CN201285572Y - Voice payment transaction system for mobile terminal - Google Patents
Voice payment transaction system for mobile terminal Download PDFInfo
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- CN201285572Y CN201285572Y CNU200820001079XU CN200820001079U CN201285572Y CN 201285572 Y CN201285572 Y CN 201285572Y CN U200820001079X U CNU200820001079X U CN U200820001079XU CN 200820001079 U CN200820001079 U CN 200820001079U CN 201285572 Y CN201285572 Y CN 201285572Y
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Abstract
The utility model relates to a movable terminal voice payment charging system. A customer provided with a portable movable device (1) such as a movable wireless phone is charged with a plurality of charging terminals (2) of a network (5) and/or a communication network (3). The charging terminals (2) performing the payment charging inform the customer with relative payment charging sum and confirmation codes of payment charging. The charging confirmation codes also comprise a movable device confirmation code and an account code. The charging terminals (2) transmit the charging request and the charging sum to a charging center (4), the movable device (1) transmits the confirmation codes input by the customer to the movable device through a movable wireless network (6) to the charging center (4). The charging center (4) sends one payment confirmation to the movable device (1) of the charging confirmation codes. One charging evidence is prepared in the charging center (4) and is transmitted to the movable device (1) by the movable wireless network (6), the charging evidence includes one relation aiming at the payment sum of the customer and the seller identification, the evidence is sent to the movable device (1) from the charging center (4) by one movable wireless network, therefore, the charging center sends one charging truth identification to the relative charging terminal (2).
Description
Technical field
The utility model patent relates to a kind of mobile terminal sound payment transaction system and device, especially relates to a kind of aspectant by no means mobile terminal sound payment transaction system of separating.
Background technology
Adopt the cashless payment mode more and more in service point payment payment for goods and/or service fee, and client will carry a large amount of different identification cards and is used for different service points, so people wish and portable mobile device can be used for above-mentioned purpose.
Summary of the invention
The purpose of the utility model patent is to propose a kind of new non-face-to-face payment transaction system.
A kind of mobile terminal sound payment transaction system and device, comprise the one or more transaction terminals (2) in one or more portable mobile devices (1) and internet (5) and/or the communication network (3), an and trade center (4), described mobile device (1) and transaction terminal (2) comprise a processor respectively at least, this transaction terminal (2) comprises transaction task module (23) separately, it is sent to trade center (4) with transaction ID and total transaction amount, transaction terminal (2) comprises display (29), by the transaction identification module (22) in the transaction terminal, this display (29) shows the affirmation information of client by the relevant payment transaction of executive component (18) input of relative moving device (1), this trade confirmation information is that trade center (4) is sent to transaction terminal (2) by internet (5) and/or communication network (3), trade center (4) comprises a Payment Request module (42), this Payment Request module (42) sends Payment Request to mobile device (1) by mobile radio network (6) with voice mode, Payment Request comprises the total transaction amount of relevant payment transaction at least, and these mobile devices (1) transmit the affirmation information of relevant payment transaction to trade center (4).
Mobile device (1) comprises a loudspeaker module (14) and an executive component (18), this loudspeaker module (14) is play payment information, and executive component (18) is to be used for importing payment confirmation codes and to send it to trade center (4) by mobile radio network (6).
Transaction terminal (2) comprises a display (29) and an executive component (18), and this display (29) is used for showing Transaction Information, and executive component (18) is used for importing the SIM card number of total transaction amount, commodity and client's mobile device.
Transaction terminal (2) comprises a transaction identification module (22), this transaction identification module (22) is determined Transaction Information at payment transaction, and Transaction Information is incorporated in the transaction identification module respectively, and trade center (4) comprises the module of transferring accounts (41), and this module of transferring accounts has put the total transaction amount of relevant payment transaction under transaction terminal (2) and determined under the effective accounts.
Transaction terminal (2) comprises a network interface (21) that can be linked into internet (5) and/or communication network (3) respectively at least, mobile device (1) has a mobile radio network (6) SIM card interface at least, Transaction Information that will be relevant with payment transaction by these device interface relationship trading terminals (2) sends the display (19) of relevant mobile device (1) to and passes through executive component (18) input validation sign indicating number, the corresponding Transaction Information data of receiving relevant payment transaction with the order of this acceptance by internet (5) and/or communication network (3).
Mobile device (1) comprises an executive component (18), the trade confirmation sign indicating number of setting with the input client, and according to the confirmation code identification client's of input authenticity.
Trade center (4) comprises an ability of paying back inspection module (43), and this inspection module is checked client's ability of paying back.
