CN1658204A

CN1658204A - Electronic payment method and system for implementing the electronic payment method

Info

Publication number: CN1658204A
Application number: CN 200410016399
Authority: CN
Inventors: 陈伟杰
Original assignee: Individual
Current assignee: Individual
Priority date: 2004-02-17
Filing date: 2004-02-17
Publication date: 2005-08-24

Abstract

An electronic paying method. The mobile users can link to the data administrating platform through transmission net. The client terminal can be linked to the data administrating platform through transmission net or can directly linked to the financial electronic system through the transmission net that agrees with the safety authentication. The data administrating platform is connected with the financial electronic system through the transmission net that agrees with the safety authentication. The mobile user, the client terminal, the data administrating platform and the financial electronic system communicates with each other in a certain step so that the data administrating system platform can combine all the sides' paying request and/or replying information into data information, and the information is transferred to the financial electronic system. Its characteristics are that the associated database, which links with the mobile user and the client terminal and their financial accountants, is set in the financial electronic system to finish financial business. As a result, the data administrating system platform just needs to deal with and integrate the data information. A system that realizes electronically payment is also disclosed. The advantages are safety, convenient use and facility.

Description

The system of a kind of electric paying method and this electric paying method of realization

Technical field

The systems technology field that the present invention relates to the electric paying method in financial business and the commerce and trade and realize electric paying method.

Background technology

Mobile communication has entered the great development stage since 1990's, whole world number of users turns over every year, particularly calendar year 2001 by the end of July, China's mobile communication subscriber reaches more than 100,000,000 2 thousand ten thousand, surpass the U.S. and become the world's strongest nation, so along with the mobile communication development, radio communication comes into one's own day by day, its status is also more and more important, application is also more and more wider, for this reason, method and its dedicated system of having a lot of inventors to design and develop to utilize mobile communication to pay by mails, hope provides a kind of fast method of payment easily for us, it makes full use of the convenience of mobile communication exchange message, fast, with low cost, advantages such as the use user is huge, so everybody has reason to believe in the near future, uses mobile communication mobile phone to realize paying by mails, becomes a kind of conventional means that people carry on trade and buy and sell.

But anything all has dual character, utilize mobile communication to realize paying by mails and no doubt have above-mentioned lot of advantages, but we can not consider some safety issues of paying by mails, online payment as present use, though the developer has set in advance a lot of security means, but skillful hacker still can break through some firewall technologys of scientific and technical personnel or utilization " program trap " to be deceived to such an extent that user's identity information destroys, so any its safety issue of electronic payment mode of mobile communication exchange message of utilizing is very important and urgent, even can influences on its market and apply.Whether in addition, electronic payment mode also needs to consider the financial rules of various countries, allow to operate like this, though otherwise technically be able to stand all tests very much, but run counter to national financial rules or system, still all in vain in the end, can not obtain excellent popularization and implement.Also to consider at last new electronic payment mode can comprise present multiple financial payment professional as account transfer, remittance, enchashment gold, withhold, online payment, purchase article or the like, people can be widely used in real life.As the patent No. is the Chinese patent application " method of mobile payment and system thereof " of 01139885.X, and the method for its disclosed a kind of mobile payment comprises step 1: the customer transaction terminal sends payment request information by wireless communication networks to mobile financial services transactions center; Step 2: the payment request information that mobile financial services transactions center receives and the process user transaction terminal sends, and the validity of validation of payment; Step 3: mobile financial services transactions center and transaction terminal equipment and the commercial bank operation of concluding the business; The present invention utilizes the one number of customer transaction terminal, and is related with account No. by mobile financial services transactions center, provides multiple business to accept approach to the customer transaction terminal; Be suitable for all customer transaction terminals; The user only needs to import corresponding Transaction Information and can conclude the business on the customer transaction terminal, Transaction Information is encrypted the safety that has guaranteed account and transaction; Transaction terminal equipment can be activated by mobile financial services transactions platform by the information that the customer transaction terminal is sent, just there is tangible safety issue in it, in step 2 in order to test the validity of just paying, trade both sides' identity and account No. separately need be associated, so the mobile financial services transactions central potential on public communication network must will keep trade both sides' the identity database related with account No. separately, can bring a serious consequence like this, in trade both sides' exchange session affirmation process, the account No. data and the identity data of need to be keep secret are exposed in face of the hacker, the as easy as rolling off a log attack that is subjected to them, in case broken through by them, consequence is hardly imaginable, identity code is carried out related on the data management system platform with account number in addition, its security is still good inadequately, makes hacker or stealer decode identity code, is easy to stride across the data management system platform and attacks financial institution, carry out the duplicity illegal operation, gain the trust of financial institution by cheating; On the other hand, the financial system of various countries and rules all have regulation at large, account No. can not be arranged on the public communication network, non-bank financial institution can not illegally obtain to relate to the account No. of private property of individuals information, therefore these electric paying methods are difficult to obtain the permission of country, so remain problem legally, can't be applied at present; Secondly, the electric paying method of above-mentioned patented claim, be to lack both sides' interaction, in in step 3, the mobile subscriber need import account No. on customer terminal equipment, password, can't link up or exchange with the seller who holds customer terminal equipment once more, revise the amount of money as needs, commodity number or the like, and trade both sides' mobile subscriber must just can finish E-Payment before customer terminal equipment, so having limited this E-Payment widely uses, as very practical strange land payment, the strange land account transfer, strange land remittance or the like, in its tangible life, particularly online The rise of electronic commerce, a lot of trades are that finish in the strange land, as mail-order, air ticket books a train ticket, check out, shopping online, the dinner party etc. of making hotel reservations very needs a kind of facility, fast, the strange land electronic payment mode of safety, and the electric paying method of above-mentioned patented claim has been lived these some application limitations, so also need to do further improvement; In addition, the legal authenticity problem of transaction need be verified in the financial services transactions center, accept the application materials of mobile subscriber and client terminal, its mobile subscriber's identity and its account No. are associated, the user needs individualism for convenience, certainly will cause its various places to carry out many places and be provided with, increase operating cost, also needed to do further reform; Be 00806483.0 Chinese patent " electric paying method and adopt the system of this method " also just like number of patent application, this kind electric paying method, it involves first said " user " physical mechanism, he has installed first telephone plant, also involve second said " businessman " physical mechanism, he has installed second communication facilities, the method is characterized in that, subscriber equipment is a kind of mobile telephone equipment, its feature is that also it involves the 3rd entity of said " operator's console path gateway " in addition again, he has installed the 3rd communication facilities can set up get in touch (communication line) with merchant device, and the telephone communication circuit of foundation and user's mobile device, the method comprises following exchange between three structural establishments: a) businessman sends the data that can determine to provide service quotation to gateway, particularly have the total charge that the user will pay, and increased the recognition data of businessman for these data, b) gateway authentication businessman, and the supply quote data is converted to the message that is suitable for user's mobile device performance, and the verify data of this message and gateway sent to the user, c) authentification of user gateway, and the total charge that service is provided of protocol message and permission bank paying is returned to this gateway, d) gateway authentication user, it is possible checking payment, and send a kind of message to businessman, this message specifies the total value that provides can pay fully, its advantage is the interactivity defect of insufficient that has overcome the patented claim in front, but still there is the security significant problem, need authenticate bank's card number as gateway, and bank's card number is recorded in the database of gateway, also can cause and relate to each one database of proprietary and be subjected to assault, especially database is more dangerous on common network, so security is to have similar problem, also there is the legality problem in addition, also have because it adopts short message way, certainly will cause it to need special TDK card or user authentication card, cause mobile phone and client terminal to need special card, having limited the mobile subscriber uses easily, also bring simultaneously negative effect, in case TDK card or user authentication card have been lost, the mobile subscriber can not have been used, so these aspects also need to do the improvement that makes new advances.

Also have on the one hand, come into people's life and scientific-technical progress along with large supermarket, people propose the self-service notion, as utilizing cashing machine to collect money automatically at EXIT, do not need professional's small change work of collecting money, so electronic payment mode recited above just can not adapt to this demand, also limited it and further applied.And this self-serving electronic payment mode because advantage such as easy to use, quick, convenient, with low cost more and more had an optimistic view of by vast supermarket, businessman and mobile subscriber.

Summary of the invention

Primary technical matters to be solved by this invention is to provide a kind of electric paying method at prior art, the account No. that it has avoided relating to personal property information is exposed to the problem that is subjected to assault on the public network easily, the security of E-Payment is more increased, make the wireless electron payment system can satisfy the requirement of national financial rules simultaneously, and the interactivity that makes the trade both sides improves and strengthens, and makes this electric paying method have good security, actuality and practicality.

Another technical matters to be solved by this invention is to provide a kind of electric paying method at prior art, it is the wireless electron modes of payments under a kind of self-service occasion, be particularly suitable for uses such as large supermarket, businessman, give full play of convenient, fast, convenient, the with low cost advantage of wireless electron payment.

Another technical matters to be solved by this invention is the system that a kind of above-mentioned electronic payment mode of realization simple, that implement easily is provided at prior art.

