CN100485727C - System and method for realizing personal electric check card - Google Patents
System and method for realizing personal electric check card Download PDFInfo
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- CN100485727C CN100485727C CNB2007101776293A CN200710177629A CN100485727C CN 100485727 C CN100485727 C CN 100485727C CN B2007101776293 A CNB2007101776293 A CN B2007101776293A CN 200710177629 A CN200710177629 A CN 200710177629A CN 100485727 C CN100485727 C CN 100485727C
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
- G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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Abstract
The invention provides a system and a method for realizing personal electro-check card, which provides a personal electro-check card service via a business system of Chinese Union Pay based on the existing bank accounts system to enable a mobile phone terminal user to sign an electro-check via a mobile phone, and the signed electro-check can perform transfer on a POS of a shop, perform paying in the internet and conveniently perform various service costs. Thus, the invention has outstanding values on protecting bank card information safety and making paying convenient.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly realize the system and method for personal electric check card.The present invention can realize on the basis of existing interchanger or similar interchanger.
Described personal electric check card is the new ideas that the present invention proposes, be defined as follows: personal electric check card is an interchanger, this interchanger number of the account is built up in the database of personal electric check card of the present invention service centre, described personal electric check card service centre sets up corresponding relation to this interchanger number of the account and a bank card account and a mobile communication number, make this interchanger have following feature: 1, check when the user sends the signature designated amounts by portable terminal in instructs after the described personal electric check card service centre, this portable terminal receives this user check number of signing and the interim password and the term of validity that can be used for online payment that personal electric check card service centre returns, within this term of validity, this interchanger just has the payment of bank card function, and this bank card can be finished the consumption and payment that is not higher than in the described designated amounts by this interchanger on the POS of trade company; 2, when the user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota that described personal electric check card service centre generates on this user's the portable terminal, if this user sends this check of signature and instructs described personal electric check card service centre, then described personal electric check card service centre finishes this pen transferred account service automatically, otherwise personal electric check card service centre cancels this pen transferred account service automatically; If 3 users are the signature of the portable terminal by described mobile communication number eCheck, or the check of signature surpasses the term of validity, and then this interchanger is consumed on the POS of trade company or when transferring accounts, will be refused by personal electric check card service centre.
The English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has functions such as supporting consumption, pre-authorization, inquiry into balance and transfers accounts, and uses safety, quick, reliable.
Background technology
In present moving communicating field, financial field and e-commerce field, for carrying out ecommerce, bank adopts consumption POS directly to finish the money transfer transactions of ecommerce by user's bank account usually, be characterized in directly carrying out the operation of transferring accounts in the ecommerce by the number of the account of bank, so have some defectives, mainly show: one, franchised business is numerous, user's Bank Account Number is operated frequently, can produce the decrypted problem of user account, user's fund has the risk that is stolen; When two, user's account was transferred accounts, the user can not get effective control; Three, the user must carry its bank account card, otherwise, can't consume by POS.The inventor thinks: if overcome defective in the above-mentioned POS payment activity, mobile telephone terminal as a kind of control tool, and foundation is based on the personal electric check card service centre of mobile communications network and E-business service, based on mobile communications network and POS network, to provide convenience to the mobile phone user, fast, safety E-business service, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, the demand of people's convenient and secure payment also presents the trend of rising day by day gradually.Therefore, satisfying the convenient and demand for security that people's ecommerce is transferred accounts, is the scientific research task that the technician faces, and also is the service item that the financial field need provide as early as possible.
Existing computer technology, network technology and mobile communication technology, make the technical conceive of the personal electric check card that the inventor proposes first that the possibility that realizes arranged, that is to say to setting up provides the operation system of personal electric check that technical support is provided to the user.Therefore, the use personal electric check card that proposes first of the inventor notion of carrying out POS consumption or payment has obtained establishment.
Do not retrieve at present the relevant relevant patent documentation that adopts personal electric check card to carry out POS consumption or online payment as yet.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, the system that realizes personal electric check card is provided, adopt this system just can make the user pass through mobile phone and sign personal electric check easily, and on the POS of trade company or on network, carry out safety and transfer accounts easily and consume by personal electric check card, on the ATM of bank, extract cash etc. safely.
The present invention also provides the method that realizes personal electric check card.
