CN1307425A - Instant payment method and system using mobile communication equipment - Google Patents
Instant payment method and system using mobile communication equipment Download PDFInfo
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- CN1307425A CN1307425A CN00100710.6A CN00100710A CN1307425A CN 1307425 A CN1307425 A CN 1307425A CN 00100710 A CN00100710 A CN 00100710A CN 1307425 A CN1307425 A CN 1307425A
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- 238000010295 mobile communication Methods 0.000 title claims abstract description 81
- 238000000034 method Methods 0.000 title claims abstract description 45
- 238000012790 confirmation Methods 0.000 claims abstract description 5
- 230000009471 action Effects 0.000 claims description 61
- 230000006855 networking Effects 0.000 claims description 29
- 238000004891 communication Methods 0.000 claims description 20
- 230000008676 import Effects 0.000 claims description 19
- 230000007423 decrease Effects 0.000 claims description 8
- 230000005540 biological transmission Effects 0.000 claims description 4
- 230000000875 corresponding effect Effects 0.000 description 5
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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Abstract
The real-time payment method and system using mobile communication equipment utilizes the mobile communication equipment of user to make confirmation of transaction, when the user is settling account, a group of personal account number representing user corresponding to the mobile communication equipment is read by a charging terminal reading device, then transferred to a remote computer servo terminal to confirm the correctness and validity of account number, and then the mobile communication equipment of the user is called through mobile communication network, and the user is informed of the transaction data by means of the display of mobile telephone handset, and the user can make confirmation to complete transaction, so that the convenient and safe face-to-face or remote transaction can be achieved.
Description
The present invention is the technical field of relevant ecommerce, refers to a kind of immediate payment method and system of utilizing mobile communication equipment especially.
Fast development along with computer and communication science and technology, the transaction kenel that its influence is deeply commercial gradually, and so-called ecommerce promptly be by computer and mechanics of communication fast and convenience to improve the inconvenience of tradition by cash or credit card trade, in the hope of the user can be done shopping quickly and easily, for example, wafer stored value card (Visa Cash) is the plastic cement card that can replace cash for a kind of, the microwafer that is embedded in every stored value card has stored specific amount of money face amount, when using VisaCash, as long as be inserted into the Visa Cash reading machine of contributing businessman, and the cashier can import user's dealing money, after the user confirms, promptly deduct in the remaining sum by card automatically, just can finish transaction.
In addition, and the mode of doing business of so-called electronics red packet and wire transfer is arranged, be available for users to claim cash by ATM with electronics red packet card, or in contractor's consumption of transferring accounts.
Though aforesaid mode of doing business can be reached the inconvenience that allows the user avoid carrying cash, its fail safe is not good, if card is lost or number leaks, then might cause the user to lose greatly.
And be to reach safe transaction, especially see through the shopping of Internet, so-called secure electronic transaction (Secure Electronic Transaction is arranged then, be called for short SET) mechanism and Internet payment system (First Virtual, be called for short FV) machine-processed generation, wherein, SET mechanism is the technical standard of the credit card funded payment of being encrypted by the cover that VISA and Master Vard company are proposed, and FV mechanism is a kind of Payment Methods by third party's checking of being released by First Vitual company, to guarantee that credit number can never transmit on the networking, use the safety problem that solves credit card.
Above-mentioned SET and FV mechanism are in order to reach safe transaction, complicated authentication mechanism must additionally be set again, so the price of system is high, and it only is to be applicable to the credit card trade that sees through the networking, and can't apply to aspectant trade and shopping, in fact its desirable not to the utmost part is arranged, therefore, the payment transaction mode of aforesaid ecommerce gives improved necessity in fact.
The inventor whence originally in the spirit of positive invention, and is thought a kind of can addressing the above problem because of in this, and several times research experiment is eventually to the invention of finishing this novel progress.
A purpose of the present invention is that a kind of immediate payment method and system of utilizing mobile communication equipment are being provided, and it is high-speed payment method and system that a kind of convenience and safety do not have anxiety.
Another object of the present invention is that a kind of high-speed payment method and system that can conclude the business in aspectant mode is being provided.
For reaching aforesaid purpose, according to a characteristic of the present invention, it provides a kind of immediate payment system that utilizes mobile communication equipment, and this system mainly comprises: a user mobile communication equipment, and its correspondence one is represented user individual's account number; One charge end reading device, it is in order to reading and to show transaction data, and can read this user's the pairing account number of mobile communication equipment; An and far-end computer department clothes end, it is and this charge end reading device line, to receive by this charge end account number that reading device was read and corresponding transaction data, after the correctness through confirming account and the validity of transaction data, see through mobile communication network and call out this user's mobile communication equipment, informing this transaction data of user, so that utilize this action communication apparatus to add their confirmation and finish transaction by the user by the demonstration of this action communication apparatus.