The present invention solves the technical scheme that above-mentioned primary technical matters adopts: a kind of electric paying method, it includes the mobile subscriber, client terminal, the data management system platform, the Electronic Finance system of financial institution, the mobile subscriber links by communication network and data management system platform, client terminal links by communication network and data management system platform or/and directly the communication network of any communication modes by meeting safety certification and the Electronic Finance system of financial institution link, the communication network of any communication modes of data management system platform by meeting safety certification and the Electronic Finance system of financial institution link, trade both sides' mobile subscriber and client terminal have at least a side will send payment request information, and make the mobile subscriber, client terminal, the data management system platform, the communication steps that the Electronic Finance system of financial institution intercoms mutually by above-mentioned communication network, make the data management system platform that trade both sides' the mobile subscriber and/or the payment request information and/or the answer information processing of client terminal are integrated into data message, be transferred to the Electronic Finance system of financial institution by communication network, make the Electronic Finance system can be according to data message, between mobile subscriber and client terminal, finish account transfer or transfer or withhold or pay or the financial business of remittance or enchashment gold, be characterised in that the linked database that the financial account number between relevant trade both sides' mobile subscriber and client terminal and they are separately associates is arranged in the Electronic Finance system of financial institution, make the data management system platform need not to carry out related with client terminal with their account numbers separately trade both sides' mobile subscriber, only be to handle or/and integration trade both sides' the mobile subscriber and the payment request information and/or the answer information of client terminal become data message, and in the Electronic Finance system of financial institution, by described linked database, trade both sides' mobile subscriber and client terminal and the account number between them are carried out related, and carry out safety certification process.

The present invention solves the technical scheme that above-mentioned another technical matters adopts: on the basis of technique scheme, communicate by the short-distance wireless communication agreement between described mobile subscriber and the client terminal, it provides the wireless electron modes of payments under a kind of self-service occasion or the mode of unmanned management, be particularly suitable for using on the input-output device such as large supermarket, businessman, bank's cabinet-type air conditioner, give full play of convenient, fast, convenient, the with low cost advantage of wireless electron payment.

The improvement that is highly profitable is, have between above-mentioned data management system platform and the financial institution and represent the feature field of its identity code to shine upon related agreement separately trade both sides' mobile subscriber identifier sign indicating number and client terminal identity code and they, this agreement can be to upgrade automatically agreement such as each hour of a kind of dynamic change in the time of necessary, make the Electronic Finance system of financial institution carry out related with its each side's account number like this by the feature field of its identity of trade representatives from both sides, realization trade both sides' mobile subscriber and client terminal and their account numbers are separately carried out operation associated, it further improves the security of electronic payment mode, make the stealer stealing obtain the identity code of mobile subscriber or client terminal, also can't obtain its account, make the hacker be difficult to cross over the data management system platform and palm off mobile subscriber/client terminal and attack financial institution, carry out the duplicity operation.

Useful is, above-mentioned communication steps can have diversified pattern according to the setting and the information flow direction of communication network number, and wherein pattern one is:

(1) the trade both sides of mobile subscriber and client terminal have at least a square tube to cross communication network to send payment request information to the data management system platform;

(2) this payment request information is accepted and handled to the data management system platform, if folk prescription is mentioned Payment Request, the data management system platform can directly be handled this payment request information, also can be at least also will transmit this payment request information actively or passively to the opposing party, make its affirmation that obtains the opposing party, accept the answer information that the opposing party returns then; If both sides mention Payment Request, the data management system platform can directly be handled payment request information, also can be to transmit payment request information actively or passively to each side, makes its affirmation that obtains each side, accepts the answer information that each side returns then;

(3) the data management system platform with the payment request information of each side or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification sends data message to the Electronic Finance system of financial institution then, and data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, feature field, dealing money and the authentication security sign indicating number of reflection client terminal identity code at least;

(4) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to the data management system platform;

(5) the data management system platform returns transaction results information by communication network to the trade both sides;

This pattern financial function has: account transfer, payment, remittance can be useful on the occasions such as medium and small market, individual fund dealing, online transaction;

Wherein pattern two is:

(1) mobile subscriber sends payment request information by communication network to the data management system platform;

(2) this payment request information is accepted and handled to the data management system platform, simultaneous verification is examined the legitimacy and the client terminal of mobile subscriber identifier and whether has been registered the business of E-Payment by mails, if do not have, the data management system platform returns transaction results information to trade both sides' related side, if have, enter next step;

(3) the data management system platform sends the Financial Information of client terminal actively or passively to the mobile subscriber;

(4) mobile subscriber imports dealing money and authentication security sign indicating number as answer information under program designation, sends to the data management system platform;

(5) the data management system platform is handled payment request information and answer information and integrate, send data message by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, feature field, dealing money and the authentication security sign indicating number of reflection client terminal identity code at least;

(6) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to the data management system platform;

(7) the data management system platform returns transaction results information by communication network to the trade both sides; This pattern financial function has: account transfer, remittance, enchashment gold can be useful in shopping online, individual's remittance, extract on the occasions such as cash, ATM;

Wherein pattern three is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, its mobile subscriber identifier sign indicating number will be transferred to client terminal actively or passively at least, and client terminal sends payment request information by communication network to the data management system platform;

(2) the data management system platform is accepted and can directly be handled payment request information, also can be to transmit this payment request information actively or passively to the mobile subscriber, make its affirmation that obtains the mobile subscriber, accept the answer information that it returns then, handle this payment request information again; This step also can be, the data management system platform is accepted this payment request information, and transmit mobile subscriber's Financial Information to client terminal, the mobile subscriber imports dealing money and authentication security sign indicating number on client terminal, as answer information, client terminal sends mobile subscriber's answer information to the data management system platform by communication network then;

(3) the data management system platform with payment request information or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification sends data message to the electronic banking system of financial institution then, and data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, feature field, dealing money and the authentication security sign indicating number of reflection client terminal identity code at least;

(4) the electronic banking system of financial institution accepts data message, carry out related with their account No.s separately the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to the data management system platform;

The financial function of this pattern has: transfer accounts, pay, withdraw the money; Go on the occasions such as mega-store, bank, self-service, ATM;

Wherein pattern four is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, the mobile subscriber is transferred to the mobile subscriber identifier sign indicating number on the client terminal actively or passively, and the communication network of any communications protocol of client terminal by meeting safety certification sends payment request information to the Electronic Finance system of financial institution;

(2) the Electronic Finance system of the financial institution information that accepts request, the communication network of any communications protocol by meeting safety certification sends the identity verification solicited message to the data management system platform;

(3) after the data management system platform is accepted the identity verification solicited message, examine trade both sides' legitimacy, whether registered the business of E-Payment by mails, if do not have, the data management system platform returns transaction results information to trade both sides' related side, if have, send confirmation to the Electronic Finance system of financial institution by communication network;

(4) the Electronic Finance system of financial institution obtains confirmation, sends to client terminal by communication network and confirms instruction;

(5) mobile subscriber on client terminal the input authentication security code or/and dealing money as answer information, client terminal sends answer information by communication network to the Electronic Finance system of financial institution;

(6) the Electronic Finance system handles of financial institution and integration payment request information and answer information and confirmation, and from confirmation, parse feature field that reflects the mobile subscriber identifier sign indicating number and the feature field that reflects the client terminal identity code, the feature field that will reflect the mobile subscriber identifier sign indicating number then, the feature field of reflection client terminal identity code is carried out related with their account No.s separately, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to data management system platform or client terminal;

(7) the data management system platform returns transaction results information or client terminal returns the trade object information by the short-distance wireless communication agreement to the mobile subscriber by communication network to the trade both sides; The financial function of this pattern has: pay, withdraw the money; Go on the occasions such as mega-store, bank, self-service, ATM, POS machine;

Wherein pattern five is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least its mobile subscriber identifier sign indicating number to be transferred to client terminal actively or passively, the mobile subscriber accepts the dealing money information of returning of client terminal more then, confirm back input authentication security code, go to client terminal by the short-distance wireless communication protocol transmission, client terminal sends payment request information by communication network to the data management system platform;

(2) the data management system platform is accepted and can directly be handled payment request information, also can be to transmit this payment request information to the mobile subscriber, makes its affirmation again that obtains the mobile subscriber, accepts the answer information that it returns then;

(4) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the feature field of mobile subscriber identifier sign indicating number, the feature field of client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to the data management system platform;

Wherein pattern six is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least its mobile subscriber identifier sign indicating number to be transferred to client terminal actively or passively, the mobile subscriber accepts the dealing money information that client terminal returns again then, confirm back input authentication security code, be transferred to client terminal again by the short-distance wireless communication agreement, the communication network of any communication modes of client terminal by meeting safety certification sends the data message that comprises Payment Request to the Electronic Finance system of financial institution;

(2) the Electronic Finance system of financial institution accepts data message, parse mobile subscriber identifier sign indicating number, client terminal identity code, dealing money and authentication security sign indicating number, carry out related with their account No.s separately mobile subscriber identifier sign indicating number, client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and the communication network of any communication modes of transaction results information by meeting safety certification turned back to client terminal, finish electronic payment process;

Wherein pattern seven is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least its mobile subscriber identifier sign indicating number to be transferred to client terminal, client terminal sends the data message that comprises Payment Request by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution, the data message of Payment Request comprises mobile subscriber identifier sign indicating number, telephone number and client terminal identity code at least, the data message of Payment Request can comprise dealing money information simultaneously, also can not comprise dealing money information;

(2) the Electronic Finance system of financial institution accepts data message, resolve the back and obtain mobile subscriber identifier sign indicating number, client terminal identity code, send request authentication information by the communication network that meets any communication modes of safety certification to the data management system platform simultaneously, request authentication information comprises mobile subscriber identifier sign indicating number and telephone number at least;

(3) the data management system platform is accepted this request authentication information, transmits this request authentication information by communication network to the mobile subscriber, makes its affirmation that obtains the mobile subscriber, accepts the answer information that it returns then;

(4) the data management system platform is handled the request authentication information and the answer information of each side and integrate, send verify data information by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, verify data information comprises authentication security sign indicating number and mobile subscriber identifier sign indicating number at least;