The total technical conceive of the present invention is, set up personal electric check card service centre, open the interchanger number of the account in described personal electric check card service centre for the mobile phone user, the mobile phone user is its Mobile Directory Number, the interchanger number of the account with and Bank Account Number in described personal electric check card service centre, set up corresponding relation, and utilize the short message of mobile phone, phonetic dialing, functions such as data service, the check that makes this user send the signature designated amounts by mobile phone instructs described personal electric check card service centre, described personal electric check card service centre retrieves its corresponding interchanger number of the account according to described user's mobile phone number, and after producing the temporary payments password, foundation comprises this interchanger number of the account, payment, an eCheck record of the temporary payments password and the term of validity, then, described temporary payments password is sent to described mobile phone user; When described user consumes when transferring accounts with described interchanger on the POS of trade company, trade company is after selecting consumption on the POS, according to the POS prompting and the input consumption amount of money, POS points out described user to input password, described user inputs described temporary payments password, POS sends the consumption command of money transfer to described personal electric check card service centre, whether described personal electric check card service centre exists the eCheck record of transferring accounts and being complementary with this consumption according to the number of the account checking of described interchanger, if checking is not passed through, then can't carry out message to transaction and return to described POS, described POS provides the unsuccessful prompting of transaction, otherwise, described personal electric check card service centre retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, send of the order of the transfer of financial resources of the dealing money that described POS submits to up to personal electric check card service centre, to the affiliated bank of described Bank Account Number, the described return result of bank, described personal electric check card service centre returns to described POS to this operating result, after described POS handles transaction results, closing the transaction.Such benefit be the user by signing personal electric check, its interchanger just can be consumed on the POS of trade company and be paid on the net, makes the user can control the sub-payment activity of its electronics safely, easily.
Technical scheme of the present invention is as follows:
Realize the system of personal electric check card, wherein: comprise mobile telephone terminal, equipment is accepted in the contributing payment of Unionpay, Mobile Access Gateway equipment, the payment transaction accessing gateway equipment, the bank transaction gateway device, personal electric check card service centre, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and personal electric check card service centre, is used to realize the information interaction between personal electric check card service centre and the mobile telephone terminal; The contributing payment of described Unionpay is accepted equipment by payment data network and the interconnection of payment transaction accessing gateway equipment, the payment transaction accessing gateway equipment is by the interconnection of data network and personal electric check card service centre, is used to realize that the contributing payment of Unionpay accepts the information interaction between equipment and the personal electric check card service centre; The bank transaction gateway device is used to realize transferring accounts between Bank Account Number and the interchanger number of the account by data network and the interconnection of personal electric check card service centre; Described personal electric check card service centre is the Computer Database application server, be used to the mobile phone user to set up the interchanger number of the account, set up the corresponding relation between interchanger number of the account and the Bank Account Number, set up the corresponding relation between Mobile Directory Number and the interchanger number of the account, set up according to the request instruction of the generation eCheck of mobile telephone terminal and to comprise the interchanger number of the account, payment, the eCheck recorded information of the temporary payments password and the term of validity, consumption and transfer request to the interchanger number of the account are carried out the check information audit, realize Bank Account Number transferring accounts to the interchanger number of the account, the condition that is provided with according to the user produces the eCheck record of transferring accounts automatically, send described eCheck to the user's mobile phone terminal, receive the eCheck information of user by the mobile telephone terminal signature, realization interchanger number of the account is transferred accounts to the consumption of trade company; Described mobile telephone terminal is used for the user and initiates to ask to generate the instruction of record of designated amounts eCheck to described personal electric check card service centre, receive the eCheck numbering of this user's signature that described personal electric check card service centre returns and can be used for the interim password and the term of validity information of online payment, receive the eCheck of transferring accounts automatically of the wait signature that described personal electric check card service centre produces, the eCheck information that sends signature is to described personal electric check card service centre; The contributing payment of described Unionpay is accepted transfer of payment order that equipment is used to initiate the interchanger number of the account to described personal electric check card service centre, and receives the operating result message of returning with the described personal electric check card of processing service centre; Described payment transaction accessing gateway equipment is used for that the operation information to described interchanger number of the account that equipment sends over is accepted in the contributing payment of Unionpay and sends to described personal electric check card service centre, and the operating result that described personal electric check card service centre returns is sent to the contributing payment of described Unionpay accepts equipment; Described bank transaction gateway device is used to receive and handle that described personal electric check card service centre initiates to the transferring accounts and query manipulation of the Bank Account Number of described interchanger number of the account correspondence, and operating result is returned to described personal electric check card service centre.
