TWI730345B - Automated mobile payment service system and method thereof - Google Patents

Abstract

An automated mobile payment service system is provided. A mobile device equipped with a subscriber identity module （SIM） card executes a payment application, and transmits verification information including a serial number of the SIM card, a user's identity card number and mobile phone number. After a bank credit card system receives the identity card number and mobile phone number and verifies that the user is a cardholder of a bank with the bank credit card system, an identification center determines that what is a telecommunication operator to which the mobile phone number belongs according to the serial number of the SIM card, and then queries the telecommunication operator for an identity recognition result according to the mobile phone number and the identity card number. When the identity recognition result is passed, the bank credit card system obtains at least one physical card number corresponding to the identity card number, and obtains at least one virtual card number corresponding to the at least one physical card number from a token service provider, so that the mobile device automatically downloads the at least one virtual card number and then executes the payment.

Description

Automated mobile payment service system and method

The invention relates to a service system and its method, in particular to an automated mobile payment service system and its method.

In recent years, due to the vigorous development of smart mobile terminals, users have become more dependent on smart mobile terminals. Therefore, business services for mobile communication devices have begun to be launched on the market. Among them, Mobile Payment is a recently launched business service. Mobile Payment is a service that uses mobile device applications to make payments. Users can use mobile devices without using cash, checks or credit cards. The app pays for various expenses, so that users only need to carry a mobile device to go out, no longer need to carry physical money to meet the daily needs of food, clothing, housing, transportation and entertainment.

In other words, the mobile device's application makes the mobile device a credit card cassette. The card information (virtual card) of the credit card is all stored in the mobile device. The user can make purchases as long as the mobile device is taken out of the house, but to confirm the use The virtual card in the user’s mobile device needs to be verified if the application is indeed for him, otherwise the credit card may be stolen by others. Therefore, when the current user wants to use mobile payment, he must enter the card information of each credit card (for example: credit card number, expiration date, or last three codes) and identification code on the application of his mobile device for verification. However, it is not completely checked whether the input card information is the card holder himself, which causes many security problems.

In summary, it can be seen that there are problems in the prior art that users need to input the card information and identification code of each credit card for verification, which causes inconvenience, and that the input card information is not completely checked whether the card holder is the card holder. I own it and cause security problems, so it is really necessary to propose improved technical means to solve this problem.

The invention discloses an automated mobile payment service system and method.

First, the present invention discloses an automated mobile payment service system, which includes a mobile device, a bank credit card system and an identity recognition center. The mobile device is equipped with a subscriber identity module (SIM) card, which is used to execute the payment application and receive the user’s identity card number and mobile phone number to send verification data. The verification data includes the serial number of the SIM card, Mobile phone number and ID number, and when the mobile device receives a pass signal and is in mobile payment mode, the ID number is transmitted. The bank credit card system is used to receive verification data and verify whether the user is a cardholder of a bank with the bank's credit card system based on the mobile phone number and ID number, and when the mobile device receives the pass signal and is in mobile payment mode, Obtain at least one physical card number corresponding to the ID card number according to the ID card number, and obtain at least one virtual card number corresponding to the at least one physical card number from the Token Service Provider (TSP), so that the mobile device automatically downloads the at least one virtual card number Card number, and then perform payment. The identity recognition center is used to receive verification data from the bank's credit card system when the bank credit card system confirms that the user is a cardholder of a bank with the bank's credit card system, and determine the telecommunications company to which the mobile phone number belongs based on the serial number of the SIM card, Then, according to the mobile phone number and the ID number, the telecommunications company is asked for the identity recognition result. When the identity recognition result is passed, the identity recognition center sends a pass signal to the mobile device.

In addition, the present invention discloses an automated mobile payment service method. The steps include: a mobile device equipped with a SIM card, execute a payment application, and receive the user's ID number and mobile phone number to send verification data. The verification data includes SIM card serial number, mobile phone number and ID number; the bank credit card system receives verification data, and verifies whether the user is a cardholder of a bank with the bank's credit card system based on the mobile phone number and ID number; when the bank credit card system When confirming that the user is a cardholder of a bank with the bank’s credit card system, the identity recognition center receives the verification data from the bank’s credit card system, determines the carrier to which the mobile phone number belongs based on the serial number of the SIM card, and then based on the mobile phone number Ask the carrier for the identification result with the ID number; when the ID result is passed, the ID center sends a pass signal to the mobile device; and when the mobile device receives the pass signal and is in mobile payment mode, the mobile device sends the ID card The bank credit card system obtains at least one physical card number corresponding to the ID card number according to the ID card number, and obtains at least one virtual card number corresponding to the at least one physical card number from the code service provider, so that the mobile device automatically downloads the at least one virtual card number, And then execute the payment.