(5) the Electronic Finance system of financial institution accepts verify data information, parse authentication security sign indicating number and mobile subscriber identifier sign indicating number, the mobile subscriber identifier sign indicating number that the data message of the Payment Request that authentication security sign indicating number and client terminal are sent comprises, the client terminal identity code, dealing money carries out correspondence and integrates related, and then with the mobile subscriber identifier sign indicating number, the client terminal identity code is carried out related with their account No.s separately, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to data management system platform or client terminal;

(6) client terminal returns transaction results information by communication network to the mobile subscriber by short-range radio communications or data management system platform;

Wherein pattern eight is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least the client terminal identity code to be transferred on mobile subscriber's the mobile phone, better can also comprise dealing money, after the mobile subscriber confirms, the mobile subscriber sends payment request information by communication network to the data management system platform, payment request information comprises mobile subscriber identifier sign indicating number, client terminal identity code, dealing money and authentication security sign indicating number at least, and carries out encryption;

(2) the data management system platform is accepted and can directly be handled payment request information, also can be to transmit this payment request information to client terminal again, makes its affirmation again that obtains client terminal, accepts the answer information that it returns then;

(4) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to data management system platform or client terminal;

(5) the data management system platform returns transaction results information or client terminal returns the trade object information by the short-distance wireless communication agreement to the mobile subscriber by communication network to the trade both sides;

Wherein pattern nine is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least the client terminal identity code to be transferred on mobile subscriber's the mobile phone, better can also comprise dealing money, after the mobile subscriber confirms, the mobile subscriber sends payment request information by communication network to the data management system platform, payment request information comprises the mobile subscriber identifier sign indicating number at least, the client terminal identity code, dealing money and authentication security sign indicating number, and carry out encryption, simultaneously client terminal also the communication network of any communication modes by meeting safety certification send data message to the Electronic Finance system of financial institution, this data message comprises the client terminal identity code at least, preferably can also include dealing money;

(2) can directly handle the communication network of payment request information and any communication modes by meeting safety certification this payment request information of Electronic Finance system forwards after the data management system platform is accepted to financial institution, also can be to transmit this payment request information to client terminal again, make it obtain the affirmation again of client terminal, accept the answer information that it returns then, the data management system platform with the payment request information of each side or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification sends data message to the Electronic Finance system of financial institution then, and data message comprises the feature field of reflection mobile subscriber identifier sign indicating number at least, the feature field of reflection client terminal identity code, the authentication security sign indicating number;

(3) the Electronic Finance system of financial institution accepts each side's data message, and with their processing and integration, to reflect that then the feature field of mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code carry out related with their account No.s separately, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to data management system platform or client terminal;

(4) the data management system platform returns transaction results information or client terminal returns the trade object information by the short-distance wireless communication agreement to the mobile subscriber by communication network to the trade both sides;

Wherein pattern ten is:

(1) the client terminal both sides of mobile subscriber and financial sector have at least a square tube to cross communication network to send payment request information to the data management system platform;

(2) this payment request information is accepted and handled to the data management system platform, if folk prescription is mentioned Payment Request, the data management system platform can directly be handled this payment request information, also can be at least also will transmit this payment request information to the opposing party, make its affirmation that obtains the opposing party, accept the answer information that the opposing party returns then; If both sides mention Payment Request, the data management system platform can directly be handled payment request information, also can be to transmit this payment request information to each side, makes its affirmation that obtains each side, accepts the answer information that each side returns then;

(3) the data management system platform with the payment request information of each side or/and answer information handle and integrate, send data message by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, client terminal identity code feature field, dealing money and the authentication security sign indicating number of reflection financial sector at least;

(4) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the feature field of the client terminal identity code of the feature field of reflection mobile subscriber identifier sign indicating number, reflection financial sector, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer or transfer or from financial sector, take out for the mobile subscriber, and transaction results information is turned back to the data management system platform;

(5) the data management system platform returns transaction results information by communication network to the mobile subscriber.

Useful is, the above-mentioned communication network that meets any communication modes of safety certification preferentially recommends to adopt private network, and improving the security of network information transfer, or both sides assert certain safe communication network.

Useful is that above-mentioned short-distance wireless communication agreement can be Bluetooth protocol or infrared ray short-distance wireless communication agreement or other suitable short-range communication protocols.

Useful is, above-mentioned mobile subscriber is the communication protocol of WAP, WEB, GPRS, CDMA or invention in future to the communication protocol that the data management system platform sends payment request information, client terminal is the communication protocol of WAP, WEB, GPRS, CDMA or invention in future to the communication protocol that the data management system platform sends payment request information, it is economical and practical, security performance is good, can also be certainly to realize any communication protocol of communicating by letter with the data management system platform.

Useful is, the communication network that above-mentioned mobile subscriber adopts can be one of gsm communication net, cdma communication net, 3G mobile radio communication or 4G mobile radio communication or its combination, the communication network that client terminal adopts can be one of gsm communication net, cdma communication net, 3G mobile radio communication or 4G mobile radio communication or its combination, even can be private wire network or Ethernet.

Very useful is that above-mentioned mobile subscriber is mobile phone or PDA (Personal Data Assistance), even can be for paying custom-designed communication facilities or transportable communication equipment in order to finish wireless electron.

Very useful is, above-mentioned client terminal is POS machine (Point Of Sale) or ATM withdrawal machine (Automated Teller Machine) or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA, even can be the input-output device of custom-designed communication facilities or mobile signal equipment or financial sector in order to finish the wireless electron payment, particularly along with the development of commerce and trade on the network, client's vending system or client's transaction system are used by large-scale popularization, so client terminal also can be client's vending system or client's transaction system.

What be highly profitable is that above-mentioned data management system platform need repeatedly be transmitted each side's solicited message or answer information, makes trade both sides' mobile subscriber and client terminal can carry out repeatedly information interchange, with the interactivity of further raising electronic payment mode.

What be highly profitable is that above-mentioned data management system platform is verified the identity legitimacy of payment request information, answer information, identity verification solicited message legitimacy is also examined, with the security of further raising E-Payment.

Useful is that above-mentioned payment request information includes mobile subscriber identifier sign indicating number, client terminal identity code at least, accordingly, contains dealing money and authentication security sign indicating number in the reply message; Payment request information also can be to include mobile subscriber identifier sign indicating number, client terminal identity code and dealing money at least, accordingly, contain the authentication security sign indicating number in the reply message, certainly above-mentioned solicited message and reply message can also be done further improvement design according to actual needs, can contain other information code relevant with actual business transaction, as trade name, Service name, grade, specification or the like, be principle to make things convenient for the mobile subscriber to use with communication exchange.

What be highly profitable is, above-mentioned data management system platform is more than one and one, it is interconnected to carry out communication by communication network between them, make the data management system platform more can adapt to actual needs and divide and be arranged, make things convenient for mobile subscriber and client terminal to apply for registration of nearby, this electronic fare payment system can be applied more, can improve communication speed simultaneously, reduce the rate of substitute, the reliability that the raising system uses.

Useful is, above-mentioned authentication security sign indicating number can be mobile subscriber password, fingerprint or signature or the speech audio condition code reserved or certain mode that can confirm user identity necessarily, the mobile subscriber can be selected according to actual needs, make electric paying method press close to people's life more.

Perfectly design is, above-mentioned data management system platform can be provided with system separately, also can be to be integrated into one with financial institution, is a subsystem below it, and it is convenient that this electronic fare payment system is applied.

The present invention solves the technical scheme that above-mentioned another technical matters adopts: a system that realizes described electric paying method is characterized in that including at least:

1) mobile phone or PDA or the custom-designed communication facilities or the transportable communication equipment of mobile subscriber's use;

2) the POS machine of client terminal use or input-output device or client's the vending system or client's the transaction system of ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA or custom-designed communication facilities or transportable communication equipment or financial sector;

3) be the data management system platform of both sides' trade realization electronic payment process, the data management system platform includes database module, is used to preserve the data of data management system platform work operation; The communication management interface module is used for being responsible for intercommunication service of data management system platform and telecommunication management and is used to provide the data management system platform to be connected with communication interface between the communication network; The data processing modular converter is realized message data protocol conversion and processing data information between data management system platform and mobile subscriber and client terminal and the bank finance mechanism; Encrypting-decrypting module, the database data, communication protocol data, the message data that are used for the data management system platform carry out encryption; The Electronic Finance system interface module of financial institution is used to provide the communication interface of the transaction data between data management system platform and the financial institution;

4) the Electronic Finance system of financial institution, it includes mobile subscriber and client terminal identity and its database module of associating of account No. separately, and other necessary back-up system

Wherein, mobile subscriber and client terminal are undertaken interconnected by communication network and data management system platform; Communication network and the Electronic Finance system of data management system platform by meeting any communication modes of safety certification carries out interconnectedly, or client terminal is undertaken interconnected by communication network and the Electronic Finance system that meets any communication modes of safety certification.

Very useful improvement is, above-mentioned mobile subscriber and client terminal respectively carry the module of carrying out mutual wireless short-distance communication, make mobile subscriber and client terminal be undertaken interconnected by the wireless short-distance communication, it makes this electronic payment mode can realize the self-service pattern easily, be fit to uses such as some large supermarkets, businessman, hotel, give full play to the advantage such as easy to use, quick, convenient, with low cost of the wireless electron modes of payments.

Useful is, above-mentioned data management system platform has the business monitoring administration module, be used for the transaction business maintenance management of data management system platform, the management and monitoring of operation, and the data of saved system work operation, make system's operation more reliable, and can handle tightly accident at any time, improved safety in utilization.