The contributing payment of described Unionpay is accepted equipment and is meant POS; The contributing payment of perhaps described Unionpay is accepted equipment and is meant ATM; The contributing payment of perhaps described Unionpay is accepted equipment and is meant the signatory shop, internet with Unionpay; The account computing machine that equipment is meant the responsible service charging of contracting with Unionpay is accepted in the contributing payment of perhaps described Unionpay.
Described personal electric check card is an interchanger, this interchanger number of the account is built up in the database of described personal electric check card service centre, described personal electric check card service centre sets up corresponding relation to this interchanger number of the account and a bank card account number and a mobile communication number, make this interchanger have following feature, after described interchanger user sends the signature designated amounts by mobile telephone terminal check instructs described personal electric check card service centre, this mobile telephone terminal receives the eCheck numbering of this user's signature that personal electric check card service centre returns and can be used for the interim password and the term of validity of online payment, within this term of validity, this interchanger just has the payment of bank card function, and described user can accept on the equipment to finish by this interchanger and not be higher than transferring accounts of described designated amounts in the contributing payment of the Unionpay of trade company; When described interchanger user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota that described personal electric check card service centre generates on this user's mobile phone terminal, if this user sends this eCheck of signature and instructs described personal electric check card service centre, then described personal electric check card service centre finishes this pen transferred account service automatically, after described eCheck surpassed the term of validity, described personal electric check card service centre cancelled the automatic transferred account service of this pen automatically; If described interchanger user does not sign eCheck by the mobile telephone terminal of described mobile communication number, or the eCheck of signature surpasses the term of validity, then this interchanger is accepted in the contributing payment of the Unionpay of trade company and is consumed on the equipment or when transferring accounts, will be by described personal electric check card service centre refusal.
Realize the method for personal electric check card, comprising following steps:
In the database of personal electric check card service centre, offer user's interchanger number of the account, and this interchanger number of the account and this user's a bank card account number and this user's a mobile communication number are set up corresponding relation;
Check when described user sends the signature designated amounts by mobile telephone terminal in instructs after the described personal electric check card service centre, this mobile telephone terminal receives the eCheck numbering of this user's signature that described personal electric check card service centre returns and can be used for the interim password and the term of validity of online payment, within this term of validity, this user can accept on the equipment in the contributing payment of the Unionpay of trade company and finish the payment by the transfer of accounts that is not higher than described designated amounts by this interchanger;
When described user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota that described personal electric check card service centre generates on this user's mobile phone terminal, if this user sends the instruction of this eCheck of signature to described personal electric check card service centre, then described personal electric check card service centre finishes this pen transferred account service automatically, otherwise, after described eCheck surpassed the term of validity, described personal electric check card service centre cancelled the automatic transferred account service of this pen automatically;
If described user does not have the mobile telephone terminal signature eCheck by its mobile communication number, or the eCheck of signature surpasses the term of validity, then this interchanger is being consumed or is being transferred accounts or enchashment or when payment, will be by described personal electric check card service centre refusal;
After the user has signed eCheck, this user uses its electric check card, and to be interchanger in the contributing payment of Unionpay accept transfers accounts on the equipment or when consumption or enchashment, the contributing payment of described Unionpay is accepted Payment Request order that equipment sends designated amounts to described personal electric check card service centre, whether described personal electric check card service centre exists according to the number of the account checking of described interchanger is transferred accounts with this or eCheck record that consumption or encashment service are complementary, if checking is not passed through, then the result that can't carry out transaction returns to the contributing payment of described Unionpay and accepts equipment, the contributing payment of described Unionpay is accepted equipment and is provided the unsuccessful prompting of transaction, otherwise, described personal electric check card service centre retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, send by the bank transaction gateway device transfer of financial resources of described designated amounts is arrived bank under the described Bank Account Number to the instruction of described personal electric check card service centre, described bank returns the operating result of transaction, described personal electric check card service centre returns to the contributing payment of described Unionpay to this operating result and accepts equipment, after intact this transaction results of device processes is accepted in the contributing payment of described Unionpay, closing the transaction.