Wherein this action communication apparatus is to be a mobile phone mobile phone, and this action communication network then is a mobile phone networking.
Wherein when utilizing this action telephone bandset to confirm transaction by the user, must import one group of Personal Identification Number (PIN).
Wherein account is that pattern with bar code is attached on this action telephone bandset, and this charge end reading device then has a bar code scanner to read this bar code.
Wherein account is to be emitted by the pattern of this action telephone bandset with infrared signal, and this charge end reading device then has an infrared receiver to read this infrared signal.
Wherein account is to be recorded on the card corresponding to this action telephone bandset.
Wherein this charge end reading device has keyboard and screen, for be good for into and show this transaction data.
Wherein this charge end reading device is to see through the private line access of value added networking to this server-side.
Wherein this charge end reading device is to be connected to this server-side through Internet.
Wherein this charge end reading device is to be connected to this server-side through the mobile phone networking.
Wherein this charge end reading device is to be connected to this server-side through Wireless LAN.
Wherein this computer server-side is had by the telephone operator that this action telephone bandset door number is provided.
After wherein when the user finishes transaction with the affirmation of this action telephone bandset, this computer company's server-side is that the amount of money that will conclude the business is recorded on the bill of this action telephone bandset.
Wherein confirm and after finishing transaction when the user utilizes this action telephone bandset, this computer company's server-side be will transaction the amount of money can withhold to the user's of another bank bank account.
Wherein utilize this action telephone bandset to confirm and after finishing transaction, this computer server-side is that the amount of money of transaction is withholdd to the user's of another bank credit card account as the user.
Wherein the transmission of the message of this action telephone bandset and this computer server-side is to see through the news in brief at mobile phone networking to transmit.
Wherein the transmission of the message of this action telephone bandset and this computer server-side is to see through the WAP at mobile phone networking agreement.
Wherein this computer server-side is after the correctness of confirming account, and whether enough, so that and the validity of confirming transaction data if needing bank under account to inquire about its remaining sum.
Wherein this charge end reading device be for one with the computer of Internet line.
Wherein this charge end reading device is the mobile phone mobile phone that has scanning element or an infrared receiver for.
Wherein this charge reading device also is a mobile phone mobile phone, via the communication of the mobile phone mobile phone of this charge end and this user's mobile phone mobile phone through the mobile phone networking, on the charge end can be informed the user through the mobile phone networking account number is being charged the end mobile phone,, reach according to this in different places and conclude the business with the button input.
Wherein this charge end reading device is to be vending machine, ticket machine, parking lot paying machine or ATM withdrawal machine.
Wherein this action telephone bandset be have a human interface software for user's handled easily this action telephone bandset to conclude the business, this software is to be stored in the SIM card or memory of this action telephone bandset.
And according to another characteristic of the present invention, it provides a kind of immediate payment method of utilizing mobile communication equipment, and this method mainly comprises following step: the account number and the dealing money that (A) read the user; (B) see through mobile communication network and transmit message that whether the inquiry user conclude the business mobile communication equipment, whether confirm this transaction with the inquiry user to the user; And, (C) deduct the amount of money of this transaction according to account.
Wherein also comprise following step in step (A) and (B):
(I) incorrect or invalid as the account number that is read, then refusal transaction; And
(J) unacceptable as the dealing money that is read, then refusal transaction.
In step (B) and (C) ask wherein also to comprise a step (K) it is to judge to decline this inquiry as the user that then refusal is concluded the business.
Wherein in step (B), when dealing money during greater than a preset value, the user will be required to import one group of Personal Identification Number (PIN).
Wherein in step (A), account is that the pattern with bar code is attached on user's the mobile communication equipment for reading.
Wherein in step (A), account is read by the charge end reading device at the charge sales counter.
, be performed wherein by the computer server-side of a far-end to the judgement of account and dealing money in step (I) and (J).
Wherein in step (B), the user utilizes this action communication apparatus to promise or to decline this inquiry.
Wherein in step (C), the amount of money of this transaction is to deduct on the bill by the pairing mobile communication equipment of account.
Wherein in step (C), the amount of money of this transaction is by the pairing user's account No. deduction of account.
Wherein in step (C), the amount of money of this transaction is by the pairing user's credit card account deduction of account.