Compared with prior art, the invention has the advantages that: 1) security is higher, electronic payment mode of the present invention, its data management system platform is not directly verified the authenticity and the possibility of the trading of mobile subscriber and client terminal, do not need identity code and its account No. separately of each side are associated, only with both sides' identity information, dealing money and authentication security sign indicating number integrate just passable, communication network by meeting safety certification or private network special line and Bank Danamon mechanism communicate then, remove to finish real funds transaction, so the data management system platform only is a kind of service system that does not relate to each one account No., play transfer, the integrate information effect, so can design on public network, can not cause the catastrophic effect of being broken through by the hacker and causing, need very secret operation as with trade both sides' identity code with account No. is related separately, allocation of the funds or the like, but be in the financial institution of enclose inside, to finish, to complete a business transaction the result by the private network special line then and turn back to the data management system platform, so, the hacker will be impossible from direct acquisition account No. on the data management system platform, so security had improved greatly than former electronic payment mode, adopted a kind of dynamic agreement between the Electronic Finance system of data management system platform and financial institution simultaneously, make general hacker or stealer decode or intercept and capture mobile subscriber identifier sign indicating number or client terminal identity code, can not stride across the data management system platform, come fraudulent attack financial institution, carry out criminal manipulation, improved the security of system; 2) national some mandatory provisions of financial structure of the law have been avoided, can not illegally be provided with and keep account No. as non-financial institution, make the service organization that the data management system platform can a kind of non-finance, can be arranged on the public communication network, both sides serve for trade, make the enforcement of E-Payment have possibility, avoided more jural obstacles, have actuality; 3) interactivity is stronger, make information interchange and affirmation that the trade both sides can be by repeatedly, revise trade, make trade operate hommization more, correspond to actual needs, particularly the strange land is operated and is finished E-Payment, can widen the E-Payment range of application greatly, as strange land payment, strange land account transfer, strange land remittance or the like, can be applied in the online ecommerce in large quantities, as mail-order, the air ticket that books a train ticket, check out, shopping online, the dinner party etc. of making hotel reservations, for everybody provides a kind of very convenient, quick, safe strange land electronic payment mode; 4) need not special cell phone such as TDK card or authentication ID card, make the user convenient, use general mobile phone and client terminal just can operate, finish electronic payment mode, be to implement the convenient nature of this electronic payment mode, avoided special hardware device simultaneously, be convenient to it and promote the use of; 5) particularly with the mobile phone and the client terminal of short-range wireless communication module, make this electronic payment mode can be fit to the market of self-service pattern, the supermarket, the hotel, library or the like, as make EXIT utilize cashing machine to collect money automatically, do not need professional's small change work of collecting money, it is convenient that electronic payment mode has been given play to, fast, convenient, advantage such as with low cost, more and more by vast supermarket, businessman and mobile subscriber have an optimistic view of, simultaneously also widened the functions of use of mobile phone and so on mobile communication, become a kind of easy means of payment and means of communication, the user carries very convenient, particularly travel on official business, very convenient, need not to carry too much cash; 6) this electronic payment mode can not only be interpreted as a kind of electronic payment mode, should do the understanding on the broad sense more, it can be used for enchashment money, account transfer, remit money, withhold, online payment or pay or the like when buying article, basically covered the basic service of bank finance, so application surface is more extensive, very practical, the life of pressing close to the people; 7) promoting the use of of this electric paying method can be improved the competitive power of nationalized bank in individual capital market greatly, in the electronic payment mode of overseas bank resist comb beautiful.

Description of drawings

Fig. 1 is the network system synoptic diagram of the embodiment of the invention;

Fig. 2 is the construction module synoptic diagram of data management system platform of the present invention;

Fig. 3 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention;

Fig. 4 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention;

Fig. 5 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention;

Fig. 6 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention;

Fig. 7 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention;

Fig. 8 is for adopting a kind of mode of operation FB(flow block) of electronic payment mode of the present invention.

Embodiment

Embodiment describes in further detail the present invention below in conjunction with accompanying drawing.

As schematically shown in Figure 1, be a system that realizes electric paying method of the present invention, it includes at least:

1) mobile phone of mobile subscriber's use, the mobile phone that generally can have WAP or WEB function is just passable, certain continuous progress along with science and technology, the PDA that newly emerges in large numbers (Personal Data Assistance) personal information terminal also is operable, certainly do not get rid of in order to promote the use of this wireless electron modes of payments yet, specialized designs goes out the communication facilities of similar functions or transportable communication equipment as having the laptop computer of communication capacity, it can carry out WEB with network or WAP communicates by letter, just can in this electronic payment process, use, development along with mobile communication technology, various CDMA mobile phones, the GPRS mobile phone also can be used, communicate with public communication network and to get in touch, be more preferably, described mobile communication can be adopt encrypt after, get in touch with public communication network, to improve safety in utilization;

2) the various Cash collecting equipments of client terminal use, as POS machine (Point Of Sale), ATM (AutomaticTeller Machine) cash machine, automatic vending machine, mobile POS machine, removable automatic vending machine or the like, it can certainly be mobile phone, PDA, or even for finishing the input-output device of paying custom-designed communication facilities or transportable communication equipment or financial sector by mails, particularly along with the development of commerce and trade on the network, client's vending system or client's transaction system are used by large-scale popularization, so client terminal also can be client's vending system or client's transaction system.It can be by any rational coded communication agreement, communicate with public communication network and to get in touch, certainly it can adopt agreement such as WEB, WAP, GPRS or CDMA and public communication network to communicate to get in touch, also can be to communicate by private wire network and data management system platform or bank finance mechanism

3) realize the data management system platform of electronic payment process for both sides' trade, the data management system platform can be for more than one and one, it is interconnected to carry out communication by intercommunication network between wherein a plurality of data management system platforms, it can be provided with system separately, also can be to be integrated into one with financial institution, be a subsystem module below it, make electronic fare payment system implement convenient, reduce operating cost.The data management system platform also communication protocol by any encryption and public communication network communicates and gets in touch, and mobile subscriber and terminal device can be write to each other each other with the data management system platform.

Data management system console module structure such as Fig. 2, it includes at least:

Database module is used to preserve the data that the work of data management system platform moves;

Communication management, interface module are used for being responsible for intercommunication service of data management system platform and telecommunication management and are used to provide communication interface between data management system platform and the communication network;

Data processing, modular converter are realized message data protocol conversion and processing data information and management between data management system platform and mobile subscriber and client terminal and the bank finance mechanism;

The data encryption/decryption module, the database data, communication protocol data, the message data that are used for the data management system platform carry out encryption;

The Electronic Finance system interface module of financial institution is used to provide the transaction data communication interface between the Electronic Finance system of data management system platform and financial institution;

Certainly the business monitoring administration module be can also have, the transaction business maintenance management of data management system platform, the management and monitoring of operation are used for, and the data of saved system work operation.

4) financial institution's Electronic Finance system, it includes at least:

Database module, account No., safety certification sign indicating number associate separately for the feature field of its feature field with mobile subscriber identifier sign indicating number or reflection mobile subscriber identifier sign indicating number, client terminal identity code or reflection client terminal identity code and its;

And other necessary back-up systems of Electronic Finance system, as

The banking system interface module is used to provide the transaction data communication interface between data management system platform or client terminal and the financial institution;

Encrypting-decrypting module is used for communicating with the data management system platform encryption and the decryption processing of data;

The service management module is used for the transaction business maintenance management of bank finance mechanism, the management and monitoring of operation, and the data of saved system work operation;

So bank finance mechanism will accept the mobile subscriber and have seller's application of client terminal, in case financial institution accepts the application of mobile subscriber or client terminal, just according to the dynamic agreement between financial institution and the data management system platform, make that identity code and its feature field are set up dynamic mapping relationship separately, and automatically by the hour or day upgrade, give an example, applied for paying by mails professional as the mobile subscriber to financial institution, filled in application form, as comprise personal identification number, phone number, cell phone apparatus number, password or the like information, the mobile subscriber has chosen mobile subscriber identifier sign indicating number (financial institution also can provide according to rule certainly) 1234, between financial institution and the data management system platform, according to the application moment and bipartite agreement, set up mapping at mobile subscriber identifier sign indicating number and its feature field, and provide the feature field such as the AAA of initial reflection mobile subscriber identifier sign indicating number, the feature field of the reflection mobile subscriber identifier sign indicating number between data management system platform and the financial institution is upgraded automatically according to dynamic agreement, upgraded once in one hour, or renewal in a day once, can avoid hacker or stealer illegally to obtain the mobile subscriber identifier sign indicating number like this, stride across the data management system platform, financial institution is carried out duplicity to be attacked, thereby carry out illegal finance operation, improved security of system, certainly, also be performed such application for client terminal.Financial institution such as bank, Unionpay, credit office etc., also to the major general its separately account No. and its identity code or reflect that the feature field of identity code associates separately, make up a linked database, for the purpose of safe in utilization, authentication security sign indicating number such as password, signature or fingerprint, speech audio condition code also can also be associated with separately account No., write in the linked database.Identity code can adopt various ways, be decided according to the actual requirements, mobile subscriber's identity code IMSI can adopt the international mobile equipment identification number (International Mobile Station Identity) of mobile phone, the number such as the phone number that also can adopt mobile subscriber oneself to set up are used as its identity code, or even combinational code, oneself name and information combination such as ID (identity number) card No. are got up to constitute a kind of sign indicating number, or the international mobile equipment identification number information combination of ID (identity number) card No. and mobile phone gets up to constitute a kind of sign indicating number, the numerical code that also can be reaction mobile subscriber user speech audio feature is as the safety certification sign indicating number, the pronunciation frag info of mobile subscriber's user on mobile phone is transferred in the data management system platform and goes, again with integrate information, be transferred in the financial institution, isolate its speech audio feature by the specific human voices resolver, analyze comparison with the audio frequency characteristics that this mobile subscriber is retained in the financial institution in advance as the safety certification sign indicating number, realize safety certification process, the numerical code of mobile subscriber's speech audio feature becomes safe authentication code with its password combination, mode can be varied in a word, with practicality, convenient, safety is that principle is just passable.The seller can tell financial institution with the account No. of the client terminal identity code below it and its oneself in when application, financial institution is associated client terminal identity code/its feature field and account No. in linked database, and client terminal identity code bank or seller are defined according to certain coding rule and are provided here.