Technique effect of the present invention is as follows:
Transaction system by China Unionpay provides the personal electric check card business on the basis that has the Bank Account Number system now in the present invention; thereby make mobile telephone terminal users sign eCheck by its mobile phone; the electric check card consumption of just can on the POS of trade company, transferring accounts of signature; can pay on the internet; also can pay the miscellaneous service expense easily, so the present invention has tangible value in protection user's bank card information safety and convenient user's aspects such as payment.
Description of drawings
Fig. 1 is the system architecture synoptic diagram that the present invention realizes personal electric check card.
Fig. 2 is that the present invention is that the eCheck of embodiment one is stuck in the system architecture synoptic diagram that POS goes up consumption.
Fig. 3 is that the present invention is the system architecture synoptic diagram that the electric check card of embodiment two is paid the fees.
Fig. 4 is that the present invention is the system architecture synoptic diagram of the electric check card online payment of embodiment three.
Embodiment
Fig. 1 is a system architecture synoptic diagram of realizing personal electric check card, wherein:
The contributing payment of Unionpay is accepted equipment 140 and is connected payment transaction accessing gateway equipment 120 by the payment data network;
Personal electric check card service centre 100 is by data network and Mobile Access Gateway equipment 110, payment transaction accessing gateway equipment 120, and 130 interconnection of bank transaction gateway device.
Following is under Fig. 1 system architecture, realizes the method for personal electric check card, and step comprises:
In the database of personal electric check card service centre 100, offer user's interchanger number of the account, and bank card account of this interchanger number of the account and this user and this user's a mobile communication number set up corresponding relation, this interchanger is called electric check card;
When the eCheck card user instructs personal electric check card service centre 100 by the check in the mobile telephone terminal 150 transmission signature designated amounts after, mobile telephone terminal 150 receives the eCheck numbering of this user's signature that personal electric check card service centre 100 returns and can be used for the interim password and the term of validity of online payment, within this term of validity, this user can accept on the equipment 140 in the contributing payment of the Unionpay of trade company and finish the payment by the transfer of accounts that is not higher than described designated amounts by this interchanger;
When the eCheck card user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota of personal electric check card service centre 100 generations on this user's mobile phone terminal 150, if this user sends the instruction of this eCheck of signature to personal electric check card service centre 100, then personal electric check card service centre 100 finishes this pen transferred account service automatically, otherwise, after described eCheck surpassed the term of validity, personal electric check card service centre 100 cancelled this pen transferred account service automatically automatically;
If the eCheck card user is not by its mobile telephone terminal 150 signature eChecks, or the eCheck of signature surpasses the term of validity, then this eCheck is stuck in and consumes or transfer accounts or enchashment or when payment, will be by personal electric check card service centre 100 refusals;
After the eCheck card user has been signed eCheck, this user uses its electric check card, and to be interchanger in the contributing payment of Unionpay accept transfers accounts on the equipment 140 or when consumption or enchashment, the contributing payment of Unionpay is accepted equipment 140 and is sent the Payment Request order of designated amounts to personal electric check card service centre 100, whether checking exists and transfers accounts with this or eCheck record that consumption or encashment service are complementary according to the number of the account of described interchanger in personal electric check card service centre 100, if checking is not passed through, then the result that can't carry out transaction returns to the contributing payment of Unionpay and accepts equipment 140, the contributing payment of Unionpay is accepted equipment 140 and is provided the unsuccessful prompting of transaction, otherwise, personal electric check card service centre 100 retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, send by bank transaction gateway device 130 transfer of financial resources of described designated amounts is arrived bank under the described bank account to the instruction of personal electric check card service centre 100, described bank returns the operating result of transaction, personal electric check card service centre 100 returns to the contributing payment of Unionpay to this operating result and accepts equipment 140, after the contributing payment of Unionpay is accepted equipment 140 and is handled this transaction results, closing the transaction.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 2, Fig. 2 is that the eCheck of embodiments of the invention one is stuck in the system construction drawing that POS goes up consumption, and wherein: joining contributing payment, to accept equipment be POS240, is the consumption POS that Unionpay installs;
The payment transaction accessing gateway equipment is a pos interface machine 220, is the POS front end processor of Unionpay's machine room;
The bank transaction gateway device is the bank card business dealing main frame 230 of Unionpay's machine room;
Preferably, mobile telephone terminal 150 sends dealing money to personal electric check signature access code by short message, this short message sends to Mobile Access Gateway 110 through mobile communications network, and Mobile Access Gateway 110 sends to personal electric check card service centre 100 to this short message;