The system and method disclosed in the present invention are as above. The difference from the prior art is that the present invention executes a payment application through a mobile device equipped with a SIM card, and transmits verification data including the serial number of the SIM card, mobile phone number and ID number; After the bank credit card system verifies that the user is a cardholder of a bank with the bank's credit card system based on the mobile phone number and ID number, the identity recognition center determines the carrier to which the mobile phone number belongs based on the SIM card serial number, and then based on the mobile phone number Ask the telecommunications company for the identification result with the ID number; when the ID result is passed, the bank credit card system obtains at least one physical card number corresponding to the ID number according to the ID number, and obtains at least one physical card number from the code service provider The corresponding virtual card number enables the mobile device to automatically download the virtual card number, and then perform the payment.

Through the above technical means, the present invention allows the user to enter the mobile phone number and ID number through a mobile device equipped with a SIM card, and the identity recognition center can confirm the identity after asking the mobile phone operator for the identity. Identity: After the identity is confirmed, the virtual card numbers of all credit cards held by the user in the bank will be automatically downloaded to the payment application of the mobile device for the user to perform mobile payment behaviors.

Before describing the automated mobile payment service system and method disclosed in the present invention, firstly, the self-defined terms of the present invention will be explained. The mobile device, bank credit card system and identity recognition included in the automated mobile payment service system of the present invention The center can be implemented in various ways, including software, hardware, firmware, or any combination thereof. For example, in some embodiments, the mobile device may be implemented by software and/or hardware, and the scope of the present invention is not limited in this respect. The technology used in the implementation of software or firmware can be stored on machine-readable storage media, such as: read-only memory (ROM), random access memory (RAM), disk storage media, optical storage media, fast Flash memory devices, etc., and can be executed by one or more general-purpose or special-purpose programmable microprocessors.

The mobile device of the present invention is equipped with a SIM card and is equipped with a payment application. The mobile device can execute the payment application and pass through a network communication system, such as: mobile communication network, Internet, local area network, wide area network and / Or wireless network, respectively connect with the bank credit card system and the identity center to transmit messages and data. Copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers can be used to transmit signals and data between the bank credit card system and the identity recognition center.

The following describes the implementation of the present invention in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how the present invention uses technical means to solve technical problems and achieve technical effects.

Please refer to "Figure 1". "Figure 1" is a system block diagram of an embodiment of the automated mobile payment service system of the present invention. The automated mobile payment service system 100 includes: a mobile device 110, a bank credit card system 120 and an identity recognition center 130. Among them, the mobile device 110 may be, but not limited to, a tablet computer or a smart phone, and the identity recognition center 130 may be, but not limited to, a TWID identity recognition center.

The mobile device 110 is equipped with a SIM card 50, which can be used to execute a payment application 60 provided by a bank with a bank credit card system 120 to connect with the bank credit card system 120. When the mobile device 110 executes the payment application 60 and is connected to the bank credit card system 120, the screen (not drawn) of the mobile device 110 can instruct the user to enter his ID number and mobile phone number. The user can use the mobile device 110 Input device (for example: microphone, touch screen or keyboard, not drawn) to input its ID number and mobile phone number (for example: voice input, stylus handwriting input or keyboard input), therefore, the mobile device 110 can receive and use The ID number and cell phone number of the person. After the mobile device 110 receives the user’s ID number and mobile phone number (that is, after the user enters his ID number and mobile phone number and presses/clicks the confirm button), the ID number, mobile phone number, and SIM The information of the card 50 (ie, the verification information) is transmitted to the bank credit card system 120. Among them, the information of the SIM card 50 needs to include at least the information of the carrier to which the mobile phone number belongs.

