CN1989520A

CN1989520A - Transaction processing method, device and system

Info

Publication number: CN1989520A
Application number: CNA2005800251668A
Authority: CN
Inventors: 伊恩·查尔斯·奥格尔维
Original assignee: Individual
Current assignee: Individual
Priority date: 2004-06-25
Filing date: 2005-06-24
Publication date: 2007-06-27
Also published as: ZA200700671B

Abstract

The invention provides a transaction processing method, equipment and a system. The present invention relates to transaction processing for processing payments between payers (typically individual payers) and payees (typically merchants). Payment transactions typically involve providing account details of a user to a merchant device, for example, by swiping a card in the merchant's card swipe device. The merchant device then prepares a transaction message including information such as the user's account ID, merchant ID, and payment information, and forwards the message to a transaction processing system that may include an acquirer and an issuing bank. The transaction processing system approves the payment and returns a confirmation to the merchant. In the present invention, the device associated with the payee, which in the preferred embodiment is a suitably adapted mobile phone, is involved in the payment transaction processing. In one aspect, the transaction processing system requests confirmation from the payer electronic device that the transaction should be conducted, and the payer enters the correct PIN to authorize the transaction. On the other hand, all transaction processing information is provided from the payer electronic device to the transaction processing system, and then the transaction processing system or the payer electronic device confirms that the transaction is authorized to the merchant device. This relieves the merchant of the burden of transaction processing and also enhances the security of the transaction as the payer is in control. In another embodiment, the payer electronic device may also upload a list of products and select a product while paying for the product, the selected product being notified to the payee (merchant).

Description

Transaction processing method, equipment and system

Technical field

Present invention relates in general to transaction processing method and system, more specifically but not exclusively relate to and be used to make things convenient for payer's (it can be the member of the general public) and be subjected to pay between the people (it is businessman normally) in the point of sale or the transaction processing system of on-line payment.

Background technology

Payment to product or service is carried out in the electronics mode usually.For example, can utilize credit card or debit card to pay, can after the payer has authorized account transfer, directly or by the startup of one or more intermediaries transfer accounts to the account's who is subjected to pair people payment such as the financial institution of bank.Account transfer is authorized and for example can be comprised to being subjected to a pair people that credit card or debit card are provided and signing on invoice.Then, be subjected to pay the people signature of payer on signature on the invoice and card compared,, then accept the mandate of payment if he pleases oneself.

Proposed many additive methods and allowed payer's " signature " conclude the business,, for example comprised pin sign indicating number safe in utilization so that payment is examined.

Yet, still have a large amount of security risks that need consideration.For example, use the payment of credit card or debit card to require usually to be subjected to pay the people till invoicing and signed invoice blocking to give in short time.Magnetic stripe card duplicates on relatively inexpensive equipment easily, and the card that duplicates can be used to carry out fraudulent transactions.There is safety problem in the electronic fare payment system that relates to the internet.Usually need a kind of payment system that improved security and convenience are provided.

In addition, be to be subjected to pay between people or merchant device and the transaction processing system (normally receiving single file and one or more issuing bank) processing transaction processing communicate by letter (message that comprises payment information, for example payer's account ID, Merchant ID, turnover etc.) conventionally with handling general example that payment transaction is associated.The payer seldom comprehends transaction processing except providing outside its account detail (as mentioned above, these details are disclosed then, thereby are used to the rogue purposes).Also nobody proposes the system of alternative conventional merchant device/transaction processing system structure.

Summary of the invention

According to first aspect, the invention provides a kind of method of paying, this method may further comprise the steps:

The information that is associated with the payer is provided, provides this information in the mode that is subjected to pay addressable this information of people,

By receiving and pay relevant information with payer's electronic equipment that the payer is associated, and

Utilize the described electronic equipment that is associated with the payer to provide the instruction of paying.

Nowadays, public member holds one or more electronic equipment usually.For example, mobile phone is ubiquitous.In one embodiment, described method comprises that this ubiquitous electronic equipment that utilization is associated with the payer provides the instruction of paying.Electronic equipment can be special-purpose payer's electronic equipment or can be mobile phone through repacking.

Therefore, each payer can hold the electronic equipment that is associated with them, and they can use this electronic equipment that the instruction of paying is provided.The instruction of paying in one embodiment, can only be the affirmation that should proceed to pay at transaction processing system.Yet this has increased the additional layer of security (requiring the information from the electronic equipment that is associated with the payer) that current exchange lacks.

Payment can be the payment of showing card (card-present), and for example described payer parent goes to point of sale (" POS ").Transaction can be the non-payment of showing card, for example internet payment.Be (for example internet payment) under the situation of on-line payment in payment, electronic equipment is not the payer with the computing machine that visits merchant web site, but independent electronic equipment.

In one embodiment, (for example, by comprising the appropriate software application), payer's electronic equipment was set to discern payment information.In one embodiment, can use the software of realizing payment information identification in the mode that is similar to this transaction processing software, make payer's electronic equipment can express the message that comprises payment information, and these message are sent to transaction system (for example, using by receiving single file and issuing bank).

In one embodiment, payer's electronic equipment can comprise safety practice, to increase the security of handling.These safety practices can comprise and send digital signature as described affirmation, and in one embodiment, payer's electronic equipment may need the user to import message such as PIN on keyboard.In one embodiment, firmware may be imported PIN in response to the payment information on the display that appears at this equipment, utilizes payment to use under the unwitting situation of payer to prevent the hacker.

In one embodiment, the information relevant with payment can comprise product information, and this product information is the form that comprises the tabulation of at least one product identifiers.In this case, described method comprises that also payer's electronic equipment selects the step of at least one product identifiers, and the information that is associated with the payer comprises selected product identifiers.In one embodiment, can provide the tabulation that comprises a plurality of product identifiers for payer's electronic equipment, the payer can select from this tabulation then.This selection offered be subjected to pay people's electronic equipment, therefore, be subjected to pay a people and product can be offered the payer.

Be subjected to pay the people and receive product " order ", this order may be paid simultaneously, and this is very favorable.This makes the user to buy simultaneously and to pay.

In one embodiment, payer's electronic equipment can obtain all required payment informations of transaction processing from being subjected to pay people's electronic equipment, can utilize disposal system directly to handle described transaction processing then.This has reduced businessman and has carried out the burden of transaction processing, and makes individual payer to control fully processing, and does not need them for example their credit card details to be consigned to businessman.On the contrary, payer's electronic equipment provides account detail to transaction processing system.

According to second aspect, the invention provides a kind of method of handling payment transaction, this method may further comprise the steps: transaction processing system receives the instruction of paying from the payer's electronic equipment that is associated with the payer; The transaction processing system authority to pay; And transaction processing system provides the affirmation of authority to pay account transfer.

According to the third aspect, the invention provides a kind of being convenient to from the payer to being subjected to pay the equipment (apparatus) that the people pays transaction, described equipment comprises the payer's electronic equipment that is associated with the payer, and described payer's electronic equipment comprises: be used to receive and the payment information receiving trap of paying relevant information; With the payment instruction issue device that is used to provide the instruction of paying.

According to fourth aspect, the invention provides a kind of transaction processing system that is used to handle payment transaction, described system comprises: the payment instruction receiving trap is configured to receive from the payer to being subjected to pay the instruction that the people pays from the payer's electronic equipment that is associated with the payer; And the payment processes device, be used to authorize from payer account to the funds transfer that is subjected to pay people account.

According to the 5th aspect, the invention provides a kind of equipment of being convenient to handle transaction, described equipment comprise be configured to communicate according to the transaction processing system of fourth aspect be subjected to pay people's electronic equipment.

According to the 6th aspect, the invention provides a kind of database, this database comprises the available a plurality of product tabulations of payer's electronic equipment, thus, payer's electronic equipment can be selected one or more product from these product tabulations, be subjected to a pair people to satisfy its product demand to send to.

According to the 7th aspect, the invention provides a kind of inactive component, this inactive component is constructed to and can be read by payer's electronic equipment, so that payment transaction.

According to eight aspect, the invention provides a kind of inactive component, this inactive component comprises the information that is used to identify application, makes electronic equipment can use this information to handle the information that is associated with described inactive component.

According to the 9th aspect, the invention provides a kind of method that starts software application, said method comprising the steps of: utilize the inactive component comprise following information, this message identification the position of described software application; This information is uploaded to subscriber equipment; And utilize this subscriber equipment to obtain described application from remote location.

According to the tenth aspect, the invention provides to organize the method for formation a kind of, said method comprising the steps of: provide information to user's mobile phone, this information representation the position of user in described formation; And along with described user moving of position and upgrade described information in described formation.

Description of drawings

With reference to accompanying drawing, it is clear that characteristics of the present invention and advantage will become only by the explanation of by way of example to the embodiment of the invention according to following, in the accompanying drawing:

Fig. 1 is according to the general method of payment of the embodiment of the invention and the schematic block diagram of system;

Fig. 2 is the schematic block diagram that illustrates in greater detail according to the payment system of the embodiment of the invention;

Fig. 3 is the process flow diagram of a possible operation that the payment system of Fig. 2 is shown;

Fig. 4 is the block diagram that the payment system of utilizing the embodiment of the invention is shown;

Fig. 5 is the process flow diagram that an operational processes of the system that utilizes Fig. 4 is shown;

Fig. 6 is the illustration block diagram of the operation of system in accordance with another embodiment of the present invention;

Fig. 7 is the process flow diagram of a possible operation of the system of illustration Fig. 6;

Fig. 8 is the illustration block diagram of the operation of payment system in accordance with another embodiment of the present invention;

Fig. 9 is the process flow diagram of a possible operation that the system of Fig. 8 is shown;

Figure 10 illustrates the block diagram of the operation of payment system in accordance with another embodiment of the present invention;

Figure 11 is the process flow diagram of a possible operation of the system of illustration Figure 10;

Figure 12 illustrates the block diagram of the operation of system in accordance with another embodiment of the present invention;

Figure 13 is the process flow diagram of a possible operation that the system of Figure 12 is shown;

Figure 14 illustrates the block diagram of the operation of system in accordance with another embodiment of the present invention;

Figure 15 be illustrate one of operation of system of Figure 14 can treatable process flow diagram;

Figure 16 is the exemplary view of " menu " on the payer's electronic equipment that appears in the system of Figure 14;

Figure 17 illustrates the process flow diagram of handling in accordance with another embodiment of the present invention;

Figure 18 illustrates the block diagram of the application of system in accordance with another embodiment of the present invention;

Figure 19 illustrates the more detailed block diagram that may be included in according to the parts in the transaction processing system of the embodiment of the invention; And

Figure 20 is the block diagram according to payer's electronic equipment of the embodiment of the invention.

Embodiment

Fig. 1 is " summary " view that can be used for realizing the equipment of different embodiments of the invention.Conventional payment transaction only needs to handle payment with the electronic equipment (" merchant device ") and the transaction processing system (it can comprise receipts single file/gateway and financial institution usually) that be associated by pair people usually, different with it, embodiments of the invention also need comprise another integral body (electronic equipment that is associated with the payer) in transaction processing.

In conventional system, merchant device comes to obtain account's identification data from the payer by brush magnetic card (or from smart card acquired information) usually.Then, merchant device is prepared to comprise the message of all payment informations (for example, Merchant ID, disbursement account, merchant account, payer's account ID etc.) and this message is sent to transaction processing system.Then, transaction processing system can be checked payer's account, conclude the business to guarantee to obtain enough funds (depend on whether exist be associated exempt from the authorized transactions amount of money (floor limit)), and the judgement that will ratify transaction or refusal transaction turns back to merchant device with the account.If receive Trading Authorization (approval), then businessman's (being subjected to pay the people) can be sure of to conclude the business and will proceed.

There are above-mentioned all safety problems in this conventional processing, also needs each to be subjected to pay the people and all utilizes the infrastructure that is associated with payment processing system.

According to embodiments of the invention, transaction processing system 2 carries out payer's electronic equipment 1 that need be associated with the payer to the payment transaction that is subjected to pay the people from the payer.In the embodiment according to Fig. 1, the information 3 that is associated with the payer will be provided for and be subjected to pay people's electronic equipment 4.As seeing in instructions after a while, information 3 can comprise different key elements (element).For example, it can comprise payer's account detail or only comprise authority to pay people and be subjected to pay the affirmation of concluding the business between the people.

Yet, under the situation that does not comprise payer's electronic equipment 1, incite somebody to action not authorized transactions.This has increased extra safe floor, in some embodiment (to be described), is very easy to the payer that exchange relates to and is subjected to pay a people.In certain embodiments, can eliminate the demand that is subjected to pay the people that will relate to in the payment transaction processing.On the contrary, the payer becomes the main channel that starts and handle payment transaction.This is the change (shift) of conventional example that businessman is responsible for concluding the business.Embodiment makes the payer can keep their all account details, makes them need not to pass through businessman and do not damage security.

Embodiments of the invention have realized comprising the mixing of many aspects of payer's electronic equipment 1.On an aspect, payer's electronic equipment only provides the affirmation that proceed to pay, otherwise transaction is basically by being subjected to pair people's electronic equipment and transaction processing system processed in a conventional manner.

On another aspect, payer's electronic equipment starts payment processes, and the transaction of processing and transaction processing system transmission message.In this embodiment, be subjected to pay people's electronic equipment and can receive only the affirmation that payment has taken place, all processing are all undertaken by payer's electronic equipment.

On another aspect of mixing, a kind of device can be provided, wherein payer's electronic equipment can be selected product by transaction processing system, and pays this product.

(first aspect) in one embodiment, the information that is associated with the payer can be by device 3 account informations that provide, device 3 information that are used to provide such as visa card, credit card, account card or smart card.Read information and the information relevant with payment is sent to transaction processing system 2 from blocking 3 with pair people's electronic equipment 4 (for example card-reading apparatus) that is subjected to that be associated by pair people.To describe transaction processing system 2 in more detail after a while, but it generally includes transaction gateway or receipts single file, can also comprise the hair fastener financial institution such as issuing bank.This is the structure of standard, and wherein transaction gateway receives process information and checks with the issuing bank that the payer can pay.In this embodiment, transaction processing system 2 communicates with payer's electronic equipment 1 subsequently, with the affirmation that obtains from payer's electronic equipment 1 proceed to pay.

Payer's electronic equipment 1 among this embodiment is through the mobile phone of repacking, will be described in more detail it in instructions after a while.Payer's electronic equipment 1 sends to transaction processing system 2 to be confirmed, transaction processing system 2 sends payment authorization to being subjected to pay people's electronic equipment 4 then.

Fig. 2 shows the expression of different aspects embodiment, it comprise through payer's electronic equipment 1 of the mobile phone form of repacking, have card reader 10 conventional card reader form be subjected to pay people's electronic equipment 4, display 11 and a keyboard 12.Transaction processing system is still represented by piece 2.The payer holds card 3 (can be credit card).Now with reference to the process flow diagram of Fig. 3 transaction processing according to the embodiment of Fig. 2 is described.