Preferably, mobile telephone terminal 150 is by dialing the eCheck signature voice access code additional transactions amount of money, this message related to calls sends to Mobile Access Gateway 110 through mobile communications network, and Mobile Access Gateway 110 sends to personal electric check card service centre 100 to this message;
Preferably, mobile telephone terminal 150 is operated through mobile communications network login personal electric check WAP page by the WAP mode;
Preferably, personal electric check card service centre 100 sends to this user's mobile phone terminal 150 to the interim password of numbering, the term of validity and the online payment of the eCheck of user's signature by short message;
Preferably, personal electric check card service centre 100 sends to this user's mobile phone terminal 150 to the eCheck of transferring accounts automatically that needs the user to sign by multimedia message;
Preferably, personal electric check card service centre 100 sends to this user's mobile phone terminal 150 to the eCheck of the literalization of transferring accounts automatically that needs the user to sign by multimedia message;
Preferably, the user brushes bank card by POS, after input Mobile Directory Number and the interchanger number of the account, send electric check card and open an account order to personal electric check card service centre 100, personal electric check card service centre 100 sets up the corresponding relation of described interchanger number of the account, Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
Preferably, the user is by dialing personal electric check card voice access code, send personal electric check card service centre 100 to gather the data such as bank's card number, password, interchanger number of user's telephone number and its input by Mobile Access Gateway 110 after, personal electric check card service centre 100 sets up the corresponding relation of described interchanger number of the account, Mobile Directory Number and described Bank Account Number, and returns the account-opening results messages;
Preferably, the user comprises field informations such as interchanger card number, limit, the term of validity, temporary payments password at the eCheck record of personal electric check card service centre 100 signatures, the following is the consumer sale flow process of the embodiment of the invention one:
The user uses its electric check card (being interchanger) to consume on POS240, POS240 sends the consumption request command of designated amounts to personal electric check card service centre 100 through pos interface machine 220, whether personal electric check card service centre 100 exists the eCheck record that is complementary with this consumption amount of money according to the number of the account checking of described interchanger, if checking is not passed through, then the result that can't carry out transaction returns to POS240, POS240 provides the unsuccessful prompting of transaction, otherwise, personal electric check card service centre 100 retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, sending the amount of money by Unionpay's transaction main frame 230 is described designated amounts, trade company is that the consumption request instruction of personal electric check card service centre 100 arrives the affiliated bank of described bank account, described bank returns the operating result of transaction for personal electric check card service centre 100 through Unionpay's transaction main frame 230, personal electric check card service centre 100 returns to POS240 to this operating result, and POS240 handles this transaction results.
Consult Fig. 3, Fig. 3 is the system construction drawing that the electric check card of embodiments of the invention two is paid the fees, wherein:
It is carrier charge equipment 340 that equipment is accepted in the contributing payment of Unionpay, is the signatory trade company that pays the fees of Unionpay;
The payment transaction accessing gateway equipment is a payment interface machine 320, is the front end processor of personal electric check card service centre 100;
The bank transaction gateway device is the bank card business dealing main frame 230 of Unionpay's machine room;
Preferably, mobile telephone terminal 150 is by dialing the eCheck signature voice access code additional transactions amount of money, this message related to calls sends to Mobile Access Gateway 110 through mobile communications network, Mobile Access Gateway 110 sends to personal electric check card service centre 100 to this message, personal electric check card service centre 100 sends to this user's mobile phone terminal 150 to the interim password of the numbering of this eCheck, the term of validity and online payment by short message after generating the eCheck record according to described message and Mobile Directory Number;
The following is the online payment transaction flow of the embodiment of the invention two:
After carrier charge equipment 340 is received charge message to electric check card (being interchanger) user's designated amounts, send the Payment Request order to personal electric check card service centre 100 through payment interface machine 320, whether personal electric check card service centre 100 exists the eCheck record that is complementary with this consumption amount of money according to the number of the account checking of described interchanger, if checking is not passed through, then the result that can't carry out transaction returns to carrier charge equipment 340, carrier charge equipment 340 produces the unsuccessful recorded information of transaction, otherwise, personal electric check card service centre 100 retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, sending the amount of money by Unionpay's transaction main frame 230 is described designated amounts, trade company is that the consumption request instruction of personal electric check card service centre 100 arrives the affiliated bank of described bank account, described bank returns the operating result of transaction for personal electric check card service centre 100 through Unionpay's transaction main frame 230, personal electric check card service centre 100 returns to carrier charge equipment 340 to this operating result, and carrier charge equipment 340 produces transaction record according to this transaction results.