The bank credit card system 120 can be used to receive verification data and verify whether the user is a cardholder of a bank with the bank credit card system 120 based on the mobile phone number and the ID number. In more detail, since the applicant’s identity card number and mobile phone number will be left when applying for a credit card with any bank (the cardholder’s identity card number and mobile phone number will be obtained after the credit card application is approved), therefore, the issuance The bank of the credit card must have the cardholder’s ID number and mobile phone number. In this embodiment, after the bank credit card system 120 receives the verification data, it can determine whether the user is a cardholder of a credit card issued by a bank with the bank credit card system 120 based on the ID number and mobile phone number. When the bank credit card system 120 determines that the user is a cardholder of a credit card issued by a bank with the bank credit card system 120 based on the ID number and mobile phone number, the verification data is transmitted to the identity identification center 130.

The identity recognition center 130 can be used to receive the verification data from the bank credit card system 120 when the bank credit card system 120 confirms that the user is the holder of the credit card issued by the bank with the bank credit card system 120, and determine the mobile phone based on the SIM card serial number The carrier to which the phone number belongs will then ask the carrier for the identification result based on the phone number and ID number. In other words, since the applicant’s identity card number is reserved when applying for a mobile phone number from any telecommunications company, the SIM card provided by each telecommunications company to the applicant has its unique serial number. Therefore, each telecommunications company All have the applicant’s mobile phone number, ID number and SIM card serial number. When the identity recognition center 130 performs identity identification to the carrier to which the mobile phone number belongs, it will transmit the verification data to the carrier so that the carrier can judge whether it is based on the mobile phone number, ID number and SIM card serial number in the verification data. The data of the same sponsor, if it is judged that the mobile phone number, ID number and the serial number of the SIM card in the verification data are the data of the same sponsor, it means that the identity has passed (that is, an identity recognition result); otherwise, it means that it has not passed. Identity recognition (that is, another type of identity recognition result).

When the identity recognition result is passed (that is, it is determined that the mobile phone number, ID number and SIM card serial number in the verification data are the same sponsor’s data), the identity recognition center 130 transmits a pass signal to the mobile device 110. Therefore, the user enters the mobile phone number and ID number through a mobile device equipped with a SIM card, and after the identity center asks the telecommunications company to which the mobile phone number belongs, their identity can be confirmed, and the problem of conventional technology can be solved. Completely check whether the entered card information is owned by the cardholder himself, causing security problems.

The above-mentioned process of executing the payment application 60 from the mobile device 110 and connecting the bank credit card system 120 to the identity recognition center 130 to send a pass signal to the mobile device 110 is similar to the identity authentication procedure of logging into the mobile payment service interface of the payment application 60. In this embodiment, after logging in to the mobile payment service interface of the payment application 60 through identity authentication, the screen of the mobile device 110 can provide users with three modes to choose from, namely, the mobile payment mode, the new mode, and the new mode. The mode is set, but this embodiment is not intended to limit the present invention, and the number and types of modes can be adjusted according to actual needs. Among them, the mobile payment mode is used to allow users to perform mobile payment behaviors, the new mode is used to allow users to apply for new credit card behaviors, and the setting mode is used to allow users to selectively enable automatic credit line value-added services and/ Or risk control services.

When the mobile device 110 receives the pass signal and is in the mobile payment mode (that is, the user clicks on the mobile payment mode on the screen), the mobile device 110 can send the ID card number to the bank credit card system 120 so that the bank credit card system 120 can rely on the ID card number Look for the credit card and its physical card number (that is, at least one physical card number corresponding to the ID number) that the user has applied for at the bank, and send the physical card number found to the code service provider (not drawn) to make the code service provider generate And transmit the virtual card number corresponding to the received physical card number to the bank credit card system 120 (ie obtain at least one virtual card number corresponding to at least one physical card number from the code service provider), so that the mobile device 110 automatically downloads from the code service provider The virtual card number (that is, at least one virtual card number is automatically downloaded), allowing users to freely select which credit card to use for mobile payment. Therefore, the mobile device 110 automatically downloads the virtual card numbers of all the credit cards held by the user in the bank to the payment application 60 of the mobile device 110 after confirming the identity, so that the user can perform mobile payment behaviors without having to input one by one. The card information and identification code of each credit card are verified to solve the problem of inconvenience in operation.