In step 13, the brush payer blocks 3 in being subjected to pair people's equipment card reader 10.In the following description, should be noted that " being subjected to pay people's equipment " will be called as " merchant device " or " MD ".

In step 14, send transaction message to transaction processing system " TPS " 2 from MD 4.Transaction message can comprise carries out all conventionally included information of transaction processing, for example credit card details, disbursement account.

In step 15, TPS 2 sends to payer's equipment (" PD ") 1 and is used to confirm the request (" confirming request ") that proceed to pay.

In step 16, the payer utilizes the keyboard 20 of PD 1 to press acknowledgement key.Then, PD 1 sends to TPS 2 and confirms.

In step 17, TPS 2 sends Trading Authorization to MD 4.

The advantage that comprises payer's electronic equipment 1 in processing is to provide other security for transaction.The payer not only needs his credit card, and needs his mobile phone through repacking of visit, and transaction is proceeded.The payer may need to key in the security code such as PIN, and transaction processing system can compare it with the PIN that is stored in the database.

The fraudster wants credit card, its mobile phone of calling party, also will know PIN, so that fraudulent trading is carried out forward, this is unlikely.

Can implement other safety practices.In one embodiment, can between transaction processing system and PD 1, use the digital signature safety configurations.

In another embodiment, carry out forward, can in PD 1, use firmware to guarantee that the payer must activate input media (keyboard 20) in order to ensure payment transaction.Thereby so just avoided the hacker under the unwitting situation of the owner of PD 1, to ratify payment transaction by the operated from a distance phone.For this firmware, the hacker can not change this firmware, and requires payer 1 to key in affirmation by keyboard 20.Firmware 1 also can be constructed to require payment information to appear on the display 21 of PD 1, thereby for example the payer can browse the payment information such as payment before keying in affirmation.

In the modified example of processing shown in Figure 3, replace or send the Trading Authorization (step 17) to MD 4 except that TPS 2, at step 17A, TPS 2 sends Trading Authorization to PD 1.Then, for example, the payer shows mandate (mandate appears on the screen of PD 1) to being subjected to pay the people.In one embodiment, authorize details to be provided on the screen 21 of PD 1 by coding form (this coding form can by the suitable reader identification that can be provided with MD 4).Not shown reader among Fig. 2, but reader can be arranged on the MD 4.For example, coding can be the bar code that will be read by the suitable barcode reader on the MD 4 that appears on the screen 21.

Can also send the receipt of payment usefulness to PD 1, PD 1 can have the application that is used for the store transaction receipt and keeps accounts thus.

Use the electronic installation that is associated with the payer to confirm that the ability that proceed payment transaction also can be applicable to online transaction (and transaction of above-mentioned point of sale (POS) type).

With reference to Fig. 4, typical online transaction comprises that the payer is via internet 25 and the merchant web site 27 of utilizing the computer access such as PC26 to be provided by business server 28.After selecting product, the payer imports its credit card details.Then, business server 28 continues to handle this payment transaction.As everyone knows, this processing is subject to deception.

According to embodiments of the invention, the PD 1 that is associated with the payer can be used for strengthening security.The transaction processing of carrying out according to this embodiment is described now with reference to Fig. 5.

In step 29, the payer selects commodity and imports its account details (normally credit card number) in merchant web site 27 from merchant web site 27.

In step 30, send transaction message commonly used to TPS 2 from business server 28.

According to this embodiment, TPS 2 sends the request that affirmation should be proceeded to pay to PD 1 subsequently.The payer keys on its PD 1 and confirms (step 32), and PD 1 sends to TPS2 with this affirmation.

Then, TPS 2 sends Trading Authorization (step 33) to business server 28.

TPS can have database, and this database storing has the information (for example, Mobile Directory Number) that communicates with payer's electronic equipment of making it possible to.

The foregoing description relates generally to payer's electronic equipment, its be used for by require from payer's electronic equipment to proceeding the affirmation of payment transaction, other safe floor is provided.Payer's electronic equipment also can be used for receiving Trading Authorization and receipt, but in fact, transaction processing is conventional, and sending out of most of message is subjected to pay between people's electronic equipment and the transaction processing system now.In following examples, payer's electronic equipment can be born more transaction processing, and this can bring the operation of transaction processing to improve easily usually.

With reference to Fig. 2, PD 1 is provided with some can realize local communicating devices 35.Be used to realize that local communicating devices 35 comprises " access means ", and can comprise the contactless smart card that is arranged on (perhaps attaching to mobile phone) in the mobile phone.Be subjected to pay people's electronic equipment 4 and be provided with suitable reader 36.Access means 35 when touching reader 36 or with reader 36 very near the time, being set to provides the information that MD 4 can be subsequently communicated with PD 1 to MD 4.For example, identification information can be a telephone number, thereby MD 4 can use mobile telephone network to contact with PD 1.Select as another kind, can use Local wireless network (Bluetooth for example ^TM) between PD 1 and MD 4, communicate.Therefore, MD 4 can send the information relevant with payment to PD 1.This can make PD 1 can play the part of more positive role in process of exchange.

In one embodiment, MD 4 can send payment to PD 1.Then, payer 1 can change (appearing on the screen 21) payment and will change after payment send back MD 4 and be used for follow-up transaction processing.For example, this embodiment can be very useful under " tip " situation.For example, in the restaurant, the payer can utilize PD 1 their tip of input, contingent any swindle operation when this will prevent to import tip by hand on payment slip.Remaining transaction processing can be carried out according to the PD 1 desired affirmation of passing through described in the foregoing description.

Fig. 7 is the process flow diagram that the payment processes that the embodiment that can utilize Fig. 6 realizes is shown.

In step 38, the brush payer blocks 3 in the card reader 10 of MD 4.

In step 39, send transaction message and Transaction Information to TPS 2 from MD 4.Then, PD1 sends radio communication information via access means 35 and reader 36 to MD 4, to realize the radio communication (step 40) between MD4 and the PD 1.

In step 41, MD 4 wirelessly sends " Payment Request " to PD 1.Payment Request can comprise payment information, for example payment.It should be noted that if give the right to choose that the payer changes payment information (can change payment), then MD 4 can wait for the answer (that is, step 39 will further be carried out along process flow diagram) from PD 1 downwards before sending transaction message to TPS.

In step 42, (and having imported any further information, as the change of payment, afterwards), PD 1 sends the affirmation that proceed to conclude the business to TPS 2 in response to the Payment Request from MD 4.

In step 43, TPS 2 sends Trading Authorization to MD 4 subsequently, makes to be subjected to pay a people and to know that transaction can proceed.Select as another kind, TPS 2 sends Trading Authorization at step 43A to PD 1, and (and at 43B), PD 1 wirelessly sends mandate to MD 4.

It should be noted, can not need independent access means (for example smart card 35), opposite access means for example can be incorporated among the PD 1 and MD 4 of appropriate structuring, to allow direct radio communication.

In the embodiment of Fig. 6 and Fig. 7, the payer still swipes the card in being subjected to pair people's equipment, and merchant device is still handled the overwhelming majority of transaction processing.Fig. 8 illustration wherein to conclude the business, the payer need not the embodiment of any card or equipment except payer's equipment 1.

Access means 35 and reader 36 (perhaps, as mentioned above, equipment 1 and 4 can suitably be configured to carries out initialization in certain other modes to short-haul connections) can still be set.In this embodiment, PD 1 also comprises and makes its application that can express transaction message used in the transaction processing (can be implemented as software).

With reference to Fig. 9, in order to bear payment transaction, PD 1 sets up each other with MD 4 and communicates by letter.Then, in step 45, MD 4 wirelessly sends payment information to PD 1, and this payment information comprises handles the required information of payment, for example Merchant ID and payment.

In step 46, send transaction message from PD 1 to TPS 2, thereby can discern payer account, this transaction message comprises the general information that transaction processing is required, for example Merchant ID, payment and payer's identity.Simultaneously, transaction message can comprise the affirmation that proceed to conclude the business.

In step 47, TPS 1 can send Trading Authorization to MD 4.Select as another kind, at step 47A, PD 1 can receive the Trading Authorization that sends from TPS 2, and at step 47B, PD 1 wirelessly sends to MD 4 and authorizes.

It should be understood that if selected path 47A and 47B, then do not need to have the merchant device of the ability that communicates with TPS 2.Therefore, can provide only have be used for and be subjected to pay local communication device that people's electronic equipment (for example wirelessly) communicates be subjected to pay people's electronic equipment, payer's electronic equipment carries out a large amount of transaction processing communication subsequently.The major advantage of this structure is that payer's account detail (for example credit card details) can not need through merchant device.In addition, from angle convenient and safety, the payer has control completely to transaction.As described in conjunction with the foregoing description, payment information can appear on the screen 21, thereby the payer can browse this information, comes change information (for example changing tip) etc. by keyboard input 20.The payer has control completely.

It should be noted that in the modified example of this embodiment, all communications all can be passed through MD 4.That is, can prepare payment message by PD 1, then with its local wireless be sent to MD 4 so that be delivered to transaction processing system subsequently.This is the full selection of feeling unwell, because all payer's information all will be through merchant device.Yet this may be (when for example, having difficult communication between PD and transaction processing system 2) easily in some cases.

Payer's account ID can send with digital signature by encrypted form.Can use any secrecy provision.In one embodiment, transaction processing system 2 is preserved the database of " division " account number.That is, the part of account number is preserved by TPS 2 databases, and other parts of account are preserved by payer's equipment 1.Therefore, the hacker can not obtain all account IDs by invading PD 1.

In other selection, merchant device 4 can comprise 4A and 4B two parts (Fig. 8).The 4A part can be a mobile device, for example can be carried by operator (as the waiter in restaurant).The 4B part can be to be subjected to pay people's electronic equipment.The waiter can make the close PD 1 of equipment 4A with acquisition communication details (for example, initialize communications), thereby PD 1 can partly communicate with 4B subsequently, for example makes PD 1 can upload the transaction details, and continuous business is handled then.

Equipment 4A can provide the contact details to other parts of equipment 4B.In fact equipment 4A can be inactive component, and it can be by powering from the electric power of PD 1.Under restaurant's situation, for example, 4A part can provide the information such as the dining table in the restaurant number, make subsequently with the communicating by letter of 4B part (it can be the electronic cash drawer) in, the payer can be identified as and be sitting in the people on the specific table in the restaurant, therefore, can partly calculate and generate payer's bill, send to the PD 1 that is associated with this payer then by 4B.

Two parts merchant device 4 can be taked to construct easily arbitrarily.In order to obtain payment information, the 4A part only needs to provide the information that makes payer's equipment 1 can contact (more complicated usually) 4B part.

Figure 10 illustration wherein PD 1 can tackle the system of the transaction processing of on-line payment.Use among Figure 10 with Fig. 4 in used identical label come parts like the representation class.

In this embodiment, PD 1 comprises the application that is used to transaction processing to prepare transaction message.

With reference to Figure 11, in step 50, the payer selects product via PC 26 and internet 25 from merchant web site 27.

In step 51, PD 1 uploads payment information, and this payment information comprises Merchant ID and payment (and any other information that makes transaction processing to need continue forward).Upload and to be undertaken by wired or wireless communication with PC 26.Select as another kind, when having selected product 27, the payer can provide the contact details of PD 1 to business server 28, and then, business server 28 can (for example, by the mobile telephone communications network network) send to PD 1 with payment information.In another kind is in addition selected, can save PC 26, and the direct access websites 27 of PD 1 (it can be the surfed the Net mobile phone through repacking), and upload payment information.

In step 52, prepare transaction message and send to TPS with trade confirmation and account ID by PD 1.

In step 53, TPS 2 sends Trading Authorization to business server.Subsequently, can be PD 1 and produce receipt (and it can send to PD 1 from business server).

Above-mentioned encryption and other safety practices can be applicable among this embodiment.The major advantage of this embodiment is to need not account detail (for example credit card details) is placed on the network (for example internet).

Figure 12 illustration an alternative embodiment of the invention.In this embodiment, payer's electronic equipment 1 comprises the reading device 55 that is configured to read from inactive component 56 payment information.In illustrated embodiment, reading device 55 is camera 55 (mobile phone generally all is provided with camera at present).Yet reading device can be any other reading device easily, as barcode scanner.In this embodiment, camera 55 uses with application software, makes mobile phone can detect from the inactive component image of camera and the information that is provided by inactive component is provided.

In addition, inactive component 56 needs not to be bar code, and can be can read so that any inactive component of payment information (for example RF) to be provided.

In one embodiment, the payment information that is provided by inactive component can be a Merchant ID, and PD1 can be communicated subsequently with as the merchant device among the embodiment of Fig. 84.Then, except the payment information that obtains from MD 4 via the reading device among inactive component and the PD 1 55, processing subsequent can be proceeded along the processing circuitry of Fig. 9.For example, inactive component can be in the restaurant the table on bar code.

On more complicated aspect, inactive component can provide the payment information that makes PD 1 can proceed and start payment transaction.For example, inactive component 56 can comprise that making the PD 1 that has the appropriate software application is that transaction processing system 2 is prepared the required enough information of Transaction Informations.

Now the operation of the system of Figure 12 will be described relatively with Figure 13.

In step 58, PD 1 obtains payment information from inactive component 56.In the embodiment of Figure 12, the payer utilizes his camera 55 to take pictures for bar code 56, and the application identification bar code on the PD 1 also obtains payment information.

In addition, in the embodiment of Figure 12, bar code 56 is provided with bill 57, and bill 57 for example can be a restaurant bill.Information on the bar code 56 comprises all information that the exchange of processing payment businessman (for example, the owner in restaurant) needs.That is, these information will comprise any other information that Merchant ID, payment and preparation transaction message are required.

In step 59, prepare transaction message and send to TPS 2 with trade confirmation and payer's account ID by PD 1.

In step 60, TPS 2 communicates with MD 70 and provides Trading Authorization to MD 70.Select as another kind, same as the previously described embodiments, TPS 60A can notify PD 1 Trading Authorization, and the PD at 60B place sends Trading Authorization to MD 70 then.MD 70 can produce receipt 71 and/or send electronic receipt to PD 1.Select as another kind, transaction processing system 2 can receive electronic receipt and send it to PD 1 from MD 17.

It should be understood that this structure has very big advantage.For example, the bill (for example, the charges for water and electricity bill) that receives by postal service can comprise inactive component, and this inactive component comprises and can be read by the reader of payer's electronic equipment so that payer's electronic equipment can be handled the payment information of bill payment.

