CN101154280A - Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone - Google Patents
Payment affirmation system and method for full-automatic buying air ticket and booking hotel by mobile phone Download PDFInfo
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Abstract
A system and a method of confirming payment for buying airline ticket and booking hotel room enables a customer to buy airline ticket or book hotel room anywhere anytime through sending a short message to the financial system of a travel agency with mobile phone and pay with a bank card. The payment data is divided into two parts, wherein, the data like the number of the bank card and the payment amount is transmitted to the bank by the mobile phone of the customer through the financial system of the travel agency, while the bank card code and the payment amount are transmitted directly to the bank by the mobile phone of the customer, and a computer center of the bank uses the bank card account of the customer to pay according to the payment data. As the payment data is transmitted via two different paths and the bank card code is directly transmitted from the mobile phone of the customer to the bank, the bank card code definitely can not be revealed to the travel agency. Furthermore, a confirmation system can check the incoming call number which sends confirmation information and only the confirmation information sent from the mobile phone of the customer is valid. The invention is a quick, convenient, safe and reliable fully automatic method of buying electronic airline ticket and booking hotel room.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the field of combination of computer and communication technologies, in particular to a system and a method for payment confirmation of a bank card by using the technology.
[ technical background ] A method for producing a semiconductor device
At present, passengers generally buy air tickets through travel agencies or directly buy the air tickets from airlines, and the ticket buying is generally carried out on the counter of the travel agencies or the airlines, which is very inconvenient. Some travel agencies provide telephone ticket booking services, passengers need to call the travel agencies to buy tickets and wait for the travel agencies to send the tickets, and guests pay the ticket fees in cash, so the whole process generally needs hours, and many times, the passengers need to wait for the travel agencies to send the tickets in hotel rooms, which is very time-consuming and inconvenient.
[ summary of the invention ]
The invention aims to provide a system and a method for confirming payment for purchasing an air ticket and booking a hotel by using a mobile phone.
The object of the invention is achieved by a system for confirming payment by mobile phone, which mainly comprises:
a mobile phone payment bank password confirmation system (1), a mobile phone air ticket buying and hotel booking accounting system (2), a user mobile phone (3), a payment gateway (4), a bank computer center (5),
wherein,
the mobile payment bank password confirmation system (1) is a device of a computer system and a communication device, is responsible for processing and verifying payment information transmitted from a user mobile phone (3) and a mobile phone air-ticket buying and booking hotel accounting system (2), deducts money from accounts of a credit card, a debit card, a withdrawal card, a bank account and the like of a user through a payment gateway (4) and a bank computer center (5) according to the content of the payment information, and transfers the money to the bank account of a payment merchant,
the mobile phone air ticket buying and hotel booking accounting system (2) is a device with a computer system and a communication device and is responsible for processing relevant inquiry and transaction of air ticket buying and hotel booking of a user,
the user mobile phone (3) is the own mobile phone or PDA mobile phone of the user, and is responsible for transmitting the information about the purchase of the air ticket and the payment confirmation information, and receiving the information sent by the mobile phone air ticket purchase hotel accounting system (2) and the mobile phone payment bank password confirmation system (1),
the payment gateway (4) is a payment processing system of the bank card and is responsible for processing the payment request information sent by the mobile payment bank password confirmation system (1), deducting money from the bank card account of the user through a bank computer center (5) according to the information content and transferring the money to the bank account of the payment merchant,
the bank computer center (5) is a bank account computer system of an issuing bank,
the method divides payment information into two parts, namely account information and confirmation information, then respectively transmits the account information and the confirmation information to a bank computer center (5) through two different transmission ways by a user mobile phone (3), the bank computer center (5) pays in an account of a bank card account number according to the payment information, the confirmation information comprises a bank card password and a payment amount, the account information comprises the bank card account number and the payment amount, and the bank card comprises a credit card, a debit card, a cash withdrawal card, a bank account and the like.