In this embodiment, when the mobile device 110 receives the pass signal and is in the add mode (that is, the user clicks on the add mode in the screen), the screen of the mobile device 110 can instruct the user to input application data (which includes For necessary information such as the name of the credit card to be applied for), the user can input the application information (for example: voice input, stylus handwriting input or keyboard input) through the input device of the mobile device 110 (for example: microphone, touch screen or keyboard) Therefore, the mobile device 110 can receive the user's application data. Then, the mobile device 110 can send the application data to the bank credit card system 120 (that is, the user enters his application data and presses/clicks the confirm button and then transmits the application data to the bank credit card system 120). When applying for a new credit card, the bank needs to investigate the credit status or application data of the applicant. When the bank has completed the investigation and approves the new credit card applied for by the applicant, the bank credit card system 120 will receive a nuclear card signal based on the application data. When the bank credit card system 120 receives the nuclear card signal according to the application data (the physical card is in the card-making state at this time), the corresponding new virtual card number is automatically generated, so that the mobile device 110 automatically downloads the new virtual card number. Therefore, the mobile device 110 can automatically bind a credit card with the latest verification card of the bank with the bank credit card system 120 and can use the credit card for mobile payment without receiving a physical credit card.

In this embodiment, when the mobile device 110 receives the pass signal and is in the setting mode (that is, the user clicks the setting mode in the screen), the screen of the mobile device 110 may ask the user whether to enable the automatic credit line addition service And/or risk control services, users can click on the required service or close the service through the touch screen of the mobile device 110 according to their own needs.

When the automatic credit limit value-added service is turned on, the screen of the mobile device 110 can instruct the user to set the minimum available limit, the default value-added amount and the default account through the input device according to his needs. If the user does not set the minimum value by himself When the available limit, the default value-added amount (one-time value-added limit) or the default account, the screen of the mobile device 110 will show that the automatic credit limit value-added service cannot be activated, and the user is asked to confirm whether to enable the credit limit Automatic value-added service (At this time, the screen of the mobile device 110 will show two options to continue or abandon). If the user clicks to continue, the screen of the mobile device 110 will continue to remain at the set minimum available quota, default The screen of the value-added amount and the default account; if the user clicks to give up, the mobile device 110 will jump back to the screen showing three modes, but this embodiment is not intended to limit the present invention, and can be adjusted according to actual needs.

When the mobile device 110 activates the automatic credit limit value addition service, the bank credit card system 120 continues to determine the current remaining available limit corresponding to the at least one virtual card number (usually there is only one limit for the credit card of the same bank. At this time, the current remaining available limit can be (But not limited to, the available balance of the bank’s credit card) is less than or equal to the minimum available limit set by the user, if it is determined that the current remaining available limit is less than or equal to the minimum available limit set by the user, the bank credit card The system 120 can automatically deduct the preset value-added amount from the user's preset account to add value to the at least one virtual card number, and increase the current remaining available quota of the at least one virtual card number until the current remaining available quota is greater than the minimum available quota Quota. In other words, the mobile device 110 can use the credit limit automatic value-added service to keep the current remaining available limit always greater than the minimum available limit, which can reduce the user’s rejection of the transaction due to insufficient current remaining available limit when the user conducts a transaction through mobile payment. The embarrassment happened. It should be noted that when the balance of the default account is less than the default value-added amount, the bank credit card system 120 can notify the user through push broadcast when the mobile device 110 executes the payment application 60, reminding the user to pay attention to the default account. The balance is not enough for value-added services.

In addition, when the automatic credit limit value-added service is enabled, the screen of the mobile device 110 can also instruct the user to set the maximum available limit through the input device according to his needs, and the maximum available limit must be less than or equal to the credit card limit given by the actual bank , This part can provide users to control their spending needs, to avoid maxing out credit cards without actually lowering the available limit with the bank. When the user has set the maximum available limit, if the execution of a certain transaction will cause the credit card bill to exceed the maximum available limit but less than the actual bank credit card limit, the bank credit card system 120 will use the screen of the mobile device 110 The relevant description will be displayed to remind the user that the above situation has occurred, and whether to continue the transaction, if the user chooses to continue, the transaction will still be successfully executed.