In a further embodiment, inactive component can provide transaction id number, and the remote data base that requires PD 1 and (for example, merchant system is runed) to comprise this Transaction Information communicates.For example, this database can be associated with electronic cash register.Then, PD 1 collects desired payment information from database, and carries out transaction by communicating with TPS 2.In this embodiment, payer even can key in transaction id number by hand.

Note also that, in the foregoing description of payer's device processes transaction therein, merchant device must be constructed in response to being discerned by phone by the transaction processing of PD 1 startup or passing through the trading approving sign indicating number (or similar identifier) that TPS 2 sends.

Some illustrative case that wherein present embodiment will be very useful are as follows:

● produce the bill that has the bar code that comprises payment information by businessman's cashier's machine.PD 1 scanning bar code (taking pictures), the payer is via TPS 2 authorized transactions.The TPS approval is concluded the business and is notified the payer via PD 1.PD 1 is presented at the authorization code that place, businessman shop is read by barcode reader (not shown among Figure 12) on its screen 21.

● the modified example of above-mentioned example at be the response that will directly be sent to merchant device 70 via internet or other electronic systems from transaction processing system 2.

● the detail list (docket) that bar code is arranged is incorporated in generation at businessman cashier's machine place.Bar code is read by PD 1 by the payer at cafe dining table place.Handle payment and send response, perhaps even send to this dining table and provide on waiter's the phone of service to cashier's machine.Then, the consumer can leave away.

In a further embodiment, except providing the payment information, also can provide product information to payer's equipment.Product information can provide according to the tabular form that comprises at least one product identifiers, and payer's equipment comprises the device (it can be software application usually) that makes it possible to select product.Can (via being subjected to pay people's electronic equipment) be subjected to pay a people with selecting relevant information to send to product, be subjected to pay can also ordering products the people except paying to make payer's electronic equipment.This makes payer's electronic equipment can become " individual cashier's machine ".The payer can use themselves equipment to order and pay product simultaneously.

Product information can be provided by many devices, comprises by sending, upload from the internet from the inactive component (for example bar code) that is subjected to pay people's electronic equipment etc.

Figure 14 illustration according to the multiple choices that are used to obtain and utilize product information of this embodiment.It should be understood that the present invention is not limited to illustrative selection among Figure 14.

A kind of selection is to provide product information via inactive component (such as the bar code 71 that can be associated with product).In Figure 14, show an example with the form of restaurant menu 72, this restaurant menu comprises conventional item lists 73, and can be taken pictures by payer's PD 1 menu is uploaded to the bar code 71 of PD 1.

With reference to Figure 15, example process is as follows.

In step 80, PD 1 uploads the menu that comprises this product tabulation.Software application on the PD 1 can appear on the display 21 the product tabulation, and the payer can utilize input 20 to select (step 81) from tabulation.

In step 82, PD 1 preparation comprises the transaction message and the ordering products of any other information that Merchant ID, product IDs, account ID or processing exchange need.Transaction message is sent to TPS2.

TPS 2 selects product to be sent to MD 70 and to send payment authorization after TPS 2 authority to pay.

If product information relates to the menu in the restaurant, then receive the payer and select, and the payer selects to comprise payer's ID (for example, dining table number) and the product that the payer has selected tabulate (for example, food) by MD 70.Therefore, businessman can fill in order and F﹠B is offered the payer, be sure of simultaneously to know that they are paid.

In this embodiment, be subjected to pay the device that people's electronic equipment can be provided for showing order, this device is a printer in the illustrated embodiment of Figure 14, and this printer prints goes out order 74, the operator of businessman can easily handle order then, so that they can fill in order.

Transaction processing system 2 is incorporated into ordering system, and this ordering system is configured to handle order (product selection) and it is transmitted to and is subjected to pay a people.

Product information can provide by many modes, and can be used for the shopping of many aspects.Other examples of menu in the restaurant comprise:

● the product in shop/supermarket can be provided with the sign product and the bar code 71 of payment information is provided, and makes PD 1 can handle the payment transaction at product 85.In this case, PD 1 can select more than one product, and the total payment is also taked once to conclude the business.Then, TPS 2 these products of notice merchant device (in this case, can be electronic cash register) are purchased.Therefore, facilitated the login of cashier's machine automatically, can be without any need for the operation that is associated with the shop cashier's machine.Can adopt suitable system to remove any safety practice from product 85, the payer could be with product to leave the shop like this.Can generate (mentioned above) receipt for PD 1.

● can from database 86 (it is actually " shopping " database), download the product tabulation.This database can comprise a plurality of businessmans and a plurality of product tabulations that are associated with these businessmans.The payer can ask the menu of specific merchant or can browse tabulation and upload one or more menu via PD 1 (perhaps by transmit Merchant ID).They can do shopping subsequently and remotely obtain and payment for merchandise, or order and payment product and parent go to businessman's StoreFront (outlet) to receive commodity.Can in businessman's StoreFront, can guarantee commodity are offered correct people for PD 1 provides suitable receipt (for example, appearing at the bar code on the screen) with reference to this receipt.

● for example, this database can be restaurant and cafe take away service available menu.The example of this menu that uploads to PD 1 is shown in Figure 16.For example, the payer can be on duty and the menu of cafe be uploaded to their PD 1 in the way.They can import for the order of coffee, hamburger and cake and via TPS 2 order is sent to cafe, pay this order simultaneously.When they arrived cafe, their order may be all set.It should be noted, menu can provide from " general shopper database ", from the businessman system associated (for example, merchant web site) provides, and can upload to phone, perhaps provide from inactive component (for example bar code) via network (for example internet).

As mentioned above, be subjected to pay people's electronic equipment 70 and can include only printer, this printer is configured to receive Trading Authorization and print order (and printing receipt 74) from TPS 2.The main burden of payment processes is born by TPS 2 and PD 1.

Can carry out in the safety practice described in the embodiment before, for example confirm from the digital signature of PD 1 to payment.

It should be noted that in one embodiment, transaction processing system 2 can management database 86.In such an embodiment, PD 1 can send Merchant ID, optional product code or product family's codes to TPS 2, and TPS 2 accessible database 86 also send it back PD 1 with the menu (comprising price and description) of available article.The payer selects article via PD 1, sends item lists, shop ID (the optionally position in the shop) to TPS 2 then.Then, TPS obtains payment authorization and prepaid order is sent to the shop together with customer identification.As mentioned above, customer identification can comprise the code that need be complementary with the code that PD 1 provides with certain form (for example, bar code).

Then, businessman offers client with commodity (for example, the food of cafe, the deliver goods food of getting home, the commodity that deliver goods is got home, the commodity that can obtain at the delivery of cargo point (pick-up) in shop).Again as mentioned above, stop using (deactivation) of safe ID label can make the shopper make things convenient for the area commodity and leave the shop.

As mentioned above, in order to make out the bill and to order, payer's electronic equipment acquired information has multiple mode.For example, can utilize that light reads (for example, camera software), intellignet card fetch/RFID label reader waits the details that obtain the shop, is the position in the shop in some cases, for example table number or pay point.Can be by utilizing RFID reader/optical pickup scan articles, roll to select and click the product/services menu in the software that downloads on the phone, perhaps manual input product code is selected article.

Be five examples being used for the system applies restaurant, cafe etc. in ordering and pay of demonstration below according to the embodiment of the invention.

The restaurant that abundant service (full service) is provided of example 1-standard

1. produce bill and transmit with the cafe/table/amount of money of light/electronically readable;

2. client selects/takes pictures bill/wallet;

2 (a). when the amount of money is not on bill/wallet,, then the amount of money is sent to phone to the request of kitchen transmission for the amount of money;

3. client adds any tip and presses " OK " key, and all are finished.

Example 2-provides the cafe of abundant service

1. client selects/takes pictures table number (its be cafe/table number);

2. (via system) sends it back phone with the amount of money then to the request of kitchen transmission for the amount of money;

3. client adds any tip and presses " OK " key, and all are finished.

Example 3-orders and pays at sales counter cafe place (counter cafe)

1. client selects dining table number or is sitting in also unripe dining table at present from cashier;

2. client selects/takes pictures cafe/dining table number (this number also shown the phone that enters the pattern of ordering);

3. menu is sent to phone;

4. client presses " OK " key then by menu/blackboard input Item Number (great majority are double figures to the maximum).Select as another kind, client rolls the reading matter product and click " OK " key on the article that will order;

5. phone shows the order of finishing with the form of the text that has the amount of money.Phone sends order and remembers the amount of money (salt) with void, sends it back phone-order and pay a step to finish as text then!

4. in the kitchen, print the order bar;

5. the staff delivers ready order.

Example 4-fruit juice/sandwich bar/McDonald etc.

1. client's take pictures/select " cafe " number;

2. menu is sent to customer initiated call;

3. client presses " OK " key then by menu/blackboard input Item Number (great majority are double figures to the maximum).Select as another kind, client rolls the reading matter product and click " OK " key on the article that will order;

4. send client's name and send order, to be printed on the bar of kitchen;

5. called customer name when if order is ready to and not answering, then phone can drone make a sound and point out.

The modern restaurant, restaurant that abundant service is provided of example 5-

1. client can select at the dining table place to order, and also has signaling to do auxiliary right to choose with menu.The staff can routine inform details etc., after " sending " menu electronically, can show " waiting for that the staff informs details ".

2. even sent order, phone also returns " pattern of ordering " more, allows further to order dessert, coffee, drinks etc.Finish dining option prompting tip-transmissions payment and notify the restaurant, thereby the staff we can say " goodbye " etc.

By utilize said system from the tabulation of taking out menu or stored, send title but not ability that dining table number is ordered in advance-take order away, throw phone into, payment, and after being ready to, can notify the buyer.

As mentioned above, can use contact type intelligent card to provide or obtain and pay relevant information.Can use good contact-type equipment equally, wherein the contact is contacted to obtain payment information by another contact.These equipment are known.

Wherein the payer is equipped with another example of the transaction flow that can start the electronic equipment of concluding the business and paying simultaneously as follows:

Be provided with respect to the TPS sign by pair people and be subjected to pay people's identification code.Provide unique identification code for being subjected to pay each service point that the people provided, this identification code comprises and is subjected to pay dining table that the people provides table service number, Food to Go or other food service sales counters.Still distribute unique identification code for each the payment platform (payment station) that is subjected to pay the people place.

The identification code that is subjected to pay the people is arranged on:

1. print or the form that is subjected to pay people's business card of electronic form

2. be subjected to pay on people's the print menu or pamphlet

3. be subjected to pay the dining table symbolic identifier place in the people management place

4. be positioned at any other position easily

The payer specifies by one of following manner and is subjected to pair people's unique identification sign indicating number to start transaction:

By in the phone or be stored in this software that is subjected to pay on the used remote server of people and from " common be subjected to the to pay a people " tabulation of being stored, select to be subjected to pay people's identification code;

2. manual input is subjected to pay people's identification code;

3. input is subjected to pay people's identification code automatically;

3 (a). identification code is carried out optical scanning and the software that is linked at or is incorporated in the equipment is decoded via camera;

3 (b). via " bar code " scanner or the similar optical pickup that are linked at or are incorporated in the equipment;

3 (c). via the RFID reader or the contact type intelligent card reader that are linked at or are incorporated in the equipment;

3 (d). be subjected to pay people's equipment identification code is offered the RFID or the contact type intelligent card of equipment by bluetooth (Bluetooth) or other wireless means via being used to start.

If detected or be input to being subjected in payer's equipment and pay people's identification number and identified the payment platform, then as would proceeding desired transaction as described at payment.

If identification number has identified any other service point that is subjected to pay the people, suppose that then the payer wishes to identify now the payer and wishes from being subjected to pay commodity and the service that the people obtains and pays.

Then, can present can be from being subjected to the menu of the option that Fu Renchu obtains for the equipment that is subjected to pay the people.

The payer selects desired each article of article mark sign indicating number.These codes can:

1. utilize the manual input of device keyboard, for example 5＜ok 〉, wherein " 5 " are the codes of expected item;

2. utilizing mini-plant (for example mobile phone) to go up known " rolling choosing " method selects from this menu that provided by pair artificial equipment;

3 (d). be subjected to pay people's equipment identification code is offered the RFID or the contact type intelligent card of equipment by bluetooth or other wireless means via being used to start.

When tabulation is finished, for example being subjected to pay the people, by pressing＜ok〉key indication tabulation finishes, and do not import any code.Then, the equipment that is subjected to pay the people can show the selected tabulation that is subjected to pay the article that the people browses and the price of these article of allowing.

Be subjected to pay the people and have herein the account is changed into the account's who is used to pay right to choose from default account, proceed (for example, by pressing＜ok〉key) or cancellation with indication simply.

The equipment that is subjected to pay the people can ask PIN or other biological feature to confirm transaction.

Then, item lists directly sent to offer be subjected to pay human, and print this tabulation in a preferred embodiment, perhaps send indirectly via TPS in the equipment that receives this tabulation.According to the commercial arrangement that is subjected to pay the people, payment can send in tabulation and be subjected to finish before pair people, perhaps waits until after a while (for example when client receives commodity or service, perhaps when client selects to finish and is subjected to pay people's transaction) and sends.In all cases, system all comes to provide safety practice for payment by identifying the payer from the beginning.

Payer's equipment of payer can be constructed to allow to continue to order other article till the payer specifies.In this case, payment can begin at this moment, and can provide the amount of money that change will pay or the right to choose of " division bill " for the payer.

The division bill makes other payer to add this and conclude the business being subjected to pay people's identification code place, and each payer indicates the quota (for example, 1 people, 2 people) of total charge.

Figure 17 illustration the transaction processing of handling according to the use pre-approval of the embodiment of the invention.In this embodiment, by utilizing payer's electronic equipment, the payer can pay for the transaction that they also do not bear in pre-approval.This is particularly useful for many types of transaction or situation, for example in the transaction of not showing card, as the payment by the internet.According to this embodiment, the payer sends the pre-approval message that comprises the pre-approval instruction to TPS 2.The pre-approval instruction can comprise the details that are used to identify the transaction that will take place subsequently.For example, details can comprise the payment amount that will carry out.Then, the payer for example carries out internet business, but before carrying out transaction payment, 2 pairs of pre-approval details of TPS are checked with the transaction details.Then, TPS 2 can confirm or refuses to pay according to the coupling of details.

In more detail, with reference to Figure 17, in step 100, the payer determines that they wish the transaction of carrying out.For example, transaction can be an internet business.Payer's may require to go into business tame internet sites is bought article (item).Therefore, the payer can determine the details of concluding the business, for example the desired payment of commodity that offers for sale of businessman.

In step 101, the payer sends the pre-approval instruction to TPS.The pre-approval instruction comprises that TPS confirms or the employed transaction details of refusal subsequent transaction.Details can comprise the sign of realization transaction and any details of mandate.For example, they can comprise the payment of transaction.

