CN101206739A

CN101206739A - Cash register collection payment system using mobile phone as payment device and corresponding method

Info

Publication number: CN101206739A
Application number: CNA2006101575868A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2006-12-19
Filing date: 2006-12-19
Publication date: 2008-06-25

Abstract

The invention relates to a cash register payment and receipt system using a mobile phone as a payment tool and a corresponding payment method and mainly comprises a DNA center, a user mobile phone, a cash register, a mobile phone network, a card receipt bank computer center and a card delivery bank computer center. When the system and the method of the invention are used to pay for consumption, the user uses the mobile phone to delivery the payment information to the DNA center, and at the same time the cash register also deliveries the payment information to the DNA center; the DNA center checks the information sent by the user mobile phone and the cash register; only when bilateral information is consistent, money can be only deducted from a credit card, a debit card, a cash card, a bank account and other accounts and transferred to a bank account of a gathering merchant. After the money transfer succeeds, the DNA center can send the information which is received from the cash register just now back to the cash register; the received information is compared with the prior sent information by the cash register; when the sent information and the received information are consistent, the money transfer is successful and the receipt can be printed to the user.

Description

With cashier's machine bank settlement system and the correlation method of mobile phone as the payment device

[technical field]

The present invention relates to the field that computing machine and mechanics of communication combine, particularly described technology is used for the system and method for the payment of money card.

[technical background]

Because the fast development of computer technology and mechanics of communication, banking industry has obtained special development, various credits card, debit card, the multiple money card of debit card or the like is by financial institution, and especially the card sending mechanism of bank is competitively issued, and makes increasing people have several money money cards.The user generally invests different bank card and adopts different passwords, carries, uses, remembers that a series of problems such as password, anti-sticking be stolen have all occurred, and has caused many inconvenience.

Because communication or industry, the especially development of mobile phone technique and universal, in considerable area, mobile phone has been popularized for everyone a mobile phone.

The present invention proposes to use the instrument of mobile phone as payment and authentication, can replace the use of credit card, debit card, ATM card, as long as the user carries the mobile phone of oneself and need not carry bank cards such as credit card, debit card, ATM card, just can use mobile phone to brush the account consumption payment of these cards, simple and quick, safe and reliable.

[summary of the invention]

Therefore, purpose of the present invention is to provide a kind of cashier's machine bank settlement system and corresponding mode of payment of promptly paying device with mobile phone as the means of payment.

The object of the present invention is achieved like this,, adopts a kind of like this cashier's machine bank settlement system that is, and described bank settlement system mainly comprises:

DNA center (1), user mobile phone (2), cashier's machine (3), mobile telephone network (4), card-receiving bank computer center (5), issuing bank's computer center (6),

Wherein,

DNA center (1) is the device that a computer system adds communication device, be responsible for to handle and examine the information that sends from user mobile phone (2) and cashier's machine (3), according to the information content in accounts such as user's credit card, debit card, ATM card, bank account, deducting money transfer accounts the gathering trade company bank account

User mobile phone (2) is user's oneself mobile phone or a PDA mobile phone, and the relevant payment information of responsible transmission is to DNA center (1) and receive the information of being sent by DNA center (1),

Cashier's machine (3) is the cashier's machine of a built-in mobile phone (301),

Mobile telephone network (4) is general mobile telephone network, comprises the mobile telephone network of GSM, CDMA, 3G and so on,

Card-receiving bank computer center (5) is the card-receiving bank computer system,

Issuing bank's computer center (6) is issuing bank's computer system,

And,

Described system with user mobile phone (2) as the payment device.

And, adopted a kind of like this cashier's machine bank settlement telecommunication method, adopt system as mentioned above, particularly, described method has adopted the step of user mobile phone as the payment device.

So just realized the present invention.

Advantage of the present invention is, client, and promptly the user need not carry so much various money card, as long as remember the password of each card.Each money card can be put at home, even be put into proof box, prevent loss, prevent stolen loss, and can pass through method and system of the present invention, use the account consumption payment of these cards at any time, enjoy the facility that these cassette tapes come.And, the present invention utilizes the authentication of mobile phone as identity, because when mobile phone inserts in the mobile telephone network, will be by very strict authentication procedure, mobile telephone network can carry out client identity with the data in the SIM in the mobile phone (Subscriber IdentityModule) card and differentiate, can prevent that personation and conversation from being eavesdropped, even someone has duplicated SIM card and has palmed off, find to have the mobile phone while access network that is inserted with identical SIM card when mobile telephone network, know that the someone palms off, will stop the relevant account of this SIM card immediately so no matter, be the mobile phone that is inserted with true SIM card or false SIM card, all can not insert this mobile telephone network again.Utilizing mobile phone is very safe and reliable as the authentication of identity.

[description of drawings]

Fig. 1 is that the present invention utilizes the cashier's machine bank settlement system and method principle key diagram of mobile phone as the payment device.

When Fig. 2 was to use system and method for the present invention, before the consumption payment, the user at first was provided with the key diagram of selecting the money card that is used to pay.

Fig. 3 is the System and method for step key diagram of user when using system and method for the present invention consumption payment.

Fig. 4 is that the user uses have a meal in the restaurant method step key diagram in when payment of system and method for the present invention.

Fig. 5 is the method step key diagram of user when using system and method for the present invention to pay the taxi carfare.

Fig. 6 is that the user uses system and method for the present invention to buy air ticket, train ticket, steamer ticket, method step key diagram when ordering the hotel with Mobile Phone Payments.

Fig. 7 is the method step key diagram of user when using system and method shopping online of the present invention payment.

Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.

[embodiment]

Below in conjunction with accompanying drawing, the present invention is described in further detail.

Consult Fig. 1, Fig. 1 is of the present invention with principle key diagram, the formation of illustrative system and the fundamental method step of mobile phone as the system and method for the cashier's machine bank settlement of payment device.

In summary of the invention, the basic comprising of system of the present invention has been described, continue to consult Fig. 1, DNA center (1) is the abbreviation at the wireless cashier's machine DNA of Mobile Phone Payments center (1), and, in the native system,

Cashier's machine, (3) be a built-in gathering mobile phone, (301) cashier's machine, except that possessing general cashier's machine function, also comprise and mobile phone, (301) interface circuit of line and program, the gathering mobile phone, (301) be responsible for transmitting payment information to the DNA center, (1) and receive by the DNA center, (1) information of sending and instruction, the gathering mobile phone, (301) be inserted with the special SIM card that sends by mobile telephone network company in, for the reason of ensuring public security, be inserted with the gathering mobile phone of this special SIM card, (301) only limit and the DNA center, (1) communication, can not do communication with other mobile phones or phone

The primary structure at DNA center (1) comprising: cashier's machine account system (101), telephony processing system (102), USSD server (103), short message process system (104),

Wherein, cashier's machine account system (101) is a computer server, in be provided with predetermined formula and relevant interface circuit, and preserve client's cell-phone telephone number and the credit card that is bundled, debit card, ATM card, data such as bank account number, and gathering mobile phone (301) telephone number of cashier's machine (3), the payment number, the bank account number of trade company, data such as name of firm, cashier's machine account system (101) handles and examines the information that sends from user mobile phone (2) and cashier's machine (3) by preset program, according to the credit card of the information content from the user, debit card, ATM card, in the accounts such as bank account, deducting money transfer accounts the gathering trade company bank account

Wherein, telephony processing system (102) be responsible for to be handled the call of dialling in from user mobile phone (2), gathering mobile phone (301) etc., by preset program with the data transmissions such as caller ID of the call dialled in to cashier's machine account system (101); Another function of telephony processing system (102) is the data that is transmitted according to from cashier's machine account system (101), circuit with the specified telephone number of data content, dial the telephone number of gathering mobile phone (301), give cashier's machine (3) with data transmission in the caller ID mode

USSD server (103), be to use the server of USSD (the being Unstructured SupplementaryService Data unstructured supplementary service data) technology of mobile telephone network, be responsible for to receive the USSD information of being sent by user mobile phone (2), gathering mobile phone (301), by preset program with data transmissions such as the source telephone number of information and the information contents to cashier's machine account system (101); Another function of USSD server (103) is the data that is transmitted according to from cashier's machine account system (101), sends USSD information to gathering mobile phone (301), gives cashier's machine (3) in the USSD mode with data transmission,

Short message process system (104) be responsible for to be handled the note of being sent from user mobile phone (2), gathering mobile phone (301) etc., press preset program with data transmissions such as the caller ID of note and short message contents to cashier's machine account system (101); Another function of short message process system (104) is the data that is transmitted according to from cashier's machine account system (101), sends note to user mobile phone (2) or gathering mobile phone (301), gives user mobile phone (2) or cashier's machine (3) with data transmission.