When the risk control service is turned on, the screen of the mobile device 110 can instruct the user to set the risk control parameters through the input device according to his needs, such as: transaction amount limit for each transaction, tradable area, and tradable currency And/or the tradable time zone, if the user does not set any risk control parameters, the screen of the mobile device 110 will show that the risk control service cannot be opened. Please confirm whether the user wants to open the risk control service (At this time, the screen of the mobile device 110 will display two options: continue or abandon). If the user clicks to continue, the screen of the mobile device 110 will continue to be the screen for setting risk control parameters; if the user If you click Cancel, the mobile device 110 will jump back to display the three modes of the screen, but this embodiment is not intended to limit the present invention, and can be adjusted according to actual needs.

When the mobile device 110 activates the risk control service, the bank credit card system 120 can check the transaction content of each transaction in real time. When it is determined that the transaction content of the transaction does not meet any risk parameter preset by the user, the transaction The transaction is not established. The more risk parameters preset by the user, the stricter the risk control of the bank credit card system 120 for each transaction. For example, when the risk parameter preset by the user is that the upper limit of the transaction amount of each transaction is NT$5,000 and the transaction time period is from 8 am to 11 pm, the bank credit card system 120 can The transaction amount and transaction time of each transaction are checked in real time. If there is a transaction with a transaction amount of 3,000 yuan but the transaction time is three in the morning, the bank credit card system 120 will determine that the transaction is not established, that is, the transaction has failed.

Next, please refer to "Figure 2". "Figure 2" is a flowchart of an embodiment of the automated mobile payment service system of "Figure 1" for implementing an automated mobile payment service method. The steps may include: equipped with a SIM card Mobile device, execute the payment application, and receive the user’s ID number and mobile phone number to send verification data. The verification data includes the SIM card serial number, mobile phone number and ID number (step 210); bank credit card system Receive verification data, and verify whether the user is a cardholder of a bank with the bank's credit card system based on the mobile phone number and ID number (step 220); when the bank's credit card system confirms that the user is a bank with the bank's credit card system When the cardholder is the cardholder, the identity recognition center receives the verification data from the credit card system of the bank, judges the carrier of the mobile phone number according to the serial number of the SIM card, and then asks the carrier for the identity recognition result based on the mobile phone number and ID card number (Step 230); When the identity recognition result is passed, the identity recognition center transmits a pass signal to the mobile device (step 240); and when the mobile device receives the pass signal and is in mobile payment mode, the mobile device transmits the ID number, bank credit card The system obtains at least one physical card number corresponding to the ID card number according to the ID card number, and obtains at least one virtual card number corresponding to the at least one physical card number from the code service provider, so that the mobile device automatically downloads the at least one virtual card number, and then performs the payment ( Step 250).

Through the above steps, the user can enter the mobile phone number and ID number through the mobile device 110 equipped with a SIM card, and then the ID center 130 can confirm their identity after inquiring the identity of the mobile phone operator. ; After confirming the identity, it will automatically download the virtual card numbers of all credit cards held by the user in the bank to the payment application 60 of the mobile device for the user to perform mobile payment behaviors.

In this embodiment, the automated mobile payment service method further includes the following steps: when the mobile device receives the pass signal and is in the new mode, receiving and transmitting application data to the bank credit card system (not drawn); and when the bank credit card system is in accordance with the application When the data receives the nuclear card signal, a corresponding new virtual card number is generated, so that the new virtual card number is automatically downloaded to the mobile device (not drawn). Therefore, the mobile device 110 can automatically bind a credit card with the latest verification card of the bank with the bank credit card system 120 and can use the credit card for mobile payment without receiving a physical credit card.

In this embodiment, the automated mobile payment service method further includes the following steps: when the mobile device receives the pass signal and is in the setting mode, selectively turning on the credit line automatic value-added service and/or risk control service (not shown).

Wherein, the automated mobile payment service method may further include the following steps: when the mobile device turns on the credit line automatic value-added service, the bank credit card system continuously determines whether the current remaining available line corresponding to the at least one virtual card number is less than or equal to the user set The minimum available limit (not drawn); and if it is determined that the current remaining available limit is less than or equal to the minimum available limit set by the user, the bank credit card system will automatically deduct the default value-added amount from the user's default account for the minimum A virtual card number is added, and the current remaining available quota of the at least one virtual card number is increased until the current remaining available quota is greater than the minimum available quota (not drawn). Therefore, it is possible to reduce the dilemma that the transaction is rejected due to insufficient current remaining available credit when the user conducts a transaction through mobile payment.

