CN1591499A - Method for acknowledging payment after buying by friend in foreign area by cell phone - Google Patents
Method for acknowledging payment after buying by friend in foreign area by cell phone Download PDFInfo
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- CN1591499A CN1591499A CN 03140304 CN03140304A CN1591499A CN 1591499 A CN1591499 A CN 1591499A CN 03140304 CN03140304 CN 03140304 CN 03140304 A CN03140304 A CN 03140304A CN 1591499 A CN1591499 A CN 1591499A
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Abstract
The present invention relates to a method capable of allowing friend who is not by self side as payer agent to confirm payment after purchase and consumption. Said method by that after purchase and consumption, when the consumer has no money for payment, said consumer can request another person, for example, friend to pay money for buying goods and consumption for him. After the another person (herein after referred to as payer agent) consents to his request, the consumer can tell the shopkeeper about bank account number (or bank card number) of payer agent, then the shopkeeper can send the payment information into the bank of deposit of payer agent, and said bank can send the payment information into the mobile telephone of payer agent, said payer agent can utilize the mobile telephone to confirm or reject said payment information. According to the payment information confirmed by payer agent the bank of deposit of player agent can notify it to shopkeeper, if the transaction of the payment information confirmed by payer agent is successful, the correspondent sum of money can be transferred into the shopkeeper account from payer agent account by means of bank of deposit of payer agent.
Description
TECHNICAL FIELD OF THE INVENTION
The present invention relates to utilize the communication field of mobile phone and the clearing record keeping field of payment payment.
The technical background of invention
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
Goal of the invention
The development of modern science and technology makes the present various payment and settlement modes that occurred, and provides convenience for the consumer.But, when a consumer can't pay the bill because of some reason after purchase and consumption, need other people to remit money usually or in person cash sent here, length not only consuming time, and trouble very on behalf of payment.So, inventing the very necessary on behalf of the method for payment of a kind of not only convenient but also safety by other people, the present invention is exactly in order to reach above purpose.
Summary of the invention
The present invention is based on the development of The present computer technology and modern communications technology.
Be the convenience in the statement, this instructions can be referred to as businessman to the unit that the consumer collects fund, as units such as shopping, the market of consuming, hotel, hotel are provided to the paying agent.Be called the paying agent with being willing to mean the consumer on behalf of other people of payment, the paying agent can be consumer's relative, friend, leader and colleague etc.The paying agent bank of deposit can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the paying agent.Bank card comprises that having of various issued by banks such as debit card, credit card, credit card withdraw the money, do shopping and the card of function such as consumption.
Method of the present invention mainly comprises the steps:
A, consumer after purchase and consumption, request not at one's side paying agent on behalf of payment;
B, paying agent agree the request of consumer on behalf of payment;
C, consumer with paying agent's Bank Account Number or bank card number in interior information notification businessman;
D, businessman send to the paying agent bank of deposit and require from the corresponding fund of payment in paying agent's bank account to the payment information of merchant account;
After businessman's payment information and identification are received by e, the paying agent bank of deposit, immediately in the mode of voice message phone to paying agent's mobile phone Sending Payments information, the request paying agent confirms or refusal;
F, paying agent utilize mobile phone payment information is confirmed or to be refused and feed back the paying agent bank of deposit;
After paying agent's confirmation is received by g, the paying agent bank of deposit, change corresponding fund over to merchant account, and money has been received appropriate information send to businessman from paying agent account;
After h, businessman receive that bank's money has been received appropriate information, treat as the consumer and paid corresponding fund.