In step 102, TPS is stored in pre-approval in the database.This database can comprise " payment " information of identifying the payer, comprise " amount of money " information, " Transaction Identification Number " and " time " (it can comprise that transaction is with the time of taking place) at the details of the payment of pre-authorization.In case " time ", TPS just may disapprove transaction subsequently at the expiration.

In step 103, the payer bears transaction in due form.For example, when transaction was internet business, the payer can import credit card details on the webpage of the merchant web site that is provided for receiving this details.Details also comprise can be by payer's input or by businessman's payment of input automatically.Then, these transaction details are offered TPS.They can provide by multiple mode.For example, can by transmitting (usual transmission) usually they be offered TPS via merchant system.

Whether in step 104, TPS checks with the pre-approval details in the database the transaction details that receive, then, mate according to details and to authorize (or not authorizing) to conclude the business.Then, can and be subjected to pay the people to the payer and send affirmation (step 105).For example, the payer is approved really to be undertaken by SMS message.

If in approval process, TPS requires to confirm that further then they can use as the described method of several accompanying drawings before the above combination.As another kind select or other be that they can carry out the SMS message, or even can utilize payer's electronic equipment to carry out call.

As mentioned above, this embodiment is particularly useful for extra authorisation step is provided for the transaction of not showing card.

This embodiment also can be used as the additional layer of security of the transaction of showing card.In addition, the several embodiment in the front of the invention described above depend between payer's electronic equipment and the TPS that is used to conclude the business and have open communication channel.If these communication channels are not open (for example, payer's electronic equipment is the mobile phone that is in outside the suitable transmitter scope) when the transaction of showing card, then transaction can not be authorized to.This embodiment of the present invention carries out pre-approval after making and can being chosen in failed transactions.If failure takes place, then there is the position of open communication channel between the payer's equipment that finds at them of payer and the TPS, and the pre-approval details are provided.Then, they return in the position that does not have communication channel and conclude the business.Subsequently, transaction is proceeded as mentioned above, even payer's electronic equipment drops on beyond the communication range, in order to realize transaction, TPS also compares the details of pre-approval details and transaction.

Under the situation of such failed transactions, system may obtain the information relevant with transaction from businessman.That is, owing to attempt to conclude the business but fail owing to getting in touch the people (personsphone) who makes a phone call to cry, so some Transaction Information has offered TPS.In this embodiment, TPS can continue to attempt and get in touch payer's equipment, till the payer is in scope.When the payer in scope, and when having set up contact, authorized person's entity can offer Transaction Information payer's equipment, the payer only need confirm that this Transaction Information is correct.Then, the payer then turns back to businessman, concludes the business once more, and transaction this moment is because the pre-authorization of being stored that the payer imports by the details of confirming to authorized person's entity to conclude the business passes through (go through).

For the transaction of not showing card, normal conditions are such, and businessman provides the details of transaction and requires them to confirm that the payer has enough funds to pay to financial institution, and is sending the order that commodity are provided to the payer BeforeFreeze these funds.Have only transaction after this just can pass through.In one embodiment, TPS can use this businessman's pre-approval information to get in touch the electronic equipment that is associated with the payer, and requires the payer to confirm that transaction is authorized to.Transaction can be identified by the details (for example payment) of some transaction.In case the payer has authorized payment, just can then handle this transaction.The details of transaction can be kept in the database up to transaction is actual take place till.

Similarly the pre-approval system can be used for people's on-line payment each other.

The useful another kind of situation of this embodiment is a periodic payment, that is, and and the payment of for the payer, carrying out in every month.Pre-approval can be stored in the database together together with exchange hour (for example, the time of the moon that payment should take place), and TPS can check the pre-approval details from being subjected to pay when the people receives Payment Request at every turn.This provides extra safe level for periodically paying.Also can prevent to pay carrying out more continually than agreement.

In another embodiment, be used for providing the inactive component of information can comprise and the relevant information of the employed application of this inactive component to PD 1.For example, when inactive component was bar code, it can comprise the information relevant with following application, and this application need moves so that can handle bar code information on PD equipment 1.

With reference to Figure 18, can provide the many different payment processes application that are configured to operation on PD 1.For example, payment processes is used 150 and can be configured to the specific payment processes that is used for parking meter (parkingmetre).Another kind of payment processes application 151 can be configured to handle the payment of bill, and another kind of payment processes uses 152 can be configured to handle the payment in restaurant.In another embodiment, application can not relate to payment processes, but has other functions.For example, an application can be to make PD 1 can upload and handle the business card application of card information.

The advantage of this system is that the information relevant with bar code itself makes PD 1 using application or the identification application that acquisition is correct under the situation on the phone in the grasp bar code.When PD 1 was necessary to use, bar code can provide and can therefrom obtain the positional information used, for example the position of internet node.

Inactive component is not limited to bar code 153, though utilize routine call Technical camera 55 to obtain easily, it also can be the inactive component of any other type.Application can be stored in the database that can conduct interviews by the network such as the internet.

Figure 19 illustration the possible parts of transaction processing system 2.In one embodiment, transaction processing system can comprise gateway 160, and gateway 160 can comprise and be used for paying the system that people's equipment communicates with payer's equipment with being subjected to, also be useful on the system that communicates with " rear end " processor.Conventional transaction can require merchant device usually and be communicated by the payment gateway of receiving single file 161 management, receives single file 161 and communicates with financial institution 162 (it can be an issuing bank) subsequently, to determine whether authority to pay.Then, receive single file 161 and can provide mandate or refusal to being subjected to pay people's equipment usually.The TPS of the embodiment of the invention can just have the receipts single file 161 of suitable system really, maybe can be to move gateway 160 and provide the corpus separatum of information from merchant device or payer's equipment to receiving single file.Gateway also can move as uploading " the general shopper database " 163 of menu in conjunction with the described payer's of the making equipment of above embodiment and making the payer can be via the transaction pre-approval database 164 of gateway downloads pre-approval.

TPS can comprise and carries out all these functions individually or carry out all these functions together or carry out the tissue (organisation) of combination of the different piece of these functions.

Transaction processing system can be implemented by appropriate software and hardware (normally server computer).

Figure 20 is the block diagram of assembly through the repacking mobile phone that can be used for realizing payer's equipment according to the embodiment of the invention.Most of functions of being discussed in the part before this paper all can be by realizing to use the software that 121 form is loaded in the mobile phone.These application comprise the payment application that makes it possible to prepare suitable message.By these application, mobile phone can be configured to discern payment information.This normally can not be realized by criterion calculation equipment.

Consider that WWW compares.WWW has constituted general browsing database.This network comprises a kind of system, wherein can use " request " of the other positional information (being known as URL) in the description of having made up " website " and the website to retrieve the information of general format, this information is feasible be constructed to handle the computing machine of this form can videotex, figure and link and can handle these texts, figure and link.

At present people can be by shopping at network, but the system that does not also allow computing machine to do shopping by network.Netspeak (html) has been specified marker character, makes computing machine can discern and show title (heading), identification and demonstration link etc., but can not identify objects code or price.The user of computing machine must read the information on the screen and determine that article are described or whether price exists.

Use 121 and can comprise the application that makes payer's equipment can discern and handle payment information.Described in following examples, an embodiment who is proposed comprises " general shopper database ".For this database, request can contain especially and is useful on the code in shop that identification provides product for sale, and needs following two types request, but not obtains showing page or leaf:

1. so that the automatic form of handling and obtain the description and the price of article for sale with general format makes computing machine can create the request of the form of price and description according to each response automatically.This request is known as " menu " request; And

2. buy the general request of article or the article that collection is obtained from " menu request " of front.

It is as follows to utilize general networks language (html) to carry out the example of shopping online:

Request＝www.sampleshop.com/buypage.html

Response＝

<！DOCTYPE?HTML?PUBLIC″-//W3C//DTD?HTML?4.01?Transitional//EN″

″http://www.w3.org/TR/htm14/loose.dtd″>

<html>

<head>

<title>Untitled?Document</title>

</head>

<body>

<h2>Welcome?to?the?shop！</h2>

<p>Click<a?href＝″buywidget.html″>here</a>to?buy?a?widget?for$50！</p>

</body>

</html>

Website browsing program usage flag accords with the information relevant with website browsing of handling, for example, marker character＜h2〉and＜/h2 between text be title.

The fact of the price Shi $50 of " widget " and web browser are irrelevant.

In contrast, use " shop, the world form " that proposed, request looks like:

“store＝1234，menu＝a”

And respond as follows:

<itemID>1567<itemDesc>Widget<price>5000

This response need be by " shopping program " but not " website browsing program " read.In this case, how display message depends on " shopping program ".Yet this program knows that article are with certain sell at competitive.If the user selects to buy these article, then this program knows that these article are just purchased.

This has the following advantages, and buys required safety practice and can be used by Automatic Program, and can preserve the historical record of purchase automatically.

Also can load and make phone can read other application 121 of bar code (or other inactive components).

In addition, in order further to increase aforesaid (further illustrative after a while in the instructions) safety practice, can adopt firmware 122.

(adapted) phone through changing comprises transmitter/receiver 119, processor 118, SIM card 116, clock 123, RAM 117a, flash ROM 117b, LCD display 1 33 and driver 130, keyboard 112, navigation key 110, camera 124, loudspeaker 115, microphone 116 and A-D converter 114.It also comprises antenna 120, wireless module 125 (for example bluetooth or GPRS (GEPRS)).

Hardware also can comprise the security module that can utilize key encryption method identification user.Security module is set to well-known cyrtosis, and this is system or electric curve encryption method by Rivest, Shamir and Adleman (RSA) definition.When equipment was mobile phone, it comprised SIM, and in any modified example of this embodiment, SIM is set to serve as security module.

Payer's equipment can not comprise above-mentioned all parts that are used to realize the embodiment of the invention.For example, for some embodiment,, do not need to have access means or firmware such as pre-approval.In other embodiments, for extra safe floor is provided, firmware can only be set, and access means is not set.Access means and firmware provide four safe floors.

To sum up, this system can be implemented by the electronic equipment that is associated with the payer (for example mobile phone), and three aspects that are essentially are implemented:

1. the mobile phone of standard has or does not have and makes its JAVA or another kind of uses more friendly to the user.The basis of this system on this aspect is under the situation that does not have the safe mobile phone, to be necessary for existing safety practice and to add safety practice.At this layer place, for example can implement the approval of pre-approval by simple SMS message at transaction.

2. the mobile phone of system's " protection ".The firmware that utilizes anti-virus to attack provides signature system, utilizes software to handle input message from system.Signature and PIN keyboard can be by utilizing mobile phone approval All Activity to replace.

3. starting the contact of payment and the use of non-contact ID (access means) and mobile phone is the main communication facilities of transaction.

It should be noted that payer's electronic equipment can not comprise the mobile phone through repacking.It can comprise any other computing equipment (preferably portable), for example PDA.It in addition can comprise the specialized equipment of special structure as payer's electronic equipment.

Term " electronic equipment " should not be considered as only be limited to by or fully by the electronic installation apparatus operating.The treatment facility (for example, can utilize light transmission and the equipment carried out) that the present invention can use any kind is as payer's equipment and/or be subjected to pay people's equipment.

Can utilize an alternative embodiment of the invention to avoid and to point out the payer.Via a people of system registry (payer), this system directly or by server sends signal to phone to payer's equipment when being prompted.Select as another kind, when phone placed prompting, phone can periodically promote (pole) prompting state, to give the user with current state notifying.This can be used in any prompting, to notify the payer when order is ready to.Perhaps give the prompting of keying, perhaps read or utilize camera (bar code) to read optically electronically via contact list or other electronic installations.Then, the top continuous state what number is system provide be positioned at prompting upgrades, and makes phone can be presented at your serviced last several numbers before.This system comprise the reminder-data storehouse and be used for notifying phone they be in the device of the position of prompting.Therefore, the payer can be ordered and be notified to payer's equipment in advance when preparing to collect (pick up) order.

Below the other several examples that an embodiment of the present invention will be described.

Of the present inventionly utilized the following fact through improved payment system: the most consumers in many markets is all taken themselves computing equipment (normally mobile phone) to point of sale.Low cost repacking to this equipment can make new payment system not only can handle the safety problem of current system, and can bring many new other new features.

Utilize this new system, businessman will advantageously have accept transaction through improved new mode.Bank can reduce or eliminate expensive expense backup (charge back) and increase consumer's confidence.Mobile telephone company has had new " killer: " to be used for the application of mobile phone.

The system of the embodiment of the invention has utilized " upgrading " to the consumer electronics's computing machine through transforming of the mobile phone that can operate in any position of radio coverage or pocket computer form.This system proposes, and All Activity comprises that all the equipment that utilizes this upgrading obtains to examine from consumer (payer).Like this, All Activity is all examined by the consumer.Such as in the point of sale, can examine at that time by the real-time deal that phone is bought or the internet is bought.

Periodically pay such as any backstage of bill payment and will when setting payment, carry out blanket approval, in this example, if require to cover the situation that the consumer sleeps or can't get in touch when transaction, then make and carry out any follow-up other approval with 24 hours period ground.

Payment system is considered the change that requirement is carried out mobile phone or pocket computer, makes can carry out safety and use examining of payment transaction simply.

To be thought of as in addition and realize the required change of optimum operation all the other payment systems, and when this equipment chance that utilization is occurred when being system a part of.

In this example, in most of the cases, when buying, the consumer can wirelessly connect mobile phone or pocket computer.

But come updating apparatus requirement equipment configuration to have at selection operation:

● wireless data communication system, for example GPRS or bluetooth

● software and/or firmware that convenient payment is examined

● can utilize the security module of public key cryptography " signature " transaction

● contact type intelligent card.This equipment can also be programmed for payment function before offering the consumer or at the scene.

Attention:, whether must use PIN though equipment is known as PINpad.

Principle according to payment system offers the consumer with contact type intelligent card.Contact type intelligent card is well-known equipment, is used in the transportation system usually.The characteristic feature of contact type intelligent card is that it is by the power devices that is called as the contact type intelligent card reader and " reading " (communicating by letter in fact with it) of 0 to 10 centimetre of distance.

In the preferred embodiment of this system, the consumer is placed on the back side of his mobile phone with his contact type intelligent card, makes it not disturb other functions of any camera, battery cover or phone (or pocket computer).The card with consumer device between any electrical connection all be unnecessary.Physically Connection Card is for convenience and will block and equipment combines.

In according to the system of embodiment, start payment

The pay point of upgrading

In order to start payment at the pay point place that is new system equipment, the consumer makes pocket PINpad contact the reader of the special marking at this pay point place, expects to utilize this system to pay to represent him.