Among them, the automated mobile payment service method may further include the following steps: when the mobile device turns on the risk control service, the bank credit card system instantly checks the transaction content of each transaction (not drawn); when it is judged that the transaction content of any transaction does not meet When any risk parameter preset by the user, the transaction is not established (not drawn).

It should be noted that, if there is no causal relationship between the above steps, the present invention does not limit the order of their execution.

In summary, it can be seen that the difference between the present invention and the prior art is that the payment application is executed through a mobile device equipped with a SIM card, and the verification data including the serial number of the SIM card, the mobile phone number and the ID number are sent; bank credit card system After verifying that the user is a cardholder of a bank with the bank’s credit card system based on the mobile phone number and ID card number, the identity recognition center determines the carrier to which the mobile phone number belongs based on the SIM card serial number, and then based on the mobile phone number and ID card The font size asks the telecommunications company for the identity recognition result; when the identity recognition result is passed, the bank credit card system obtains at least one physical card number corresponding to the identity certificate number according to the ID number, and obtains at least one virtual card number corresponding to the physical card number from the code service provider The card number allows the mobile device to automatically download the virtual card number, and this technical means can solve the problems existing in the prior art.

Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Anyone familiar with similar art can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of patent protection shall be subject to the definition of the scope of patent application attached to this specification.

50: SIM card 60: payment application 100: Automated mobile payment service system 110: mobile device 120: Bank Credit Card System 130: Identity Center Step 210: The mobile device equipped with a SIM card executes the payment application and receives the user's ID number and mobile phone number to send verification data. The verification data includes the SIM card serial number, mobile phone number and ID number Step 220: The bank credit card system receives the verification data, and verifies whether the user is a cardholder of a bank with the bank's credit card system based on the mobile phone number and ID number Step 230: When the bank credit card system confirms that the user is a cardholder of a bank with the bank credit card system, the identity identification center receives the verification data from the bank credit card system, and determines the telecommunications to which the mobile phone number belongs based on the serial number of the SIM card The operator then asks the operator for the identification result based on the mobile phone number and ID number Step 240: When the identity recognition result is passed, the identity recognition center sends a pass signal to the mobile device Step 250: When the mobile device receives the pass signal and is in the mobile payment mode, the mobile device transmits the ID number, and the bank credit card system obtains at least one physical card number corresponding to the ID number according to the ID number, and obtains the corresponding from the code service provider At least one virtual card number of at least one physical card number, so that the mobile device automatically downloads the at least one virtual card number, and then performs payment

Figure 1 is a schematic circuit diagram of an embodiment of the automated mobile payment service system of the present invention. Figure 2 is a flowchart of an embodiment of the automated mobile payment service system in Figure 1 for executing an automated mobile payment service method.

50: SIM card

60: Payment application

100: Automated mobile payment service system

110: mobile device

120: Bank Credit Card System

130: Identity Center

Claims (8)