The Electronic Finance system is undertaken interconnected by private network or the communication network and the data management system platform that meet safety certification.

When being when being in the self-service pattern, mobile subscriber and client terminal respectively carry the module of carrying out mutual wireless short-distance communication, make mobile subscriber and client terminal can carry out short-range radio communication, as buyer's mobile subscriber during through the outlet of big supermarket, seller's client terminal reads mobile subscriber's international mobile equipment identification number of buyer automatically by the short-distance wireless communication mode, and the startup wireless electron modes of payments, generally speaking, client terminal is the band computer processing system, carries out work automatically under computer program control.

The concrete pattern of the wireless electron modes of payments of the present invention has following several.

First kind (referring to Fig. 3)

(1) trade begins, and both parties have determined the transaction beginning through bargaining or choosing, and needs to start and pays by mails;

(2) seller is that fund flows into square tube and crosses customer terminal equipment and enter network software corresponding function menu;

(3) seller is that fund inflow side imports identity code and this dealing money that the buyer is fund outflow side under program designation;

(4) seller is that fund inflow side sends data through public communication network to the data management system platform according to the communication protocol of encrypting; It is that client terminal identity code, buyer's identity code is mobile subscriber identifier sign indicating number, this dealing money that its data message includes seller's identity code at least;

(5) to obtain the seller be the data that fund inflow side sends to the data management system platform, to verify further the seller is whether the fund side of inflow identity legitimacy and fund outflow side have registered mobile treasury trade business, if nonregistered (NR) user, error message is turned back to both parties by communication network, if the user of registration just prepares to enter next step;

(6) the data management system platform data message of Financial Information that will comprise open identity code, dealing money, the registration of fund outflow side of fund inflow side sends to the fund side of outflow transaction data base, send to buyer's mobile subscriber actively or passively by communication network then, simultaneously information data and platform operation information are preserved;

(7) the buyer mobile subscriber is that fund outflow square tube is crossed the data message that communication network receives that the data management system platform sends over, rely on the transaction manager on mobile phone or the mobile device, enter the function menu of network software correspondence, enter corresponding fund and flow out program;

(8) buyer is that flow out under the program designation in fund fund outflow side, examines amount information and commodity, information on services, and after the affirmation, input authentication security code such as password are as answer information;

(9) buyer is that fund outflow square tube is crossed communication network to data management system platform transmission reply message, returns related data;

(10) to examine the buyer be the fund side of outflow identity legitimacy to the data management system platform, whether it has registered mobile treasury trade business, if nonregistered (NR) user turns back to both parties with error message by communication network, if the user of registration just prepares to enter next step;

(11) trading information data is integrated, handled to the data management system platform, at least need mobile subscriber identifier sign indicating number with seller's client terminal identity code, buyer convert to its separately feature field, will reflect the feature field of client terminal identity code, the synthetic data message of feature field, dealing money, authentication security code character of reflection mobile subscriber identifier sign indicating number then, according to the data layout of data management platform and Electronic Finance system agreement, the Electronic Finance system that any communication network by meeting safety certification such as private network industrial siding send to financial institution;

(12) after the Electronic Finance system that connects of financial institution is subjected to data message, parse the feature field that reflects the client terminal identity code, feature field, dealing money, the authentication security sign indicating number that reflects buyer's mobile subscriber identifier sign indicating number, the feature field of trade both sides' identity code and separately account No. are associated, and carry out safety certification process, as compare password, if can transfer, transfer on will mobile subscriber's account number of fund on seller's the account No., then Transaction Success information is turned back to the data management system platform the buyer as volume; If debt or not through safety certification cannot be transferred, just will the conclude the business information of getting nowhere and reason turn back to the data management system platform;

(13) the data management system platform result that will conclude the business re-sends to the both sides of trade by communication network;

(14) closing the transaction.

The financial function of this pattern has account transfer, payment, remittance, can be applied in occasions such as medium and small market, individual fund dealing, online transaction.

Second kind (referring to Fig. 4)

(1) trade begins, and both parties determine the transaction beginning through bargaining or choosing, and needs to start and pays by mails;

(3) seller is that to import the buyer mobile subscriber under program designation be the identity code of fund outflow side in fund inflow side;

(4) seller is that fund inflow side sends data through public communication network to the data management system platform according to the communication protocol of encrypting; It is that client terminal identity code, buyer's identity code is the mobile subscriber identifier sign indicating number that its data message includes seller's identity code at least;

(6) the data management system platform will comprise the open identity code of fund inflow side, the Financial Information of fund outflow side registration sends to the fund side of outflow transaction data base, the data message of Transaction Information sends by the mobile subscriber of communication network to the buyer actively or passively, simultaneously information data and platform operation information is preserved;

(8) buyer is that Financial Information is selected by fund outflow side under fund outflow program designation, examines amount information and commodity, information on services, and after the affirmation, input dealing money, authentication security sign indicating number such as password are as answer information;

(10) the data management system platform is examined buyer's identity legitimacy, and whether it has registered mobile treasury trade business, if nonregistered (NR) user turns back to both parties with error message by communication network, if the user of registration just prepares to enter next step;

(11) trading information data is integrated, handled to the data management system platform, at least need mobile subscriber identifier sign indicating number with seller's client terminal identity code, buyer to convert separately feature field to, will reflect the feature field of client terminal identity code, the synthetic data message of feature field, dealing money, authentication security code character of reflection mobile subscriber identifier sign indicating number then, according to the data layout of data management platform and Electronic Finance system agreement, the Electronic Finance system that any communication network by meeting safety certification such as private network industrial siding send to financial institution;

(12) after the Electronic Finance system of financial institution receives data message, parse the feature field of reflection client terminal identity code, feature field, dealing money, the authentication security sign indicating number of reflection buyer mobile subscriber identifier sign indicating number, the feature field of trade both sides' reflection identity code and separately account No. are associated, and carry out safety certification, as password comparison, if through safety certification can transfer, transfer on will mobile subscriber's account number of fund on seller's the account No., then Transaction Success information is turned back to the data management system platform the buyer as volume; If debt or not through safety certification cannot be transferred, just will the conclude the business information of getting nowhere and reason turn back to the data management system platform;

(14) closing the transaction.

The third (referring to Fig. 5)

(2) the buyer mobile subscriber is that fund flows out square tube and crosses mobile phone and enter network software corresponding function menu;

(3) buyer is that to import the seller under program designation be the identity code of fund inflow side in fund outflow side;

(4) buyer is that fund outflow side sends data through public communication network to the data management system platform according to the communication protocol of encrypting; It is that client terminal identity code, buyer's identity code is the mobile subscriber identifier sign indicating number that its data message includes seller's identity code at least;

(5) to obtain the buyer be the data that fund outflow side sends to the data management system platform, to verify further the buyer is whether the fund side of outflow identity legitimacy and fund inflow side have registered mobile treasury trade business, if nonregistered (NR) user, error message is turned back to both parties by communication network, if the user of registration just prepares to enter next step;

(6) the data management system platform sends to the fund side of inflow transaction data base with the identity code of fund outflow side, the Financial Information of the fund side of inflow user registration, data message sends by the client terminal of communication network to the seller actively or passively, simultaneously information data and platform operation information is preserved;

(7) seller's client terminal is that fund inflow square tube is crossed the data message that communication network receives that the data management system platform sends over, and the transaction manager on the dependence equipment enters the function menu of network software correspondence, enters corresponding fund and flows into program;

(8) seller is that Financial Information is selected by fund inflow side under fund inflow program designation, examines amount information and commodity, information on services, after the affirmation, imports the amount of money of this transaction, as answer information;

(9) seller is that fund inflow square tube is crossed communication network to data management system platform transmission reply message, returns related data;

(10) the data management system platform is examined seller's identity legitimacy, and whether it has registered mobile treasury trade business, if nonregistered (NR) user turns back to both parties with error message by communication network, if the user of registration just prepares to enter next step;

(11) the data management system platform is that buyer mobile subscriber's mobile phone sends this dealing money information by communication network to fund outflow side;

(12) the buyer mobile subscriber is mobile phone input authentication security code such as password under the guiding of fund outflow program of fund outflow side, as reply message, sends to the data management system platform;

(13) after the data management system platform is accepted, integrate, handle trading information data, at least need client terminal identity code with the seller, buyer's mobile subscriber identifier sign indicating number converts to and reflects the feature field of identity code separately, the feature field that will reflect the mobile subscriber identifier sign indicating number then, the feature field of reflection client terminal identity code, dealing money, the authentication security code character is synthesized a data message, according to the data layout of data management platform and Electronic Finance system agreement, any communication network by meeting safety certification is as sending to the Electronic Finance system of financial institution by the private network industrial siding;

(14) after the Electronic Finance system of financial institution receives data message, parse the feature field that reflects the client terminal identity code, feature field, dealing money, the authentication security sign indicating number that reflects buyer's mobile subscriber identifier sign indicating number, trade both sides' identity code feature field and account No. are separately associated, and carry out safety certification process, as password comparison, if through safety certification can transfer, transfer on will mobile subscriber's account number of fund on seller's the account No., then Transaction Success information is turned back to the data management system platform the buyer as volume; If not through safety certification or debt cannot transfer, just will the conclude the business information of getting nowhere and reason turn back to the data management system platform;

(15) the data management system platform result that will conclude the business re-sends to the both sides of trade by communication network;

(16) closing the transaction.