Contact type intelligent card (being attached on phone or the pocket computer) passes to pay point with details, to realize the further communication between distance two equipment far away.Since pay point has obtained how to contact the details of pocket PINpad, the consumer just only needs to remain in the scope of the radio communication among built-in its pocket PINpad now.

The conventional payment point

The optional characteristics of system are, even also can provide new payment system at the pay point that also is not upgraded to the new system of acceptance.

In order to provide this system-consumer's bank to activate this system on the backstage at these existing pay points.

In this case, can provide consumer's common credit card, and transaction is proceeded as traditional transaction in the point of sale.When Payment Request arrived consumer bank, bank can directly send to the payment approval request consumer's mobile phone.In case the consumer ratifies transaction, just returns approval message to bank, and transaction is to be authorized to when getting back to merchant terminal from start to finish.

Improved payment transaction

Which kind of from card, obtained (for example to use wireless system, bluetooth or GPRS) get in touch the relevant details of pocket PINpad and send information to the required any information of correct pocket PINpad (for example, the bluetooth ID of bluetooth connection or the telephone number under the GPRS situation).Payment devices sends to dealing money pocket PINpad and stores these details so that pay.

Some transaction will allow the consumer to change the amount of money.After amount of money change took place, the consumer imported his PIN or expression " ok " simply alternatively, and pocket PINpad is " signature " transaction electronically, agrees transaction with the expression consumer.

Then, transaction is sent to bank.Bank handles transaction and the record that will conclude the business sends it back consumer and merchant device.

When merchant device was received the record of finishing transaction, equipment sent the completed signal of payment to store sales personnel or Vending Machine.

Retail, point of sale, based on the system of card

Most of people among us are familiar with credit card and debit card very much.Using widely, two kinds of cards are:

● based on the card of magnetic stripe; With

● have " smart card " of computer chip.

From work angle, the payment that utilizes these two kinds of cards is similar.The step of payment is as follows usually:

1. payment step-give businessman with card

● the consumer offers businessman with card.

● businessman uses card in payment terminal.

● businessman's input payment details.

If ● require PIN, then on the PIN input equipment, import.

● the payment devices by businessman sends transaction to bank.

● on the payment devices of businessman, show bank's answer.

● for no PIN transaction, businessman obtains consumer's signature and keeps.

Replacing the consumer card to be given in the modified example of payment processes of businessman, the consumer is input to his card in the reader that is designed to be operated by the consumer.This modified example attempts to see that by reducing businessman pipe clamp can duplicate the risk of consumer's card thus, reduces some safety problem in the processing.

Generally speaking, there are several problems in processing.

Problem 1-equipment variations

Utilization is installed in the payment devices of pay point, and businessman has sufficient chance and learns how to operate this equipment, and hypothesis taken place any of this equipment distorted, and then businessman has sufficient chance and detects this distorting.But what the consumer faced at each place, point of sale may be diverse equipment.This has caused following problem:

● because the consumer will make and oneself be familiar with equipment, so the self-help payment point is slowly and operates and be easy to generate puzzlement.

● for security reasons should all will face the consumer and will operate this obstacle of unfamiliar equipment by any transaction step that the consumer carries out.This causes businessman to carry out such as the step of swiping the card and the account selects, rather than to consumer's interpreter operation.

● replacement equipment is easy to be made the details that are used for collecting PIN and card by unscrupulous businessman.

The problem 2-signature of concluding the business

Proposed the whole bag of tricks and made consumer's " signature " transaction, to represent voluntary participation.

● the signature of writing

Detect the problem in the signature of writing when transaction reliably, this has required irrational technical ability to one side of businessman.These signatures of writing are filed and stored also businessman has been caused unduly burdensome.Check for signing and to show card and also force the consumer to surrender control its card.

● the electronics PIN that examines through bank (or financial institution)

The PIN that is input to merchant device can easily be obtained by the replacement equipment of businessman.This can cause the serious attack to individual fund.

● the electronics PIN that examines through smart card

Examine PIN by the card that utilizes the consumer, can greatly reduce the risk that PIN is stolen.Unfortunately, this system does not suitably obtain enough using widely.

Duplicating of problem 3-card

It is major defect in the current card paying system that card can be replicated.Magnetic stripe card is easy to be replicated on relatively inexpensive equipment.

Although smart card has almost been eliminated the problem that card duplicates in theory really, smart card also comprises the magnetic details and worldwide many businessmans can accept the magnetic details separately.Whenever showing card, the magnetic details still can be replicated and be used for worldwide fraudulent transactions.

Problem 4-repeat business and amount of money deception

Businessman exponentially from card charge or the mode of collecting the amount of money outside the consumer approval many kinds are arranged.The amount of money of peanut may not can cause consumer's attention, but but makes the consumer sustain a loss.Yet can detect the amount of money of big figure.When report (statement) arrived, businessman may disappear.Although planting these in present system is not the most serious problem, other leaks of shutoff and keep remarkable seriousization that these problems it will be appreciated that these problems.

Problem 5-tips

Many transaction allow optional tip part.Utilize the unique actual solution that employed Ka Laizhi tips in the terminal of businessman to be, after bank's approved transaction, increase tip.

It is unpractical allowing the consumer his tip is input in the machine of businessman.

Allow businessman that the transaction of finishing is increased the shortcoming that tip has caused system.Does the consumer have what kind of right of recourse (recourse) so if businessman will increase more tip improperly? at first, the consumer must detect this problem.Search this transaction then and force businessman to produce the receipt of original signature, this is the problem place.All spend very high and very painful for both sides.Conceal expense (skimming) although finally can find merchant system, (problem employee might long-term existence to still have many consumers to be collected extra-pay after pinpointing the problems! ).

The internet payment system

It is practical that two kinds of payments based on the internet are arranged at present.

1. intrinsically safe internet payment

Intrinsically safe internet payment is often referred, but seldom implements.At first, the internet payment of safety needs smart card, and the consumer does not have smart card.The SET of MasterCard, Visa etc. be at first fine popularization utilize one of system of smart card.Secondly, wanting real safety, is to read smart card to the requirement of the accessory of PC, and can show the amount of money that will spend and accept PIN and conclude the business to sign.For example, such system is well-known (referring to FINREAD).

Smart card is used to transaction that safe not reusable digital signature is provided.Because worm and virus make information on the principal computer display for the change of far end party with to obtain be open, therefore need pay by independent security control console.It is that the amount of money that is presented at safely on the control desk is created digital signature that PIN keyboard on the operator's console is indicated smart card.

Nowadays such transaction is a safety as much as possible.In order to create transaction, people need original smart card and PIN simultaneously.The card that acquisition is duplicated is practically impossible.

Problem is that majority's PC does not have FINREAD type annex, does not also have the digital certificate that uses smart card.Just to the internet business that guarantees people, it is rational that system is difficult to be proved to be on cost at present.

For fear of this problem, provide different alternative arrangement such as the card association of U.S.'s express delivery (American Express) and Visa.

The individual payment scheme of U.S.'s express delivery requires U.S. express delivery holder at first to login U.S.'s express delivery website, and " predistribution " payment also receives the ID that is used for this distribution.The holder can use this ID to buy to be linked to the commodity on the internet merchant site of U.S. express delivery individual payment subsequently.This method has need not use card number just can carry out the advantage of purchase-transaction, but the holder uses suitable trouble, up to the present also popularizes in businessman and implements.

In the 3D-of Visa world safety approach, the holder still imports their card number, but only in card issuer but not businessman just import when requiring card number.This scheme depends on improves the SSL/TLS technology of setting up, and protects the link between all sides that relate in the transaction.Because the complicacy that relates to, this scheme is only attractive to bigger businessman.

2. main flow " safety " internet payment

Main flow " safety " internet payment only means that the payment details are by the transmission of internet security ground.When mechanism of intermediary can not intercept and capture employed card number, internet businessman self must be maintained secrecy, collect the correct amount of money by the card number that trust receives them and only make out the bill under the situation of appointment.The businessman that receives these payment details can not determine for certain who has sent this payment details.

Basically, consumer unconditionally (take it on faith) believes businessman, and adds when checking the place that commodity send and receiving the protection of signing when sending when businessman, and this is expensive for businessman.When commodity during by electronic delivery, businessman adds any protection even the difficulty more that becomes, the result, and the cost of swindling in this transaction is very high.

The advantage of the system of the foregoing description

If can adopt new infrastructure from now on, then can reduce safety cost and transaction cost at the system of this embodiment.New payment system is that consumer, businessman and bank have brought benefit, and the rollout that has proved new system is rational.

Safety

The solution of this example provides the swindle protection of current available highest level according to the present invention.Purchase has obtained and the identical protection of FINREAD type internet business.This just looks like to be that the consumer has taken internet terminal and intellignet card fetch to point of sale.

Although can significantly reduce many present safety problems really by generally introducing of smart card, the effect of this example is like this incessantly, advantageously, itself in addition can eradicate the problem of still leaving over owing to migrate (moveto) smart card.

Further protection provides in the following manner:

● can examine the security of buying the amount of money;

● prevent the variation of the tip and the amount of money;

● prevent to double charge;

● the risk of elimination or even magnetic card level replication;

● examine in the point of sale that is not equipped with new system by allowing the consumer that transaction is protected or even the trading ability of " tradition ";

● in the All Activity except that tradition, for businessman provides the evidence of payment but the details that do not provide the consumer to block.

Cost

The equipment (for example, mobile phone) of paying by utilizing the consumer to prepare, the cost of the infrastructure of improved system is very low.

The part that payment terminal can be considered " being divided into two "-terminal is the mobile phone that the consumer carries, and remaining businessman's assembly obtains greatly simplifying and cost is reduced.

This has realized more pay point, for example the self-help selling in parking meter, Vending Machine and market point.

Speed

By making the consumer can on the equipment of being familiar with, share the transaction load, can improve transactions velocity in all cases.The self-help selling point that system a realizes repayment will allow consumer's immediate payment, rather than the service of waiting in line as a rule.

Not only checking out to become faster, and the consumer in the restaurant can save the whole additional step to handle of the card of taking them away.

Dirigibility

New system has brought brand-new other possibility of level for paying by mails.

New convenience comprises:

Entrust payment

When payment, the consumer can specify father and mother or friend to represent them to pay, as long as appointed people is " the unique call " that is absent from the scene.This is fair to make other relatives of child can visit that contingent fund (emergency fund)-but the father and mother that guarantee other contingency fund supplier will monitor the use to this fund.

Separately payment (split payment)

Went to the restaurant? ran into accounts and should be divided into two, three or even more a plurality of situation? adopt cash unique solutions seemingly at present.Though all can being divided into dual mode with accounts, most of restaurants pay, even this still is mixed and disorderly solution like this with sticking into row.The card that each is extra or other complicated wishes of transmitting different holders that all can make are difficult more.

Be equipped with every diner of its oneself individual PIN keyboard oneself to pay in, need not link up with the restaurant at all and make an explanation.

Amount of money change

Be pass the consumer the amount of money not only can by consumer safety examine-but also it can also change with designated parameters.This is especially effective to giving tips.It is only effective to credit card trade usually to be used to the system that gives tips at present.The transaction of no tip is ratified by bank.Reading after the consumer writes on the tip amount of money on the receipt, businessman is with the change of aftertreatment to original transaction.

This all is in-problem to consumer and businessman.For businessman, must retrieve original transaction (in busy restaurant, any one has several receipts constantly and appears on the dining table) and import the new amount of money.

For consumers, can't examine the actual last amount of money of businessman's input at all, and be difficult to detect owing to businessman misunderstands mistake, too much or any other factor of rope expense that occurs.

Utilize present embodiment, the amount of money that the consumer can pay directly adds on his equipment-at first handles the correct amount of money to.Do not require that businessman reenters.The source of mistake and suspection is eliminated fully.

The account selects

A plurality of bank accounts can be linked to payer's equipment, and select, can be elected to be default account as another kind of.These accounts do not need to come from same bank.

The system of this embodiment is providing more convenience property advantageously also.

The Self-Service payment

The Self-Service pay point can be avoided queuing, and can be in impossible location provider product of other situations and service.In history, pay possibly by coin (passing through bank note sometimes) at these Self-Service pay points.Receiving credit card/situation of debit card under, consumer or ISP must pay the expense and the phone expense of expensive device.

Pay by this system and advantageously to have reduced these problems.The accepting device cost is low and do not need call.Be best, the consumer utilizes (in his phone) identical payment devices, and needn't learn how to use the new payment devices of each pay point.The card reader of reading instruction and difficulty has become past event.

Select the account at all pay points

Because the logistics aspect, present system understands the blocked account type usually.For example, input PIN may have problems in the restaurant.Utilize payer's device systems to eliminate this problem, because input PIN request is transferred into the consumer at dining table place.Do not need to send instruction, PIN is imported also without any restriction to the cashier.

The inquiry account of businessman contrasts then with reference to selecting account's sight to become past event on unfamiliar equipment to exempt the consumer.

Bill is examined

When the bank statement book arrived, mobile phone can be coordinated the account balance (account balance) of all electronic transactions of examining through this system immediately.The loaded down with trivial details thing that this has eliminated the worry of " whether I am too high by the rope expense " or has coordinated for the consumer.

The receipt filing

For the All Activity of electronic signature, do not need paper spare receipt.This has simplified expensive claim, tax record and at other accounting (accounting) of consumer.

Eliminated reservation papery signature necessity as transaction evidence, this is huge benefit for businessman.

Common application

Can pay (payment system at phone orders, internet, existing traditional place, point of sale and new through improved low-cost pay point) for all and use identical verification system.

The system that card sending mechanism and mobile operator need upgrade.In case it is ready, each holder of participation just can both see direct interests.Before system is valuable, equipment to be upgraded such as there is no need and arrive businessman.

Equipment

Consumer device

For system, the consumer device that be converted to payer's equipment needs the form of radio communication (not needing in certain embodiments so).At present, three kinds of wireless communication systems be widely used-802.11, bluetooth and GSM+GPRS/CDMA.

In this example, each equipment all is regarded as being suitable for being equipped with the form of radio communication, can communicate between the consumer of most of points of purchase and network.Current example is GSM and GPRS or the data communication of CDMA mobile phone.When employed general wireless protocols time to time change, the wireless system that use also will change.

This paper has discussed the system based on GSM+GPRS mobile phone (it is equipped with Bluetooth communication in addition alternatively).

New software and firmware

Software on the equipment in the present embodiment should comprise undiscovered special characteristic in the present phone.

Particularly:

● receive the ability that the Payment Request order also passes to this request sim module by any wireless system that makes it possible in equipment, pay.

● the ability that (entry) transmits back sim module is imported in demonstration from the payment request message of sim module and data.

● the mode of duplicating with any application that can not be loaded in the phone shows that PIN imports the ability of message.

● will directly present to SIM for the answer of payment approval message.

● the answer for payment approval message can not send to SIM by any application software.