Consult Fig. 4, Fig. 4 is the system construction drawing of the electric check card online payment of embodiments of the invention three, wherein:
It is Online Store 440 that equipment is accepted in the contributing payment of Unionpay, is signatory internet trade company of Unionpay;
The payment transaction accessing gateway equipment is a payment interface machine 320, is the front end processor of personal electric check card service centre 100;
The bank transaction gateway device is the bank card business dealing main frame 230 of Unionpay's machine room;
Preferably, mobile telephone terminal 150 sends dealing money to personal electric check signature access code by short message, this short message sends to Mobile Access Gateway 110 through mobile communications network, Mobile Access Gateway 110 sends to personal electric check card service centre 100 to this short message, personal electric check card service centre 100 sends to this user's mobile phone terminal 150 to the interim password of the numbering of this eCheck, the term of validity and online payment by short message after generating the eCheck record according to described short message and Mobile Directory Number;
The following is payment transaction flow process on the internet of the embodiment of the invention three:
After Online Store 440 receives electric check card (being interchanger) user's the Payment Request of designated amounts, send the Payment Request order to personal electric check card service centre 100 through payment interface machine 320, whether personal electric check card service centre 100 exists the eCheck record that is complementary with this consumption amount of money according to the number of the account checking of described interchanger, if checking is not passed through, then the result that can't carry out transaction returns to Online Store 440, Online Store 440 produces the unsuccessful information of transaction, otherwise, personal electric check card service centre 100 retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, sending the amount of money by Unionpay's transaction main frame 230 is described designated amounts, trade company is that the consumption request instruction of personal electric check card service centre 100 arrives the affiliated bank of described bank account, described bank returns the operating result of transaction for personal electric check card service centre 100 through Unionpay's transaction main frame 230, personal electric check card service centre 100 returns to Online Store 440 to this operating result, and Online Store 440 produces the transaction prompting according to this transaction results.
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (4)
1. realize the system of personal electric check card, wherein, comprise mobile telephone terminal, equipment is accepted in the contributing payment of Unionpay, Mobile Access Gateway equipment, the payment transaction accessing gateway equipment, the bank transaction gateway device, personal electric check card service centre, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and personal electric check card service centre, is used to realize the information interaction between personal electric check card service centre and the mobile telephone terminal; The contributing payment of described Unionpay is accepted equipment by payment data network and the interconnection of payment transaction accessing gateway equipment, the payment transaction accessing gateway equipment is by the interconnection of data network and personal electric check card service centre, is used to realize that the contributing payment of Unionpay accepts the information interaction between equipment and the personal electric check card service centre; The bank transaction gateway device is used to realize transferring accounts between Bank Account Number and the interchanger number of the account by data network and the interconnection of personal electric check card service centre; Described personal electric check card service centre is the Computer Database application server, be used to the mobile phone user to set up the interchanger number of the account, set up the corresponding relation between interchanger number of the account and the Bank Account Number, set up the corresponding relation between Mobile Directory Number and the interchanger number of the account, set up according to the request instruction of the generation eCheck of mobile telephone terminal and to comprise the interchanger number of the account, payment, the eCheck recorded information of the temporary payments password and the term of validity, consumption and transfer request to the interchanger number of the account are carried out the check information audit, realize Bank Account Number transferring accounts to the interchanger number of the account, the condition that is provided with according to the user produces the eCheck record of transferring