CN105741113A - Method for transaction at network transaction terminal by using electronic wallet - Google Patents
Method for transaction at network transaction terminal by using electronic wallet Download PDFInfo
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- CN105741113A CN105741113A CN201410755065.7A CN201410755065A CN105741113A CN 105741113 A CN105741113 A CN 105741113A CN 201410755065 A CN201410755065 A CN 201410755065A CN 105741113 A CN105741113 A CN 105741113A
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- stored value
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Abstract
The invention relates to a method for transaction at a network transaction terminal by using an electronic wallet. The method comprises: one phone number corresponds to an electronic wallet, wherein the phone number corresponds to a communication device; first transaction information is inputted to a network transaction terminal; the phone number is inputted into the network transaction terminal; the first transaction information is transmitted to the electronic wallet; the first transaction information is confirmed at the electronic wallet and second transaction information is generated; the second transaction information is transmitted to a remote payment system by the electronic wallet; and the remote payment system determines whether the transaction is approved. With the method, the transaction convenience is improved and the time is saved; the transaction security is enhanced; and the risk of stealing information or a credit card can be reduced.
Description
Technical field
The present invention is about a kind of method of transaction, and especially with regard to a kind of method being traded at network trading end with stored value card.
Background technology
At present network trading is day by day prevailing, and online store miscellaneous is flourish, and consumer, after online store carries out the selecting of commodity, if being intended to transaction, then needs to select Payment Methods further.Existing Payment Methods include and such as carry out transferring accounts or adopting modes such as cashing on delivery at ATM (ATM), and wherein Payment Methods are then utilize the credit card to carry out online trading the most easily.In the prior art, in the way of the credit card carries out online trading, following step is included: online store provides credit card trade interface；Consumer is intended to the relevant information of the credit card used in the input of credit card trade interface, such as information such as credit card number and credit card Expiration Dates；The relevant information of the credit card is sent to payment mechanism, such as issuing bank by network；Issuing bank checks and approves transaction after confirming.There are some problems in above-mentioned transaction step, first, consumer needs to input one by one the relevant information of the credit card, thus inconvenience when causing transaction；In addition, the relevant information of consumer's input credit card all needs to be transmitted by network to those information of transmission to the process of issuing bank, it is possible to create the relevant information of the credit card is stolen and causes the risk of the stolen brush of the credit card.Therefore, existing mode of doing business does not disclose further solution.
Summary of the invention
In view of this, the purpose of the present invention is proposing the method that one is traded at network trading end with stored value card (Mobilewallet), to improving the convenience of transaction and saving the time, can also improve the safety of transaction simultaneously and reduction information is stolen the risk with the stolen brush of the credit card.
For reaching above-mentioned purpose, the present invention proposes a kind of method being traded with stored value card at network trading end, comprises the following steps: that a corresponding telephone number is to stored value card, and wherein, described telephone number corresponds to a communicator；Input the first Transaction Information in network trading end；Input telephone number is to network trading end；Transmit the first Transaction Information to stored value card；Stored value card confirms the first Transaction Information and produces the second Transaction Information；The second Transaction Information is transmitted to far-end payment system by stored value card；And far-end payment system is confirmed whether to check and approve transaction.
In an embodiment of the present invention, described on stored value card, confirm the first Transaction Information and produce the step of the second Transaction Information and farther include: on stored value card, select Payment Methods and produce the second Transaction Information, wherein, the second Transaction Information includes payment information and the first Transaction Information.
In an embodiment of the present invention, described far-end payment system includes third party's main frame and payment terminals main frame, and stored value card and network trading end are electrically connected with third party's main frame, and third party's main frame is electrically connected payment terminals main frame.
In an embodiment of the present invention, described transmitting the second Transaction Information to the step of far-end payment system at stored value card and farther include: stored value card transmits the second Transaction Information to after third party's main frame, third party's main frame transmits the second Transaction Information to payment terminals main frame.
In an embodiment of the present invention, described far-end payment system is confirmed whether that the step checking and approving transaction farther includes: payment terminals host acknowledgement notifies third party's main frame after whether checking and approving transaction.
In an embodiment of the present invention, described far-end payment system is confirmed whether that the step checking and approving transaction farther includes: if transaction checked and approved by payment terminals main frame, and third party's main frame is respectively transmitted transaction and completes information to stored value card and network trading end；And if payment terminals main frame do not check and approve transaction, third party's main frame is respectively transmitted Fail Transaction information to stored value card and network trading end.