A kind of mobile terminal sound payment transaction system, comprise a plurality of mobile devices (1) and at least one transaction terminal (2), an and trade center (4), described mobile device (1) is connected by internet (5) and/or communication network (3) with described trade center (4), described trade center (4) is connected by internet (5) and/or communication network (3) with described transaction terminal (2), the transaction task module (23) of this transaction terminal (2) is sent to trade center (4) with transaction ID and total transaction amount, the transaction identification module (22) of transaction terminal (2), the identification client is by the affirmation information of the payment transaction of relative moving device (1) transmission, this trade confirmation information is that trade center (4) is sent to transaction terminal (2) by internet (5) and/or communication network (3), trade center (4) comprises a Payment Request module (42), this Payment Request module (42) sends Payment Request to mobile device (1) by mobile radio network (6) in the mode of voice, Payment Request comprises the total transaction amount of relevant payment transaction at least, and these mobile devices (1) transmit the affirmation information of relevant payment transaction to trade center (4).
The utility model utilize mobile device, trade center and transaction terminal can use at one's side computer or mobile phone convenient/quick/carry out the bank card payment safely.This system builds up the further disposal environment that improves bank card, expanded the acceptance range of bank card, reduced the O﹠M cost of traditional POS machine of deploying to ensure effective monitoring and control of illegal activities, solved the payment " bottleneck " of present puzzlement Electronic Business in China, payment of bank card is extended to the consumer veritably used portable phone at one's side, be mobile radiotelephone, this phone support is to client's identification and affirmation.
Description of drawings
Fig. 1 is the utility model device synoptic diagram.
Fig. 2 is a payment model synoptic diagram of the present utility model.
Fig. 3 is payment flow figure of the present utility model.
Fig. 4 is transaction flow figure of the present utility model.
Description of reference numerals:
1 mobile device
2 transaction terminals
3 communication networks
4 trade centers
5 internets
6 mobile radio networks
14 loudspeaker modules
17 SIM card
18 executive components
19 displays
21 network interfaces
22 transaction identification modules
23 transaction task modules
29 displays
41 modules of transferring accounts
42 Payment Request modules
43 ability of paying back inspection modules
45 communication modules
The transmission of S1 Transaction Information and dealing money
The transmission of S2 Payment Request
The S3 payment affirmation transmits
The S4 payment information that finishes transmits
Embodiment
By technological innovation, the novel electron payment affirmation system that business innovation and service innovative development go out.Utilize VPOS, trade company (payee) and holder (payer) can use at one's side computer or mobile phone convenient/quick/carry out the bank card payment safely.This system builds up the further disposal environment that improves bank card, expanded the acceptance range of bank card, reduced the O﹠M cost of traditional POS machine of deploying to ensure effective monitoring and control of illegal activities, solved the payment " bottleneck " of present puzzlement Electronic Business in China, payment of bank card is extended to the consumer veritably used portable phone at one's side, be mobile radiotelephone, this phone support is to client's identification and affirmation.Because adopt the cashless payment mode more and more in service point payment payment for goods and/or service fee, and client will carry a large amount of different identification cards and is used for different service points, so people wish and portable mobile device can be used for above-mentioned purpose.Common mobile radiotelephone comprises a display module, a so-called SIM card (subscriber identification module), this module contains a unique User Recognition, IMEI (IMSI International Mobile Subscriber Identity) for example, can in communication network, discern related user by this identification, use this mobile device users at first must carry out self-identification for fear of uncommitted user through mobile device, for example he can compare code and the value that is stored on the SIM card by means of the security personnel by the operating unit input personal code (personal identification number PIN) of mobile device.
Payment model and flow process (Fig. 4):
1. holder's cell-phone number and card number are bound flow process:
The holder swipes the card on self-aided terminal, opens mobile virtual according to screen prompt input relevant information and pays payment function by mails, and a payment number (also calling off code-locked) is replied by system.Perhaps bind by dialing the IVR voice call.
2, pay main flow process:
A. trade company's (or beneficiary) forms sequence information (existing mobile virtual to pay by mails in the processing server) by the WEP/WAP server.Mobile virtual is paid processing server by mails and is paid value-added service platform affirmation mobile virtual E-Payment user by mails by message visit mobile virtual, and the mobile phone (can show the card number and the amount of money on the mobile phone) of putting through the holder by ivr server requires input password (unlock code), finish payment by message then, and payment information is informed trade company by the WEP/WAP server, pay payment result by mails Short Message Service Gateway by mobile virtual and inform the holder
B. trade company's (or beneficiary) forms sequence information (existing mobile virtual to pay by mails in the processing server) by the WEP/WAP server.The holder initiatively puts through the short codes of mobile virtual electronic fare payment system with the mobile phone of binding in advance, the input unlock code, prompting input relevant information according to IVR, mobile virtual is paid processing server by mails and is finished payment by message, and pays Short Message Service Gateway by mails by mobile virtual and notify holder and trade company's (also can obtain the result by the WEP/WAP server lookup).