A kind of immediate payment method of utilizing mobile communication equipment of the present invention is characterized in that this method mainly comprises following step:
(A) read user's account number;
(B) see through mobile communication network and transmit message that whether the inquiry user conclude the business mobile communication equipment, whether confirm this transaction with the inquiry user to the user; And
(C) charge that picks up counting, and when timing finishes, deduct the amount of money of this transaction according to account.
Wherein also comprise next step (I) in step (A) and (B), it is that judgement is incorrect or invalid as the account number that is read, then refusal transaction.
It is to judge to decline this inquiry as the user wherein also to comprise next step (J) in step (A) and (B), then refusal transaction.
Wherein in step (B), the user need import one group of Personal Identification Number (PIN).
Wherein in step (A), account is the mode that reads via scanning or infrared ray and being read.
Wherein in step (I), be performed by the computer server-side of a far-end to the judgement of account.
Wherein in step (B), the user utilizes this action communication apparatus to promise or to decline this inquiry.
Because modern design of the present invention can provide the utilization on the industry, and truly have the enhancement effect, so apply for a patent in accordance with the law.
For making your juror can further understand structure of the present invention, feature and purpose thereof, the attached now detailed description with graphic and preferred embodiment as after, wherein:
Fig. 1 is the Organization Chart that utilizes the immediate payment system of mobile communication equipment of the present invention.
Fig. 2 is the flow chart of the embodiment of the immediate payment method of utilizing mobile communication equipment of the present invention.
Fig. 3 A is the schematic appearance for a charge end reading device.
Fig. 3 B is the mode of operation schematic diagram for a charge reading device.
Fig. 4 shows the man-machine interface example that uses the mobile phone mobile phone to pay the bill fast.
Fig. 5 is the flow chart of another embodiment of the immediate payment method of utilizing mobile communication equipment of the present invention.
Fig. 6 is the flow chart of an embodiment again that utilizes the immediate payment method of mobile communication equipment of the present invention.
Fig. 7 is with the schematic appearance of a mobile phone mobile phone as a charge end reading device.
Fig. 8 is the flow chart that the immediate payment method of utilizing mobile communication equipment of the present invention applies to the embodiment that the small amount timing pays.
Fig. 1 shows the Organization Chart that utilizes the immediate payment system of mobile communication equipment of the present invention, it is the mobile communication equipment 10 to utilize the user, the charge end reading device 12 of businessman, and the computer server-side 13 of far-end, cooperate the mobile communication network 19 of telephone operator 14 and the line of bank 16, to allow the user can be face-to-face and the mode of safe ready, carry out the transaction of ecommerce, wherein, this action communication apparatus 10 is to can be the mobile phone mobile phone, action PDA, the calling set of tool back function etc., in this preferred embodiment, this action communication apparatus 10 is a mobile phone mobile phone 11, this action communication network 19 then should be delegation mobile phone networking 15 mutually, 11 pairs of account numbers that generation table user individual should be arranged of this action telephone bandset, this charge end reading device 12 is in order to read and to show transaction data, and can read this user's mobile phone mobile phone 11 pairing account numbers, 13 of this far-end computer server-sides are and these charge end reading device 12 lines, to receive account number and the corresponding transaction data that is read by this charge end reading device 12, after the correctness through confirming account and the validity of transaction data, this user's mobile phone mobile phone 11 is called out at the mobile phone networking 15 that sees through telephone operator 14, to inform this transaction data of user by the demonstration of this action telephone bandset 11, so that utilize this action telephone bandset 11 to add their confirmation and finish transaction by the user, and can deduct the amount of money of this transaction by the related account of telephone bill or bank 16.
Aforesaid account number is preferably to be attached on this action telephone bandset 11 with the pattern of bar code 111, this charge end reading device 12 then has a bar code scanner 121 to read this bar code 111, use the input account, in addition, account also can be given an oral account input by the user, or emit by the pattern of this action telephone bandset 111 with infrared signal, this charge end reading device 12 then correspondence has an infrared receiver (not shown) to read this infrared signal, or account is recorded on the card corresponding to this action telephone bandset 11, this card can be cassette, IC-card, non-contact type coil induction data card (Contactedless ICCard) or small coil wafer (as pet identification wafer), this charge end reading device 12 then need has corresponding Card Reader or sensing apparatus.Again this charge end reading device 12 preferably and have keyboard 122 and a screen 123, for keying in and showing one or many transactions data.
