal as mobile phone, and cloth is placed on trade company's side.When consumer and trade company concluded the business, soft POS terminal 102 can be used to receive the operation that trade company's request is paid the fees, and sends Payment Request to payment platform 104.Payment platform 104 can send the note that asks to confirm payment to consumer's portable terminal 106 after the Payment Request of receiving trade company's side.The consumer finishes payment transaction after confirming payment by portable terminal 106.
Fig. 2 is the process flow diagram according to the method for mobile payment 200 of the embodiment of the invention.
In step 202, soft POS terminal is initiated Payment Request according to the operation of trade company to payment platform.
In step 204, payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request.
In step 206, after passing through proof of identity and the Account Status verification to the consumer to trade company, payment platform sends the note that asks to confirm payment to consumer's portable terminal.
In step 208, consumer's portable terminal receives the consumer, and the affirmation note of importing will confirm that note sends to payment platform in order to respond the note that asks to confirm payment.
In step 210, payment platform carries out verification according to the affirmation note to consumer's identity.
In step 212, after passing through the proof of identity to the consumer, payment platform is finished payment transaction.
In step 214, payment platform is finished notification message to soft POS terminal and consumer's portable terminal transmission transaction respectively.
Fig. 3 is the process flow diagram of method of mobile payment 300 according to another embodiment of the present invention.
In step 302, soft POS terminal is initiated Payment Request according to the operation of trade company to payment platform.When the consumer consumes in businessman, can tell the salesman of businessman with its mobile payment account number.In one embodiment, soft POS terminal can be built in the portable terminal of trade company's side.Trade company can initiate Payment Request to payment platform by soft POS terminal input consumer's the mobile payment account number and the consumption amount of money.
In step 304, payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request.In one embodiment, Payment Request is carried the MDN of the portable terminal of consumer's mobile payment account number and trade company's side.Payment platform can carry out verification to the identity of trade company according to the MDN of the portable terminal of trade company's side.Payment platform can carry out verification to consumer's Account Status according to consumer's mobile payment account number, such as verification consumer's account whether exist, remaining sum payment etc. whether enough.In another embodiment, also can carry the IMSI and/or the MEID of the portable terminal of trade company's side in the Payment Request, payment platform can carry out further verification to the identity of trade company according to IMSI and/or MEID, improves degree of safety.
In step 306, after passing through proof of identity and the Account Status verification to the consumer to trade company, payment platform sends the note that asks to confirm payment to consumer's portable terminal.
In step 308, if to the proof of identity of trade company with to the verification of consumer's Account Status, wherein any one does not pass through, and payment platform then returns refusal transaction response to stop whole payment flow to the portable terminal of trade company's side.
In step 310, the consumer finishes SMS confirmation after receiving the note that asks to confirm payment.Consumer's portable terminal receives the consumer, and the affirmation note of importing will confirm that note sends to payment platform in order to respond the note that asks to confirm payment.
In step 312, payment platform carries out verification according to the affirmation note to consumer's identity.In one embodiment, payment platform carries out verification according to the MDN of the portable terminal of confirming the consumer that note is carried to consumer's identity.
In step 314, after passing through the proof of identity to the consumer, payment platform is finished payment transaction.For example, by after the proof of identity to the consumer, payment platform is to consumer's the account operation of withholing.
In step 316, if consumer's proof of identity is not passed through, payment platform then returns the Fail Transaction response to stop whole payment flow to the portable terminal of trade company's side.
In step 318, after finishing payment transaction, payment platform is finished notification message to soft POS terminal and consumer's portable terminal transmission transaction respectively.
Fig. 4 is the structural representation according to the payment platform 400 of the embodiment of the invention.Payment platform 400 comprises: receiver module 402, the first verification module 404, first sending module 406, the second verification module 408, payment transaction module 410 and second sending module 412.
Receiver module 402 is used to receive the Payment Request that soft POS terminal is initiated according to the operation of trade company.
The first verification module 404 is used for respectively the identity of trade company and consumer's Account Status being carried out verification according to Payment Request.In one embodiment, Payment Request is carried consumer's mobile payment account number, be built-in with MDN, IMSI and/or the MEID of portable terminal of trade company's side of soft POS terminal, the first verification module 404 is carried out verification according to MDN, IMSI and/or the MEID of the portable terminal of trade company's side to the identity of trade company, and according to consumer's mobile payment account number consumer's Account Status is carried out verification.