C. other E-Payment means (as: internet, mobile virtual pay phone by mails and mobile virtual is paid self-aided terminal by mails) of using mobile virtual to pay by mails as the user are paid, and the value-added service platform that mobile virtual is paid by mails can be come into contacts with by message and mobile virtual E-Payment processing server and be finished payment.
The utility model patent proposes a kind of new non-face-to-face payment transaction system and method, and it is specially adapted to following service point,
1 payment gateway: be applied to class trade company of online shopping mall, businessman pays mobile virtual by mails gateway and is embedded into own website, can set up complete shopping process easily, and the client can carry out real-time mobile virtual payment after having chosen commodity.
2 fast payments: quick payment is a kind of service of gathering fast and easily that provides for trade company, trade company need not the website, need not webpage, only need registering trade company number can have mobile virtual and pay service by mails, realize gathering in real time in online 24 hours, the user only need receive calls and import the respective client sign indicating number just can finish payment.
3 online business halls: mobile virtual is paid the payment demand that can be the key city by mails and is comprised local E-Government, administrative institution charge etc.; The local utility payment is as charges such as water, electricity, gas, CATV (cable television); Local cultural and educational undertakings payment is as Web education, test and training, school's small amount charge etc.; Local medical and health care system payment, as hospital register, hospital's remote diagnosis, medical advice, psychological consultation etc.; Local tourist industry payment, as tourism admission ticket, circuit fee with, travel special product, hotel reservation, E-ticket etc. provide service.
According to the utility model patent, this target realizes by the feature of independent claims especially.In addition, other advantageous embodiment is illustrated by dependent claims and instructions.
This target is by the utility model patent, particularly be achieved in the following manner: the client of band portable mobile device and have in the payment transaction process between the service point of transaction terminal, described portable mobile device can be for example mobile radiotelephone or hand held that can communicate or laptop computer, in this payment transaction process, the transaction terminal of service point sends to trade center by internet or communication network with payment information, trade center is sent to Payment Request in client's the mobile device by the mode of mobile radio network with voice, after listening to the payment information that finishes by client, agreement and input payment transaction confirmation code will be passed through mobile wireless network, for example GSM or UMTS network or other, for example satellite-based mobile radio network transmits to trade center.Payment terminal is passed through communication network with total transaction amount and transaction ID, for example above-mentioned mobile radio network or fixed network, be sent to trade center, trade center is with Payment Request then, at least comprise the total value of transaction and transaction ID for example, transmit to the mobile device that this transmits transaction ID by mobile radio network.
In payment transaction method and payment transaction system according to this patent, the client of band portable mobile device and the Virtual Service point of transaction terminal, for example so-called e-commerce platform, B2B, B2C etc., between payment transaction divide two stages to realize, in the phase one, send and determine the true and false of transaction ID to trade center by transaction terminal, for example whether client's cell-phone number is effective, whether bound bank card, whether the amount of money etc. is arranged in the card, determine it is after the validated user, trade center can send the mode of payment information voice to client, client confirm errorless after, by the mobile device input trade confirmation sign indicating number of client by him, be sent to trade center from mobile device by mobile network then, in trade center, will participate in the transaction terminal and the mutual induction-arrangement of mobile device that participates in relevant payment transaction of relevant payment transaction, at this moment, there is not direct communication between transaction terminal and the mobile device, its advantage is, mobile device and transaction terminal all needn't add corresponding thing in addition, the standardized contactless interface of transmitter and receiver and so on for example needn't be installed in mobile device and payment terminal, and the mobile device of relevant payment transaction and/or payment terminal can be in the data exchange process of contactless relationship trading wrong intervention.In subordinate phase, can pay produces the payment transaction of financial aspect between the both parties, and in this stage, does not begin direct communication between mobile device and the transaction terminal, because the payment transaction of financial aspect will be undertaken by trade center.Subordinate phase is guided by trade center, Payment Request is sent to the mobile device that participates in relevant payment transaction.