Wherein, the method to set up of system is:

At first, one group of continuous telephone number is applied for to telephone operator or relevant department in DNA center (1), it is the telephone number of M bit digital, the preceding N bit digital of M bit digital is defined as fixing major number, the numeral of major number back is the M-N unit numbers altogether, the continuous telephone number of total M-N unit numbers quantity, the continuous telephone number of described M-N unit numbers quantity, as transmitting the payment information purposes between user mobile phone (2) and DNA center (1) and gathering mobile phone (301) and DNA center (1)

The user will register telephone number of its mobile phone (2) and the credit card number that the user is used for paying in DNA center (1) in advance, debit card number, the ATM card number, bank account number etc., with the telephone number of user's mobile phone (2) and the credit card number of being registered, debit card number, the ATM card number, bank account number etc. bundles, the user can register the credit card number of many different banks of binding simultaneously, letter note card number sign indicating number, or bank account number, when customer consumption is paid the bill, DNA center (1) can be paid by the account of user-selected bank card number

One to multiple cashier's machine (3) that is provided by DNA center (1) will be provided in trade company, cashier's machine (3) and DNA center (1) telecommunication connection mutually, and the bank account number of registering trade company's gathering usefulness of cashier's machine (3) in DNA center (1), each cashier's machine (3) distributes a pay-in-cash call number of dialing to client, after client dialed this pay-in-cash call number with his mobile phone (2), DNA center (1) was checked data and will be deducted money from client's bank account after errorless and transfer accounts in the bank account of trade company.

Wherein, M gets 11 to 18, and N gets 3 to M-1, and preferred M gets 16, and N gets 3.

The formation of system of the present invention like this, just clearly has been described basically.

In addition, USSD is the technology of prior mobile phone network, and the present invention adopts and directly brings application mode.

About user mobile phone (2) and data transmission methods aspects such as (1), DNA center, relate to method of the present invention,

Wherein, user mobile phone (2) has three kinds with the data transmission mode at DNA center (1), gathering mobile phone (301) and DNA center (1) etc.:

Wherein,

First mode is that data is transmitted in note (SMS) mode;

And/or

Second mode is that data is transmitted in the telephone number mode, and the telephone number of being dialled is exactly the data that will transmit, or uses the telephone line Outgoing Call of assigned telephone number, and this assigned telephone number is exactly the data that will transmit;

And/or

Third Way is to use the USSD technology, transmits data with the USSD information mode.

Third party's method is to use the USSD technology, transmit data with the USSD information mode, in the present invention, when the user will the transmission data during to DNA center (1), the user goes up the data that input will transmit at mobile phone (2), then by " transmission " key, data is sent to DNA center (1) with the USSD information mode, compare with the operation of the mode that dials phone number of second method, be that first input data is then by " transmission " key equally, for convenience of description, in the explanation of back, all relevant descriptions by " transmission " key that transmit the operation of USSD information are omitted, with " dialing " description as the operation that transmits USSD information, this " dials " is exactly to have comprised input data and by the operation of " transmission " key, also comprised essential steps of all relevant USSD operations, for example initiates the request connection, connect, send data, finish steps such as connection.(annotate: as the initiator who uses mobile phone as USSD, the data that is transmitted must begin with * or # spare, and mobile telephone network knows that from this * or # this is a USSD information, rather than the general operation of dialing)

When using system and method consumption of the present invention to pay the bill, the user uses mobile phone (2) that Payment Information is sent to DNA center (1), the gathering mobile phone (301) of cashier's machine (3) also is sent to Payment Information DNA center (1) simultaneously, check from user mobile phone (2) and the data received of gathering mobile phone (301) at DNA center (1), the necessary consistent ability of both sides' data is from user's credit card, debit card, ATM card, in the accounts such as bank account, deducting money transfer accounts the gathering trade company bank account, the data that DNA center (1) can be received from gathering mobile phone (301) just now after the success of transferring accounts, send back to gathering mobile phone (301), the data that cashier's machine (3) is received from gathering mobile phone (301), make comparisons with the data of sending before, when to send with the data of getting back be consistent, just knowing transfers accounts collects money successfully, gives the guest with regard to Printable Receipt.

Consult Fig. 2, Fig. 2 was the user before using system and method consumption payment of the present invention, and the method step key diagram that selection is paid with the account of that card is set earlier.

Before consumption payment, the user at first will be provided with the step of selecting bank's card number of being used to pay, and method is as follows:

Select card number method A, promptly use the mode of dialing the number,

The user to use the user mobile phone (2) of oneself to dial to select card number dedicated phone number, the last P bit digital of telephone number be exactly the user-selected credit card number that has bundled or the last P bit digital of debit card number or ATM card number or bank account number;

2.DNA center (1) receives incoming call, find the telephone number of user mobile phone (2) from caller ID, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from the last P bit digital of the telephone number that the user dialed, in bank's card number of binding that the user registers, find out credit card number with this P bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and send short messages and notify the user to user mobile phone (2), be the credit card of user-selected fixed number successfully with the Account Settings of payment, all users' consumption payment later on, deducting money from the account of this card number in the capital, selects the account of other card numbers to pay until the user;

Or, select card number method B, promptly use the USSD mode,

1. the user uses the user mobile phone (2) of oneself, dial the access code of selecting card number special number, special number to comprise USSD information and the user-selected credit card number that has bundled or the last P bit digital of debit card number or ATM card number or bank account number;

After center 2.DNA (1) receives the selection card number special number that user mobile phone (2) dials, find user mobile phone (2) telephone number from the source telephone number of the USSD information of the number dialed, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from the number content that the user dialed, find the last P bit digital of card number sign indicating number, in bank's card number of binding that the user registers, find out credit card number with this P bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and notify the user to user mobile phone (2) with USSD mode photos and sending messages, or send short messages and notify the user to user mobile phone (2), be the credit card of selected card number successfully with the Account Settings of paying, all users' consumption payment later on, deducting money from the account of this card number in the capital, selects the account of other card numbers to pay until the user;

Or,

Select card number method C, promptly use the mode of sending short messages,

1. the user uses user mobile phone (2) with the selected credit card number that has bundled or the last P bit digital of debit card number or ATM card number or bank account number, sends to the special-purpose short message telephone number of selection card number at DNA center (1) with note;

After center 2.DNA (1) receives the note that user mobile phone (2) sent out, find the telephone number of user mobile phone (2) from the caller ID of note, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from short message content, find the last P bit digital of card number sign indicating number, in bank's card number of binding that the user registers, find out credit card number with this P bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and send short messages and notify the user to user mobile phone (2), be the credit card of selected card number successfully with the Account Settings of paying, all users' consumption payment later on, deducting money from the account of this card number in the capital, selects the account of other card numbers to pay until the user.

Among Fig. 1, in method to set up, remake some and specify, for example,

At first the wireless cashier's machine DNA of Mobile Phone Payments center (hereinafter to be referred as the DNA center) applies for one group of continuous telephone number to telephone operator or relevant department, for example apply for the telephone number of one group of M=16 bit digital, three bit digital of front N=3 are major numbers of fixing, for example 400, next 13 bit digital totally 10,000,000,000,000 continuous telephone number, these continuous telephone numbers can be used as between user mobile phone (2) and DNA center (1) and gathering mobile phone (301) and DNA center (1) and transmit the payment information purposes in the present invention.

Continue to consult Fig. 2, usually, P gets 4 most convenients, and for example, P got 4 o'clock,

Select among the card number method A,

1. the user uses the user mobile phone (2) of oneself to dial and selects the card number dedicated phone number, last 4 bit digital of telephone number are exactly the user-selected credit card number that has bundled or last 4 bit digital of debit card number or ATM card number or bank account number, for example user-selected credit card number is: 9,988 0,000 4,867 2101, selecting the card number dedicated phone number is that major number is 4009999, and the telephone number that user mobile phone is dialed is exactly 400-9999-2101;

2.DNA center (1) receives incoming call, find the telephone number of user mobile phone (2) from caller ID, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from last 4 bit digital of the telephone number that the user dialed, in bank's card number of binding that the user registers, find out credit card number 9,988 0,000 4,867 2101 with this 4 bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and send short messages and notify the user to user mobile phone (2), be the credit card of card number 9,988 0,000 4,867 2101 successfully with the Account Settings of paying.All users' consumption payment later on all can be deducted money from the account of this card number, selects the account of other card numbers to pay until the user.

Select among the card number method B,

1. the user uses the user mobile phone (2) of oneself, dial and select the card number special number, for example selecting the card number special number is * 725*XXXX#, wherein * 725* is exactly a USSD information access code, XXXX is exactly the user-selected credit card number that has bundled or last 4 bit digital of debit card number or ATM card number or bank account number, for example user-selected credit card number is: 9,988 0,000 4,867 2101, and the number that the user uses mobile phone (2) to dial is exactly * 725*2101#;

After center 2.DNA (1) receives the selection card number special number that user mobile phone (2) dials, find user mobile phone (2) telephone number from the source telephone number of the USSD information of the number dialed, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from the number content that the user dialed, find last 4 bit digital of card number sign indicating number, in bank's card number of binding that the user registers, find out and the credit card number 9,988 0,000 4,867 2101 that ends up with this 4 bit digital, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and notify the user to user mobile phone (2) with USSD mode photos and sending messages, or send short messages and notify the user to user mobile phone (2), be the credit card of card number 9,988 00,004,867 2101 successfully with the Account Settings of paying.All users' consumption payment later on all can be deducted money from the account of this card number, selects the account of other card numbers to pay until the user.