An automated mobile payment service system, comprising: a mobile device equipped with a subscriber identity module (SIM) card, the mobile device is used to execute a payment application and receive an identity card of a user And a mobile phone number to send a verification data including the SIM card serial number, the mobile phone number and the ID number, and when the mobile device receives a pass signal and is in a mobile payment mode, the verification data includes the SIM card serial number, the mobile phone number and the ID number, and when the mobile device receives a pass signal and is in a mobile payment mode, Send the ID card number; a bank credit card system to receive the verification data and verify whether the user is a cardholder of a bank with the bank’s credit card system based on the mobile phone number and the ID card number, and when When the mobile device receives the pass signal and is in the mobile payment mode, it obtains at least one physical card number corresponding to the ID card number according to the ID card number, and obtains the corresponding from a Token Service Provider (TSP) At least one virtual card number of at least one physical card number, so that the mobile device automatically downloads the at least one virtual card number, and then performs payment; and an identity center for when the bank credit card system confirms that the user has the bank credit card system When the cardholder of the bank receives the verification data from the bank’s credit card system, judges the telecommunications company to which the mobile phone number belongs based on the serial number of the SIM card, and then sends the verification data to the mobile phone number and the ID card number. The telecommunications company asks for an identity recognition result, and when the identity recognition result is passed, the identity recognition center transmits the pass signal to the mobile device; Wherein, when the mobile device receives the pass signal and is in a new mode, it receives and transmits an application for new credit card information to the bank credit card system, and when the bank credit card system receives a verification card signal based on the application for new credit card information To generate a corresponding new virtual card number, so that the mobile device automatically downloads the new virtual card number. According to the first automated mobile payment service system of the patent application, when the mobile device receives the pass signal and is in a setting mode, it selectively activates a credit line automatic value-added service and/or a risk control service. The automated mobile payment service system according to item 2 of the scope of patent application, wherein, when the mobile device turns on the credit limit automatic value-added service, the bank credit card system continuously determines whether a current remaining available limit corresponding to the at least one virtual card number is Less than or equal to a minimum available limit set by the user, if it is determined that the current remaining available limit is less than or equal to the minimum available limit set by the user, the bank credit card system automatically uses a default account of the user A preset value-added amount is deducted to add value to the at least one virtual card number, thereby increasing the current remaining available quota of the at least one virtual card number until the current remaining available quota is greater than the minimum available quota. According to the second automated mobile payment service system of the scope of patent application, when the mobile device turns on the risk control service, the bank credit card system instantly checks the transaction content of each transaction, and when determining the transaction of any transaction When the content does not meet any risk parameter preset by the user, the transaction is not established. An automated mobile payment service method, the steps include: A mobile device equipped with a SIM card executes a payment application and receives a user’s ID number and a mobile phone number to send a verification data including the SIM card serial number and the mobile phone door number. The bank’s credit card system receives the verification data and verifies whether the user is a cardholder of a bank with the bank’s credit card system based on the mobile phone number and the identity card number; when the bank’s credit card system When the system confirms that the user is the cardholder of the bank with the bank's credit card system, the identity identification center receives the verification data from the bank's credit card system, and judges the phone number to which the mobile phone number belongs based on the serial number of the SIM card The telecommunications company then asks the telecommunications company for an identity recognition result based on the mobile phone number and the ID number; when the identity recognition result is passed, the identity recognition center sends a pass signal to the mobile device; when the mobile device When receiving the pass signal and in a mobile payment mode, the mobile device transmits the ID number, and the bank credit card system obtains at least one physical card number corresponding to the ID number according to the ID number, and obtains it from a code service provider At least one virtual card number corresponding to at least one physical card number, so that the mobile device automatically downloads the at least one virtual card number, and then performs payment; when the mobile device receives the pass signal and is in a new mode, it receives and transmits a new application Credit card information to the bank's credit card system; and When the bank credit card system receives a nuclear card signal according to the application new credit card information, it generates a corresponding new virtual card number, so that the mobile device automatically downloads the new virtual card number. The automated mobile payment service method according to item 5 of the scope of patent application, wherein the automated mobile payment service method further includes the following steps: when the mobile device receives the pass signal and is in a setting mode, selectively activate a credit limit automatic increase Value service and/or a risk control service. The automated mobile payment service method according to item 6 of the scope of patent application, wherein the automated mobile payment service method further includes the following steps: when the mobile device turns on the credit line automatic value-added service, the bank credit card system continues to determine the at least one Whether a current remaining available quota corresponding to the virtual card number is less than or equal to a minimum available quota set by the user; and if it is determined that the current remaining available quota is less than or equal to the minimum available quota set by the user, the bank The credit card system automatically deducts a preset value-added amount from a preset account of the user to add value to the at least one virtual card number, thereby increasing the current remaining available limit of the at least one virtual card number until the current remaining amount The available quota is greater than the minimum available quota. The automated mobile payment service method according to item 6 of the scope of patent application, wherein the automated mobile payment service method further includes the following steps: when the mobile device turns on the risk control service, the bank credit card system instantly checks the transaction value of each transaction Transaction content, when it is determined that the transaction content of any transaction does not meet any risk parameter preset by the user, the transaction is not established.

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