The 4th kind (referring to Fig. 6)

(2) buyer is that fund flows out square tube and crosses mobile phone and enter network software corresponding function menu;

(3) buyer is that to import the buyer under program designation be the identity code of fund outflow side in fund outflow side;

(4) buyer is that fund outflow side sends data through communication network to the data management system platform according to the communication protocol of encrypting; It is that client terminal identity code, buyer's identity code is the mobile subscriber identifier sign indicating number that its data message includes seller's identity code at least;

(6) the data management system platform with data message by communication network to the Financial Information that fund outflow side is mobile subscriber's mobile phone transmission fund inflow side, simultaneously information data and platform operation information are preserved;

(7) fund outflow side is that mobile subscriber's mobile phone is collected the data message that the data management system platform sends over by communication network, transaction manager on the dependence equipment, enter the function menu of network software correspondence, under program designation, examine amount information and commodity, information on services, after the affirmation, input trading password and this dealing money are as answer information;

(8) fund outflow side is that the mobile subscriber sends reply message by communication network to the data management system platform, returns related data;

(9) after the data management system platform is accepted, integrate, handle trading information data, at least need to convert seller's client terminal identity code, buyer's mobile subscriber identifier sign indicating number to feature field separately, to reflect the feature field of client terminal identity code, the synthetic data message of feature field, dealing money, safety certification code character of reflection mobile subscriber identifier sign indicating number then, according to the data layout of data management platform and Electronic Finance system agreement, any communication network by meeting safety certification is as sending to the Electronic Finance system of financial institution by the private network industrial siding;

(10) after the Electronic Finance system of financial institution receives data message, parse the feature field that reflects the client terminal identity code, feature field, dealing money, the safety certification sign indicating number that reflects buyer's mobile subscriber identifier sign indicating number, trade both sides' identity code feature field and account No. are separately associated, carry out safety certification process simultaneously, if through safety certification also can transfer, transfer on will mobile subscriber's account number of fund on seller's the account No., then Transaction Success information is turned back to the data management system platform the buyer as volume; If not through safety certification or debt, cannot transfer, the information of getting nowhere of just will concluding the business turns back to the data management system platform;

(11) the data management system platform result that will conclude the business re-sends to the both sides of trade by communication network;

(12) closing the transaction.

The financial function of this pattern has account transfer, payment, enchashment gold, can be applied in shopping online, individual's remittance, extract occasions such as cash, ATM.

The 5th kind (referring to Fig. 7)

(2) seller is that fund inflow square tube is crossed client's terminal entering network software corresponding function menu;

(3) seller is that fund flows into square tube and crosses the short-distance wireless communication mode to obtain the buyer actively or passively be that the fund side of outflow identity and facility information thereof are the mobile subscriber identifier sign indicating number;

(4) seller is that fund inflow side imports dealing money under programmed control;

(5) seller is that the fund side of inflow client terminal sends data message to the data management system platform; It is that client terminal identity code, buyer's identity code is mobile subscriber identifier sign indicating number, dealing money that its data message includes seller's identity code at least;

(6) to obtain the seller be the data that fund inflow side sends to the data management system platform, to further verify both sides' identity legitimacy, whether it has registered mobile treasury trade business, if nonregistered (NR) user, error message is turned back to both parties by communication network, if the user of registration just prepares to enter next step;

(7) the data management system platform is the Financial Information of client terminal transmission fund outflow side to fund inflow method, apparatus;

(8) fund outflow side be the buyer on the customer terminal equipment under the device program guiding, examine amount information and commodity, information on services, after the affirmation, the amount of money of input password and this transaction is as answer information;

(9) fund inflow side is that seller's client terminal sends the answer data message to the data management system platform;

(10) to obtain the seller be the data that fund inflow side sends to the data management system platform, to verify further that the buyer is the fund side of an outflow identity legitimacy, whether it has registered mobile treasury trade business, if nonregistered (NR) user, error message is turned back to both parties by communication network, if the user of registration just prepares to enter next step;

(11) after the data management system platform is accepted, integrate, handle trading information data, at least need client terminal identity code with the reflection seller, buyer's mobile subscriber identifier sign indicating number converts feature field separately to, the feature field that will reflect the mobile subscriber identifier sign indicating number then, the feature field of reflection client terminal identity code, dealing money, the authentication security code character is synthesized a data message, according to the data layout of data management platform and Electronic Finance system agreement, any communication network by meeting safety certification is as sending to the Electronic Finance system of financial institution by the private network industrial siding;

(12) after the Electronic Finance system of financial institution receives data message, parse the feature field that reflects the client terminal identity code, feature field, dealing money, the authentication security sign indicating number that reflects buyer's mobile subscriber identifier sign indicating number, trade both sides' identity code feature field and account No. are separately associated, and carry out safety certification process, if through safety certification can transfer, transfer on will mobile subscriber's account number of fund on seller's the account No., then Transaction Success information is turned back to the data management system platform the buyer as volume; If not through safety certification or debt, cannot transfer, just will the conclude the business information of getting nowhere and reason turn back to the data management system platform;

(14) closing the transaction.

The financial function of this pattern has account transfer, payment, enchashment gold, can be applied in occasions such as megastore, bank, self-service, ATM.

The 6th kind of (see figure 8)

(2) fund inflow side is that seller's client terminal enters the corresponding function menu;

(3) fund inflow side is that client terminal carries out communication by short-distance wireless communication agreement and mobile subscriber, the mobile subscriber is transferred to the mobile subscriber identifier sign indicating number on the client terminal actively or passively, makes client terminal obtain mobile subscriber's identity code and facility information thereof;

(4) fund inflow side is that client terminal is imported dealing money under the control of program;

(5) communication network of fund inflow side any communications protocol that is client terminal by meeting safety certification sends the data message of payment request information to the Electronic Finance system of financial institution;

(6) the Electronic Finance system of financial institution receives the data message of Payment Request, and it is identity information that the communication network of any communications protocol by meeting safety certification sends the identity verification solicited message to the data management system platform;

(7) after the data management system platform receives the identity verification solicited message that the Electronic Finance system of financial institution sends, both parties' legitimacy is examined in checking, whether registered the business of E-Payment by mails, if do not have, the data management system platform returns transaction results information to trade both sides' related side, if have, send confirmation to the Electronic Finance system of financial institution by communication network;

(8) the Electronic Finance system of financial institution obtains confirmation, sends to client terminal by communication network and confirms instruction;

(9) fund outflow side be the buyer mobile subscriber on client terminal the input authentication security code or/and dealing money as answer information;

(10) fund inflow side is that client terminal sends answer information by communication network to the Electronic Finance system of financial institution;

(11) the Electronic Finance system handles of financial institution and integration payment request information and answer information and confirmation, and from confirmation, parse feature field that reflects the mobile subscriber identifier sign indicating number and the feature field that reflects the client terminal identity code, the feature field that will reflect the mobile subscriber identifier sign indicating number then, the feature field of reflection client terminal identity code is carried out related with their account No.s separately, and carry out safety certification, through safety certification, according to dealing money, finish funds transfer, and transaction results information is turned back to data management system platform or client terminal;

(12) the data management system platform returns transaction results information or client terminal returns the trade object information by the short-distance wireless communication agreement to the mobile subscriber by communication network to the trade both sides;

(13) trade finishes;

The financial function of this pattern has payment, withdraws the money, and can be applied in occasions such as megastore, bank, self-service, ATM, POS.

The 7th kind

(1) mobile subscriber's beginning of withdrawing cash, the communication network that the client terminal of mobile subscriber and financial sector such as silver-colored cabinet both sides have at least a square tube to cross and meet safety certification sends payment request information to the data management system platform, and payment request information comprises the client terminal identity code of mobile subscriber identifier sign indicating number and financial sector at least;

(2) this payment request information is accepted and handled to the data management system platform, if folk prescription is mentioned Payment Request, propose how much to take out to certain bank as the mobile subscriber, payment request information also includes the amount of money number of withdrawing cash at least, the data management system platform can directly be handled this payment request information, but reasonable method is, the data management system platform at least also will be transmitted this payment request information to the opposing party (generally being mobile subscriber's mobile phone), make it obtain the opposing party's affirmation, accept answer information such as confirmation or password that the opposing party returns then, both sides can exchange repeatedly like this, be sure of to finish the action of withdrawing cash until both sides;

(3) the data management system platform with the payment request information of each side or/and answer information handle and integrate, send data message by communication network such as the private wire network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, data message comprises client terminal identity code, dealing money and the authentication security sign indicating number such as the password of mobile subscriber identifier sign indicating number, financial sector at least;

(4) the Electronic Finance system of financial institution accepts data message, carry out related with their account No.s separately the client terminal identity code of mobile subscriber identifier sign indicating number, financial sector, and carry out safety certification process, if through safety certification also can withdraw cash, according to the amount of money of withdrawing cash, take out from financial sector for the mobile subscriber, or take out in the cabinet-type air conditioner from financial sector, and transaction results information is turned back to the data management system platform;

Communication network that adopts in the said method and communication encryption agreement can just no longer be carried out deep description here with reference to former examples of implementation, and the data management system platform is to combine with financial institution, constituted a subsystem below the financial institution.