In the method, after the Transaction Success, the paying agent bank of deposit can be to the notice of paying agent's mobile phone Sending Payments success;
The present invention is further illustrated below by drawings and Examples:
The step of process description the inventive method of Figure of description
A, consumer Wang Xiaojie Rolex brand shop of businessman buy one be worth 58888 yuan Rolex watch after, Sorry, your ticket has not enough value can not pay the wrist-watch fund because of bank card.This moment, she remembered friend Mr. Huang, so make a phone call or send out SMS and give Mr. Huang, request Mr. Huang is on behalf of the wrist-watch fund of 58888 yuan of payments;
B, paying agent Mr. Huang agree the wrist-watch fund on behalf of 58888 yuan of payments, inform own Shenzhen agricultural bank card number 95,599 8,008 51,738 70115 simultaneously;
C, consumer Wang Xiaojie inform Rolex brand shop of businessman with paying agent Mr. Huang Shenzhen agricultural bank card number 955,998,008 51,738 70115;
D, Rolex brand shop of businessman send the payment information that requires to pay 58888 yuan of Rolex brand shop consumption money Renminbi in paying agent Mr. Huang bank card 95,599 8,008 51,738 70115 accounts to Shenzhen agricultural bank of the paying agent bank of deposit;
After in a single day e, Shenzhen agricultural bank of the paying agent bank of deposit receive businessman's payment information and identification, Mobile Directory Number 13902966788 according to the original registration of Mr. Huang, mode with voice message phone sends the payment information of whether agreeing to pay 58888 yuan of Renminbi to Mr.'s Huang mobile phone, and the request paying agent confirms or refusal;
After receiving calls, f, Mr. Huang utilize mobile phone payment information is confirmed or to be refused and feed back Shenzhen agricultural bank; On phone, confirm payment as Mr. Huang, or refuse payment by refusal password 44 by affirmation password 88; In the time of agreement, do not confirm in 5 seconds that as Mr. Huang then bank can be considered it and refuses payment;
After Mr.'s Huang confirmation is received by g, Shenzhen agricultural bank, in paying agent's bank card 95,599 8,008 51,738 70115 accounts, change 58888 yuan of corresponding fund Renminbi over to Rolex brand shop of businessman account, and will confirm that payment information sends to Rolex brand shop of businessman.As " 58888 yuan of moneys of Renminbi have been received appropriate ", otherwise send refusal information " paying agent refuses payment " or the like;
H, Shenzhen agricultural bank of the paying agent bank of deposit are to the notice of paying agent Mr. Huang mobile phone 13902966788 Sending Payments successes; " on July 7th, 2003 13:10 branch, you account reduces 58888 yuan of Renminbi, 580 yuan of balance in hand Renminbi as SMS notice.”
I, Rolex brand shop of businessman obtain money received appropriate information after, treat as consumer Wang Xiaojie and paid corresponding fund, agree that Miss Wang takes Rolex watch away.
Claims (3)
1, after a kind of purchase and consumption by at one's side his human mobile phone is not on behalf of the method for confirming payment, this method comprises the steps:
A, consumer after purchase and consumption, request not at one's side paying agent on behalf of payment;
B, paying agent agree the request of consumer on behalf of payment;
C, consumer with paying agent's Bank Account Number or bank card number in interior information notification businessman;
D, businessman send to the paying agent bank of deposit and require from the corresponding fund of payment in paying agent's bank account to the payment information of merchant account;
After businessman's payment information and identification are received by e, the paying agent bank of deposit, immediately in the mode of voice message phone to paying agent's mobile phone Sending Payments information, the request paying agent confirms or refusal;
F, paying agent utilize mobile phone payment information is confirmed or to be refused and feed back the paying agent bank of deposit;
After paying agent's confirmation is received by g, the paying agent bank of deposit, change corresponding fund over to merchant account, and will confirm that payment information sends to businessman from paying agent account;
After bank's confirmation is received by h, businessman, treat as the consumer and paid corresponding fund.