At last, in this mobile device, for example, client is by operating unit input trade confirmation sign indicating number, this confirmation code comprises unlock code and the bank card password that the user sets, and being sent to trade center by mobile radio network by mobile device, this payment affirmation is by, trade center, financial institution services merchant for example, payment affirmation can be continued processing and/or forwarding, for example, give financial institution or settlement center.Its advantage is that after receiving payment voucher, trade center is sent to payment terminal by communication network with a payment affirmation, and this affirmation comprises Transaction Information at least.And according to implementation status, this affirmation also is transmitted to mobile device.
In an embodiment variant, before sending payment affirmation to trade center, will be about the information input mobile device of payment cipher, these modes of payments for example have, withhold at a definite credit number, withhold at a definite account customer, a definite bank account or one on mobile device the storage advance payment withhold, for example on the SIM card of mobile device.Introducing has following advantage about the information of expectation payment mode, improved according to the payment transaction method of this patent and the dirigibility of payment transaction system, kind according to the desirable modes of payments, at least certain payment transaction directly (online) and automatically register, other is then at (off-line) afterwards, for example, can register by an appropriate settlement center as an alternative.
In an embodiment variant, transaction terminal is sent to trade center by a network equipment interface with Transaction Information, trade center is with information, send mobile device to, and client is input to mobile device with the trade confirmation sign indicating number, in this way, client receives the voice payment information that sends out from trade center by the loudspeaker of mobile device.This advantage of implementing modification with, client needn't initiatively be input to mobile device with Transaction Information, can avoid client's input error and boring data input like this.Be used for this enforcement modification pass through answer voice and determine that Transaction Information can realize with simple form, because one changes in the minimum implementation, only need one-way interfaces, that is to say that in changing minimum implementation, transaction terminal only needs a suitable network interface (network interface card), send Transaction Information, and in changing minimum implementation, mobile device only need be with a loudspeaker, so that answer Transaction Information.Those skilled in the art will understand that, realize that this enforcement modification does not need to carry out the complex interface agreement yet, for example directly two-way communication between mobile device and transaction terminal.Make following situation become possibility by this enforcement modification, use the client of mobile device, needn't import Transaction Information initiatively by hand, this mobile device is arranged transaction by reception from the mode of the Transaction Information of transaction terminal, simultaneously, the method of being advised is not got rid of the client who uses mobile device yet and is not adopted this mode, finishes transaction because client can initiatively dial the IVR of trade center.
In an embodiment variant, the confirmation code that client oneself sets by the operating unit input on its mobile device makes and oneself is identified, for example user code, unlock code etc.The sign of utilizing active input validation sign indicating number to discern the user has following advantage, and what be associated therewith is safe in the using system password, and perhaps system password can be guessd out or be authorized to the user and forget by unauthorized user.
In an embodiment variant, trade center is checked client's ability of paying back, and this client is by the customer identification that is transmitted, and for example phone number is determined.According to the assay of solvency, perhaps trade center can be sent to information relevant transaction terminal and relevant mobile device, by these information, utilizes the method according to this patent can stop the client who lacks solvency in the payment transaction process.
In an embodiment variant, will about trade center successfully pay the transaction payment voucher and/or the form of trade confirmation information one short message send in the mobile device, for example be stored in the SIM card of mobile device, the advantage of storage payment voucher and/or trade confirmation is in mobile device, client might be registered completed transaction, payment voucher or the trade confirmation that is stored in the mobile device used as invoice.
1-4 carries out specific description with reference to the accompanying drawings, and in Fig. 1-4, the unit of representing with same reference numerals is an equivalent units.Fig. 2 shows an applied environment, and a plurality of mobile devices and a plurality of payment terminal are wherein arranged, and this mobile device is to connect by mobile wireless network, and payment terminal is to be connected with trade center by a communication network.Reference numeral 5 among Fig. 2 is internets, a so-called basic communication platform, for example be sell goods that open to the public and/or the online store that service is provided, as shown in Figure 2, have a plurality of transaction terminals 2 and a plurality of client to carry mobile device 1 in the internet 5.
Portable mobile device 1 for example is a mobile radiotelephone, on knee or palmtop computer or other suitable portable mobile device, this device is by mobile radio network 6, for example GSM or UMTS net or other, for example satellite-based mobile radio network communicates, this is meant especially: swap data, also can be by mobile radio network 6 exchanges data by means of special announcement, for example: SMS (SMS (Short Message Service)) or USSD (non-structure supplementary service data) information, perhaps by means of special data, services, for example GPRS (general packet radio service) or HSCSD (high speed circuit switched data) produce.