It should be noted, can use another processing module to replace SIM, but SIM is preferred for mobile phone embodiment.

According to these requirements, conclude that payment approval message shows and response should be realized by firmware.Preventing to use generation has guaranteed not have software worm or virus to can be used for making the also ignorant payment of phone (or other consumer devices) approval consumer for the answer of payment approval message.

If when finishing any function of subsidiary function, guaranteed that the payment approval screen can show the amount of money that the amount of money that will send to SIM in message is ratified to pay as the consumer, then can use the software that can be written into again that this function is implemented on the payment approval screen.

Contact type intelligent card

Contact type intelligent card is known.The preferred embodiment of this system has been each equipment configuration contact type intelligent card is so that easily pay at the pay point of newtype.Contact type intelligent card also is convenient to realize the registration of consumer device in financial institution.

What expect is to use the undersized as far as possible while still to allow the contact type intelligent card of the card internal memory antenna of why wanting in office.Also expectation is used flexibility and nonrigid material is made card, makes card can adhere on the housing profile of consumer device.

Expectation be, card can be safely and uniquely registration card in the appearance of point of sale.This requires card to comprise the encryption key that is used to sign from the message of contactless payment reader.

Contact type intelligent card should transmit with and payer's equipment of being associated of card communicate required information.This information comprises bluetooth ID and the telephone number that is incorporated in any bluetooth module in the consumer device, makes it possible to communicate with the wireless module of equipment.

Contactless card can also be transferred to reader with the ability (for example, bluetooth-non-bluetooth, GSM-GPRS or CDMA etc.) of coupling consumer device.

Contactless card can also send to the employed reader as financial institution with the public keys (vide infra) of coupling security module, is public " initialization " key in this case.

SIM or security module

For determining that transaction has arrived correct equipment, expectation can utilize financial institution can examine the key that belongs to the holder to come enciphered data.This system is known, and proposes in nearly all payment system based on smart card.Under the situation of gsm mobile telephone, equally there has been security module.All requirements be that SIM in the phone can satisfy the requirement of appointment here or substituted by the SIM that can satisfy these requirements.

In a preferred embodiment, the SIM in the GSM phone is equipped with at the key that is used for financial transaction and safe storage cryptographic algorithm that be used to mate.Known encryption standard such as RSA or elliptic curve is fit to.This system utilizes pair of secret keys, " individual " key (secret and be safely stored in consumer's card) and a public keys.Utilizing a key to carry out ciphered data can decipher with another key.The simple placement-and can be by with the private key enciphered data data being sent to card, and believe that the card that only has the coupling private key just can be used for data decryption.On the contrary, any data that correctly decrypt with public keys all are derived from the card with private key.

For financial institution can be installed to key on the issued SIM card for their holder, can use public/private " initialization " key right, the public keys in private key of preserving in the SIM card and the coupling contact type intelligent card.

Bank's authoring system

Each bank of distribution debit card or credit card must guarantee that all system keeps the record of the minimum balance of each holder's remaining sum and approval.This system that upgrades, the payer's equipment to the holder when being enabled in this system sends payment approval message.

The remaining sum verification system formats this message and send this message and details by system when identifying payer's equipment.

The holder may need outside a kind of zone that enables can communicate by letter with the payer's equipment that allows to move to him with the method for this system of forbidden energy.

Mobile telephone communications network closes

New communication system receives Payment Request and request is sent to payer's equipment from card sending mechanism.This system can be made of an independent gateway system that is used for the integrated gateway system of All Activity type or is used for one or two transaction, perhaps can be used as new function and adds existing gateway to.Gateway should be able to be used for three kinds of types of transaction:

● start the payment authorization request, send to payer's equipment;

● the payment that receives from payer's equipment is responded;

● will give suitable financial institution by payer's equipment in the transaction transport of point of sale signature.

Under preceding two kinds of situations of these situations, gateway will serve as the interface between financial sector and the payer's equipment.Issuing bank still need ratify transaction.Under the third situation, single file is normally received by the financial institution that receives the transaction through ratifying.

Should be noted in the discussion above that when implementing preferred solution, can assess card sending mechanism, receive single file and card association (for example, traditional role Visa).

Card

For a long time, conventional payment point needs the magnetic card of existing type to start transaction.Low transaction cost at the newtype point-of-transaction will encourage them to join in the point of sale in time, but system still gives to protect fully based on the point of sale of current card, and without any need for upgrading.

Can issue the neocaine that is not linked to the specific bank account.

Payment devices

Have the E-Payment accepting device now can work with unaltered system-but the new equipment that is provided is provided.

Some equipment obtain about whether asking the instruction of PIN or signature from bank with blocking one by one.Suggestion with systematic connection to existing signature card-or the new Payment Card of distribution for this reason-rather than based on the card of PIN.

Even all will improve the efficient of utilizing payer's equipment to conclude the business to configuration or the very little conversion carried out of programming.The system that utilization has overprogram equipment can obtain other benefit, and utilizes the system with payment devices of new generation can obtain further benefit.

Payer's equipment among embodiment can have three types radio communication so that carry out flexible operating:

● be used to start utmost point short range (the about maximum 10cm) radio communication of transaction.

● local area radio communication, the pay point (or payment terminal) that is used for and runs through transaction communicates.

● the radio communication of global range, make it possible between payer's equipment and consumer preserve account's bank therein, communicate, and no matter the consumer in the whole world where, or at least in position as much as possible.

Payment system can be moved in not needing to realize the version of all said system.The pocket computer that this suggestion will allow present mobile phone or have a wireless telephony modem is converted to the payer's equipment that can work easily and at low cost.

The radio communication of single type only

A kind of exemplary payment people's equipment comprises only one type radio communication.The telecommunication of the financial institution's direct communication that makes it possible to the local communication that communicates with pay point or make it possible to be stored in the account is enough to realize technically.

This equipment can communicate effectively by pay point and financial institution, or communicates effectively by financial institution and pay point.

Owing to do not incorporate the convenient means that starts transaction into, so these equipment will be suitable for protecting conventional transaction effectively.

Short range+local area radio PIN keyboard

Equipment with short range drawn game field wireless communication ability can not only start transaction but also carry out transaction at the pay point that is equipped with all three types radio communication.

Short range+long distance wireless payer equipment

Utilize the remote radio equipment of private data network or mobile telephone network to use widely, and can easily add short-distance wireless communication.

Holonomic system payer's equipment

Fetch any mobile phone that also is equipped with bluetooth (or having the ability that is equipped with bluetooth), increase necessary firmware and the bag (packet) that comprises suitable SIM and contact type intelligent card, you just can have multiduty payer's equipment.Increase firmware and visit SIM and the ability of contact type intelligent card because mobile telephone system operator has the request phone manufacturer, so the employing of these equipment only needs ambitious mobile telephone system operator.

Integrated holonomic system payer's equipment

With identical, can during fabrication short-range wireless be integrated in payer's equipment the upgrading of " holonomic system " payer equipment.This will make payer's equipment to send data and can receive data in short range ground.This ability will make that direct person-to-person payment is more flexible.

The payment transaction type

Utilize the conventional transaction of payer's equipment

Utilize the conventional transaction of payer's equipment to go on, till the trading approving center of traditional hair fastener tissue receives transaction as normal credit card trade.At this moment, the payment approval request is sent to payer's equipment.

In case payer's equipment receives transaction, the consumer just can be chosen in account and approval or the refusal transaction of where paying him.

By gateway consumer's response is sent it back that the approval center-it sends it back the result with the aftertreatment transaction and by legacy system.Also the result that will conclude the business by gateway is sent to payer's equipment, so that the consumer files and as the electronic consumer receipt.

Closely+transaction of long distance wireless payer equipment

Be equipped with especially at pay point under the situation of payer's equipment transaction, the consumer contacts pay point by the smart card with him and represents that he is ready to pay, rather than uses traditional credit or debit card.The amount of money that businessman should will pay (perhaps for variable trading, the scope of payment) is input in the pay point equipment.

The ratifying a motion of transaction of being collected by pay point equipment directly send to payer's device gateway.The consumer reuses payer's equipment and revises and/or ratify transaction, then the result is sent it back gateway from payer's equipment, and this gateway will be from the information of pay point together with send to financial transaction approval network from replying of payer's equipment.With transaction results send it back pay point and payer's equipment the two so that provide electronic receipt for two equipment.

Be used for the local area radio transaction of complete payer's equipment

In predictable a period of time, the pay point of accepting the legacy card payment at present will continue so.When being equipped with in addition at payer's equipment transaction, these pay points can be concluded the business for the transaction of payer's equipment transmits quickly than conventional transaction under the situation that the sales force pays a lot of effort need not.The Capability Requirement pay point of handling conventional transaction is equipped with the communication linkage at financial transaction approval center.

When the pay point at payer's equipment configuration detected the equipment with local area radio ability, this pay point can directly send the payment approval request to payer's equipment by LAN (Local Area Network).

When payer's equipment received the payment approval request by LAN (Local Area Network), it at first allowed the consumer to change and/or ratifies this payment approval request.Then, payer's equipment inspection request is to determine that this transaction is directly sent to payer's device gateway, and the local area radio connection that still passes through to pay point sends it back pay point.In this case, transaction is sent out back pay point.

Then, pay point sends transaction by the employed consolidated network of approval conventional transaction.After the response that receives transaction, pay point is passed to payer's equipment with transaction results, so that provide electronic receipt for the consumer.

Be used for the long distance wireless transaction of complete payer's equipment

The place of electronic transaction formerly is not provided,, may expects to provide the low cost payment that itself does not possess telecommunication capabilities (for example, not having modulator-demodular unit or phone) receiving station even perhaps accepting under some situation of conventional transaction.

In this case, the transaction and the reception result that can use payer's equipment to send to be used to handle.

The local area radio transaction (except that payer's equipment is responsible for sending the transaction that is used to ratify by payer's device gateway) and the payer's equipment that are used for complete payer's equipment send to pay point with electronical record or transaction, the two all provides the record of transaction, and makes businessman can discern consumer's payment.

Security of system

Does the security of system come wherefrom? sim module (or system processor of other appointments) is being stored safely and is being used for enciphered data and utilizes technique known (for example RSA) to create the key of digital signature.Therefore, guaranteed all to utilize this sim module to generate from each payment approval that phone sends.

Like this, only be left possibility that two kinds of swindle ground generate the transaction that the consumer disapproves: 1) beyond the consumer someone uses this phone or SIM, or 2) payer's equipment distorted, thereby produced the mandate to concluding the business under consumer and unwitting situation.

PIN and other biological feature-payment devices are antitheft

PIN only is a kind of form of biological characteristic.It is present in user's the storer, and by this storer of retrieval, User Recognition goes out oneself for having the people of this storer.System can use any type of biological characteristic, for example PIN, fingerprint, eye scanning, face recognition.

In a preferred embodiment, when reaching the default amount of money or for any transaction that surpasses this default amount of money, using any biological characteristic (PIN, fingerprint, eye scanning etc.) all will be required at every turn.For example, consider the default amount of money of $100.The transaction of Shao Yu $100 can take place, till all these chain transaction Zong Jichaoguos $100.The first stroke transaction that reaches the total of continuous abiotic feature transaction will require biological characteristic authentication.

Dealing money	Require biological characteristic?	Reason
Dealing money	Require biological characteristic?	Reason	$300	Be	Transaction is greater than pre-set limit
$10	Not	Only spent $10 from last time after the biological characteristic	$300	Be	Transaction is greater than pre-set limit
$10	Not		$50	Not	Only spent $60 from last time after the biological characteristic
$60	Be	Add this transaction, spent $120 from last time after the biological characteristic	$50	Not
$60	Be		$30	Not	Only spent $30 from last time after the biological characteristic
$150	Be	Transaction is greater than pre-set limit	$30	Not
$150	Be	Transaction is greater than pre-set limit	$80	Not	After the last time biological characteristic (comprising this transaction) only spend $80

The important point is that biological characteristic should only be used by SIM.SIM carried out internal authentication to biological characteristic before the transaction that next transaction is signed as consumer's approval.Use which kind of biological characteristic should not send to outside payer's equipment.If use PIN, then this PIN not should with at present in ATM etc. any PIN of use be complementary.No matter use which kind of biological characteristic, for do not visit payer's equipment anyone all be nugatory.

The use of biological characteristic (PIN or other) be for be limited in visited under the unwarranted situation payer's equipment anyone spendable amount of money (although can come the use of applying biological feature) by other modes.

The firmware protection

Principle according to this example system is, the user of payer's equipment must determine to be presented on the signature screen and be to utilize the unique data of payer's equipment signature by the data that the user accepts.

This can realize by the firmware in the equipment.Firmware is provided so that single firmware has following function:

1. information is shown to the user,

2. accept " OK " and PIN or other biological feature, and

3. will be shown to user's data and be sent to security module (normally SIM).

Prevent that application software from carrying out above-mentioned steps 3, and do not show and the identical information that sends for encryption or digital signing for the user.

Firmware makes payer's equipment self avoid software attacks.By various wave points, equipment may be open to virus and worm attack.Design is exactly to guarantee to prevent that to any interfaces special that SIM sends data " payment approval " message is sent to SIM for being used for of providing of application software.Have only payment approval to show that routine can send this response.This has guaranteed that the consumer sees, and physically presses " OK " button of a certain minimum form, ratifies every transaction.

Filtrator stops application software directly to send " generating signature " order to security module or SIM.

Set up standard

There are many possible structures in this system.For any deployment, need all to determine that in the market that will dispose this system which kind of wireless and encryption standard is the most suitable.The problem that is caused by a plurality of standards in the whole world is, when the consumer for example moves to themselves payer's equipment because various criterion and in the zone that can't communicate by letter the time, they will be in the face of following selection: 1) obtain the payer's equipment at the zone that they moved to, perhaps 2) they may need this system of interim forbidden energy.

At present, GSM is first-selected global system, still, will be rational selection in Japanese iMode system for example.

System deployment

For the initial deployment system, need at least one bank (or other card issuer) and a mobile telephone system operator to work in coordination with this system that disposes.

The role of the private system operator of mobile phone

● mobile-phone carrier sets up standard and requires at least one mobile phone supplier to incorporate described firmware into.

● mobile-phone carrier is promoted the bag of phone, SIM and coupling contact type intelligent card through reequiping by the retailer of the customize services of sale phone and mobile-phone carrier then.

● the manufacturer of the SIM of mobile phone will possess the suitable SIM of manufacturing and all knowledge of contactless card by explanation provided herein.Virtual network operator sends these instructions to

SIM supplier and order SIM.

● mobile-phone carrier must provide (directly or by gateway operator) computer system, sends to their consumer that decides with reception payment approval request and with them.

The role of card sending mechanism

● card sending mechanism is to holder's extension service.