Select among the card number method C,

1. the user uses user mobile phone (2) with the selected credit card number that has bundled or last 4 bit digital of debit card number or ATM card number or bank account number, sends to the special-purpose short message telephone number of selection card number at DNA center (1) with note;

After center 2.DNA (1) receives the note that user mobile phone (2) sent out, find the telephone number of user mobile phone (2) from the caller ID of note, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from short message content, find last 4 bit digital of card number sign indicating number, in bank's card number of binding that the user registers, find out and the credit card number 9,988 0,000 4,867 2101 that ends up with this 4 bit digital, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and send short messages and notify the user to user mobile phone (2), be the credit card of card number 9,988 0,000 4,867 2101 successfully with the Account Settings of paying.All users' consumption payment later on all can be deducted money from the account of this card number, selects the account of other card numbers to pay until the user.

Consult Fig. 3, Fig. 3 comprises method A, B, C, D, the explanation of step, when the user used system and method consumption payment of the present invention, method was as follows:

Mode of payment A adopts A group step, it is characterized in that, uses the method for dialing, and need not input password,

This method is from the credit card that the is bundled payment of deducting money, and described credit card is the credit card that some need not password.

A group step is:

A1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed, for example, Q gets 4, the pay-in-cash call number is exactly: payment number+4 bit digital Payment Amounts, put through just hanging wire immediately of back, gathering mobile phone (301) telephone number of this cashier's machine (3) is found at DNA center (1) from caller ID, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, with the pay-in-cash call number of being dialed, data such as Payment Amount are temporary transient preserves one section fixed time T (for example T gets 2 to person 5 minutes).For example the payment number of this cashier's machine (3) is 400123456789, and Payment Amount is 1,368 yuan, and the pay-in-cash call number that gathering mobile phone (301) is dialed is exactly 4001234567891368;

A2. the user is at the appointed time in the T, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed with user mobile phone (2), put through just hanging wire immediately of back, user mobile phone (2) telephone number is found from caller ID in DNA center (1), find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the account of the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the pay-in-cash call number content of being dialed, find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, for example, Q gets 4, and Payment Amount is exactly back 4 bit digital of the pay-in-cash call number dialed;

Check the Payment Amount in the steps A 2 and pay-in-cash call number of being dialed and the Payment Amount in the steps A 1 at AA.DNA center (1) with the pay-in-cash call number of being dialed, check identical errorless after, the accounting payment data is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

AB. issuing bank's computer center (6) check the account balance of the user-selected bank's card number that is used to pay and data errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The telephone line of the pay-in-cash call number that A3.DNA center (1) the gathering mobile phone (301) of use in steps A 1 dialed, dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, after cashier's machine (3) is received incoming call from gathering mobile phone (301), caller ID and the pay-in-cash call number transferred in steps A 1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately and give the guest, cashier's machine (3) all is stored in the cashier's machine (3) pay-in-cash call number and the data such as the telephone number of receiving incoming call and time on date dialed as duplicated record simultaneously;

Sending short messages to user's user mobile phone (2) in A4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment B: adopt B group step, be suitable for the consumption payment, it is characterized in that, use the method for dialing, need the input password,

This method is from the bank card account that the is bundled payment of deducting money, is fit to some and must inputs the bank card of password, and for example debit card, ATM card and the step that adopted when partly needing the situation of credit card etc. of input password, concrete steps are:

B1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number that the payment number+Q bit digital Payment Amount is formed by this cashier's machine (3), for example, Q gets 4, the pay-in-cash call number of being dialed is exactly: payment number+4 bit digital Payment Amounts, put through just hanging wire immediately of back, gathering mobile phone (301) telephone number of this cashier's machine (3) is found at DNA center (1) from caller ID, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, with the pay-in-cash call number of being dialed, the temporary transient one section fixed time T (for example T got 2 to 5 minutes) that preserves of data such as Payment Amount.For example the payment number of this cashier's machine (3) is 400123456789, and Payment Amount is 1,368 yuan, and the pay-in-cash call number that gathering mobile phone (301) is dialed is exactly 4001234567891368;

B2. the user is at the appointed time in the T, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed with user mobile phone (2), put through phone and by after the wiring of DNA center (1), the user is button input password on mobile phone, this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number is found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user's mobile phone (2) telephone number, find the account of the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the pay-in-cash call number content of being dialed, find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, find the password of user's bank card from the password of being inputed after the user puts through phone, for example, Q gets 4, and Payment Amount is exactly back 4 bit digital of the pay-in-cash call number dialed;

Check the Payment Amount among the step B2 and pay-in-cash call number of being dialed and the Payment Amount in the step 1 at BA.DNA center (1) with the pay-in-cash call number of being dialed, check identical errorless after, the password of accounting payment data and user's bank card is sent to issuing bank's computer center (6) by card-receiving bank computer center (5)

Request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

BB. issuing bank's computer center (6) check the password of account balance, bank card of the user-selected bank's card number that is used to pay and data errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The telephone line of the pay-in-cash call number that B3.DNA center (1) the gathering mobile phone (301) of use in step B1 dialed, dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, cashier's machine (3) is made comparisons from the telephone number of the incoming call received of gathering mobile phone (301) and the pay-in-cash call number of being transferred among step B1 before, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately and give the guest, cashier's machine (3) all is stored in the cashier's machine (3) pay-in-cash call number and the data such as the telephone number of receiving incoming call and time on date dialed as duplicated record simultaneously;

Sending short messages to user mobile phone (2) in B4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment C: adopt C group step, C group step is suitable for the consumption payment, it is characterized in that, uses the USSD method, need not input password,

This method is from the credit card that the is bundled payment of deducting money, and described credit card is the credit card that some need not password, and concrete steps are:

C1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number, Payment Information is sent to DNA center (1), the pay-in-cash call number comprises the access code of USSD information, information such as the payment number of cashier's machine (3) and Payment Amount, for example the pay-in-cash call number is * 729*YYYYYYYYYYYY*ZZZZ#, wherein, wherein the * 729* of front is the access code of USSD information, YYYYYYYYYYYY is exactly the payment number of this cashier's machine (3), ZZZZ is exactly a Payment Amount, for example the payment number of this cashier's machine (3) is 400123456789, Payment Amount is 1,368 yuan, the pay-in-cash call number that gathering mobile phone (301) is dialed is exactly * 729*400123456789*1368#, after the pay-in-cash call number information dialed of gathering mobile phone (301) is received at DNA center (1), find the telephone number of gathering mobile phone (301) from the source telephone number of information, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), from the pay-in-cash call number information content of being dialed, find the payment number and the Payment Amount of this cashier's machine (3), with the pay-in-cash call number of being dialed, the payment number of this cashier's machine (3), the temporary transient one section fixed time T (for example 2 to 5 minutes) that preserves of data such as Payment Amount;

C2. the user is at the appointed time in the T, dial the pay-in-cash call number with user mobile phone (2), the pay-in-cash call number that the mobile phone (301) of collecting money in this pay-in-cash call number and the step 1 is dialed is identical, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the account of the user-selected bank's card number that is used to pay from Account History, find the payment number and the Payment Amount of cashier's machine (3) from the pay-in-cash call number information content of being dialed, find the Account History of trade company and the bank account number of trade company in cashier's machine account system (101) from the payment number;

Check the Payment Amount among the step C2 and pay-in-cash call number of being dialed and the Payment Amount among the step C1 at CA.DNA center (1) with the pay-in-cash call number of being dialed, check identical errorless after, the accounting payment data is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

CB. issuing bank's computer center (6) check the account balance of the user-selected bank's card number that is used to pay and data errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The pay-in-cash call number information that C3.DNA center (1) will be dialed at the gathering mobile phone (301) among the step C1, with USSD information the pay-in-cash call number information is returned to gathering mobile phone (301), cashier's machine (3) is from the source telephone number of the USSD information received of gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the pay-in-cash call number of being transferred in step C1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately and give the guest, cashier's machine (3) all is stored in the cashier's machine (3) data such as the pay-in-cash call number of being dialed and USSD information of receiving and times on date as duplicated record simultaneously;

Sending short messages to user mobile phone (2) in C4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment D: adopt D group step, D group step is suitable for the consumption payment, it is characterized in that, uses the USSD method, needs the input password,

This method is from the bank card account that the is bundled payment of deducting money, and is fit to some and must inputs the bank card of password, comprise debit card, ATM card and partly needs import step under the situation of credit card etc. of password, concrete steps are:

D1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number, Payment Information is sent to DNA center (1), the pay-in-cash call number comprises the access code of USSD information, the payment number and the Payment Amount of cashier's machine (3), for example the pay-in-cash call number is * 729*YYYYYYYYYYYY*ZZZZ#, the * 729* that wherein before selects face is the access code of USSD information, YYYYYYYYYYYY is exactly the payment number of this cashier's machine (3), ZZZZ is exactly a Payment Amount, for example the payment number of this cashier's machine (3) is 400123456789, Payment Amount is 1,368 yuan, the pay-in-cash call number that gathering mobile phone (301) is dialed is exactly * 729*400123456789*1368#, after the pay-in-cash call number information dialed of gathering mobile phone (301) is received at DNA center (1), find the telephone number of gathering mobile phone (301) from the source telephone number of information, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), from the pay-in-cash call number information content of being dialed, find the payment number and the Payment Amount of this cashier's machine (3), with the pay-in-cash call number of being dialed, the payment number of this cashier's machine (3), the temporary transient one section fixed time T (for example 2 to 5 minutes) that preserves of data such as Payment Amount;

D2. the user is at the appointed time in the T, mobile phone (2) with oneself is dialed the pay-in-cash call number, the pay-in-cash call number is exactly that the pay-in-cash call number back that mobile phone (301) dialed of collecting money among the step D1 adds that bank card password partly, * 729*YYYYYYYYYYYY*ZZZZ#PPPPPP# for example, the pay-in-cash call number that the mobile phone (301) of wherein collecting money in layered front portion * 729*YYYYYYYYYYYY*ZZZZ# and the step 1 is dialed is identical, PPPPPP in the part of back is exactly the password of the user-selected bank card that is used to pay, for example the password of this bank card is 654321, the pay-in-cash call number that the user dials is exactly * 729*400123456789*1368#654321#, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) and the password of Payment Amount and bank card from the pay-in-cash call number information content of being dialed, find the Account History of trade company and the bank account number of trade company in cashier's machine account system (101) from the payment number;

Check the Payment Amount among the step D2 and pay-in-cash call number of being dialed and the Payment Amount among the step D1 at DA.DNA center (1) with the pay-in-cash call number of being dialed, check identical errorless after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

DB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The pay-in-cash call number information that D3.DNA center (1) will be dialed at the gathering mobile phone (301) among the step D1, with USSD information the pay-in-cash call number information is returned to gathering mobile phone (301), cashier's machine (3) is from the source telephone number of the USSD information received of gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the pay-in-cash call number of being transferred in step D1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately and give the guest, cashier's machine (3) all is stored in the cashier's machine (3) data such as the pay-in-cash call number of being dialed and USSD information of receiving and times on date as duplicated record simultaneously;

Sending short messages to user's user mobile phone (2) in D4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Among above mode of payment A, B, C, the D, the order of operation of step 1 and step 2 can be changed, become first execution in step 2, execution in step 1 just so all is the scope of mode of payment of the present invention then.In mode of payment C and mode of payment D, can use note to replace USSD information, also all be the scope of mode of payment of the present invention.

Consult Fig. 4, Fig. 4 is that the user uses have a meal in the restaurant method step key diagram in when payment of system and method for the present invention, and Fig. 4 comprises method E, F, G, H,, the explanation of step.

Having a meal in the restaurant when footing the bill payment, generally is by treating to give birth to bill to be given the guest, and the guest gives credit card to treat to give birth to and takes cashier and swipe the card then, by treating to give birth to the receipt of swiping the card is given guest's signature again.Take cashier and swipe the card owing to credit card will be given to treat to give birth to, some people can because worry own credit card have an opportunity by dishonest treat to give birth to steal credit card and steal material, and be unwilling to use credit card to settle accounts.

When using the inventive method to foot the bill payment in the restaurant, credit card need not be given and treat and should give birth to, the guest also need not go to cashier's checkout payment, as long as it is just passable, convenient and swift, safe and reliable to beat designated telephone number with the mobile phone of oneself.

Mode of payment E: adopt E group step, E group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that, the use method of dialing need not inputed password,

E1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, this customer payment telephone number comprises the payment number+platform number+Payment Amount of cashier's machine (3), for example the payment number of this cashier's machine (3) is 400123456, and platform number is 123, and Payment Amount is 1,368 yuan, the customer payment telephone number is exactly 4001234561231368;

E2. after the user receives the bill confirmation, dial customer payment telephone number on the bill with the user mobile phone (2) of oneself, put through just hanging wire immediately of back, user mobile phone (2) telephone number is found from the telephone number of incoming call in DNA center (1), find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the customer payment telephone number of being dialed, Payment Informations such as platform number and Payment Amount find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101);

EA.DNA center (1) with the Payment Information confirmation in the step e 2 after, the accounting payment data is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

EB. issuing bank's computer center (6) check the account balance of the user-selected bank's card number that is used to pay and data errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The telephone line of the customer payment telephone number that E3.DNA center (1) user mobile phone (2) of use in step e 2 dialed, dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, after cashier's machine (3) is received incoming call from gathering mobile phone (301), caller ID and the customer payment telephone number printed in step e 1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately, by treating to give birth to receipt is given the guest then, cashier's machine (3) all is stored in the cashier's machine (3) pay-in-cash call number and the data such as the caller ID of receiving incoming call and time on date dialed as duplicated record simultaneously;

Sending short messages to user's user mobile phone (2) in E4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment F: adopt F group step, F group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that, uses the method for dialing, and needs import password,

This method is fit to some and must inputs the bank card of password from the bank card account that the is bundled payment of deducting money, and comprises for example debit card, ATM card and partly inputs the money card of the credit card etc. and so on of password, and concrete steps are:

F1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, this customer payment telephone number comprises the payment number+platform number+Payment Amount of cashier's machine (3), for example the payment number of this cashier's machine (3) is 400123456, and platform number is 123, and Payment Amount is 1,368 yuan, the customer payment telephone number is exactly 4001234561231368;

F2. after the user receives the bill confirmation, dial customer payment telephone number on the bill with the user mobile phone (2) of oneself, put through phone and by button input password on mobile phone just after the wiring of DNA center (1), this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user mobile phone (2) telephone number is found from caller ID in DNA center (1), find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the customer payment telephone number of being dialed, Payment Informations such as platform number and Payment Amount, find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101), find user's bank card password from the password of being inputed after the user puts through phone;

FA.DNA center (1) with the Payment Information confirmation in the step F 2 after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

FB. issuing bank's computer center (6) check account balance, bank card password and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The telephone line of the customer payment telephone number that user mobile phone (2) is dialed in step F 2 is used at F3.DNA center (1), dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, after cashier's machine (3) is received incoming call from gathering mobile phone (301), caller ID and the customer payment telephone number printed in step F 1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately, by treating to give birth to receipt is given the guest then, cashier's machine (3) all is stored in the cashier's machine (3) pay-in-cash call number and the data such as the caller ID of receiving incoming call and time on date dialed as duplicated record simultaneously;

Sending short messages to user's user mobile phone (2) in F4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment G: adopt G group step, G group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that use USSD method need not inputed password,

This method is from the payment of deducting money of all cards of being bundled such as credit card, and described credit card is the credit card that some need not password, and concrete steps are:

G1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, described customer payment telephone number comprises the access code of USSD information, the payment number of cashier's machine (3), the have a meal information of platform number and Payment Amount, for example the customer payment telephone number is * 729*YYYYYYYYY*TTT*ZZZZ#, wherein the * 729* of front is the access code of USSD information, YYYYYYYYY is exactly the payment number of cashier's machine (3), TTT is exactly a platform number, and ZZZ is exactly a Payment Amount, and for example the payment number of this cashier's machine (3) is 400123456, platform number is 123, Payment Amount is 1,368 yuan, and the customer payment telephone number is exactly * 729*400123456*123*1368#;

G2. after the user receives the bill confirmation, dial customer payment telephone number on the bill with the user mobile phone (2) of oneself, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the customer payment telephone number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the customer payment number of being dialed, Payment Informations such as platform number and Payment Amount find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101);

GA.DNA center (1) with the Payment Information confirmation among the step G2 after, the accounting payment data is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

GB. issuing bank's computer center (6) check the account balance of the user-selected bank's card number that is used to pay and data errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The customer payment telephone number that G3.DNA center (1) will be dialed in the user mobile phone among the step G2 (2), send the customer payment number information to gathering mobile phone (301) with USSD information, cashier's machine (3) is from the source telephone number of the USSD information received of gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the customer payment telephone number of printing in step G1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately, by treating to give birth to receipt is given the guest then, simultaneously cashier's machine (3) all is stored in the cashier's machine (3) data such as the USSD information received and times on date as duplicated record;

Sending short messages to user's user mobile phone (2) in G4.DNA center (1), notifies the data of subscriber-related payment expenditure

Method of operating H: adopt H group step, H group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that, uses the USSD method, needs import password,

This method is fit to some and must inputs the bank card of password from the bank card account that the is bundled payment of deducting money, and comprises as debit card, ATM card and partly inputs the money card of the cards such as credit card of password, and concrete steps are:

H1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, described customer payment telephone number comprises the access code of USSD information, the payment number of cashier's machine (3), the have a meal information of platform number and Payment Amount, for example the customer payment telephone number is * 729*YYYYYYYYY*TTT*ZZZZ#, wherein the * 729* of front is the access code of USSD information, and YYYYYYYYY is exactly the payment number of cashier's machine (3), and TTT is exactly a platform number, ZZZ is exactly a Payment Amount, for example the payment number of this cashier's machine (3) is 400123456, and platform number is 123, and Payment Amount is 1,368 yuan, the customer payment telephone number is exactly * 729*400123456*123*1368#;