The bar code 111 of aforementioned representative account number is to be printd voluntarily by the user, its preferred implementation be by the user under input on the set website of the company that this quick payment system is provided account number and password to print it.
And about the detailed step of the instant method that adopts aforementioned system, then and please refer to the flow process of Fig. 2, it is to discuss super, the gas station, conclude the business and be the example explanation in places of business such as supermarket, at first, when the user desires to check out, in step S1, import this charge end reading device 12 to give an oral account its account number for the cashier, or preferably providing this bar code 111 to cashier's scanning, the cashier reads this bar code 111 with this bar code scanner 121 and gives to import account number, also imports the amount of money of consuming simultaneously, after pressing " affirmation " on the keyboard 122, account and transaction data are promptly sent far-end computer server-side 13, and in addition, these data also are shown on the screen 123 simultaneously.So that understand the state of trading processing for the cashier.
In step S2, after far-end computer department clothes end 13 is received message,, whether be the code name of correct and useful (Active) to judge account with checking posting pipe data bank 131.As not, then computer server-side 13 restore messages are rejected because of the account number mistake causes transaction with the explicit declaration by screen 123 to the charge reading device 12 (step S3) on the Cash register.As being judged as of step S2 be, execution in step S4 then, enter the account number data bank and whether can accept (available balance or credit line) to check dealing money, at this moment, this computer server-side 13 can be under account bank 16 or telephone operator's 14 its available balances of inquiry or credit line whether enough so that and the validity of confirming transaction data.
As being judged as not of step S4, then computer server-side 13 restore messages cause transaction to be rejected to the charge end reading device 12 (step S3) on the Cash register with the explicit declaration by screen 123 because of Sorry, your ticket has not enough value.As being judged as of step S4 be, then execution in step S5 is to judge whether dealing money is higher than default " penny ante ", in this way, then in step S6, computer server-side 13 is sent the machine room computer of message to telephone operator 14, transmit the mobile phone mobile phone 11 that an inquiry message is given this user to see through mobile phone networking 15, this inquiry message comprises information such as " whether original meaning paying ", " whether dealing money is correct ", and requires the user to import Personal Identification Number (PIN) simultaneously.As being judged as not of step S5, then Jiao Yi the amount of money is less, therefore, in step S7, does not require that the user imports Personal Identification Number, and remaining is inquired then similar in appearance to step S6.
Among the step S8 after step S6, S7, user's mobile phone mobile phone 11 will be received the inquiry that telephone operator 14 sends here, judge the whether truly generation but not falsely use of the amount of money and transaction event so that supply with the user, mistake in this way, then user's input " NO " refuse payment (step S9) on the telephone bandset 11 in action, and see through computer server-side 13 restore messages to the charge end reading device 12 (step S3) on the Cash register, because of refusing to pay, the user cause transaction to be rejected with explicit declaration by screen 123.
Judge that as the user amount of money and transaction event are really for true, then the user imports " YES " on mobile phone, or also import PIN simultaneously, to agree payment (step S10), and message being replied to telephone operator 14 via mobile phone networking 15, telephone operator 14 replies to message above-mentioned remote phone server-side 13 again.
And there is the data of this user in its account pipe data bank 131 in remote phone server-side 13 i.e. change after receiving message, so that have the inner pairing user's account number of the scientific ﹠ technical corporation of this far-end computer server-side 13 withhold (step S11) certainly, also can notify simultaneously on telephone operator 14 is recorded in this action telephone bandset with the amount of money that will transaction the bill or the advance account deduction, also but transmitting bank 16 is to be withholdd the amount of money of transaction by user's bank account or credit card account, in addition, this far-end computer server-side 13 and send the charge end input unit 12 that a message replies on the Cash register and be accepted (step S12) with explanation transaction.
Fig. 3 A shows the example of aforesaid charge end reading device 12, wherein, infrared ray receiving terminal 124 is an infrared signal of representing account number in order to receive, and this infrared signal is preferably given with the emission of mobile phone mobile phone by the user, or is given by other small-sized infrared equipment emission.Networking contiguous block 125 then provides the linkage interface with this phone server-side 13, it preferably sees through value added networking special line and is connected to this computer server-side 13, in addition, also see through Internet, mobile phone networking or Wireless LAN (as Blue Teeth) and be connected to this computer server-side 13, this charge end reading device 12 also preferably has two identification card slots 126 and 127 again, wherein a slot 126 is in order to plug the shop identification card, to use for specific businessman for discerning and set this charge end reading device 12.And another slot 127 is in order to plug salesman's coded card, be somebody's turn to do the cashier of charge end reading device 12 for identifying operation, Fig. 3 B further specifies the mode of operation of this charge end reading device 12 again, it is presented at when handling transaction, the stateful transaction that can show many transactions on the screen 123 is in regular turn operated this charge end reading device 12 quickly and easily for the cashier.