● the retail sectors of card sending mechanism provides the details of the card of service to utilize the consumer and held to come initialization payer equipment.

Telephone operator becomes the alternative models of card sending mechanism

The employed standalone gateway of mobile-phone carrier or mobile-phone carrier can be changed into card sending mechanism, and does not need to provide debit or credit device.The card of being issued will be linked to existing debit of consumer or house account simply, but will have the ability that is linked to from the account of a plurality of card sending mechanism.

The card of being issued will make the authorization requests route get back to gateway, thereby save new infrastructure for card sending mechanism.

In many countries, mobile-phone carrier also provides service and infrastructure for the card processing enter.

Payer's device software

Following function should be added in standard mobile phone or other pocket computer equipment, to obtain one embodiment of the present of invention.For illustration, the details relevant with enforcement are limited to the preferred embodiment of gsm mobile telephone.

The payment screen

The payment screen should have can not be by the unique recognition feature that is loaded into any new application software imitation in the equipment.For example, " pay lines " has red frame (solid red) background, and the firmware of phone prevents any similar red frame banner title (banner) that should be used for drawing.This measure is in order to stop Virus to know card PIN.

Component software

Need following component software in payer's apparatus embodiments.

● come the payment request message of automatic network.

● mail to the payment request message of SIM.

● Payment Request data entry screen curtain.

● mail to the Payment Request on-screen data message of SIM.

● from the Payment Request response of SIM.

● be delivered to the Payment Request response of network from SIM.

● come the payment of automatic network to receive response.

● payment screen items menu.

● the payment options menu.

Payment request message

The used straightforward procedure of gsm mobile telephone is to receive Payment Request, as the SMS message that adds signalment.

Can simply payment request message directly be sent to sim module.

Phone starts payment

Payer's equipment can be used for starting the payment to specific people or firm (business).The people's that selection is paid plain mode is to pass through telephone number.

This method of payment is easy to the wrong people that makes mistakes-might pay.Therefore, the number paid of suggestion (but not must) is the existing clauses and subclauses that are stored in the telephone directory of phone.

The input amount of money is as one of payment picture

Option from the payment screen

● select the account.

● transmit.

Payment menu from free device

● default account.

● check transaction.

● start payment.

Payment devices type and technology

Use the adaptive system of " in pairs " communication

For local area radio communication has proposed improved local area radio communication.Can occur between the known each other equipment or occur between the equipment that is not predetermined to be dialogue each other such as the local area radio communication of bluetooth.Preferably, communication can be defined as in processing the equipment that before was identified as " in pairs " each other.Each equipment all have can be paired only network ID.

Because as if payer's equipment in the use of the pay point place of many occasions and often based on self-organization (adhoc), so can't be carried out at first communication.

The short-haul connections that utilization is used to start transaction can overcome this problem.For each payer's equipment, can issue " mirage " point with uniquely identified payment bluetooth equipment.Payer's equipment can be paired with this pay point.Yet network identifier is kept simply and is recorded on the contact type intelligent card, rather than provides actual delivery point as actual paired equipment.When the pay point of reality detected the smart card that is used for payer's equipment, the local area radio communication of pay point was read required network identifier and is adopted this sign from contactless card.Like this, pay point just becomes the paired equipment of payer's equipment.

New pay point

Restaurant's wallet

Pay the form that point can be configured to present for the consumer restaurant's wallet of the payable amount of money by mails, or the form of normally used payment case (receptacle) in the restaurant.At present, the consumer inserts their credit card or pays required cash and pay.Under the situation that the card payment is provided, restaurant workers must be fulfiled other step, and the consumer must wait for.Staff and consumer feel inconvenience.A little be built in the payment case by using payer's equipment and will paying by mails, the consumer can oneself pay and need not wait for, and can between them, separate payment, and need not to require restaurant workers to assist such complex operations, consumer and restaurant workers are all benefited from it.

Other details according to the system of exemplary embodiment:

The sample picture

---------------

Pay：Meter

$2.20

for?20mins

------------

Pay：Food

$50:70

15％tip

****

------------

pay：

DJs?books

$29.95

**** ←------PIN?ENTRY

-----------

Sample message

Payment Request

This message will be sent to phone from network.

Field

Field	Purposes
Field	Purposes	Amount	The amount of money of paying-or, for unit payment-unit price
Payto?text	Firm that will be paid or people's text representation	Amount
Payto?text	Firm that will be paid or people's text representation	Payto#	Firm that will be paid or people's telephone number
Unit?Text	Can reach 4 characters, specify the unit that is used for the unit payment	Payto#	Firm that will be paid or people's telephone number
Unit?Text		Minimum?unit	Payment must a plurality of such units of coupling
Flag：allow?increase		Minimum?unit	Payment must a plurality of such units of coupling
Flag：allow?increase		Flag：allow?decrease

Amount: the amount of money that request will be paid (or its relevant-unit price).

Payto: the people that be paid or the text representation of tissue.

Payto#: the people that be paid or the telephone number of tissue.

Unit Text: can reach 3 characters, show the unit (, then being empty) of the article that will buy if having nothing to do.

Minimum unit: if irrelevant, then would be 0.

Flag-vary up amount?: whether corresponding tip is arranged and whether can increase the amount of money.

Flag-vary down amount?: whether can reduce the amount of money.

The payment transaction flow process

Existing magnetic card transaction

Step	Equipment	Note
Step	Equipment	Note	Swipe the card
The input amount of money			Swipe the card
The input amount of money			Send Txn to bank
Bank begins to confirm		" the payment affirmation step " that vide infra	Send Txn to bank
Bank begins to confirm		" the payment affirmation step " that vide infra

The payment affirmation step

Step	Equipment	Note
Step	Equipment	Note

Feature according to the system of exemplary embodiment:

1. the wireless device that utilizes the consumer the to carry affirmation of paying.

2. the safe wireless equipment that utilizes the consumer the to carry affirmation of paying.

3. utilize safe wireless equipment that the consumer carries to my payment affirmation of paying.

4. affirmation but the safe wireless equipment that the payment options that utilizes slave unit to obtain carries by the consumer is paid.

Contactless card start-up

● the wireless device that utilizes the consumer the to carry affirmation of paying.

● the safe wireless equipment that utilizes the consumer the to carry affirmation of paying.

● utilize safe wireless equipment that the consumer carries to my payment affirmation of paying.

But ● the safe wireless equipment that the payment options that utilizes slave unit to obtain carries by the consumer affirmation of paying.

The wireless device of the safety verification that is used to conclude the business that the consumer carries is by following card start-up:

● contact type intelligent card.

● magnetic-type credit debit card.

● smart card credit debit card.

● the magnetic of mixing/smart card debit/credit card.

The payment feature

● the PIN input pattern on the call screen.

● mail to the protected pay warrant of SIM.

● have the payment picture of % and unit option.

Gateway

● carry out any one communication gate communication in described three tasks in the mobile telephone communications network Central Shanxi Plain.

● be used for the adaptive system of bluetooth or other " in pairs " communication systems.

● have the pay point of the interface that is used for payer's equipment.

● send the mobile phone of dialing tone (touch tone) behind the input particular telephone number.

● utilize voice communication to discern the pay point that will be paid by mobile phone and pay.

It will be apparent for a person skilled in the art that modification and modification will be considered as falling within the scope of the present invention.

Claims

1, a kind of method of paying, this method may further comprise the steps:

The information that is associated with the payer is provided, and described information so that be subjected to is paid the mode that the people can visit described information and is provided,

By receiving the information relevant with described payment with payer's electronic equipment that described payer is associated, and

Use the described electronic equipment that is associated with described payer to provide the instruction of paying.

2, method according to claim 1, the wherein said information relevant with payment comprises payment information, and described method also comprises the step of the payment information that described payer's electronic equipment identification is associated with described payment.

3, method according to claim 2, the described step that wherein provides instruction comprises that described payer's electronic equipment generates message that comprises payment information and the step that this message is sent to transaction processing system.

4, according to claim 2 or the described method of claim 3, wherein said payment information comprises the price of product.

5, according to claim 2,3 or 4 described methods, wherein said payment information comprises the sign of product.

6, according to any described method in the claim 2 to 5, wherein said payment information comprises that the described payment that is subjected to pay the people identifies, thereby described transaction processing system can be paid by the account who pays the people to described.

7, according to any described method in the claim 2 to 6, wherein said payer's electronic equipment comprises display, and described method comprises that also described payer's electronic equipment is set to show the step of payment information on described display.

8, according to any described method in the above claim, the wherein said information relevant with payment comprises payment, and wherein said method comprises that also described payer's electronic equipment changes the step of described payment.

9, method according to claim 8, wherein said payer's electronic equipment comprises user input apparatus, and the described step that changes described payment comprises the step of user by described input media input payment after changing.

10, according to any described method in the above claim, the wherein said information relevant with payment comprises the product information of tabular form, described tabulation comprises at least one product identifiers, and described method comprises that described payer's electronic equipment selects the step of at least one product identifiers, and the described information that is associated with the payer comprises selected product identifiers.

11, method according to claim 10, wherein said tabulation comprises a plurality of described product identifiers, these product identifiers comprise the described menu that is subjected to pay the product that the people provides, thereby described payer's electronic equipment can be selected in the described product one or more, makes describedly to be subjected to pay a people described product can be provided.

12, according to claim 10 or the described method of claim 11, wherein the payer can obtain described tabulation by network, it is uploaded to described payer's electronic equipment.

13, method according to claim 12, wherein said network are the wide area networks such as the internet.

14, according to any described method in the above claim, wherein the described step that receives the information relevant with described payment by described payer's electronic equipment comprises the step that receives the information relevant with described payment from inactive component.

15, method according to claim 14, but the equipment that wherein said inactive component is a light to be read.

16, method according to claim 15, but the equipment that wherein said light reads is bar code.

17, according to claim 14,15 or 16 described methods, wherein the part as invoice provides described inactive component.

18, according to claim 14,15 or 16 described methods, wherein said inactive component provides with the product of sale.

19, according to any described method in the claim 14 to 18, wherein saidly comprise following instruction with the relevant information of payment, described instruction is used to utilize and should be used for controlling described payer's electronic equipment so that the instruction of carrying out described payment to be provided.

20, method according to claim 19 wherein saidly comprises positional information with the relevant information of payment, and this positional information has identified the position that payer's electronic equipment can obtain to upload to the described application of described payer's electronic equipment.

21, according to any described method in the above claim, the step that wherein receives the information relevant with described payment comprises from receiving described information with the described pair people's electronic equipment that is subjected to that be associated by pair people.

22, method according to claim 21, the wherein said information that is associated with the payer comprise makes the described payer's electronic device information that people's electronic equipment can communicate with described payer's electronic equipment that is subjected to pay.

23, method according to claim 22, wherein said payer's electronic device information is provided by the access means that is associated with described payer's electronic equipment.

24, method according to claim 23, wherein said access means is a smart card.

25, according to claim 23 or the described method of claim 24, wherein said access means and described payer's electronic equipment are integrated.

26,, wherein saidly be subjected to pay communicating by letter between people's electronic equipment and the described payer's electronic equipment and undertaken by local area wireless network according to any described method in the claim 22 to 25.

27, according to any described method in the claim 22 to 26, wherein said payer's electronic equipment is undertaken by communicating by letter between pair people's electronic equipment by telephone network with described.

28, method according to claim 27, wherein said telephone network comprises mobile telephone network.

29, according to any described method in the above claim, the described step that wherein provides the instruction of paying comprises that described payer's electronic equipment provides and comprises payment and the described instruction that is subjected to pay people's payment sign, and described instruction is sent to transaction processing system.

30, method according to claim 29 wherein directly is sent to described transaction processing system with described instruction from described payer's electronic equipment.

31, method according to claim 29 wherein is sent to described transaction processing system via being subjected to pay people's electronic equipment with described instruction.

32, according to any described method in the above claim, the described instruction that wherein is used to pay comprises that the expression that is sent to transaction processing system should carry out the affirmation of described payment.

33, method according to claim 32, this method comprise the step that is generated described affirmation by described payer's electronic equipment.

34, method according to claim 33, wherein said payer's electronic equipment comprises input media, and the described step that generation is confirmed comprises that the requirement user makes it possible to generate the step of described affirmation by described input media input.

35, method according to claim 34, the wherein said step that requires is carried out by should being used for of being provided of described payer's electronic equipment.

36, method according to claim 35 realizes in the wherein said firmware that is applied in described payer's electronic equipment.

37, according to claim 34,35 or 36 described methods, wherein said payer's electronic equipment comprises display, and the described step that requires requires described user to approve the information relevant with described payment that appears on the described display by described input media.

38, according to any described method in the claim 32 to 37, wherein said affirmation comprises coded message.

39, according to the described method of claim 38, wherein said coded message is a digital signature.

40, according to any described method in the above claim, the wherein said information that is associated with the payer comprises described payer's account's account identifier.

41, according to the described method of claim 40, wherein said account identifier is by providing the described payer such as the card of credit card to provide.

42, according to the described method of claim 40, wherein said account identifier is a part of account 10, and wherein transaction processing system stores other parts of account 10.

43, according to the described method of claim 42, wherein said part account 10 is provided with encrypted form by described payer's electronic equipment.

44, according to any described method in the above claim, the wherein said information relevant with payment comprises one or more application, described one or more application comprises instruction, and described instruction is used to control described payer's electronic equipment provides the instruction of carrying out described payment.

45, according to the described method of claim 44, described method also comprises the step that described one or more application is uploaded to described payer's electronic equipment from network.

46, according to any described method in the above claim, the wherein said information that is associated with the payer is the affirmation that payment has been taken place.

47, according to any described method in the above claim, the wherein said information that is associated with the payer comprises described payer's sign.

48, according to any described method in the above claim, the described step that wherein provides the instruction of carrying out described payment comprises that described payer's electronic equipment carried out pre-approval to described payment by the pre-approval instruction is provided to transaction processing system before described payment transaction takes place.

49, according to any described method in the above claim, wherein said payer's electronic equipment is a portable set.

50, according to the described method of claim 49, wherein said portable set is a palmtop computer.

51, according to claim 49 or 50 described methods, wherein said portable set is a mobile phone.

52, a kind of method of handling payment transaction, this method may further comprise the steps: transaction processing system receives the instruction of paying from the payer's electronic equipment that is associated with the payer; Described transaction processing system authority to pay; And described transaction processing system provides the payment affirmation that account transfer has been authorized to.

53, according to the described method of claim 52, the described step that wherein receives instruction comprises the step that receives message from payer's electronic equipment, and described message comprises payment information.

54, according to the described method of claim 53, wherein said payment information comprises that payment and the described payment that is subjected to pay the people identify.