H2. after the user receives the bill confirmation, mobile phone (2) with oneself is dialed the pay-in-cash call number, this pay-in-cash call number is exactly the customer payment telephone number+clip pin among the step H1, for example the pay-in-cash call number is * 729*YYYYYYYYY*TTT*ZZZZ#PPPPPP#, wherein the customer payment number on the bill is identical among layered front portion * 729*YYYYYYYYY*TTT*ZZZZ# and the step H1, wherein back PPPPPP partly is exactly the password of the user-selected bank card that is used to pay, for example the password of selected bank card is 654321, the pay-in-cash call number that the user will dial is exactly * 729*400123456*123*1368#654321#, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the customer payment telephone number information content of being dialed, platform number, the Payment Informations such as password of Payment Amount and card find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101);

HA.DNA center (1) with the Payment Information confirmation among the step H2 after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

HB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of trade company;

The customer payment telephone number that H3.DNA center (1) will be dialed in the user mobile phone among the step H2 (2), send the customer payment number information to gathering mobile phone (301) with USSD information, cashier's machine (3) is from the source telephone number of the USSD information received of gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the customer payment telephone number of printing in step H1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just print receipt immediately, by treating to give birth to receipt is given the guest then, simultaneously cashier's machine (3) all is stored in the cashier's machine (3) data such as the USSD information received and times on date as duplicated record;

Sending short messages to user's user mobile phone (2) in H4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Consult Fig. 5, Fig. 5 is the method step key diagram of user when using system and method for the present invention to pay the taxi carfare, and Fig. 5 comprises method I, J, the explanation of step.

Mode of payment I: adopt I group step, the payment that I group step is suitable for paying the taxi carfare is characterized in that, uses the method for dialing, and needs the input password, and concrete steps are:

I1. the mobile phone (2) of user's usefulness oneself is dialed the pay-in-cash call number that the payment number+Q bit digital Payment Amount is formed on the taxi, put through phone and by button input password on mobile phone just after the wiring of DNA center (1), this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number and account number found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number and the Q bit digital Payment Amount of taxi from the pay-in-cash call number content of being dialed, find driver's bank account number and driver's mobile phone (301) telephone number from the payment number of taxi in cashier's machine account system (101), find user's bank card password from the password of being inputed after the user puts through phone, for example Q gets 4, the payment number of this taxi is 400123123321, Payment Amount is 88 yuan, and the pay-in-cash call number that the user dials is exactly 4001231233210088;

Among the IA.DNA (1) heart with the Payment Information confirmation among the step I1 after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

IB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account;

After the fund of transferring accounts is received at I2.DNA center (1), use the circuit of the pay-in-cash call number that the passenger dialed in step I1 immediately, dial the telephone number of driver's mobile phone (301), the driver shows to see it is the incoming call of DNA center (1) from the caller ID of mobile phone (301), the numeral of part is exactly the payment number of this taxi before the caller ID, and caller ID back Q bit digital is exactly a Payment Amount;

I3. the driver checks caller ID and Payment Amount and receives calls after errorless, answering the back confirms at mobile phone (301) button, for example answer the back and confirm gathering by the # key, the passenger can get off and leave away after the driver confirmed to collect money, and DNA center (1) just forwards money in driver's the bank account to when settling accounts every day;

Sending short messages to user's mobile phone (2) in I4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment J: adopt J group step, J group step is suitable for the situation of the payment of pair taxi carfare, it is characterized in that, use the USSD method, need the input password, in this method, the user at first is provided with bank's card number that selection is used to pay, and when paying the taxi carfare, concrete steps are:

J1. the mobile phone (2) of user's usefulness oneself is dialed the payment number+bank card password on the taxi, described payment number comprises the access code of USSD information, the payment number of this taxi, information such as Payment Amount, * 729*YYYYYYYYYYYY*ZZZZ#PPPPPP# for example, wherein the * 729* of front is the access code of USSD information, YYYYYYYYYYYY is exactly the payment number of this taxi, ZZZZ is exactly a Payment Amount, PPPPPP is exactly the password of the user-selected bank card that is used to pay, the password of for example user-selected bank card is 654321, the payment number of taxi is 400123123321, Payment Amount is 88 yuan, the pay-in-cash call number that the user dials with the user mobile phone (2) of oneself is exactly * 729*400123123321*0088#654321#, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of taxi and the Payment Informations such as password of Payment Amount and bank card from the pay-in-cash call number information content of being dialed, find driver's Account History and driver's bank account number and driver's mobile phone (301) telephone number from the payment number in cashier's machine account system (101);

Among the JA.DNA (1) heart with the Payment Information confirmation among the step J1 after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

JB. issuing bank's computer center (6) check account balance, bank card password and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account;

After the fund of transferring accounts is received at J2.DNA center (1), dial driver's mobile phone (301) telephone number immediately, the driver shows to see it is the incoming call of DNA center (1) from the caller ID of mobile phone (301), caller ID back Q bit digital is exactly a Payment Amount, for example Q gets 4, and caller ID back 4 bit digital are exactly Payment Amount;

J3. the driver checks caller ID and Payment Amount and receives calls after errorless, answer the back and confirm gathering at mobile phone key, for example answer the back and confirm gathering by the # key, the passenger can get off and leave away after the driver confirmed to collect money, and DNA center (1) just forwards money in driver's the bank account to when settling accounts every day;

Sending short messages to user's mobile phone (2) in J4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Consult Fig. 6, Fig. 6 is that the user uses system and method for the present invention to buy air ticket, train ticket, ticket, steamer ticket, method step key diagram when ordering the hotel with Mobile Phone Payments, and Fig. 6 comprises method K, L, the explanation of step.

Mode of payment K: adopt K group step, K group step is suitable for buying air ticket, train ticket, ticket, steamer ticket, ordering the situation in hotel with Mobile Phone Payments, it is characterized in that, uses the method for dialing, and needs the input password, and concrete steps are:

K1. the user tells travel agency relevant sailing date, time, the destination, airlines etc. order the air ticket required information, after travel agency finds out suitable flight data, transmit to user mobile phone (2) by the send short messages air ticket data of ordering that the user is required and ticket booking pay-in-cash call number of mobile phone (301), ticket booking pay-in-cash call number is made up of the payment number+serial number+Payment Amount of travel agency, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, for example the payment number of this travel agency is 400456123, and serial number is 712, and Payment Amount is 1,792 yuan, ticket booking payment telephone code is exactly 4004561237121792;

K2. travel agency's ticket booking computer system (3) is by gathering mobile phone (301), dial ticket booking pay-in-cash call number, gathering mobile phone (301) telephone number of travel agency is found at DNA center (1) from caller ID, find the Account History of travel agency and the bank account number of travel agency from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of travel agency from the ticket booking pay-in-cash call number content of being dialed, serial number, Payment Amount, the telephone number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, the temporary transient one section fixed time T (for example 2 to 10 minutes) that preserves of data such as Payment Amount;

K3. the user receives the note of travel agency, check the ticket booking data errorless after, the user at the appointed time dials the interior ticket booking pay-in-cash call number of note with the user mobile phone (2) of oneself in the T, put through phone and by after the wiring of DNA center (1), the user goes up button input password at mobile phone (2), this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number is found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of travel agency from the ticket booking pay-in-cash call number content of being dialed, serial number, Payment Informations such as Payment Amount, find the Account History of travel agency and the bank account number of travel agency from the payment number in cashier's machine account system (101), find user's bank card password from the password of being inputed after the user puts through phone;

Check the Payment Amount in the step K 3 and ticket booking pay-in-cash call number of being dialed and the Payment Amount in the step K 2 at KA.DNA center (1) with the ticket booking pay-in-cash call number of being dialed, check identical errorless after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

KB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, receive DNA center (1)

Transfer accounts behind the fund, when settling accounts every day, just money is forwarded in the bank account of travel agency;

The telephone line of the ticket booking pay-in-cash call number that K4.DNA center (1) the gathering mobile phone (301) of use in step K 2 dialed, dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, after travel agency's ticket booking computer system (3) is received incoming call from gathering mobile phone (301), caller ID and the ticket booking pay-in-cash call number transferred in step K 2 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just formally book tickets for the user immediately, travel agency's ticket booking computer system (3) all is stored in the system ticket booking pay-in-cash call number and the data such as the telephone number of receiving incoming call and time on date dialed as duplicated record simultaneously;

K5. travel agency ticket booking computer system (3) is by gathering mobile phone (301), and the E-ticket data that the user is ordered sends user's mobile phone (2) to note, notifies the user to finish the ticket booking formality, gets tickets to the airport before asking him to set out;

Sending short messages to user's user mobile phone (2) in K6.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment L: adopt L group step, L group step is suitable for buying air ticket, train ticket, ticket, steamer ticket, ordering the situation in hotel with Mobile Phone Payments, it is characterized in that, uses the USSD method, needs the input password, and concrete steps are:

L1. the user tells travel agency relevant sailing date, time, the destination, airlines etc. order the air ticket required information, after travel agency finds out suitable flight data, the air ticket data of ordering and ticket booking pay-in-cash call the number user is required with note are sent to user mobile phone (2), described ticket booking pay-in-cash call number comprises the access code of USSD information, the payment number of travel agency, serial number, Payment Amount, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, for example described ticket booking pay-in-cash call number is * 729*YYYYYYYYY*SSS*ZZZZ#PPPPPP#, wherein * 729* is the access code of USSD information, YYYYYYYYY is exactly the payment number of travel agency, SSS is exactly a serial number, ZZZZ is exactly a Payment Amount, for example the payment number of travel agency is 400456123, serial number is 712, Payment Amount is 1,792 yuan, ticket booking pay-in-cash call number is exactly * 729*400456123*712*1792#;

L2. travel agency's ticket booking computer system (3) is by gathering mobile phone (301), dial ticket booking pay-in-cash call number, gathering mobile phone (301) telephone number is found from the source telephone number of the ticket booking pay-in-cash call number information dialed in DNA center (1), find the Account History of travel agency and the bank account number of travel agency from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of travel agency from the ticket booking pay-in-cash call number content of being dialed, serial number, Payment Amount, the ticket booking pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, the temporary transient one section fixed time T (for example 2 to 10 minutes) that preserves of data such as Payment Amount;

L3. the user receives the note of travel agency, check the ticket booking data errorless after, the user at the appointed time dials the interior ticket booking pay-in-cash call number+clip pin of this note with the user mobile phone (2) of oneself in the T, for example the user dials * 729*YYYYYYYYY*SSS*ZZZZ#PPPPPP#, the ticket booking pay-in-cash call number that the mobile phone (301) of collecting money in layered front portion * 729*YYYYYYYYY*SSS*ZZZZ# in the number of dialing and the step 2 is dialed is identical, wherein PPPPPP is exactly the password of the user-selected bank card that is used to pay, for example the password of user's bank card is 654321, the telephone number that the user dials is exactly * 729*400456123*712*1792#654321#, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the telephone number information that the user dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of travel agency from the telephone number content of being dialed, serial number, Payment Amount, Payment Informations such as the password of bank card find the Account History of travel agency and the bank account number of travel agency from the payment number in cashier's machine account system (101);

The Payment Information among Payment Information among the step L3 and the step L2 is checked at LA.DNA center (1), check identical errorless after, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

LB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of travel agency;

The ticket booking pay-in-cash call number information that L4.DNA center (1) uses the gathering mobile phone (301) in step L2 to be dialed, with USSD information will book tickets the pay-in-cash call number information be returned to the gathering mobile phone (301), the source telephone number of the USSD information that travel agency ticket booking computer system (3) is received from gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the ticket booking pay-in-cash call number of being transferred in step L2 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, just formally book tickets for the user immediately, travel agency's ticket booking computer system (3) all is stored in the system ticket booking pay-in-cash call number and the data such as the caller ID of receiving incoming call and time on date dialed as duplicated record simultaneously;

L5. travel agency ticket booking computer system (3) is by gathering mobile phone (301), and the E-ticket data that the user is ordered sends user's mobile phone (2) to note, notifies the user to finish the ticket booking formality, gets tickets to the airport before asking him to set out;

Sending short messages to user's user mobile phone (2) in L6.DNA center (1), notifies the data of subscriber-related payment expenditure.

Consult Fig. 7, Fig. 7 is the method step key diagram of user when using system and method shopping online of the present invention payment, and Fig. 7 comprises method M, N, the explanation of step.

Mode of payment M: adopt M group step, M group step is suitable for the situation of shopping online payment, it is characterized in that, uses the method for dialing, and needs the input password, and concrete steps are:

M1. shopping website is logined in user's online, select buy article after, shopping website is presented at selected shopping product and pay-in-cash call number on user's the computer screen, the pay-in-cash call number is made up of the payment number+serial number+Payment Amount of shopping website, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, for example the payment number of this shopping website is 400789456, serial number is 116, Payment Amount is 3,185 yuan, ticket booking payment telephone code is exactly 4007894561163185, shopping website is by gathering mobile phone (301), dial the pay-in-cash call number, gathering mobile phone (301) telephone number of shopping website is found at DNA center (1) from caller ID, find the Account History of shopping website and the bank account number of shopping website from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of shopping website from the pay-in-cash call number content of being dialed, serial number, Payment Amount, the pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, the temporary transient one section fixed time T (for example 2 to 10 minutes) that preserves of data such as Payment Amount;

M2. the user check the data of choosing errorless after, at the appointed time the user mobile phone (2) with oneself is dialed this pay-in-cash call number in the T, put through phone and by after the wiring of DNA center (1), the user is button input password on mobile phone, this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number is found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of shopping website from the pay-in-cash call number content of being dialed, serial number, Payment Informations such as Payment Amount, find the Account History of shopping website and the bank account number of shopping website from the payment number in cashier's machine account system (101), find user's bank card password from the password of being inputed after the user puts through phone;

The Payment Information among Payment Information among the step M2 and the step M1 is checked at MA.DNA center (1), after the confirmation, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

MB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of shopping website;

The telephone line of the pay-in-cash call number that M3.DNA center (1) the gathering mobile phone (301) of use in step M1 dialed, dial the telephone number of gathering mobile phone (301), hanging wire immediately after putting through, after shopping website is received incoming call from gathering mobile phone (301), caller ID and the pay-in-cash call number transferred in step M1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, deliver to the consignee of user's appointment with regard to the article of arranging immediately the user is bought, simultaneously shopping website pay-in-cash call number and the data such as the caller ID of receiving incoming call and time on date that mobile phone (301) is dialed of will collect money all are stored in the system as duplicated record;

Sending short messages to user's user mobile phone (2) in M4.DNA center (1), notifies the data of subscriber-related payment expenditure.

Mode of payment N: adopt N group step, N group step is suitable for the situation of shopping online payment, it is characterized in that, uses the USSD method, needs the input password, and concrete steps are:

N1. shopping website is logined in user's online, select buy article after, shopping website is presented at selected shopping product and pay-in-cash call number on user's the computer screen, described pay-in-cash call number comprises the access code of USSD information, the payment number of shopping website, the serial number Payment Amount, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, for example described pay-in-cash call number is * 729*YYYYYYYYY*SSS*ZZZZ#PPPPPP#, wherein * 729* is the access code of USSD information, YYYYYYYYY is exactly the payment number of shopping website, SSS is exactly a serial number, ZZZZ is exactly a Payment Amount, for example the payment number of shopping website is 400489456, serial number is 116, Payment Amount is 3,185 yuan, the pay-in-cash call number is exactly * 729*400789456*116*3185#, shopping website is by gathering mobile phone (301), dial the pay-in-cash call number, gathering mobile phone (301) telephone number is found from the source telephone number of the pay-in-cash call number information dialed in DNA center (1), find the Account History of shopping website and the bank account number of shopping website from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of shopping website from the pay-in-cash call number content of being dialed, serial number, Payment Amount, the pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, temporary transient one section fixed time T, (for example 5 minutes) of preserving of data such as Payment Amount;

N2. the user check the data of choosing errorless after, at the appointed time the user mobile phone (2) with oneself is dialed this pay-in-cash call number+clip pin in the T, wherein clip pin is exactly the password of the user-selected bank card that is used to pay, for example the user dials * 729*YYYYYYYYY*SSS*ZZZZ#PPPPPP#, the pay-in-cash call number that the mobile phone (301) of collecting money in layered front portion * 729*YYYYYYYYY*SSS*ZZZZ# in the number of dialing and the step 1 is dialed is identical, wherein PPPPPP is exactly the password of the user-selected bank card that is used to pay, for example the password of user's bank card is 654321, the telephone number that the user dials is exactly * 729*400789456*116*3185#654321#, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the telephone number information that the user dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of shopping website from the telephone number content of being dialed, serial number, Payment Amount, Payment Informations such as the password of bank card find the Account History of shopping website and the bank account number of shopping website from the payment number in cashier's machine account system (101);

The Payment Information among Payment Information among the step N2 and the step N1 is checked at NA.DNA center (1), after the confirmation, accounting payment data and user's bank card password is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

NB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of shopping website;

The ticket booking pay-in-cash call number information that N3.DNA center (1) uses the gathering mobile phone (301) in step N1 to be dialed, with USSD information will book tickets the pay-in-cash call number information be returned to the gathering mobile phone (301), shopping website is from the source telephone number of the USSD information received of gathering mobile phone (301), know from DNA center (1) and send, information of receiving and the pay-in-cash call number of being transferred in step N1 are before made comparisons, check and identically know that DNA center (1) confirmed to have received money after errorless, deliver to the consignee of user's appointment with regard to the article of arranging immediately the user is bought, simultaneously shopping website pay-in-cash call number and the data such as the caller ID of receiving incoming call and time on date that mobile phone (301) is dialed of will collect money all are stored in the system as duplicated record;

Sending short messages to user's user mobile phone (2) in N4.DNA center (1), notifies the data of subscriber-related payment expenditure.