In an embodiment of the present invention, farther include before described input telephone number step in network trading end: select to pay the bill with stored value card at network trading end.
In an embodiment of the present invention, farther include after described input telephone number step in network trading end: transmit Notice Of Transactions that the first Transaction Information and network trading end produce to third party's main frame；Wherein, when after third party's host acknowledgement Notice Of Transactions, third party's main frame transmits the first Transaction Information to this stored value card.
In an embodiment of the present invention, described communicator includes portable apparatus, and stored value card is arranged in portable apparatus.
In an embodiment of the present invention, described portable apparatus substantially smart mobile phone (Smartphone), described telephone number corresponds to smart mobile phone.
A kind of method being traded at network trading end with stored value card proposed by the invention, it is by by corresponding for the telephone number payment information to stored value card Yu consumer, therefore when consumer pays the bill at network, only need input telephone number, without the relevant information such as card number and Expiration Date inputting the credit card one by one, so can improve convenience when concluding the business and also save the time.In addition, the present invention is using third party's main frame as the medium between payment terminals main frame, stored value card and network trading end, wherein, network trading end received with in the information transmitted, the only telephone number relevant with consumer, network trading end can't learn the relevant information of the credit card of consumer, the relevant information of the credit card is only transmitted between stored value card, third party's main frame and payment terminals main frame, thus safety when improve transaction and reduce the relevant information of the credit card and be stolen the risk with the stolen brush of the credit card.
Accompanying drawing explanation
The present invention is only schematically illustrated and explains by the following drawings, not delimit the scope of the invention.
Fig. 1 is the block chart of the transaction system of a preferred embodiment of the present invention.
Fig. 2 is the method flow diagram that a preferred embodiment of the present invention is traded at network trading end with stored value card.
Identifier declaration
100 transaction systems
110 portable apparatus
111 stored value cards
120 network trading ends
121 online stores
130 far-end payment systems
131 third party's main frames
132 payment terminals main frames
S101 correspondence telephone number is to stored value card
S103 inputs the first Transaction Information to network trading end
S105 selects to pay the bill with stored value card
S107 inputs telephone number to network trading end
S109 transmits the first Transaction Information and Notice Of Transactions to third party's main frame
S111 third party's host acknowledgement Notice Of Transactions
S113 transmits the first Transaction Information to stored value card
S115 selects Payment Methods on stored value card and produces the second Transaction Information
S117 is transmitted the second Transaction Information to third party's main frame by stored value card
S119 is transmitted the second Transaction Information to payment terminals main frame by third party's main frame
S121 is confirmed whether to check and approve transaction
S123 transmits transaction and completes information to stored value card and network trading end
S125 transmits Fail Transaction information to stored value card and network trading end.
Detailed description of the invention
For allowing the purpose of the present invention, feature and advantage that those of ordinary skill in the art can be made to be more readily understood, hereafter lift a preferred embodiment, and coordinate institute's accompanying drawings, be described in detail below.
Referring to the block chart that Fig. 1, Fig. 1 show the transaction system 100 of a preferred embodiment of the present invention, transaction system 100 includes portable apparatus 110, network trading end 120 and far-end payment system 130.In the present embodiment, portable apparatus 110 substantially smart mobile phone；In other embodiments, portable apparatus also can be substituted by other communicator, for instance has flat board (Tablet) computer of communication function.Portable apparatus 110 is held by consumer, and portable apparatus 110 has at least one telephone number.Being provided with stored value card 111 in portable apparatus 110, stored value card 111 can be used for network trading；In other embodiments, the application software that stored value card also can be had identical effect by other substitutes.The telephone number of described portable apparatus 110 is corresponding to stored value card 111, for instance, consumer can log in described telephone number in advance in stored value card 111.Network trading end 120 includes online store 121, and network trading end 120 is such as the network trading platform that seller is set up with soft and hardware, and online store 121 is such as framework certain shops on this network trading platform.Far-end payment system 130 includes third party's main frame 131 and payment terminals main frame 132, in the present embodiment, third party's main frame 131 is under the jurisdiction of neutral certification authority, payment terminals main frame 132 is under the jurisdiction of credit card issuing bank, neutral certification authority is such as independently of the third-party institution beyond telecom operators and issuing bank, establishes partnership, authentication mechanism and information transmission mechanism between itself and telecom operators, seller and issuing bank.When transaction system 100 is run, portable apparatus 110 and network trading end 120 are electrically connected with third party's main frame 131, more specifically, stored value card 111 and online store 121 are electrically connected with third party's main frame 131, and be not joined directly together between stored value card 111 and online store 121 and connect, third party's main frame 131 is electrically connected payment terminals main frame 132.