Aforesaid computer server-side 13 can be had by the telephone operator that this action telephone bandset door number is provided, or one bank have, or had by the scientific ﹠ technical corporation of the described quick payment system of an independent management, so that to integrate the different computer company of each family or the client of each tame different bank.And the mode that the user is withholdd just can be by the bank card that has existed, bank account, telephone operator's bill, telephone operator's advance account, be based upon the advance account of scientific ﹠ technical corporation or be based upon in the house account of scientific ﹠ technical corporation and deducted.
Again in aforesaid quick payment system, it is that the news in brief that sees through phone networking l5 transmits or WAP (WirclessApplication Protocol) agreement and carrying out that the message of this action telephone bandset 11 and this computer server-side 13 transmits, and need not the line that dials.
And be allow the user simply operational action telephone bandset 11 to carry out above-mentioned high-speed payment method, this action telephone bandset 11 is preferably provided with a little software so that suitable human-machine interface function to be provided, as shown in Figure 4, its explanation utilizes this software to select the service of payment fast, and the place and the amount of money of transaction are presented at situation on the mobile phone mobile phone 11, so that be well understood to the situation of transaction for the user, and the operation of selecting and confirming with the button of mobile phone mobile phone 11, this software then is can be stored in the SIM card of this action telephone bandset 11, or in the memory of mobile phone mobile phone 11.
High-speed payment method of the present invention is not limited to use super merchant, the gas station, the transaction of places of business such as supermarket, Fig. 5 illustrates that its land used desires the flow chart of cash payment or credit line on shopping website, Fig. 6 illustrates that then it is at vending machine, ticket machine, the parking lot payment machine, desire the flow chart of cash payment or credit line on the automatons such as ATM withdrawal machine, the difference of above-mentioned flow process and described embodiment is only in step S1 ' and S1 ', the user provides payment webpage or the automaton that account number is given the website, but not the cashier of sales counter, that is are the computers that become with the Internet line by the operated charge end reading device 12 of cashier, or has a vending machine of scanning means or infrared ray reading device, ticket machine, the parking lot payment machine, ATM withdrawal machine etc.In addition, as shown in Figure 7, this charge end reading device 12 also can one has the mobile phone mobile phone of a bar code scan element 71 and an infrared receiver 72, import by button, the scanning of 71 pairs of account number bar codes of scanning element, or infrared receiver 72 receives the infrared signal of representing account number, can read user's mobile phone mobile phone 11 pairing account numbers, also carry out high-speed payment method of the present invention, by and can see through the mobile phone network communication in mobile phone mobile phone 11 of this charge end mobile phone and user, therefore, see through the account number that the mobile computer networking is informed by the user, and on charge end mobile phone, import with button, can reach the effect that both also conclude the business in different places.
In addition, high-speed payment method of the present invention also can be used for the timing of small amount and pays, the for example parking meter of generally when service finishes, just paying the bill or the use of application terminal, the networking equipment that pays fees by the hour etc., with reference to shown in Figure 8, when carrying out this type of transaction, the user gives pay fees by the hour machine via the mode that scanning or infrared ray read with account number with its mobile phone mobile phone 11, account is promptly sent to far-end computer server-side 13 (step S8-1), and in step S8-2, after far-end computer server-side 13 is received message, with checking posting pipe data bank 131, whether be correct and useful code name to judge account.As not, then the machine explanation that pays fees by the hour of computer server-side 13 restore messages is rejected (step S8-3) because of the account number mistake causes transaction.As being judged as of step S8-2 be, then computer server-side 13 is sent the machine room computer of message to computer company 14, transmit the mobile phone mobile phone 11 that an inquiry message is given this user to see through mobile computer networking 15, with the transaction of inquiring whether the user pays fees by the hour, and or require the user to import PIN (step S8-4) simultaneously.
Among the step S8-5 after step S8-4, user's mobile phone mobile phone 11 will be received the inquiry that telephone operator 14 sends here, so that whether the transaction event that supplies user's judgement to pay fees by the hour truly takes place but not falsely uses, mistake in this way, then user's input " NO " refuse payment (step S8-6) on the telephone bandset 11 in action, and see through computer server-side 13 restore messages to paying fees by the hour machine (step S8-3), because of refusing to pay, the user cause transaction to be rejected with explanation.