2, according to claim 1, after the Transaction Success, the paying agent bank of deposit can be to the notice of paying agent's mobile phone Sending Payments success;
3, according to claim 1, the paying agent bank of deposit can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the paying agent.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140304 CN1591499A (en) | 2003-08-28 | 2003-08-28 | Method for acknowledging payment after buying by friend in foreign area by cell phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140304 CN1591499A (en) | 2003-08-28 | 2003-08-28 | Method for acknowledging payment after buying by friend in foreign area by cell phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1591499A true CN1591499A (en) | 2005-03-09 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03140304 Pending CN1591499A (en) | 2003-08-28 | 2003-08-28 | Method for acknowledging payment after buying by friend in foreign area by cell phone |
Country Status (1)
| Country | Link |
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| CN (1) | CN1591499A (en) |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254259A (en) * | 2010-05-21 | 2011-11-23 | 英特尔公司 | Method and device for conducting trusted remote payment transactions |
| CN103620631A (en) * | 2011-06-15 | 2014-03-05 | 徕弗谷德 | Electronic commercial method and system using a personal webpage having a price barcode |
| CN103824187A (en) * | 2012-11-16 | 2014-05-28 | 雅虎公司 | Online transaction method |
| CN104463450A (en) * | 2014-11-28 | 2015-03-25 | 小米科技有限责任公司 | Order processing method and device |
| WO2015096399A1 (en) * | 2013-12-23 | 2015-07-02 | Tencent Technology (Shenzhen) Company Limited | System and method for mobile payment authentication |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能***有限公司 | Consumption authorization method and system |
| CN106209953A (en) * | 2015-05-08 | 2016-12-07 | 阿里巴巴集团控股有限公司 | The processing method of sequence information, Apparatus and system |
| CN106682888A (en) * | 2015-11-09 | 2017-05-17 | 阿里巴巴集团控股有限公司 | Business information processing method and processing device |
| CN107180344A (en) * | 2017-03-30 | 2017-09-19 | 腾讯科技（深圳）有限公司 | For recharge method, device and system |
| CN108229949A (en) * | 2016-12-21 | 2018-06-29 | 天脉聚源（北京）科技有限公司 | A kind of internet shopping mobile terminal pays out the method and system of money |
| CN108596589A (en) * | 2018-04-27 | 2018-09-28 | 张泽英 | Buy method of payment and device |
| CN111583028A (en) * | 2020-05-08 | 2020-08-25 | 孙颐 | Method and system for processing entrusted withdrawal business |
| US11042915B2 (en) | 2014-09-25 | 2021-06-22 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
| CN114493601A (en) * | 2013-07-01 | 2022-05-13 | 富士胶片商业创新有限公司 | Information processing apparatus |
-
2003
- 2003-08-28 CN CN 03140304 patent/CN1591499A/en active Pending
Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254259A (en) * | 2010-05-21 | 2011-11-23 | 英特尔公司 | Method and device for conducting trusted remote payment transactions |
| US11935030B2 (en) | 2010-05-21 | 2024-03-19 | Intel Corporation | Method and device for conducting trusted remote payment transactions |
| US9665864B2 (en) | 2010-05-21 | 2017-05-30 | Intel Corporation | Method and device for conducting trusted remote payment transactions |
| CN103620631A (en) * | 2011-06-15 | 2014-03-05 | 徕弗谷德 | Electronic commercial method and system using a personal webpage having a price barcode |
| CN103824187A (en) * | 2012-11-16 | 2014-05-28 | 雅虎公司 | Online transaction method |
| CN114493601A (en) * | 2013-07-01 | 2022-05-13 | 富士胶片商业创新有限公司 | Information processing apparatus |
| WO2015096399A1 (en) * | 2013-12-23 | 2015-07-02 | Tencent Technology (Shenzhen) Company Limited | System and method for mobile payment authentication |
| US11861670B2 (en) | 2014-09-25 | 2024-01-02 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
| US11042915B2 (en) | 2014-09-25 | 2021-06-22 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
| CN104463450A (en) * | 2014-11-28 | 2015-03-25 | 小米科技有限责任公司 | Order processing method and device |
| CN106209953B (en) * | 2015-05-08 | 2020-06-26 | 阿里巴巴集团控股有限公司 | Order information processing method, device and system |
| CN106209953A (en) * | 2015-05-08 | 2016-12-07 | 阿里巴巴集团控股有限公司 | The processing method of sequence information, Apparatus and system |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能***有限公司 | Consumption authorization method and system |
| CN105046492B (en) * | 2015-07-10 | 2022-04-05 | 苏州海博智能***有限公司 | Authorized consumption method and system |
| CN106682888B (en) * | 2015-11-09 | 2021-03-23 | 阿里巴巴集团控股有限公司 | Service information processing method and processing device |
| CN106682888A (en) * | 2015-11-09 | 2017-05-17 | 阿里巴巴集团控股有限公司 | Business information processing method and processing device |
| CN108229949A (en) * | 2016-12-21 | 2018-06-29 | 天脉聚源（北京）科技有限公司 | A kind of internet shopping mobile terminal pays out the method and system of money |
| CN107180344A (en) * | 2017-03-30 | 2017-09-19 | 腾讯科技（深圳）有限公司 | For recharge method, device and system |
| CN108596589A (en) * | 2018-04-27 | 2018-09-28 | 张泽英 | Buy method of payment and device |
| CN111583028A (en) * | 2020-05-08 | 2020-08-25 | 孙颐 | Method and system for processing entrusted withdrawal business |
| CN111583028B (en) * | 2020-05-08 | 2024-01-23 | 孙颐 | Entrusted withdrawal service processing method and system |
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