" software module " relates separately to the program code that is stored in the storer to the notion of Shi Yonging in this manual, and on a processor, carry out, for example cooperate with a suitable operating system/or by the virtual platform service, JAVA virtual machine (JAVA is the registered trademark of SUN Microsystems) for example, processor controls makes software module carry out respectively by the function of distributing like this.The professional should be understood that, carry out the implication that the program language that uses does not change this patent at software module, but make own known program language, for example the program language of JAVA or other OO independent operation platform also can prove known advantage to the professional fully.Software module also can to these functions and/or service, for example because the former of efficient answers, be positioned at other module, but these functions and/or service equally also be understood that the functional component of related software module by the function layout.
Transaction terminal 2 is based on the PC system, for example this system equipment not shown executive component and software unit, and comprise an IE browser at least.Transaction terminal 2 comprises a transaction identification module 22, and this module for example is performed as the software module that is programmed, and this module is that a payment transaction is determined a transaction ID.This transaction ID preferably comprises a transaction terminal sign, a service point sign and a transaction number at least, described transaction terminal sign makes it possible to identify relevant transaction terminal from many transaction terminals 2 of internet 5, and described Transaction Identification Number for example is to increase progressively successively and/or comprise date and time information at each new payment transaction.Described payment terminal sign, numeral for example: as " 12 ", a string letter: as " BE ", or the combination of letter and number, as " K3 ", described payment terminal sign can be restricted to one, two or three numerals, each letter usually, this is a uniqueness of determining that in order to guarantee transaction terminal 2 is discerned in an internet 5, and numeral and/or alphabetical number that the service point sign is formed depend on the number of carrying out the service point of payment transaction by trade center 4.Can for example so constitute the sign of service point, make it expression that comprises an authority assign identification, this identification determines that the authority of identification assigns, the service point sign of relevant internet 5 is assigned in this identification, the network chain store operator of internet 5 for example, it comprises one at unique service point number of assigning authority.Can predict the service point sign also can use and international occasion, for example comprise country's identification and/or other suitable data unit, the numeral of transaction number and/or alphabetical number depend on that how many times transaction is arranged in the time period of predefined, for example be one day or the business of carrying out on payment terminal half a day.
Those skilled in the art will understand that, also can adopt transaction terminal sign alternative service point identification combination, unique and transaction terminal sign, certainly because needed number produces a transaction ID, this identification is inappropriate for the mobile device 1 of manual input, also needs a centre management mechanism at transaction ID thus.
At the determined transaction ID of payment transaction transaction terminal 2 will be arranged, for example by transaction identification module 22 or by another programmed software module of transaction terminal 2, determine jointly that with transaction terminal 2 total transaction amount that associated customer must be paid shows at the display 29 of transaction terminal 2 at this payment transaction.Client is apprised of information about the transaction ID of total transaction amount and payment transaction by voice thus.
If customer need is by its mobile device 1 payment transaction total value, he must open mobile device 1 so, and implement in the modification at one, for reasons of safety, other mobile device 1 and bank card must be bound again, for example client loses the mobile device of having bound 1, wanting to continue to use these payment services, need earlier mobile device 1 and original bank card binding, bind successfully after, the inefficacy of the binding of the mobile device 1 of Yi Shiing before.
After payment transaction was carried out function selecting, the loudspeaker 14 of mobile device 1 can be play voice messaging, for example reads aloud with a software module that is programmed, and the request user imports the trade confirmation sign indicating number.Client can be by the executive component 18 input trade confirmation sign indicating numbers of mobile device 1.If mobile device 1 input transaction ID.For fear of input error, implement in the modification at one, mobile device 1, as display 19 by mobile device 1, the input trade confirmation sign indicating number that client can be correct like this.
One that in the end implements in the modification changes in the minimum modification, transaction terminal 2 is equipped a network interface 21 at least, network interface comprises the necessary hardware element so that output data, for example with the form of ADSL dialing, link to each other with trade center 4, and software module that is programmed and software interface, this interface all is necessary to the operation and the control of network interface 21.The payment confirmation codes that the executive component 18 of mobile device 1 transmits by client's input, and be sent to trade center 4 by mobile radio network 6, trade center 4 is based on the communication server of a routine, just based on a computing machine, it is equipped with appropriate operating system or the Database Systems service that is used for server, and data-carrier store and communication module 45 trade center 4 can also be with a plurality of interconnective computer realization.Should be noted that at this, in Fig. 2, just illustrate in general being connected of trade center and mobile radio network, and this connection is adopted in a known manner, for example connect and a switching equipment by fixed network, particularly a mobile switching centre (MSC) realizes, mobile device 1 also can be by means of wireless application agreement (WAP) for example, suitable JAVA APPLET and/or SIM tool box function by internet and trade center 4 communications, and trade center is arranged in the machine room of Unionpay inside.