First sending module 406 is used for by after the proof of identity and the Account Status verification to the consumer to trade company, sends the note that asks to confirm payment to consumer's portable terminal.
The second verification module 408, be used to receive the affirmation note that the consumer sends by its portable terminal, confirm note be the consumer in order to respond the note that asks to confirm payment the affirmation note of importing, the second verification module 408 is according to confirming that note carries out verification to consumer's identity.In one embodiment, the second verification module 408 is carried out verification according to the MDN of the portable terminal of confirming the consumer that note is carried to consumer's identity.
Payment transaction module 410 is used for finishing payment transaction by after the proof of identity to the consumer.
Second sending module 412 is used for after finishing payment transaction, finishes notification message to soft POS terminal and consumer's portable terminal transmission transaction respectively.
Fig. 5 is the structural representation according to the soft POS terminal 500 of the embodiment of the invention.Soft POS terminal 500 comprises: receiver module 502 and sending module 504.
Receiver module 502 is used to receive the operation of the request payment transaction of trade company.
Sending module 504, be used for initiating Payment Request to payment platform according to the operation of trade company, payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to Payment Request, after passing through proof of identity and Account Status verification to the consumer to trade company, payment platform sends the note that asks to confirm payment to consumer's portable terminal, payment platform receives the affirmation note of consumer by the affirmation payment of consumer's portable terminal transmission, and according to confirming that note carries out verification to consumer's identity, after passing through the proof of identity to the consumer, payment platform is finished payment transaction.
In one embodiment, soft POS terminal 500 is built in the portable terminal of trade company's side.
Fig. 6 is the structural representation according to the mobile-payment system 600 of the embodiment of the invention.Mobile-payment system 600 comprise as shown in Figure 4 payment platform 400 and soft POS terminal 500 as shown in Figure 5.
According to embodiments of the invention, for having as for the ordinary consumer of the portable terminal of mobile phone, only need mobile payment account of application, can in most of on-site payment scene (as restaurant, movie theatre etc.), enjoy the payment transaction service, and need not to change mobile phone or mobile phone card, simple and convenient.Therefore, can be under the not full ripe as yet situation of RFID on-site payment industrial chain, the quick popularization with low cost realization mobile payment service promotes penetration of service rate, dominates the market fast.
Description of the invention provides for example with for the purpose of describing, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.

Claims (10)

1. a method of mobile payment is characterized in that, comprising:
Soft POS terminal is initiated Payment Request according to the operation of trade company to payment platform;
Described payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to described Payment Request;
After passing through proof of identity and the Account Status verification to the consumer to trade company, described payment platform sends the note that asks to confirm payment to consumer's portable terminal;
Described consumer's portable terminal receives the affirmation note that the consumer imports in order to respond the described note that asks to confirm payment, and described affirmation note is sent to described payment platform;
Described payment platform carries out verification according to described affirmation note to consumer's identity;
After passing through the proof of identity to the consumer, described payment platform is finished payment transaction;
Described payment platform is finished notification message to described soft POS terminal and described consumer's portable terminal transmission transaction respectively.
2. method of mobile payment according to claim 1 is characterized in that, described soft POS terminal is built in the portable terminal of trade company's side.
3. method of mobile payment according to claim 2, it is characterized in that, described Payment Request is carried MDN, IMSI and/or the MEID of the portable terminal of consumer's mobile payment account number and described trade company side, and described payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to described Payment Request and comprises:
Described payment platform carries out verification according to MDN, IMSI and/or the MEID of the portable terminal of described trade company side to the identity of trade company;
Described payment platform carries out verification according to described consumer's mobile payment account number to consumer's Account Status.
4. method of mobile payment according to claim 1 is characterized in that, described payment platform carries out verification according to described affirmation note to consumer's identity and comprises:
The MDN of the described consumer's that described payment platform carries according to described affirmation note portable terminal carries out verification to consumer's identity.
5. a payment platform that is used for mobile payment service is characterized in that, comprising:
Receiver module is used to receive the Payment Request that soft POS terminal is initiated according to the operation of trade company;
The first verification module is used for respectively the identity of trade company and consumer's Account Status being carried out verification according to described Payment Request;
First sending module is used for by after the proof of identity and the Account Status verification to the consumer to trade company, sends the note that asks to confirm payment to consumer's portable terminal;
The second verification module, be used to receive the affirmation note of consumer by described consumer's portable terminal transmission, described affirmation note for the consumer in order to respond the affirmation note that the described note that asks to confirm payment is imported, the described second verification module is carried out verification according to described affirmation note to consumer's identity;
The payment transaction module is used for finishing payment transaction by after the proof of identity to the consumer;
Second sending module is used for after finishing described payment transaction, finishes notification message to described soft POS terminal and described consumer's portable terminal transmission transaction respectively.