As the transaction event that pays fees by the hour is really for true, then the user on mobile phone, import " YES '; or also import PIN simultaneously; to agree transaction (step S8-7); and via mobile phone networking 15 with the message company 14 that rings back; telephone operator 14 replies to message above-mentioned far-end computer server-side 13 again, so that notify this machine that pays fees by the hour pick up counting (step S8-8).
And when decision finishes the timing service, the user can be via operational action telephone bandset 11 or the machine that pays fees by the hour to stop timing (step S8-9), the message that this paying machine is about to stop timing reaching this computer server-side 13, so that calculate required expense (step S8-10), the operation (step S8-11) of withholing again, in addition, this far-end computer server-side 13 and send a message and reply to metered machine and be accepted (step S8-12) with explanation transaction.
By above explanation as can be known; high-speed payment method of the present invention and system utilize the mobile phone mobile phone to receive the computer server-side to see through the YES/NO checking that transmit at the mobile phone networking and come; even requirement input PIN; therefore, fully reached function false proof and authentication, and the user can carry the mobile phone mobile phone; and can reach the purpose of concluding the business face-to-face; if the mobile phone lost mobile phone can be handled the function of stopping talking about to stop to be correlated with, immediately so there is not risk.In addition, as be the action of further exempting storage PIN and input PIN, or prevent the possibility that PIN leaks, also can adopt mobile phone mobile phone with biology (Biometrics) message (for example fingerprint, palmmprint, nethike embrane) discriminating function, replace the action of importing PIN with direct perception user's biological characteristic, can reach safe effect equally.
To sum up institute is old, the present invention no matter with regard to purpose, means, and effect, showing that all it is totally different in the feature of known techniques, be the quantum jump of ecommerce in the design of bargain transaction, earnestly asking your juror perceives, grant quasi patent early, so that Jiahui society, the true feeling moral just.Only it should be noted that above-mentioned many embodiment give an example for convenience of explanation, the interest field that the present invention advocated should be as the criterion so that claim is described certainly, but not only limits to the foregoing description.
Claims (41)
1. immediate payment system that utilizes mobile communication equipment is characterized in that this system mainly comprises:
One user's mobile communication equipment, its correspondence one is represented user individual's account number;
One charge end reading device, it is in order to reading and to show transaction data, and can read this user's the pairing account number of mobile communication equipment; And
One far-end computer department clothes end, it is and this charge end reading device line, to receive by this charge end account number that reading device was read and corresponding transaction data, after the correctness through confirming account and the validity of transaction data, see through mobile communication network and call out this user's mobile communication equipment, informing this transaction data of user, so that utilize this action communication apparatus to add their confirmation and finish transaction by the user by the demonstration of this action communication apparatus.
2. the immediate payment system that utilizes mobile communication equipment according to claim 1 is characterized in that, wherein this action communication apparatus is to be a mobile phone mobile phone, and this action communication network then is a mobile phone networking.
3. the immediate payment system that utilizes mobile communication equipment according to claim 2 is characterized in that, wherein when being utilized this action telephone bandset to confirm transaction by the user, must import one group of Personal Identification Number (PIN).
4. the immediate payment system that utilizes mobile communication equipment according to claim 3, it is characterized in that, wherein account is that pattern with bar code is attached on this action telephone bandset, and this charge end reading device then has a bar code scanner to read this bar code.
5. the immediate payment system that utilizes mobile communication equipment according to claim 2, it is characterized in that, wherein account is to be emitted by the pattern of this action telephone bandset with infrared signal, and this charge end reading device then has an infrared receiver to read this infrared signal.
6. the immediate payment system that utilizes mobile communication equipment according to claim 2 is characterized in that, wherein account is to be recorded on the card corresponding to this action telephone bandset.
7. the immediate payment system that utilizes mobile communication equipment according to claim 1 is characterized in that, wherein this charge end reading device has keyboard and screen, for be good for into and show this transaction data.
8. the immediate payment system that utilizes mobile communication equipment according to claim 7 is characterized in that, wherein this charge end reading device is to see through the private line access of value added networking to this server-side.
9. the immediate payment system that utilizes mobile communication equipment according to claim 7 is characterized in that, wherein this charge end reading device is to be connected to this server-side through Internet.
10. the immediate payment system that utilizes mobile communication equipment according to claim 7 is characterized in that, wherein this charge end reading device is to be connected to this server-side through the mobile phone networking.
11. the immediate payment system that utilizes mobile communication equipment according to claim 7 is characterized in that, wherein this charge end reading device is to be connected to this server-side through Wireless LAN.