In trade center 4, Transaction Information that transmits from transaction terminal 2 and affiliated total payment shown in arrow among Fig. 4, are received and by intermediate storage by communication module 45.Communication module 45 for example comprises a software module and necessary hardware unit, so that communicate purpose by mobile radio network 6 and communication network 3, that is to say, particularly carries out exchanges data by these network utilisation mobile devices 1 and transaction terminal 2.
Fig. 3 shows a possible sequence flow of information flow between payment terminal, trade center and mobile device.As shown in Figure 3, at the payment transaction of related mobile device 1, the trade center 4 under transaction terminal 2 will wait in the time of a predefined that the transaction ID shown in the S2 transmits.Otherwise, will write down a timing error in trade center 4, and interrupt proceeding payment transaction, for example after corresponding transaction terminal 2 notices, as relationship trading task module 23 mentioned, arrow S1 among Fig. 3 and the time sequencing of S2 also can be carried out in the other direction, promptly have only when trade center 4 is asked this, transaction terminal 2 is just carried out and shown in the arrow S1 transaction ID and total transaction amount is sent to trade center 4, in this case, trade center 4 can start the request that transmits transaction ID from mobile device 1 to trade center 4 according to arrow S2, after finishing transaction, device 1 will be received the feedback information of S4, and this transaction ID comprises the transaction terminal sign especially.
Trade center 4 comprises a Payment Request module 42, for example is a software module that is programmed, and this module will compare from the transaction ID that mobile device 1 receives the intermediate storage that transaction ID and payment terminal 2 receive.If consistent, Payment Request module 42 just begins to prepare Payment Request, and consistent content comprises consistent transaction ID and the total transaction amount under this transaction ID at least.Shown in S2 among Fig. 3, the Payment Request of being prepared by trade center 4 Payment Request modules 42 is transmitted to mobile device 1 through mobile radio network 6 with the telephone number of learning by means of communication module 45.Another kind of situation, if Payment Request module 42 be can not determine consistent Transaction Information, trade center 4 will transmit a corresponding error information and give mobile device 1, for example the trade confirmation sign indicating number is re-entered in request.Should be pointed out that in order to improve security at this, particularly determine the sign true and false of trade center 4, this Payment Request will be implemented by the electronic signature of a trade center 4 of Payment Request module 42 installations or as guaranteed certificate.
In relevant mobile device 1, reception is from Payment Request trade center 4 and that pass through mobile radio network 6 transmission, and implement in the modification at one, according to the transaction ID that is wherein comprised this Payment Request is filtered, thus, mobile device 1 compares transaction ID that is comprised in the Payment Request and the transaction ID that sends trade center 4 in advance to.After payment transaction was carried out function selecting, the loudspeaker 14 of mobile device 1 can be play voice messaging, for example reads aloud with a software module that is programmed, and the request user imports the trade confirmation sign indicating number.After to inspection Payment Request authenticity, and after the authenticity of inspection trade center 4, show Payment Request to client on mobile device 1 display 19, client accepts Payment Request by the operating unit 18 of mobile device 1, and payment for this reason.Ready payment voucher comprises the Payment Request that received and this client's customer identification, for example an international mobile subscriber is discerned (IMEI) or a user number that is in particular the modes of payments described here and distributes, and this user number is stored in respectively in the SIM card 17 of mobile device 1.In order to improve security, the payment voucher the inside comprises the electronic signature of an associated customer or is implemented as the certificate that guarantees.Also can on payment voucher, indicate time/date.
The advantage part also is: in payment voucher, the information that has comprised relevant desired Payment Methods, this information for example is stored on the SIM card 17 of mobile device 1 as default value, or is requested by the display 19 of associated customer by mobile device 1, and is received by executive component 18.Information about the desired modes of payments for example is: the account of a desirable total transaction amount that remains to be paid, this account can be from a definite credit number, from a definite Bank Account Number or be engaged in to pre-exist the amount of money that mobile device 1 deposits in and deduct, as on the SIM card 17 of mobile device 1.Represented as arrow S3 among Fig. 3, payment voucher sends trade center 4. to by mobile radio network 6
Loan worthy check and/or identification validity check draw under the situation of sure conclusion, in trade center 4, the modes of payments ground information of considering of wishing about associated customer are proceeded to handle to payment voucher.By means of communication module 45, also can for example further send payment voucher to financial institution or settlement center by communication network 3, perhaps also can this transaction payment total value utilize mobile radio network 6 directly from being stored in mobile device 1 in advance by trade center 4, deduct as the amount of money in the SIM card 17 of mobile device 1, according to the service organization's identification that in the transaction ID process, obtains, transaction payment total value with trade center 4, for example can be by charging to of trade center 4 module 41 of transferring accounts, this module of transferring accounts has put the total transaction amount of relevant payment transaction under transaction terminal 2 and has determined under the effective account, module 41 for example is performed as software module, and this charges to that the amount of money is put under on the trade center 4 corresponding numbers of the account or the database of the financial institution that can enter by communication network 3 simultaneously.This amount of money that puts under also can utilize above-mentioned approach, handles by financial institution or liquidation organization.