The benefit of this method is, its mobile subscriber's mobile phone or other mobile signal equipments become a kind of similar " credit card " or " bankbook " instrument, rely on this mobile communication equipment can from bank, take out cash, use for the user, further widened the range of application of mobile communication equipment, made mobile communication mobile phone become a kind of means of payment and means of communication, this multifunctional hand chance makes things convenient for the user greatly, and using method is very simple, and is quick.

The 8th kind

A kind of electric paying method, its steps in sequence is:

(1) mobile subscriber utilizes bluetooth cellular phone to carry out communication by short-distance wireless communication agreement and the client terminal of being with bluetooth module and computer processing system, at least its mobile subscriber's identity code such as mobile phone international mobile communication equipment sign indicating number to be transferred to client terminal automatically or passively, mobile subscriber's mobile phone is accepted the dealing money information of returning of client terminal more then, confirm back input authentication security code such as password, go to client terminal by the short-distance wireless communication protocol transmission; Client terminal sends the data message that comprises Payment Request by the communication network such as the private line network that meet safety certification to the Electronic Finance system of financial institution, this data message includes mobile subscriber identifier sign indicating number, client terminal identity code, dealing money and authentication security sign indicating number at least, and carries out encryption;

(2) the Electronic Finance system of financial institution accepts data message by private line network, parse the mobile subscriber identifier sign indicating number, the client terminal identity code, dealing money and authentication security sign indicating number, with the mobile subscriber identifier sign indicating number, the client terminal identity code is carried out related with their account No.s separately, and carry out safety certification process, if through safety certification and can transfer, according to dealing money, finish funds transfer, and with transaction results information as successfully turning back to client terminal by communication network such as the private line network that meets safety certification, if through safety certification maybe can not transfer, also transaction results information is turned back to client terminal as unsuccessful by communication network such as the private line network that meets safety certification, client terminal turns back to transaction results on mobile subscriber's the mobile phone by the short-distance wireless communication agreement again, finishes electronic payment process.

The 9th kind

A kind of electric paying method, its steps in sequence is:

(1) mobile subscriber utilizes bluetooth cellular phone to carry out communication by short-distance wireless communication agreement and the client terminal of being with computer processing system and bluetooth module, at least its mobile subscriber identifier sign indicating number such as mobile phone international mobile communication equipment sign indicating number to be transferred to client terminal automatically or passively, client terminal sends the data message that comprises Payment Request by the communication network such as the private line network that meet safety certification to the Electronic Finance system of financial institution, the data message of Payment Request comprises mobile subscriber identifier sign indicating number and client terminal identity code at least, the data message of Payment Request can comprise dealing money information simultaneously, also can not comprise dealing money information, and carry out encryption;

(2) the Electronic Finance system of financial institution accepts this data message by private line network, resolve the back and obtain mobile subscriber identifier sign indicating number, client terminal identity code, send request authentication information by communication network such as the private line network that meets safety certification to the data management system platform simultaneously, request authentication information comprises the feature field and the telephone number of reflection mobile subscriber identifier sign indicating number at least, and carries out encryption;

(3) the data management system platform is accepted this request authentication information, after the deciphering, transmit this request authentication information by this telephone number to mobile subscriber's mobile phone, make its affirmation that obtains the mobile subscriber such as mobile subscriber on mobile phone, revise or import dealing money, the mobile subscriber is input authentication security code such as password on its oneself mobile phone also, pass through encryption then, turn back to the data management system platform by communication network, the data management system platform is accepted its answer information of returning, and handles this request authentication information again;

(4) the data management system platform is handled the Electronic Finance system request authentication information of financial institution and mobile subscriber's answer information and corresponding the integration, send data message by communication network such as the private wire network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, data message comprises the feature field and the authentication security sign indicating number of reflection mobile subscriber identifier sign indicating number at least, and through encryption;

(5) the Electronic Finance system of financial institution accepts data message, parse the feature field and the authentication security sign indicating number of reflection mobile subscriber identifier sign indicating number, the data message mobile subscriber identifier sign indicating number of the Payment Request that authentication security sign indicating number and client terminal are sent, the client terminal identity code, dealing money is integrated association, again with the mobile subscriber identifier sign indicating number, the client terminal identity code is carried out related with their account No.s separately, and carry out safety certification process, if through safety certification can transfer, according to dealing money, finish funds transfer, and with transaction results information as successfully turning back to data management system platform or client terminal, if through safety certification maybe can not transfer, also transaction results information is turned back to the data management system platform or client terminal goes as unsuccessful;

(6) client terminal returns transaction results information by short-range radio communications to the mobile subscriber, can certainly be that the data management system platform returns transaction results information by communication network to the mobile subscriber.

The tenth kind

A kind of electric paying method, its steps in sequence is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement such as Bluetooth protocol and client terminal, at least to make the client terminal identity code be transferred on mobile subscriber's the mobile phone automatically or passively, better can also comprise dealing money, even can comprise trade name and Service name, price or the like, after the mobile subscriber confirms, the mobile subscriber sends payment request information by mobile phone and cordless communication network to the data management system platform, payment request information comprises the mobile subscriber identifier sign indicating number at least, the client terminal identity code, dealing money and authentication security sign indicating number such as password, and carry out encryption, in order to improve the reliability of transmission, prevent the possibility that is stolen, can adopt a plurality of time periods repeatedly to transmit information segment, make payment request information be not easy disposable being stolen, improved security;

(2) after the data management system platform is accepted by communication network, can directly handle this payment request information, also can be that communication network etc. by meeting safety certification is transmitted this payment request information to client terminal again, make it obtain the affirmation again of client terminal, here confirm it is a kind of cryptographic means in fact again, make client terminal also can provide the authentication security sign indicating number, stolen very much occasion with some important informations such as the mobile subscriber's authentication security sign indicating number that prevent the mobile subscriber by other people, the data management system platform is accepted the answer information that the mobile subscriber returns then;

(3) the data management system platform with the payment request information of each side or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification such as private line network send data message to the Electronic Finance system of financial institution then, data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, feature field, dealing money and each side's authentication security sign indicating number of reflection client terminal identity code at least, and through encryption;

(4) the Electronic Finance system of financial institution accepts data message, parse the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, dealing money and each side's authentication security sign indicating number, feature field with reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code is carried out related with their account No.s separately, and carry out safety certification such as password comparison, if through safety certification, can transfer, according to dealing money, finish funds transfer, and the transaction results successful information turned back to data management system platform or client terminal by communication network such as the private line network that meets safety certification, if not through safety certification or cannot transfer, the unsuccessful information of transaction results is not turned back to data management system platform or client terminal by communication network such as the private line network that meets safety certification yet;

(5) the data management system platform returns transaction results information by the communication network that meets safety certification to the trade both sides, also can be that client terminal returns the trade object information by the short-distance wireless communication agreement to mobile subscriber's mobile phone.

The 11 kind

A kind of electric paying method, its steps in sequence is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement such as Bluetooth protocol and client terminal, at least to make the client terminal identity code be transferred on mobile subscriber's the mobile phone automatically or passively, better can also comprise dealing money, even can comprise trade name and Service name, price or the like, after the mobile subscriber confirms, the mobile subscriber sends payment request information by mobile phone and cordless communication network to the data management system platform, payment request information comprises the mobile subscriber identifier sign indicating number at least, the client terminal identity code, dealing money and authentication security sign indicating number such as password, and carry out encryption, in order to improve the reliability of transmission, prevent the possibility that is stolen, can adopt a plurality of time periods repeatedly to transmit information segment, make payment request information be not easy disposable being stolen, improved security; Simultaneously, the client terminal also communication network such as the private line network of any communication modes by meeting safety certification sends this payment request information to the Electronic Finance system of financial institution, payment request information comprises mobile subscriber identifier sign indicating number, client terminal identity code, dealing money and authentication security sign indicating number such as password at least, and carries out encryption;

(2) after the data management system platform is accepted mobile subscriber's payment request information by communication network, can directly handle this payment request information, and the communication network such as the private line network of any communication modes by meeting safety certification send this payment request information to the Electronic Finance system of financial institution, also can be that communication network etc. by meeting safety certification is transmitted this payment request information to client terminal again, make it obtain the affirmation again of client terminal, here confirm it is a kind of cryptographic means in fact again, make client terminal also can provide the authentication security sign indicating number, stolen very much occasion with some important informations such as the mobile subscriber's authentication security sign indicating number that prevent the mobile subscriber by other people, the data management system platform is accepted the answer information that the mobile subscriber returns then, the data management system platform with the payment request information of each side or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification such as private line network send data message to the Electronic Finance system of financial institution then, data message comprises the feature field of reflection mobile subscriber identifier sign indicating number at least, the feature field of reflection client terminal identity code, dealing money and each side's authentication security sign indicating number, and through encryption;

(3) the Electronic Finance system of financial institution accepts data message, parse the feature field of reflection mobile subscriber identifier sign indicating number, the feature field of reflection client terminal identity code, dealing money and authentication security sign indicating number, and with their processing and integration, the feature field that will reflect the mobile subscriber identifier sign indicating number then, the feature field of reflection client terminal identity code is carried out related with their account No.s separately, and carry out safety certification such as password comparison, if through safety certification, can transfer, according to dealing money, finish funds transfer, and the transaction results successful information turned back to data management system platform or client terminal by communication network such as the private line network that meets safety certification, if not through safety certification or cannot transfer, the unsuccessful information of transaction results is not turned back to data management system platform or client terminal by communication network such as the private line network that meets safety certification yet;

(4) the data management system platform returns transaction results information by the communication network that meets safety certification to the trade both sides, also can be that client terminal returns the trade object information by the short-distance wireless communication agreement to mobile subscriber's mobile phone.