12. the immediate payment system that utilizes mobile communication equipment according to claim 2 is characterized in that, wherein this computer server-side is had by the telephone operator that this action telephone bandset door number is provided.
13. the immediate payment system that utilizes mobile communication equipment according to claim 12, it is characterized in that, after wherein when the user finishes transaction with the affirmation of this action telephone bandset, this computer company's server-side is that the amount of money that will conclude the business is recorded on the bill of this action telephone bandset.
14. the immediate payment system that utilizes mobile communication equipment according to claim 2, it is characterized in that, wherein confirm and after finishing transaction when the user utilizes this action telephone bandset, this computer company's server-side be will transaction the amount of money can withhold to the user's of another bank bank account.
15. the immediate payment system that utilizes mobile communication equipment according to claim 2, it is characterized in that, wherein utilize this action telephone bandset to confirm and after finishing transaction, this computer server-side is that the amount of money of transaction is withholdd to the user's of another bank credit card account as the user.
16. the immediate payment system that utilizes mobile communication equipment according to claim 2 is characterized in that, wherein the transmission of the message of this action telephone bandset and this computer server-side is to see through the news in brief at mobile phone networking to transmit.
17. the immediate payment system that utilizes mobile communication equipment according to claim 2 is characterized in that, wherein the transmission of the message of this action telephone bandset and this computer server-side is to see through the WAP at mobile phone networking agreement.
18. the immediate payment system that utilizes mobile communication equipment according to claim 1, it is characterized in that, wherein this computer server-side is after the correctness of confirming account, and whether enough, so that and the validity of confirming transaction data if needing bank under account to inquire about its remaining sum.
19. the immediate payment system that utilizes mobile communication equipment according to claim 1 is characterized in that, wherein this charge end reading device be for one with the computer of Internet line.
20. the immediate payment system that utilizes mobile communication equipment according to claim 1 is characterized in that, wherein this charge end reading device is the mobile phone mobile phone that has scanning element or an infrared receiver for.
21. the immediate payment system that utilizes mobile communication equipment according to claim 2, it is characterized in that, wherein this charge reading device also is a mobile phone mobile phone, via the communication of the mobile phone mobile phone of this charge end and this user's mobile phone mobile phone through the mobile phone networking, on the charge end can be informed the user through the mobile phone networking account number is being charged the end mobile phone,, reach according to this in different places and conclude the business with the button input.
22. the immediate payment system that utilizes mobile communication equipment according to claim 1 is characterized in that, wherein this charge end reading device is to be vending machine, ticket machine, parking lot paying machine or ATM withdrawal machine.
23. the immediate payment system that utilizes mobile communication equipment according to claim 2, it is characterized in that, wherein this action telephone bandset be have a human interface software for user's handled easily this action telephone bandset to conclude the business, this software is to be stored in the SIM card or memory of this action telephone bandset.
24. an immediate payment method of utilizing mobile communication equipment is characterized in that this method mainly comprises following step:
(A) read user's account number and dealing money;
(B) see through mobile communication network and transmit message that whether the inquiry user conclude the business mobile communication equipment, whether confirm this transaction with the inquiry user to the user; And
(C) deduct the amount of money of this transaction according to account.
25. the immediate payment method of utilizing mobile communication equipment according to claim 24 is characterized in that, wherein also comprises following step in step (A) and (B):
(I) incorrect or invalid as the account number that is read, then refusal transaction; And
(J) unacceptable as the dealing money that is read, then refusal transaction.
26. the immediate payment method of utilizing mobile communication equipment according to claim 25 is characterized in that, it is to judge to decline this inquiry as the user wherein also to comprise a step (K) in step (B) and (C), then refusal transaction.
27. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (B), when dealing money during greater than a preset value, the user will be required to import one group of Personal Identification Number (PIN).
28. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (A), account is that the pattern with bar code is attached on user's the mobile communication equipment for reading.
29. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (A), account is read by the charge end reading device at the charge sales counter.
30. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, in step (I) and (J), is performed by the computer server-side of a far-end to the judgement of account and dealing money wherein.
31. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (B), the user utilizes this action communication apparatus to promise or to decline this inquiry.
32. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (C), the amount of money of this transaction is to deduct on the bill by the pairing mobile communication equipment of account.
33. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (C), the amount of money of this transaction is by the pairing user's account No. deduction of account.
34. the immediate payment method of utilizing mobile communication equipment according to claim 26 is characterized in that, wherein in step (C), the amount of money of this transaction is by the pairing user's credit card account deduction of account.