In addition, as last point,, can adopt the known method of professional to encrypt for the data that improve by internet 5 transmit security.
Make the client who is equipped with mobile device 1 might be according to the payment transaction method of this patent and payment transaction system in the internet 5 of one or more transaction terminal 2 of equipment, utilize its mobile device 1 to carry out non-cash payment transaction, at this moment, client must be after being verified authenticity by its mobile device, implementation status according to mobile device 1, the transaction ID of payment transaction only relates to following situation: mobile device 1 does not have SIM card, or need not continue to mobile device input data; Transaction terminal 2 can transmit Transaction Information to transaction center 4 by network interface.Trade center 4 will be checked the authenticity of participation payment transaction side and client's paying ability this moment, and the debt situation, according to client's explanation, and carry out withholing and transferring accounts payment transaction.
Claims (14)
1. mobile terminal sound payment transaction system, comprise the one or more transaction terminals (2) in one or more portable mobile devices (1) and internet (5) and/or the communication network (3), an and trade center (4), described mobile device (1) and transaction terminal (2) comprise a processor respectively at least, this transaction terminal (2) comprises transaction task module (23) separately, it is sent to trade center (4) with transaction ID and total transaction amount, it is characterized in that, transaction terminal (2) comprises display (29), by the transaction identification module (22) in the transaction terminal, this display (29) shows the affirmation information of client by the relevant payment transaction of executive component (18) input of relative moving device (1), this trade confirmation information is that trade center (4) is sent to transaction terminal (2) by internet (5) and/or communication network (3), trade center (4) comprises a Payment Request module (42), this Payment Request module (42) sends Payment Request to mobile device (1) by mobile radio network (6) in the mode of voice, Payment Request comprises the total transaction amount of relevant payment transaction at least, and these mobile devices (1) transmit the affirmation signal of relevant payment transaction to trade center (4).
2. a kind of mobile terminal sound payment transaction system according to claim 1, it is characterized in that: mobile device (1) comprises a loudspeaker module (14) and an executive component (18), this loudspeaker module (14) is play payment information, and executive component (18) is to be used for importing payment confirmation codes and to send it to trade center (4) by mobile radio network (6).
3. a kind of mobile terminal sound payment transaction system according to claim 1 and 2, it is characterized in that transaction terminal (2) comprises a display (29) and an executive component (18), this display (29) is used for showing Transaction Information, and executive component (18) is used for importing the SIM card number of total transaction amount, commodity and client's mobile device.
4. a kind of mobile terminal sound payment transaction system according to claim 1, it is characterized in that transaction terminal (2) comprises a transaction identification module (22), this transaction identification module (22) is determined Transaction Information at payment transaction, and Transaction Information is incorporated in the transaction identification module respectively, and trade center (4) comprises the module of transferring accounts (41), and this module of transferring accounts has put the total transaction amount of relevant payment transaction under transaction terminal (2) and determined under the effective account.
5. a kind of mobile terminal sound payment transaction system according to claim 1, it is characterized in that transaction terminal (2) comprises a network interface (21) that can be linked into internet (5) and/or communication network (3) respectively at least, mobile device (1) has a mobile radio network (6) SIM card interface at least, Transaction Information that will be relevant with payment transaction by these device interface relationship trading terminals (2) sends the display (19) of relevant mobile device (1) to and passes through executive component (18) input validation sign indicating number, the corresponding Transaction Information data of receiving relevant payment transaction with the order of this acceptance by internet (5) and/or communication network (3).
6. a kind of mobile terminal sound payment transaction system according to claim 1 is characterized in that mobile device (1) comprises an executive component (18), the trade confirmation sign indicating number of setting with the input client, and according to the confirmation code identification client's of input authenticity.
7. a kind of mobile terminal sound payment transaction system according to claim 1 is characterized in that trade center (4) comprises an ability of paying back inspection module (43), and this inspection module is checked client's ability of paying back.