55,, wherein provide the described step of payment affirmation to comprise that described transaction processing system is sent to described payment affirmation the step that is subjected to pay people's electronic equipment according to claim 52,53 or 54 described methods.

56,, wherein provide the described step of payment affirmation to comprise that described transaction processing system is sent to described payment affirmation the step of payer's electronic equipment according to any described method in the claim 52 to 55.

57, according to the described method of claim 56, wherein said payer's electronic equipment comprises display, and provides the described step of payment affirmation to comprise described affirmation to be provided, to make it to appear on the described display of described payer's electronic equipment.

58, according to the described method of claim 57, the described payment affirmation that wherein appears on the described display is a machine-readable form, and can read by being subjected to pay people's electronic equipment.

59, according to the described method of claim 58, wherein said machine-readable form is a bar code.

60, according to any described method in the claim 52 to 59, this method also comprises the step that receives product information from described payer's electronic equipment, and described product information has identified at least one product that is subjected to pay the people that will be paid.

61,,, this method is subjected to pay that people's electronic equipment is described is subjected to pay the step that the people can offer described product described payer thereby comprising that described transaction processing system is sent to described product information according to the described method of claim 60.

62, according to claim 60 or the described method of claim 61, this method comprises the step that the product tabulation is uploaded to described payer's electronic equipment, and described product tabulation comprises can be by at least one product that is subjected to pay the people of described payer's electronic equipment selection.

63, according to the described method of claim 62, this method comprises the database that the product tabulation is provided so that upload to the step of payer's electronic equipment, and each product tabulation all comprises can be by corresponding at least one product that is subjected to pay the people of payer's electronic equipment selection.

64, according to any described method in the claim 52 to 63, this method comprises the step that application is uploaded to described payer's electronic equipment, described application comprises instruction, and described instruction is used to control described payer's electronic equipment provides the instruction of carrying out described payment.

65, according to the described method of claim 64, this method comprises provides the database that comprises application so that upload to the step of described payer's electronic equipment, described application has instruction, and described instruction is used to control payer's electronic equipment provides the instruction of paying.

66, according to any described method in the claim 52 to 65, the described instruction that wherein is used to pay comprises the affirmation that should carry out described payment from the expression of described payer's electronic equipment.

67, according to the described method of claim 66, the wherein said coded message that is confirmed to be.

68, according to the described method of claim 67, wherein said coded message is a digital signature.

69, according to claim 66,67 or 68 described methods, wherein said payer's electronic equipment generates described affirmation needs the user to start the input media of described payer's electronic equipment.

70, according to any described method in the claim 66 to 69, this method comprises that described transaction processing system sends the step of the request of confirming to described payer's electronic equipment.

71, according to any described method in the claim 52 to 70, the described instruction that wherein is used to pay comprises payer's account information.

72, according to the described method of claim 71, wherein said payer's account information comprises the part of account identifier, and wherein said transaction processing system stores the remainder of this account identifier, thereby can discern described payer account when described transaction processing system when described payer's electronic equipment receives described part.

73, according to any described method in the claim 52 to 72, the described instruction that wherein is used to pay comprises the pre-approval instruction that is used for the payment that will take place is subsequently carried out pre-approval, and described method comprises that described transaction processing system stores the step of described pre-approval instruction.

74, according to any described method in the claim 52 to 73, the described instruction that wherein is used to pay is from from the transmission of payer's electronic equipment and directly receive.

75, according to any described method in the claim 52 to 73, the described instruction that wherein is used to pay is via being subjected to pay people's electronic equipment from being subjected to pay the transmission of people's electronic equipment and receiving indirectly to described by described payer's electronic equipment.

76, according to any described method in the claim 52 to 74, wherein said payer's electronic equipment is a portable set.

77, according to the described method of claim 76, wherein said portable set is a palmtop computer.

78, according to claim 76 or 77 described methods, wherein said portable set is a mobile phone.

79, a kind of being convenient to from the payer to being subjected to pay the equipment that the people pays transaction, this equipment comprises the payer's electronic equipment that is associated with described payer, and described payer's electronic equipment comprises the payment instruction issue device that is used to receive the payment information receiving trap of the information relevant with described payment and is used to provide the instruction of carrying out described payment.

80, according to the described equipment of claim 79, wherein said payer's electronic equipment comprises the payment processes device that is used to discern payment information.

81,0 described equipment according to Claim 8, wherein said payer's electronic equipment comprise the message issue device that is used to generate the message that comprises payment information and are used for described message is sent to the dispensing device of transaction processing system.

82,1 described equipment according to Claim 8, wherein said payment information comprises payment.

83, according to Claim 81 or the described equipment of claim 82, wherein said payment information comprises the sign of product.

84,1,82 or 83 described equipment according to Claim 8, wherein said payment information comprise that the described payment that is subjected to pay the people identifies, and handles the payment that is subjected to pay people account for described thereby be convenient to described transaction processing system.

85, according to any described equipment in the claim 79 to 84, wherein said payer's electronic equipment comprises display, and is used to show payment information.

86, according to any described equipment in the claim 79 to 85, the wherein said information relevant with payment comprises payment, and wherein said payer's electronic equipment comprises the input media that makes described user can change described payment.

87, according to any described equipment in the claim 79 to 86, the wherein said information relevant with payment comprises product information, described product information comprises at least one product identifiers, and described payer's electronic equipment comprises and is used to select at least one product identifiers to be sent to the selecting arrangement that is subjected to pay the people.

88,7 described equipment according to Claim 8, wherein said product information is a tabular form, described tabulation comprises a plurality of product identifiers that described payer's electronic equipment can therefrom be selected.

89, according to Claim 87 or the described equipment of claim 88, wherein said payer's electronic equipment is used for uploading described product information from the database that can obtain described product information.

90, according to any described equipment in the claim 79 to 89, wherein said payer's electronic equipment comprises the reading device that is used for reading from inactive component the information relevant with described payment.

91, according to the described equipment of claim 90, but the equipment that wherein said inactive component is a light to be read, and described reading device comprises optical pickup.

92, according to the described equipment of claim 91, but the equipment that wherein said light reads is bar code.

93, according to claim 91 or the described equipment of claim 92, wherein said reading device comprises camera.

94, according to any described equipment in the claim 91 to 93, wherein said reading device is used to discern the inactive component of the information that provides relevant with described payment.

95, according to any described equipment in the claim 79 to 94, described payer's electronic equipment also comprises the communicator that is used for and communicated by pair people's electronic equipment.

96, according to the described equipment of claim 95, wherein said communicator comprises and makes it possible to the device that communicates by local area wireless network.

97, according to claim 95 or the described equipment of claim 96, described payer's electronic equipment comprises and is used for being subjected to pay to described that people's electronic equipment provides information so that can be subjected to pay the access means that communicates between people's electronic equipment and the described payer's electronic equipment described.

98, according to the described equipment of claim 97, wherein said access means is a smart card.

99, according to claim 97 or the described equipment of claim 98, wherein said access means and described payer's electronic equipment are integrated.

100, according to any described equipment in the claim 95 to 99, wherein said payer's electronic equipment comprises the dispensing device that is used for sending to transaction processing system the instruction of carrying out described payment, and described dispensing device is used for sending described instruction via the described pair people's electronic equipment that is subjected to.

101, according to any described equipment in the claim 79 to 100, described payer's electronic equipment comprises remote transmitting device, and the instruction that this remote transmitting device is used for carrying out described payment is sent to transaction processing system.

102, according to the described equipment of claim 101, wherein said remote transmitting device is the transmitter that is used for sending via mobile telephone network signal.

103, according to any described equipment in the claim 79 to 102, the instruction that wherein is used to carry out described payment comprises that the expression that sends to transaction processing system should carry out the affirmation of described payment, and described payment instruction issue device comprises and is used to generate described affirmation apparatus for converting shy with strangers really.

104, according to the described equipment of claim 103, wherein said payer's electronic equipment comprises input media, and will make described affirmation generating apparatus generate user's input that described affirmation need be passed through described input media.

105, according to the described equipment of claim 104, wherein said affirmation generating apparatus is partly or wholly realized by firmware.

106, according to claim 104 or the described equipment of claim 105, wherein said payer's electronic equipment comprises display, and described affirmation generating apparatus requires described user to approve the information relevant with described payment that appears on the described display by described input media, so that be that it generates affirmation.

107, according to claim 104,105 or 106 described equipment, wherein said affirmation generating apparatus is used to generate the affirmation of coded message form.

108, according to the described equipment of claim 107, wherein said coded message is a digital signature.

109, according to any described equipment in the claim 79 to 108, described payer's electronic equipment comprises the memory storage that is used to store at least one application, described application comprises instruction, and described instruction is used to control described payment instruction issue device and provides the instruction of carrying out described payment.

110, according to the described equipment of claim 109, described payer's electronic equipment is used for uploading described at least one application from database.

111, according to any described equipment in the claim 74 to 110, the instruction that wherein is used to carry out described payment comprises the account's who has identified described payer account identifier.

112, according to the described equipment of claim 111, wherein said account identifier comprises the part of account number, and wherein transaction processing system stores other parts of account.

113, according to any described equipment in the claim 79 to 112, the instruction that wherein is used to carry out described payment comprises pre-approval, and this pre-approval is used to authorize the payment for follow-up payment transaction.

114, a kind of transaction processing system that is used to handle payment transaction, this system comprises: the payment instruction receiving trap is used for being used for from described payer to being subjected to pay the instruction that the people pays from the payer's electronic equipment reception that is associated with the payer; And the payment processes device, be used to authorize from payer account to the funds transfer that is subjected to pay people account.

115, according to the described transaction processing system of claim 114, this transaction processing system also comprises and is used to confirm to pay the payment affirmation device that has taken place.

116, according to the described system of claim 115, wherein said payment affirmation device is used for payment affirmation is sent to described and is subjected to pay that the people is associated is subjected to pay people's electronic equipment.

117, according to claim 115 or the described system of claim 116, wherein said payment affirmation device is used for payment affirmation is sent to described payer's electronic equipment.

118, according to the described system of claim 117, wherein said payer's electronic equipment comprises display, and described payment affirmation device provides described payment affirmation, makes it to appear on the described display of described payer's electronic equipment.

119, according to the described system of claim 118, the described payment affirmation that wherein appears on the described display is a machine-readable form, and can read by being subjected to pay people's electronic equipment.

120, according to the described system of claim 119, wherein said machine-readable form is a bar code.

121, according to any described system in the claim 114 to 120, this system also comprises the product information receiving trap that is used for receiving from described payer's electronic equipment product information, and described product information has identified at least one product that is subjected to pay the people that will be paid.

122, according to the described system of claim 121, this system also comprises being used for described product information is sent to and is subjected to pay people's electronic equipment, thereby describedly is subjected to pay the product information dispensing device that the people can offer described product described payer.

123, according to claim 121 or 122 described systems, this system also comprises the database of product tabulation, and make it possible to the product tabulation is uploaded to payer's electronic equipment, each product tabulation all comprises can be by corresponding at least one product that is subjected to pay the people of payer's electronic equipment selection.

124, according to any described system in the claim 114 to 123, this system also comprises database, described database comprises the one or more application that are used to upload to described payer's electronic equipment, described one or more application comprises instruction, and described instruction is used to control described payer's electronic equipment provides the instruction of paying.

125, according to any described system in the claim 114 to 124, the instruction that wherein is used to carry out described payment comprises the affirmation that should carry out described payment from the expression of described payer's electronic equipment.

126, according to the described system of claim 125, the wherein said coding form of confirming as, and described system comprises and is used for device that described instruction is decoded.

127, according to the described system of claim 126, wherein said coding form is a digital signature.

128, according to any described system in the claim 114 to 127, the instruction that wherein is used to carry out described payment comprises payer's account information, this payer's account information comprises the part of account identifier, and described system also comprises the database of the remainder that stores described account identifier, thereby can discern described payer account.

129, according to any described system in the claim 114 to 128, this system also comprises the pre-approval database that stores the pre-approval instruction, and described pre-approval instruction is used for pre-approval is carried out in the payment that takes place subsequently.

130, a kind of equipment of being convenient to handle transaction, this equipment comprise and are used for and are subjected to pay people's electronic equipment according to what any described transaction processing system of claim 114 to 129 communicated.

131, according to the described equipment of claim 130, this equipment is used to receive the product information that has identified at least one product.

132, according to the described equipment of claim 131, this equipment comprises the device that is used to print described product tabulation.

133, a kind of system, this system comprises: according to any described equipment in the claim 79 to 99; According to any described system in the claim 115 to 129; And according to any described equipment in the claim 130 to 132.

134, a kind of database, this database comprise the available a plurality of product tabulations of payer's electronic equipment, thereby described payer's electronic equipment can be selected one or more product from described product tabulation, send to be subjected to pay the people, to satisfy product demand.

135, a kind of inactive component, this inactive component can be read by payer's electronic equipment, so that the transaction of paying.

136, according to the described equipment of claim 135, wherein said inactive component is a bar code.

137, according to claim 135 or the described equipment of claim 136, wherein said inactive component comprises makes described payer's electronic equipment can handle the payment information of payment.

138, according to any described equipment in the claim 135 to 137, wherein said inactive component comprises the product tabulation, and this product has been listed at least one product of selecting for described payer's electronic equipment.

139, according to claim 135 or 136 described equipment, wherein said inactive component is associated with product, and provides following information, this information to make payer's electronic equipment can make the transaction of the described product of payment convenient more.

140, according to the described equipment of claim 139, wherein said inactive component sticks on the described product or in the packing of product.

141, according to any described equipment in the claim 135 to 138, wherein said inactive component is the part of the menu in restaurant or the restaurant.

142, according to any described equipment in the claim 135 to 140, wherein said inactive component comprises the information of using that identified, and described payer's electronic equipment utilizes the described payment transaction facility more that should be used for making.

143, a kind of inactive component, this inactive component comprise the information that has identified application, and electronic equipment utilizes the described information that is associated with described inactive component that should be used for handling.

144, according to the described equipment of claim 143, wherein said inactive component is a bar code.

145, a kind of computer program, this computer program comprise and are used for controlling computing equipment to implement the instruction according to any described method of claim 1 to 51.

146, a kind of computer-readable medium that provides according to the described computer program of claim 145.

147, a kind of computer program, this computer program comprise and are used for controlling computing equipment to implement the instruction according to any described method of claim 52 to 78.

148, a kind of computer-readable medium that provides according to the described computer program of claim 147.

149, a kind of method that starts software application, this method may further comprise the steps: the inactive component that utilizes the information that comprises the position that has identified software application; Described information is uploaded to subscriber equipment; And utilize described subscriber equipment to obtain described application from remote location.

150, a kind of method of organizing formation, this method may further comprise the steps: provide information to user's mobile phone, this information representation the position of user in described formation; And along with described user moving of position and upgrade described information in described formation.