Claims

1, a kind of electric paying method, it includes the mobile subscriber, client terminal, the data management system platform, the Electronic Finance system of financial institution, the mobile subscriber links by communication network and data management system platform, client terminal links by communication network and data management system platform or/and directly the communication network of any communication modes by meeting safety certification and the Electronic Finance system of financial institution link, the communication network of any communication modes of data management system platform by meeting safety certification and the Electronic Finance system of financial institution link, trade both sides' mobile subscriber and client terminal have at least a side will send payment request information, and make the mobile subscriber, client terminal, the data management system platform, the communication steps that the Electronic Finance system of financial institution intercoms mutually by above-mentioned communication network, make the data management system platform that trade both sides' the mobile subscriber and/or the payment request information and/or the answer information processing of client terminal are integrated into data message, be transferred to the Electronic Finance system of financial institution by communication network, make the Electronic Finance system can be according to data message, between mobile subscriber and client terminal, finish account transfer or transfer or withhold or pay or the financial business of remittance or enchashment gold, it is characterized in that the linked database that the financial account number between trade both sides' mobile subscriber and client terminal and they are separately associates is arranged in the Electronic Finance system of financial institution, make the data management system platform need not to carry out related with client terminal with their account numbers separately trade both sides' mobile subscriber, only be to handle or/and integration trade both sides' the mobile subscriber and the payment request information and/or the answer information of client terminal become data message, and in the Electronic Finance system of financial institution, by described linked database, trade both sides' mobile subscriber and client terminal and the account number between them are carried out related, and carry out safety certification process.

2, electronic payment mode according to claim 1 is characterized in that communicating by the short-distance wireless communication agreement between described mobile subscriber and the client terminal.

3, electronic payment mode according to claim 1 and 2, it is characterized in that having between the Electronic Finance system of described data management system platform and financial institution and represent the feature field of its identity code to shine upon related agreement separately trade both sides' mobile subscriber identifier sign indicating number and client terminal identity code and they, this agreement can be a kind of agreement of dynamic change in the time of necessary, it is related that the feature field of the Electronic Finance system that makes financial institution like this by its identity of trade representatives from both sides and its each side's account number are carried out, and realizes that trade both sides' mobile subscriber and client terminal and their account numbers separately carry out operation associated.

4, electronic payment mode according to claim 3 is characterized in that described communication steps can have various modes, and wherein pattern one is:

Wherein pattern two is:

(2) this payment request information is accepted and handled to the data management system platform, simultaneous verification is examined mobile subscriber's identity legitimacy and client terminal and whether has been registered the business of E-Payment by mails, if do not have, the data management system platform returns transaction results information to trade both sides' related side, if have, enter next step;

(7) the data management system platform returns transaction results information by communication network to the trade both sides;

Wherein pattern three is:

Wherein pattern four is:

(7) the data management system platform returns transaction results information or client terminal returns the trade object information by the short-distance wireless communication agreement to the mobile subscriber by communication network to the trade both sides;

Wherein pattern five is:

(3) the data management system platform with payment request information or/and answer information handle and integrate, the communication network of any communication modes by meeting safety certification sends data message to the Electronic Finance system of financial institution then, and data message comprises the feature field of reflection mobile subscriber identifier sign indicating number, feature field, dealing money and the authentication security sign indicating number of reflection client terminal identity code at least;

Wherein pattern six is:

Wherein pattern seven is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least its mobile subscriber identifier sign indicating number to be transferred to client terminal, client terminal sends the data message that comprises Payment Request by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution, the data message of Payment Request comprises mobile subscriber identifier sign indicating number and client terminal identity code at least, the data message of Payment Request can comprise dealing money information simultaneously, also can not comprise dealing money information;

(2) the Electronic Finance system of financial institution accepts data message, resolve the back and obtain mobile subscriber identifier sign indicating number, client terminal identity code, send request authentication information by the communication network that meets any communication modes of safety certification to the data management system platform simultaneously, request authentication information comprises the mobile subscriber identifier sign indicating number at least;

Wherein pattern eight is:

Wherein pattern nine is:

(1) mobile subscriber carries out communication by short-distance wireless communication agreement and client terminal, at least the client terminal identity code to be transferred on mobile subscriber's the mobile phone, better can also comprise dealing money, after the mobile subscriber confirms, the mobile subscriber sends payment request information by communication network to the data management system platform, payment request information comprises the mobile subscriber identifier sign indicating number at least, the client terminal identity code, dealing money and authentication security sign indicating number, and carry out encryption, simultaneously client terminal also the communication network of any communication modes by meeting safety certification send data message to the Electronic Finance system of financial institution, this data message comprises reflection client terminal identity code at least, preferably can also include dealing money;

Wherein pattern ten is:

(3) the data management system platform with the payment request information of each side or/and answer information handle and integrate, send data message by the communication network that meets any communication modes of safety certification to the Electronic Finance system of financial institution then, data message comprises the feature field that reflects the mobile subscriber identifier sign indicating number, feature field, dealing money and the authentication security sign indicating number that reflects the client terminal identity code of financial sector at least;

5,, it is characterized in that certain communication network that the described communication network that meets any communication modes of safety certification adopts private network or data management system platform and the both sides of Electronic Finance system to assert according to claim 1 or 2 or 3 or 4 described electric paying methods.

6,, it is characterized in that described short-distance wireless communication agreement can maybe can realize certain mode of short-distance wireless communication for Bluetooth protocol or infrared ray short-distance wireless communication agreement according to claim 1 or 2 or 3 or 4 described electric paying methods.

7, according to claim 1 or 2 or 3 or 4 described electric paying methods, it is characterized in that communication protocol that described mobile subscriber sends from payment request information to the data management system platform is WAP, WEB, GPRS, CDMA or the communication protocol of invention in the future, the communication protocol that client terminal sends payment request information to the data management system platform is any communication protocol that the communication protocol of WAP, WEB, GPRS, CDMA or invention in the future and realizing is communicated by letter with the data management system platform.

8, according to claim 1 or 2 or 3 or 4 described electric paying methods, it is characterized in that the communication network that described mobile subscriber adopts can be one of gsm communication net, cdma communication net, 3G mobile radio communication or 4G mobile radio communication or its combination, the communication network that client terminal adopts can be one of gsm communication net, cdma communication net, 3G mobile radio communication or 4G mobile radio communication or its combination, even can be private wire network or Ethernet.

9,, it is characterized in that described mobile subscriber is mobile phone, PDA, custom-designed communication facilities or transportable communication equipment according to claim 1 or 2 or 3 or 4 described electric paying methods; Client terminal is input-output device or client's the vending system or client's the transaction system of POS machine or ATM withdrawal machine or automatic vending machine or mobile POS machine or removable automatic vending machine or mobile phone or PDA or custom-designed communication facilities or transportable communication equipment or financial sector.

10, according to claim 1 or 2 or 3 or 4 described electric paying methods, it is characterized in that described data management system platform repeatedly transmits each side's solicited message or answer information, make trade both sides' mobile subscriber and client terminal can carry out repeatedly information interchange; The data management system platform is verified the identity legitimacy of payment request information, answer information, and the data management system platform is also verified identity verification solicited message legitimacy.

11, according to claim 1 or 2 or 3 or 4 described electric paying methods, it is characterized in that described payment request information can be to include mobile subscriber identifier sign indicating number, client terminal identity code at least, accordingly, contain dealing money and authentication security sign indicating number in the reply message; Payment request information also can be to include mobile subscriber identifier sign indicating number, client terminal identity code and dealing money at least, accordingly, contains the authentication security sign indicating number in the reply message.

12, according to claim 1 or 2 or 3 or 4 described electric paying methods, it is characterized in that described data management system platform is more than one and one, it is interconnected to carry out communication by communication network between them; The data management system platform can be provided with system separately, also can be to be integrated into one with financial institution, is a subsystem below it.

13,, it is characterized in that described authentication security sign indicating number can be mobile subscriber password, fingerprint or signature or the speech audio condition code reserved or certain mode that can confirm user identity necessarily according to claim 1 or 2 or 3 or 4 described electric paying methods.

14, realize the system of electric paying method according to claim 1 for one, it is characterized in that including at least:

3) be the data management system platform of both sides' trade realization electronic payment process, the data management system platform includes database module, is used to preserve the data of data management system platform work operation; The communication management interface module is used for being responsible for intercommunication service of data management system platform and telecommunication management and is used to provide the data management system platform to be connected with communication interface between the communication network; The data processing modular converter realizes that message data protocol conversion and the information data between data management system platform and mobile subscriber and client terminal and the financial institution handled; Encrypting-decrypting module, the database data, communication protocol data, the message data that are used for the data management system platform carry out encryption; The Electronic Finance system interface module of financial institution is used to provide the communication interface of the transaction data between data management system platform and the financial institution;

4) the Electronic Finance system of financial institution, it includes mobile subscriber and client terminal identity and its database module of associating of account No. separately, and other necessary back-up system;

15, system according to claim 14 is characterized in that described mobile subscriber and client terminal respectively carry the module of carrying out mutual wireless short-distance communication, makes mobile subscriber and client terminal be undertaken interconnected by the wireless short-distance communication.