8. mobile terminal sound payment transaction system, comprise a plurality of mobile devices (1) and at least one transaction terminal (2), an and trade center (4), described mobile device (1) is connected by internet (5) and/or communication network (3) with described trade center (4), described trade center (4) is connected by internet (5) and/or communication network (3) with described transaction terminal (2), it is characterized in that: the transaction task module (23) of this transaction terminal (2) is sent to trade center (4) with transaction ID and total transaction amount, the transaction identification module (22) of transaction terminal (2), the identification client is by the affirmation information of the payment transaction of relative moving device (1) transmission, this trade confirmation information is that trade center (4) is sent to transaction terminal (2) by internet (5) and/or communication network (3), trade center (4) comprises a Payment Request module (42), this Payment Request module (42) sends Payment Request to mobile device (1) by mobile radio network (6) in the mode of voice, Payment Request comprises the total transaction amount of relevant payment transaction at least, and these mobile devices (1) transmit the affirmation information of relevant payment transaction to trade center (4).
9. a kind of mobile terminal sound payment transaction system according to claim 8, it is characterized in that: mobile device (1) comprises a loudspeaker module (14) and an executive component (18), this loudspeaker module (14) is play payment information, and executive component (18) is to be used for importing payment confirmation codes and to send it to trade center (4) by mobile radio network (6).
10. according to Claim 8 or 9 described a kind of mobile terminal sound payment transaction systems, it is characterized in that transaction terminal (2) comprises a display (29) and an executive component (18), this display (29) is used for showing Transaction Information, and executive component (18) is used for importing the SIM card number of total transaction amount, commodity and client's mobile device.
11. a kind of mobile terminal sound payment transaction system according to claim 8, it is characterized in that transaction terminal (2) comprises a transaction identification module (22), this transaction identification module (22) is determined Transaction Information at payment transaction, and Transaction Information is incorporated in the transaction identification module respectively, and trade center (4) comprises the module of transferring accounts (41), and this module of transferring accounts has put the total transaction amount of relevant payment transaction under transaction terminal (2) and determined under the effective account.
12. according to Claim 8 or 9 described a kind of mobile terminal sound payment transaction systems, it is characterized in that transaction terminal (2) comprises a network interface (21) that can be linked into internet (5) and/or communication network (3) respectively at least, mobile device (1) has a mobile radio network (6) SIM card interface at least, Transaction Information that will be relevant with payment transaction by these device interface relationship trading terminals (2) sends the display (19) of relevant mobile device (1) to and passes through executive component (18) input validation sign indicating number, the corresponding Transaction Information data of receiving relevant payment transaction with the order of this acceptance by internet (5) and/or communication network (3).
13. a kind of mobile terminal sound payment transaction system according to claim 8 is characterized in that mobile device (1) comprises an executive component (18), the trade confirmation sign indicating number of setting with the input client, and according to the confirmation code identification client's of input authenticity.
14. according to Claim 8 or 13 described a kind of mobile terminal sound payment transaction systems, it is characterized in that trade center (4) comprises an ability of paying back inspection module (43), this inspection module is checked client's ability of paying back.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNU200820001079XU CN201285572Y (en) | 2008-01-16 | 2008-01-16 | Voice payment transaction system for mobile terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CNU200820001079XU CN201285572Y (en) | 2008-01-16 | 2008-01-16 | Voice payment transaction system for mobile terminal |
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| CN201285572Y true CN201285572Y (en) | 2009-08-05 |
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| CNU200820001079XU Ceased CN201285572Y (en) | 2008-01-16 | 2008-01-16 | Voice payment transaction system for mobile terminal |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102147948A (en) * | 2010-02-05 | 2011-08-10 | ***通信集团公司 | System and method for generating information interaction voucher |
| CN103856640A (en) * | 2014-01-07 | 2014-06-11 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN106846001A (en) * | 2017-01-12 | 2017-06-13 | 深圳怡化电脑股份有限公司 | Self-service dealing based reminding method and system, financial transaction apparatus, mobile terminal |
-
2008
- 2008-01-16 CN CNU200820001079XU patent/CN201285572Y/en not_active Ceased
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102147948A (en) * | 2010-02-05 | 2011-08-10 | ***通信集团公司 | System and method for generating information interaction voucher |
| CN103856640A (en) * | 2014-01-07 | 2014-06-11 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN106846001A (en) * | 2017-01-12 | 2017-06-13 | 深圳怡化电脑股份有限公司 | Self-service dealing based reminding method and system, financial transaction apparatus, mobile terminal |
| CN106846001B (en) * | 2017-01-12 | 2020-10-20 | 深圳怡化电脑股份有限公司 | Self-service transaction reminding method and system, financial transaction equipment and mobile terminal |
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