6. payment platform according to claim 5, it is characterized in that, described Payment Request is carried consumer's mobile payment account number, be built-in with MDN, IMSI and/or the MEID of portable terminal of trade company's side of described soft POS terminal, the described first verification module is carried out verification according to MDN, IMSI and/or the MEID of the portable terminal of described trade company side to the identity of trade company, and according to described consumer's mobile payment account number consumer's Account Status is carried out verification.
7. payment platform according to claim 5 is characterized in that, the MDN of the described consumer's that the described second verification module is carried according to described affirmation note portable terminal carries out verification to consumer's identity.
8. a soft POS terminal that is used for mobile payment service is characterized in that, comprising:
Receiver module is used to receive the operation of the request payment transaction of trade company;
Sending module, be used for initiating Payment Request to payment platform according to the operation of trade company, wherein, described payment platform carries out verification to the identity of trade company and consumer's Account Status respectively according to described Payment Request, after passing through proof of identity and Account Status verification to the consumer to trade company, described payment platform sends the note that asks to confirm payment to consumer's portable terminal, described payment platform receives the affirmation note of consumer by the affirmation payment of described consumer's portable terminal transmission, and consumer's identity is carried out verification according to described affirmation note, after passing through the proof of identity to the consumer, described payment platform is finished payment transaction.
9. soft POS terminal according to claim 8 is characterized in that, described soft POS terminal is built in the portable terminal of trade company's side.
10. a mobile-payment system is characterized in that, comprises the soft POS terminal of one of the payment platform of one of claim 5-7 and claim 8-9.
CN2010102541545A 2010-08-16 2010-08-16 Mobile payment platform, terminal, method and system Pending CN101916407A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103034958A (en) * 2011-10-09 2013-04-10 中国移动通信集团公司 Mobile phone terminal and money withdrawing system based on mobile phone terminal and method
CN104284309A (en) * 2013-07-09 2015-01-14 中国电信股份有限公司 Method and system for achieving collection charge through short message
CN104685519A (en) * 2012-08-30 2015-06-03 黄金富 Bank card accounting system with dynamic risk management and corresponding method
WO2017127966A1 (en) * 2016-01-25 2017-08-03 程强 Method and system for payment on dining app platform
CN108182578A (en) * 2017-12-06 2018-06-19 宁波市智能制造产业研究院 A kind of payment system and method

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101072384A (en) * 2007-06-20 2007-11-14 中国工商银行股份有限公司 Mobile phone payment method and system based on mobile phone bank
CN101232631A (en) * 2007-01-23 2008-07-30 阿里巴巴公司 System and method for communication terminal to perform safety authentication through short messages
CN101329800A (en) * 2008-07-23 2008-12-24 中国建设银行股份有限公司 Method for processing mobile phones POS consumptive data and mobile phones POS consumption system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101232631A (en) * 2007-01-23 2008-07-30 阿里巴巴公司 System and method for communication terminal to perform safety authentication through short messages
CN101072384A (en) * 2007-06-20 2007-11-14 中国工商银行股份有限公司 Mobile phone payment method and system based on mobile phone bank
CN101329800A (en) * 2008-07-23 2008-12-24 中国建设银行股份有限公司 Method for processing mobile phones POS consumptive data and mobile phones POS consumption system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103034958A (en) * 2011-10-09 2013-04-10 中国移动通信集团公司 Mobile phone terminal and money withdrawing system based on mobile phone terminal and method
CN104685519A (en) * 2012-08-30 2015-06-03 黄金富 Bank card accounting system with dynamic risk management and corresponding method
CN104284309A (en) * 2013-07-09 2015-01-14 中国电信股份有限公司 Method and system for achieving collection charge through short message
CN104284309B (en) * 2013-07-09 2017-11-14 中国电信股份有限公司 Realize the method and system of short message charging-replaced
WO2017127966A1 (en) * 2016-01-25 2017-08-03 程强 Method and system for payment on dining app platform
CN108182578A (en) * 2017-12-06 2018-06-19 宁波市智能制造产业研究院 A kind of payment system and method

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Application publication date: 20101215