Refer to Fig. 2, Fig. 2 and show the method flow diagram that a preferred embodiment of the present invention is traded at network trading end 120 with stored value card 111, wherein, the method flow shown in Fig. 2 is the transaction system 100 shown in application drawing 1.In step S101, consumer in advance by corresponding for the telephone number of portable apparatus 110 to stored value card 111, namely telephone number is signed in stored value card 111 by consumer.In step s 103, consumer completes commodity shopping at the online store 121 of network trading end 120 and settles accounts, and namely inputs the first Transaction Information in network trading end 120, and wherein the first Transaction Information includes checkout product item and the amount of money.In step S105, network trading end 120 produces plural number and plants the option of mode of doing business for consumer's selection, and consumer selects to pay the bill with stored value card 111 at network trading end 120.Then carrying out step S107, network trading end 120 produces to be available for the field of input telephone number, and therefore consumer inputs described telephone number to network trading end 120.In step S109, network trading end 120 can produce Notice Of Transactions according to the telephone number of described correspondence to stored value card 111, Notice Of Transactions includes the data such as described telephone number, shop code and transaction number, and network trading end 120 can transmit third party's main frame 131 of the first Transaction Information and Notice Of Transactions to far-end payment system 130.
In step S111, third party's main frame 131 can first confirm Notice Of Transactions, in other words, after third party's main frame 131 confirms sender's identity and the transaction data of Notice Of Transactions, followed by carrying out step S113.In step S113, third party's main frame 131 can transmit first Transaction Information stored value card 111 to portable apparatus 110.In step sl 15, consumer's stored value card 111 on portable apparatus 110 receives the first Transaction Information, therefore by the stored value card 111 of portable apparatus 110, consumer can confirm that whether the content of the first Transaction Information is errorless, such as check checkout product item, the information such as quantity and the amount of money, if confirming errorless, then can select Payment Methods further, described Payment Methods are such as the near-field communication (Nearfieldcommunication that consumer logs in portable apparatus 110 in advance, NFC) safety element (Secureelement in chip, SE) virtual credit card in, but it is not limited to this.After person to be consumed selects Payment Methods and confirms payment, portable apparatus 110 can produce the second Transaction Information, wherein, second Transaction Information includes payment information and described first Transaction Information, and payment information includes the data such as credit card number, credit card Expiration Date and secure element authentication code (SEID).
In step S117, stored value card 111 transmits the second Transaction Information to third party's main frame 131 by portable apparatus 110, then step S119 is carried out, third party's main frame 131, according to the requirement of merchant bank (i.e. the issuing bank of the described credit card), transmits described second Transaction Information and to payment terminals main frame 132 and proposes transaction application.In step S121, the payment terminals main frame 132 of far-end payment system 130 can be confirmed whether to check and approve transaction, if checking and approving transaction, then then carry out step S123, payment terminals main frame 132 is notified that third party's main frame 131, third party's main frame 131 can be respectively transmitted transaction and complete information to stored value card 111 and network trading end 120, allows consumer and sale can learn transaction results；If not checking and approving transaction in step S121, then then carrying out step S125, payment terminals main frame 132 is notified that third party's main frame 131, third party's main frame 131 can be respectively transmitted Fail Transaction information to stored value card 111 and network trading end 120.
Although the present invention is disclosed above with preferred embodiment; but it is not intended to limit the present invention, any those skilled in the art, without departing from the spirit and scope of the present invention; can doing a little change and retouching, therefore protection scope of the present invention should be defined depending on claim and is as the criterion.
Claims (10)
1. the method being traded at network trading end with stored value card, including:
A corresponding telephone number is to this stored value card, and wherein, this telephone number corresponds to a communicator；
Input one first Transaction Information to this network trading end；
Input this telephone number to this network trading end；
Transmit this first Transaction Information to this stored value card；
This stored value card confirms this first Transaction Information and produces one second Transaction Information；
This second Transaction Information is transmitted to a far-end payment system by this stored value card；And
This far-end payment system is confirmed whether to check and approve transaction.