System and method of the present invention is extremely characteristic, makes mobile phone open up new application, aspect the utilizing of various money cards, has made things convenient for users.

Claims

1. cashier's machine bank settlement system, described bank settlement system mainly comprises:

Wherein,

Mobile telephone network (4) is general mobile telephone network, comprises the mobile telephone network of GSM, CDMA, 3G and so on, and card-receiving bank computer center (5) is the card-receiving bank computer system,

Issuing bank's computer center (6) is issuing bank's computer system,

And,

Described system with user mobile phone (2) as the payment device.

2. cashier's machine bank settlement system according to claim 1, wherein,

Wherein,

Cashier's machine account system (101) is a computer server, in be provided with predetermined formula and relevant interface circuit, and preserve client's cell-phone telephone number and the credit card that is bundled, debit card, ATM card, data such as bank account number, and gathering mobile phone (301) telephone number of cashier's machine (3), the payment number, the bank account number of trade company, data such as name of firm, cashier's machine account system (101) handles and examines the information that sends from user mobile phone (2) and cashier's machine (3) by preset program, according to the credit card of the information content from the user, debit card, ATM card, in the accounts such as bank account, deducting money transfer accounts the gathering trade company bank account

3. cashier's machine bank settlement system as claimed in claim 1 or 2, wherein, the method to set up of system is:

4. as bank settlement system as described in the claim 3, wherein,

M gets 11 to 18,

N gets 3 to M-1,

Preferred M gets 16, and N gets 3.

5. cashier's machine bank settlement telecommunication method, described method adopt as system as described in claim 1 or 2 or 3 or 4, and particularly, described method has adopted the step of user mobile phone (2) as the payment device.

6. as bank settlement telecommunication method as described in the claim 5, wherein,

User mobile phone (2) has three kinds with the data transmission mode at DNA center (1), gathering mobile phone (301) and DNA center (1) etc.:

Wherein,

First mode is that data is transmitted in note (SMS) mode;

And/or

7. as bank settlement telecommunication method as described in claim 5 or 6, wherein,

8. as bank settlement telecommunication method as described in claim 5 or 6 or 7, wherein,

Before consumption payment, the user at first will be provided with the step of selecting bank's card number of being used to pay, and method is as follows: select card number method A, promptly use the mode of dialing the number,

1. the user uses the user mobile phone (2) of oneself to dial and selects the card number dedicated phone number, the last P bit digital of telephone number is exactly the user-selected credit card number that has bundled or the last P bit digital of debit card number or ATM card number or bank account number

2.DNA center (1) receives incoming call, find the telephone number of user mobile phone (2) from caller ID, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from the last P bit digital of the telephone number that the user dialed, in bank's card number of binding that the user registers, find out credit card number with this P bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and send short messages and notify the user to user mobile phone (2), be the credit card of user-selected fixed number successfully with the Account Settings of payment, all users' consumption payment later on, deducting money from the account of this card number in the capital, selects the account of other card numbers to pay until the user

Or

Select card number method B, promptly use the USSD mode,

After center 2.DNA (1) receives the selection card number special number that user mobile phone (2) dials, find user mobile phone (2) telephone number from the source telephone number of the USSD information of the number dialed, find user's Account History in cashier's machine account system (101) from the telephone number of user mobile phone (2), from the number content that the user dialed, find the last P bit digital of card number sign indicating number, in bank's card number of binding that the user registers, find out credit card number with this P bit digital ending, DNA center (1) is immediately with the account of this card number, account as the customer consumption payment, and notify the user to user mobile phone (2) with USSD mode photos and sending messages, or send short messages and notify the user to user mobile phone (2), be the credit card of Selected Card number successfully with the Account Settings of payment, all users' consumption payment later on, deducting money from the account of this card number in the capital, selects the account of other card numbers to pay until the user;

Or

Select card number method C, promptly use the mode of sending short messages,

9. as bank settlement telecommunication method as described in the claim 8, wherein, P=4.

10. as bank settlement telecommunication method arbitrary in the claim 5 to 9, it is characterized in that, adopted A group step, A group step especially is suitable for the consumption payment, and the feature of A group step is to use the method for dialing, need not input password, this method is from the credit card that the is bundled payment of deducting money, and described credit card is the credit card that some need not password

A group step is:

A1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed, put through just hanging wire immediately of back, gathering mobile phone (301) telephone number of this cashier's machine (3) is found at DNA center (1) from caller ID, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, with the pay-in-cash call number of being dialed, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

A2. the user is at the appointed time in the T, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed with user mobile phone (2), put through just hanging wire immediately of back, user mobile phone (2) telephone number is found from caller ID in DNA center (1), find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the account of the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the pay-in-cash call number content of being dialed, find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed;

11. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts B group step, B group step is suitable for the consumption payment, and the feature of B group step is, uses the method for dialing, and needs the input password,

B1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number that the payment number+Q bit digital Payment Amount is formed by this cashier's machine (3), put through just hanging wire immediately of back, gathering mobile phone (301) telephone number of this cashier's machine (3) is found at DNA center (1) from caller ID, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, with the pay-in-cash call number of being dialed, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

B2. the user is at the appointed time in the T, dial the pay-in-cash call number that this payment number by this cashier's machine (3)+Q bit digital Payment Amount is formed with user mobile phone (2), put through phone and by after the wiring of DNA center (1), the user is button input password on mobile phone, this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number is found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user's mobile phone (2) telephone number, find the account of the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the pay-in-cash call number content of being dialed, find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101), find Payment Amount from the back Q bit digital of the pay-in-cash call number dialed, find the password of user's bank card from the password of being inputed after the user puts through phone;

Check the Payment Amount among the step B2 and pay-in-cash call number of being dialed and the Payment Amount in the step 1 at BA.DNA center (1) with the pay-in-cash call number of being dialed, check identical errorless after, the password of accounting payment data and user's bank card is sent to issuing bank's computer center (6) by card-receiving bank computer center (5), request is in the account of the user-selected bank's card number that is used to pay, and the money of the accounting payment amount of money is in the bank account of DNA center (1);

12. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts C group step, C group step is suitable for the consumption payment, and the feature of C group step is, uses the USSD method, need not input password,

C1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number, Payment Information is sent to DNA center (1), the pay-in-cash call number comprises the access code of USSD information, information such as the payment number of cashier's machine (3) and Payment Amount, after the pay-in-cash call number information dialed of gathering mobile phone (301) is received at DNA center (1), find the telephone number of gathering mobile phone (301) from the source telephone number of information, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), from the pay-in-cash call number information content of being dialed, find the payment number and the Payment Amount of this cashier's machine (3), with the pay-in-cash call number of being dialed, the payment number of this cashier's machine (3), one section fixed time T of the temporary transient preservation of data such as Payment Amount;

13. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts D group step, D group step is suitable for the consumption payment, and the feature of D group step is, uses the USSD method, needs the input password,

D1. the cashier imports cashier's machine (3) with Payment Information, then by the gathering mobile phone (301) in the machine, dial the pay-in-cash call number, Payment Information is sent to DNA center (1), the pay-in-cash call number comprises the access code of USSD information, the payment number and the Payment Amount of cashier's machine (3), after the pay-in-cash call number information dialed of gathering mobile phone (301) is received at DNA center (1), find the telephone number of gathering mobile phone (301) from the source telephone number of information, find the Account History of trade company and the bank account number of trade company from the telephone number of gathering mobile phone (301) in cashier's machine account system (101), from the pay-in-cash call number information content of being dialed, find the payment number and the Payment Amount of this cashier's machine (3), with the pay-in-cash call number of being dialed, the payment number of this cashier's machine (3), one section fixed time T of the temporary transient preservation of data such as Payment Amount;

D2. the user is at the appointed time in the T, mobile phone (2) with oneself is dialed the pay-in-cash call number, the pay-in-cash call number is exactly that the pay-in-cash call number back that mobile phone (301) dialed of collecting money among the step D1 adds that bank card password partly, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) and the password of Payment Amount and bank card from the pay-in-cash call number information content of being dialed, find the Account History of trade company and the bank account number of trade company in cashier's machine account system (101) from the payment number;

14. as bank settlement telecommunication method arbitrary in the claim 5 to 9, it is characterized in that, adopt E group step, E group step is suitable for consuming the restaurant payment of having a meal, and the feature of E group step is, the use method of dialing, need not input password, this method is from the credit card that the is bundled payment of deducting money, and described credit card is the credit card that some need not password, and concrete steps are:

E1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, this customer payment telephone number comprises the payment number+platform number+Payment Amount of cashier's machine (3);

15. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts F group step, F group step is suitable for consuming the restaurant payment of having a meal, and the feature of F group step is, uses the method for dialing, and needs import password,

F1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, this customer payment telephone number comprises the payment number+platform number+Payment Amount of cashier's machine (3);

16. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts G group step, G group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that use USSD method need not inputed password,

G1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, described customer payment telephone number comprises the access code of USSD information, the payment number of cashier's machine (3), the information of have a meal platform number and Payment Amount;

Sending short messages to user's user mobile phone (2) in G4.DNA center (1), notifies the data of subscriber-related payment expenditure.

17. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts H group step, H group step is suitable for consuming the restaurant payment of having a meal, and it is characterized in that, uses the USSD method, needs import password,

H1. the cashier imports cashier's machine (3) with Payment Information and prints the charge bill, the above-listed consumption particulars that go out the guest of charge bill, be printed on the customer payment telephone number on the bill of charging simultaneously, described customer payment telephone number comprises the access code of USSD information, the payment number of cashier's machine (3), the information of have a meal platform number and Payment Amount;

H2. after the user receives the bill confirmation, mobile phone (2) with oneself is dialed the pay-in-cash call number, this pay-in-cash call number is exactly the customer payment telephone number+clip pin among the step H1, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of cashier's machine (3) from the customer payment telephone number information content of being dialed, platform number, the Payment Informations such as password of Payment Amount and bank card find the Account History of trade company and the bank account number of trade company from the payment number in cashier's machine account system (101);

18. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts I group step, the payment that I group step is suitable for paying the taxi carfare is characterized in that, uses the method for dialing, and needs the input password, and concrete steps are:

I1. the mobile phone (2) of user's usefulness oneself is dialed the pay-in-cash call number that the payment number+Q bit digital Payment Amount is formed on the taxi, put through phone and by button input password on mobile phone just after the wiring of DNA center (1), this password is exactly the password of the selected bank card that is used to pay, hanging wire then, user's mobile phone (2) telephone number and account number found at DNA center (1) from caller ID, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number and the Q bit digital Payment Amount of taxi from the pay-in-cash call number content of being dialed, find driver's bank account number and driver's mobile phone (301) telephone number from the payment number of taxi in cashier's machine account system (101), find user's bank card password from the password of being inputed after the user puts through phone;

I3. the driver checks caller ID and Payment Amount and receives calls after errorless, answers the back and confirms at mobile phone (301) button, and the driver back passenger that confirms to collect money can get off and leaves away, and DNA center (1) just forwards money in driver's the bank account to when settling accounts every day;

Sending short messages to user's user mobile phone (2) in I4.DNA center (1), notifies the data of subscriber-related payment expenditure.

19. as bank settlement telecommunication method arbitrary in the claim 5 to 9, it is characterized in that, adopt J group step, J group step is suitable for the situation of the payment of pair taxi carfare, it is characterized in that, use the USSD method, need the input password, in this method, the user at first is provided with bank's card number that selection is used to pay, when paying the taxi carfare, concrete steps are:

J1. the mobile phone (2) of user's usefulness oneself is dialed the payment number+bank card password on the taxi, described payment number comprises the access code of USSD information, the payment number of this taxi, information such as Payment Amount, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the pay-in-cash call number information dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of taxi and the Payment Informations such as password of Payment Amount and bank card from the pay-in-cash call number information content of being dialed, find driver's Account History and driver's bank account number and driver's mobile phone (301) telephone number from the payment number in cashier's machine account system (101);

After the fund of transferring accounts is received at J2.DNA center (1), dial driver's mobile phone (301) telephone number immediately, the driver shows to see it is the incoming call of DNA center (1) from the caller ID of mobile phone (301), and caller ID back Q bit digital is exactly a Payment Amount;

J3. the driver checks caller ID and Payment Amount and receives calls after errorless, answers the back and confirms gathering at mobile phone key, and the driver back passenger that confirms to collect money can get off and leaves away, and DNA center (1) just forwards money in driver's the bank account to when settling accounts every day;

20. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts K group step, K group step is suitable for buying air ticket, train ticket, ticket, steamer ticket, ordering the situation in hotel with Mobile Phone Payments, it is characterized in that, uses the method for dialing, need the input password, concrete steps are:

K1. the user tells travel agency relevant sailing date, time, the destination, airlines etc. order the air ticket required information, after travel agency finds out suitable flight data, transmit to user mobile phone (2) by the send short messages air ticket data of ordering that the user is required and ticket booking pay-in-cash call number of mobile phone (301), ticket booking pay-in-cash call number is made up of the payment number+serial number+Payment Amount of travel agency, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes;

K2. travel agency's ticket booking computer system (3) is by gathering mobile phone (301), dial ticket booking pay-in-cash call number, gathering mobile phone (301) telephone number of travel agency is found at DNA center (1) from caller ID, find the Account History of travel agency and the bank account number of travel agency from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of travel agency from the ticket booking pay-in-cash call number content of being dialed, serial number, Payment Amount, the telephone number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

KB. issuing bank's computer center (6) check account balance, clip pin and the data of the user-selected bank's card number that is used to pay errorless after, change money in the bank account of DNA center (1) from the account, after the fund of transferring accounts is received at DNA center (1), when settling accounts every day, just money is forwarded in the bank account of travel agency;

21. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts L group step, L group step is suitable for buying air ticket, train ticket, ticket, steamer ticket, ordering the situation in hotel with Mobile Phone Payments, it is characterized in that, uses the USSD method, need the input password, concrete steps are:

L1. the user tells travel agency relevant sailing date, time, the destination, airlines etc. order the air ticket required information, after travel agency finds out suitable flight data, the air ticket data of ordering and ticket booking pay-in-cash call the number user is required with note are sent to user mobile phone (2), described ticket booking pay-in-cash call number comprises the access code of USSD information, the payment number of travel agency, serial number, Payment Amount, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes;

L2. travel agency's ticket booking computer system (3) is by gathering mobile phone (301), dial ticket booking pay-in-cash call number, gathering mobile phone (301) telephone number is found from the source telephone number of the ticket booking pay-in-cash call number information dialed in DNA center (1), find the Account History of travel agency and the bank account number of travel agency from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of travel agency from the ticket booking pay-in-cash call number content of being dialed, serial number, Payment Amount, the ticket booking pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

L3. the user receives the note of travel agency, check the ticket booking data errorless after, the user at the appointed time dials the interior ticket booking pay-in-cash call number+clip pin of this note with the user mobile phone (2) of oneself in the T, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the telephone number information that the user dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of travel agency from the telephone number content of being dialed, serial number, Payment Amount, Payment Informations such as the password of bank card find the Account History of travel agency and the bank account number of travel agency from the payment number in cashier's machine account system (101);

22. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts M group step, M group step is suitable for the situation of shopping online payment, it is characterized in that, uses the method for dialing, and needs the input password, and concrete steps are:

M1. shopping website is logined in user's online, select buy article after, shopping website is presented at selected shopping product and pay-in-cash call number on user's the computer screen, the pay-in-cash call number is made up of the payment number+serial number+Payment Amount of shopping website, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, shopping website is by gathering mobile phone (301), dial the pay-in-cash call number, gathering mobile phone (301) telephone number of shopping website is found at DNA center (1) from caller ID, find the Account History of shopping website and the bank account number of shopping website from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of shopping website from the pay-in-cash call number content of being dialed, serial number, Payment Amount, the pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

23. the bank settlement telecommunication method as arbitrary in the claim 5 to 9 is characterized in that, adopts N group step, N group step is suitable for the situation of shopping online payment, it is characterized in that, uses the USSD method, needs the input password, and concrete steps are:

N1. shopping website is logined in user's online, select buy article after, shopping website is presented at selected shopping product and pay-in-cash call number on user's the computer screen, described pay-in-cash call number comprises the access code of USSD information, the payment number of shopping website, the serial number Payment Amount, wherein serial number is one 3 bit digital, automatically increase progressively 1 by each transaction, numerical value from 000 to 999, after arriving 999, increase progressively 1 again and will return numerical value 000, use serial number can distinguish out different guests' Payment Information, can prevent to make mistakes, shopping website is by gathering mobile phone (301), dial the pay-in-cash call number, gathering mobile phone (301) telephone number is found from the source telephone number of the pay-in-cash call number information dialed in DNA center (1), find the Account History of shopping website and the bank account number of shopping website from gathering mobile phone (301) telephone number in cashier's machine account system (101), find the payment number of shopping website from the pay-in-cash call number content of being dialed, serial number, Payment Amount, the pay-in-cash call number that the mobile phone (301) of will collecting money is dialed, the payment number, serial number, one section fixed time T of the temporary transient preservation of data such as Payment Amount;

N2. the user check the data of choosing errorless after, at the appointed time the user mobile phone (2) with oneself is dialed this pay-in-cash call number+clip pin in the T, wherein clip pin is exactly the password of the user-selected bank card that is used to pay, user's mobile phone (2) telephone number is found at DNA center (1) from the source telephone number of the telephone number information that the user dialed, find user's Account History in cashier's machine account system (101) from user mobile phone (2) telephone number, find the user-selected bank's card number that is used to pay from Account History, find the payment number of shopping website from the telephone number content of being dialed, serial number, Payment Amount, Payment Informations such as the password of bank card find the Account History of shopping website and the bank account number of shopping website from the payment number in cashier's machine account system (101);

24. as bank settlement telecommunication method arbitrary in the claim 9 to 23, wherein, related Q is 4 to 6, is preferably 4, T is 2 to 15 minutes, is preferably 2 to 5 minutes.