accounts automatically, send described eCheck to the user's mobile phone terminal, receive the eCheck information of user by the mobile telephone terminal signature, realization interchanger number of the account is transferred accounts to the consumption of trade company; Described mobile telephone terminal is used for the user and initiates to ask to generate the instruction of record of designated amounts eCheck to described personal electric check card service centre, receive the eCheck numbering of this user's signature that described personal electric check card service centre returns and can be used for the interim password and the term of validity information of online payment, receive the eCheck of transferring accounts automatically of the wait signature that described personal electric check card service centre produces, the eCheck information that sends signature is to described personal electric check card service centre; The contributing payment of described Unionpay is accepted transfer of payment order that equipment is used to initiate the interchanger number of the account to described personal electric check card service centre, and receives the operating result message of returning with the described personal electric check card of processing service centre; Described payment transaction accessing gateway equipment is used for that the operation information to described interchanger number of the account that equipment sends over is accepted in the contributing payment of Unionpay and sends to described personal electric check card service centre, and the operating result that described personal electric check card service centre returns is sent to the contributing payment of described Unionpay accepts equipment; Described bank transaction gateway device is used to receive and handle that described personal electric check card service centre initiates to the transferring accounts and query manipulation of the Bank Account Number of described interchanger number of the account correspondence, and operating result is returned to described personal electric check card service centre.
2. the system of realization personal electric check card according to claim 1, wherein, the contributing payment of described Unionpay is accepted equipment and is meant POS; The contributing payment of perhaps described Unionpay is accepted equipment and is meant ATM; The contributing payment of perhaps described Unionpay is accepted equipment and is meant the signatory shop, internet with Unionpay; The account computing machine that equipment is meant the responsible service charging of contracting with Unionpay is accepted in the contributing payment of perhaps described Unionpay.
3. the system of realization personal electric check card according to claim 1, wherein, described personal electric check card is an interchanger, this interchanger number of the account is built up in the database of described personal electric check card service centre, described personal electric check card service centre sets up corresponding relation to this interchanger number of the account and a bank card account number and a mobile communication number, make this interchanger have following feature, after described interchanger user sends the signature designated amounts by mobile telephone terminal check instructs described personal electric check card service centre, this mobile telephone terminal receives the eCheck numbering of this user's signature that personal electric check card service centre returns and can be used for the interim password and the term of validity of online payment, within this term of validity, this interchanger just has the payment of bank card function, and described user can accept on the equipment to finish by this interchanger and not be higher than transferring accounts of described designated amounts in the contributing payment of the Unionpay of trade company; When described interchanger user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota that described personal electric check card service centre generates on this user's mobile phone terminal, if this user sends this eCheck of signature and instructs described personal electric check card service centre, then described personal electric check card service centre finishes this pen transferred account service automatically, after described eCheck surpassed the term of validity, described personal electric check card service centre cancelled the automatic transferred account service of this pen automatically; If described interchanger user does not sign eCheck by the mobile telephone terminal of described mobile communication number, or the eCheck of signature surpasses the term of validity, then this interchanger is accepted in the contributing payment of the Unionpay of trade company and is consumed on the equipment or when transferring accounts, will be by described personal electric check card service centre refusal.