2. the method being traded at network trading end with stored value card as claimed in claim 1, wherein, confirms this first Transaction Information on this stored value card and produces the step of this second Transaction Information and farther include:
Selecting Payment Methods on this stored value card and produce this second Transaction Information, wherein, this second Transaction Information includes a payment information and this first Transaction Information.
3. the method being traded at network trading end with stored value card as claimed in claim 2, wherein, this far-end payment system includes third party's main frame and a payment terminals main frame, this stored value card and this network trading end are electrically connected with this third party's main frame, and this third party's main frame is electrically connected this payment terminals main frame.
4. the method being traded at network trading end with stored value card as claimed in claim 3, wherein, transmits this second Transaction Information to the step of this far-end payment system at this stored value card and farther includes:
This stored value card transmits this second Transaction Information to after this third party's main frame, and this third party's main frame transmits this second Transaction Information to this payment terminals main frame.
5. the method being traded at network trading end with stored value card as claimed in claim 4, wherein, this far-end payment system is confirmed whether that the step checking and approving transaction farther includes:
This payment terminals host acknowledgement notifies this third party's main frame after whether checking and approving transaction.
6. the method being traded at network trading end with stored value card as claimed in claim 5, wherein, this far-end payment system is confirmed whether that the step checking and approving transaction farther includes:
If transaction checked and approved by this payment terminals main frame, this third party's main frame is respectively transmitted a transaction and completes information to this stored value card and this network trading end；And
If transaction do not checked and approved by this payment terminals main frame, this third party's main frame is respectively transmitted a Fail Transaction information to this stored value card and this network trading end.
7. the method being traded at network trading end with stored value card as claimed in claim 3, wherein, inputs this telephone number and farther included before the step in this network trading end:
Select to pay the bill with this stored value card at this network trading end.
8. the method being traded at network trading end with stored value card as claimed in claim 7, wherein, inputs this telephone number and farther includes after the step in this network trading end:
Transmit a Notice Of Transactions that this first Transaction Information and this network trading end produce to this third party's main frame；
Wherein, when after this this Notice Of Transactions of third party's host acknowledgement, this third party's main frame transmits this first Transaction Information to this stored value card.
9. the method being traded at network trading end with stored value card as claimed in claim 1, wherein, this communicator includes a portable apparatus, and this stored value card is arranged in this portable apparatus.
10. the method being traded at network trading end with stored value card as claimed in claim 9, wherein, this portable apparatus substantially smart mobile phone, this telephone number is corresponding to this smart mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410755065.7A CN105741113A (en) | 2014-12-11 | 2014-12-11 | Method for transaction at network transaction terminal by using electronic wallet |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410755065.7A CN105741113A (en) | 2014-12-11 | 2014-12-11 | Method for transaction at network transaction terminal by using electronic wallet |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105741113A true CN105741113A (en) | 2016-07-06 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410755065.7A Pending CN105741113A (en) | 2014-12-11 | 2014-12-11 | Method for transaction at network transaction terminal by using electronic wallet |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110832520A (en) * | 2018-06-07 | 2020-02-21 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction equipment |
| CN110945553A (en) * | 2018-06-07 | 2020-03-31 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction equipment |
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| CN1908981A (en) * | 2005-08-01 | 2007-02-07 | 富士通株式会社 | Wireless computer wallet for physical point of sale (pos) transactions |
| CN101853453A (en) * | 2009-04-03 | 2010-10-06 | 中兴通讯股份有限公司 | System and method for realizing mobile payment |
| TW201314599A (en) * | 2011-09-28 | 2013-04-01 | Hon Hai Prec Ind Co Ltd | Pay system and method of mobile device |
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Patent Citations (4)
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| CN1346205A (en) * | 2000-03-24 | 2002-04-24 | 莫比培国际公司 | System for realizing reat-time long distance payment and business by mobile telephone and treating method |
| CN1908981A (en) * | 2005-08-01 | 2007-02-07 | 富士通株式会社 | Wireless computer wallet for physical point of sale (pos) transactions |
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| TW201314599A (en) * | 2011-09-28 | 2013-04-01 | Hon Hai Prec Ind Co Ltd | Pay system and method of mobile device |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110832520A (en) * | 2018-06-07 | 2020-02-21 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction equipment |
| CN110945553A (en) * | 2018-06-07 | 2020-03-31 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction equipment |
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