35. an immediate payment method of utilizing mobile communication equipment is characterized in that this method mainly comprises following step:
(A) read user's account number;
(B) see through mobile communication network and transmit message that whether the inquiry user conclude the business mobile communication equipment, whether confirm this transaction with the inquiry user to the user; And
(C) charge that picks up counting, and when timing finishes, deduct the amount of money of this transaction according to account.
36. the immediate payment method of utilizing mobile communication equipment according to claim 35 is characterized in that, wherein also comprises next step (I) in step (A) and (B), it is that judgement is incorrect or invalid as the account number that is read, then refusal transaction.
37. the immediate payment method of utilizing mobile communication equipment according to claim 36 is characterized in that, it is to judge to decline this inquiry as the user wherein also to comprise next step (J) in step (A) and (B), then refusal transaction.
38., it is characterized in that wherein in step (B), the user need import one group of Personal Identification Number (PIN) according to the described immediate payment method of utilizing mobile communication equipment of claim 37.
39., it is characterized in that wherein in step (A), account is the mode that reads via scanning or infrared ray and being read according to the described immediate payment method of utilizing mobile communication equipment of claim 37.
40., it is characterized in that,, be performed by the computer server-side of a far-end to the judgement of account wherein in step (I) according to the described immediate payment method of utilizing mobile communication equipment of claim 37.
41., it is characterized in that wherein in step (B), the user utilizes this action communication apparatus to promise or to decline this inquiry according to the described immediate payment method of utilizing mobile communication equipment of claim 37.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN00100710.6A CN1307425A (en) | 2000-02-01 | 2000-02-01 | Instant payment method and system using mobile communication equipment |
| AU2001233569A AU2001233569A1 (en) | 2000-02-01 | 2001-01-22 | An instant payment method and system with a mobile communication equipment |
| PCT/CN2001/000095 WO2001057808A1 (en) | 2000-02-01 | 2001-01-22 | An instant payment method and system with a mobile communication equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN00100710.6A CN1307425A (en) | 2000-02-01 | 2000-02-01 | Instant payment method and system using mobile communication equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1307425A true CN1307425A (en) | 2001-08-08 |
Family
ID=4575627
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN00100710.6A Pending CN1307425A (en) | 2000-02-01 | 2000-02-01 | Instant payment method and system using mobile communication equipment |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN1307425A (en) |
| AU (1) | AU2001233569A1 (en) |
| WO (1) | WO2001057808A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102184603A (en) * | 2009-12-23 | 2011-09-14 | 耐点科技有限公司 | Processing method for electronic expense certification |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR3054345B1 (en) | 2016-07-22 | 2018-07-27 | Tagsys | SECURE RFID COMMUNICATION METHOD |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0960402B1 (en) * | 1996-06-19 | 2007-09-26 | Behruz Vazvan | Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data |
| FR2779896B1 (en) * | 1998-06-15 | 2000-10-13 | Sfr Sa | METHOD FOR REMOTE PAYING, BY MEANS OF A MOBILE RADIOTELEPHONE, THE ACQUISITION OF A GOOD AND / OR A SERVICE AND CORRESPONDING MOBILE RADIOTELEPHONE SYSTEM AND |
-
2000
- 2000-02-01 CN CN00100710.6A patent/CN1307425A/en active Pending
-
2001
- 2001-01-22 AU AU2001233569A patent/AU2001233569A1/en not_active Abandoned
- 2001-01-22 WO PCT/CN2001/000095 patent/WO2001057808A1/en active Application Filing
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102184603A (en) * | 2009-12-23 | 2011-09-14 | 耐点科技有限公司 | Processing method for electronic expense certification |
Also Published As
| Publication number | Publication date |
|---|---|
| AU2001233569A1 (en) | 2001-08-14 |
| WO2001057808A1 (en) | 2001-08-09 |
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Owner name: JINLIU SOFTWARE( SHANGHAI ) CO., LTD. Free format text: FORMER OWNER: LI GUANLIN Owner name: NONE Free format text: FORMER OWNER: LEAH CORNELIUS MARIA Effective date: 20030506 |
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Effective date of registration: 20030506 Address after: Shanghai City Days Road 600 Lane 4, 18D (Civic Plaza) Applicant after: Golden flow software (Shanghai) Co., Ltd. Address before: No. 28, Guanghua Street, No. 4, Guanghua Road, Taiwan, Hsinchu Applicant before: Li Guanlin Co-applicant before: Jack Abden |
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