4. realize the method for personal electric check card, wherein, may further comprise the steps:
In the database of personal electric check card service centre, offer user's interchanger number of the account, and this interchanger number of the account and this user's a bank card account number and this user's a mobile communication number are set up corresponding relation;
Check when described user sends the signature designated amounts by mobile telephone terminal in instructs after the described personal electric check card service centre, this mobile telephone terminal receives the eCheck numbering of this user's signature that described personal electric check card service centre returns and can be used for the interim password and the term of validity of online payment, within this term of validity, this user can accept on the equipment in the contributing payment of the Unionpay of trade company and finish the payment by the transfer of accounts that is not higher than described designated amounts by this interchanger;
When described user has automatic transferred account service, if an automatic transferred account service takes place, then can receive the eCheck of the quota that described personal electric check card service centre generates on this user's mobile phone terminal, if this user sends the instruction of this eCheck of signature to described personal electric check card service centre, then described personal electric check card service centre finishes this pen transferred account service automatically, otherwise, after described eCheck surpassed the term of validity, described personal electric check card service centre cancelled the automatic transferred account service of this pen automatically;
If described user does not have the mobile telephone terminal signature eCheck by its mobile communication number, or the eCheck of signature surpasses the term of validity, then this interchanger is being consumed or is being transferred accounts or enchashment or when payment, will be by described personal electric check card service centre refusal;
After the user has signed eCheck, this user uses its electric check card, and to be interchanger in the contributing payment of Unionpay accept transfers accounts on the equipment or when consumption or enchashment, the contributing payment of described Unionpay is accepted Payment Request order that equipment sends designated amounts to described personal electric check card service centre, whether described personal electric check card service centre exists according to the number of the account checking of described interchanger is transferred accounts with this or eCheck record that consumption or encashment service are complementary, if checking is not passed through, then the result that can't carry out transaction returns to the contributing payment of described Unionpay and accepts equipment, the contributing payment of described Unionpay is accepted equipment and is provided the unsuccessful prompting of transaction, otherwise, described personal electric check card service centre retrieves its corresponding Bank Account Number according to the number of the account of described interchanger, send by the bank transaction gateway device transfer of financial resources of described designated amounts is arrived bank under the described Bank Account Number to the instruction of described personal electric check card service centre, described bank returns the operating result of transaction, described personal electric check card service centre returns to the contributing payment of described Unionpay to this operating result and accepts equipment, after intact this transaction results of device processes is accepted in the contributing payment of described Unionpay, closing the transaction.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2007101776293A CN100485727C (en) | 2007-11-19 | 2007-11-19 | System and method for realizing personal electric check card |
| PCT/CN2007/071267 WO2009065278A1 (en) | 2007-11-19 | 2007-12-19 | System and method for realizing personal electronic check card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2007101776293A CN100485727C (en) | 2007-11-19 | 2007-11-19 | System and method for realizing personal electric check card |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101159082A CN101159082A (en) | 2008-04-09 |
| CN100485727C true CN100485727C (en) | 2009-05-06 |
Family
ID=39307161
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB2007101776293A Expired - Fee Related CN100485727C (en) | 2007-11-19 | 2007-11-19 | System and method for realizing personal electric check card |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN100485727C (en) |
| WO (1) | WO2009065278A1 (en) |
Families Citing this family (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101986336A (en) * | 2010-10-21 | 2011-03-16 | 陈祁麟 | Electronic check payment system and electronic check payment method |
| CN102868712B (en) * | 2011-07-06 | 2015-03-18 | 阿里巴巴集团控股有限公司 | Method and system for data transmission |
| CN103020817A (en) * | 2012-12-18 | 2013-04-03 | 施爱龙 | Internet payment method for joint accounts |
| CN104077841A (en) * | 2013-03-27 | 2014-10-01 | 宝利数码有限公司 | Method and system for mobile identity authentication and payment |
| CN104933566B (en) * | 2014-03-20 | 2019-02-26 | 华为软件技术有限公司 | The application method and mobile-payment system of multipurpose Stored Value voucher |
| CN104657847A (en) * | 2015-02-13 | 2015-05-27 | 吴勇 | Method for payment with limit code |
| TW201643789A (en) * | 2015-06-14 | 2016-12-16 | 西維普拉斯有限責任公司 | Security for electronic transactions and user authentication |
| CN106651379A (en) * | 2016-11-17 | 2017-05-10 | 北京小米移动软件有限公司 | Payment method and device |
| CN106453070A (en) * | 2016-11-21 | 2017-02-22 | 德宸智能科技无锡有限公司 | CNC (computer numerical control) intelligent gateway and application method |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7774231B2 (en) * | 2000-09-29 | 2010-08-10 | Nokia Corporation | Electronic payment methods for a mobile device |
| CN1350393A (en) * | 2000-10-24 | 2002-05-22 | 林一仲 | Mobile payment system |
| CN1581186A (en) * | 2004-05-21 | 2005-02-16 | 叶海峰 | Hand-set payment system and method |
-
2007
- 2007-11-19 CN CNB2007101776293A patent/CN100485727C/en not_active Expired - Fee Related
- 2007-12-19 WO PCT/CN2007/071267 patent/WO2009065278A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| CN101159082A (en) | 2008-04-09 |
| WO2009065278A1 (en) | 2009-05-28 |
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