The used transmission path of the confirmation information is transmitted to the bank computer center (5) by the user mobile phone (3) through the confirmation system (1) and the payment gateway (4), and the used transmission path of the account information is transmitted to the bank computer center (5) by the user mobile phone (3) through the accounting system (2), the confirmation system (1) and the payment gateway (4).
And, a telecommunication method for confirming payment by means of a mobile phone, using a system as described above, in particular, a procedure in which the mobile phone (3) of the user is used as a means for confirmation of payment.
Thus, the present invention has been accomplished.
For convenience of explanation, the present specification uses the confirmation system (1) as an abbreviation of the mobile payment bank password confirmation system (1), and uses the accounting system (2) as an abbreviation of the mobile phone air-ticket buying and hotel accounting system (2). The accounting system (2) is a ticket computer system of a travel agency, a ticket computer system of an airline company, a ticket computer system of an air ticket agency, a ticket computer system of hotel housing reservation and the like, and is responsible for processing tasks such as inquiry, reservation, selling, hotel housing reservation and the like of the air ticket.
Compared with the common payment method, the common payment method is that the merchant requires the user to input the password, namely the confirmation information, in the POS machine of the user and then transmits the password to the bank, the system and the method of the invention actively transmit the confirmation information to the bank, the mobile phone (3) of the user is equal to the password keyboard of the POS machine of the merchant, and the user only presses the password on the mobile phone of the user, thereby preventing the password from leaking and preventing the merchant from stealing the bank card password of the client by a fake POS machine.
The invention has the advantages that the user can send short messages to the travel agency to purchase air tickets at any time and any place by using the mobile phone, the payment is paid by the bank card, the payment information of the payment is transmitted by two different ways, wherein the card number and the payment amount are transmitted to the confirmation system (1) through the user mobile phone (3) and the accounting system (2), the payment confirmation information such as bank card password is transmitted to the confirmation system (1) through the user mobile phone (3), therefore, the bank card password of the user is never revealed to the merchant, the confirmation system (1) can check the incoming telephone number of the received payment confirmation information, the payment confirmation information is confirmed successfully only by being sent from the mobile phone (3) of the user, the confirmation system (1) cannot accept the payment confirmation information sent by the mobile phone (3) of the non-user, and the method is a quick, convenient, safe and reliable full-automatic method for purchasing the electronic ticket.
[ description of the drawings ]
FIG. 1 is a diagram illustrating the structure and steps of the system and method for confirming payment using a mobile phone according to the present invention.
Fig. 2 is a diagram illustrating the structure and steps of another embodiment of the system and method for confirming payment using a mobile phone according to the present invention.
FIG. 3 is a diagram illustrating steps of an embodiment of the present invention applied to online shopping.
FIG. 4 is a diagram illustrating steps of another embodiment of the present invention applied to online shopping.
Fig. 5 and 6 are illustrative diagrams of an embodiment of a computer keyboard system for simulating human hand input using a manipulator in the system of the present invention.
[ detailed description ] embodiments
The present invention will be described in further detail with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a diagram illustrating the structure and steps of the system and method for confirming payment using a mobile phone according to the present invention, illustrating the structure of the system and the basic method and steps. As mentioned above, the system of the invention mainly comprises a confirmation system (1), an accounting system (2), a user mobile phone (3), a payment gateway (4), a bank computer center (5),
wherein, the confirmation system (1) is internally provided with a mobile phone (1-1) as a communication tool with the user mobile phone (3) and the accounting system (2), the mobile phone (1-1) is mainly used for receiving confirmation information sent from the user mobile phone (3) and sending data related to transaction expenditure to the user mobile phone (3), receiving payment request information sent from the accounting system (2) and sending payment success information to the accounting system (2),
and the accounting system (2) is internally provided with a short message receiving and sending device (2-1), the short message receiving and sending device (2-1) is used as a communication tool of the accounting system (2) and the user mobile phone (3) and the confirmation system (1), the accounting system (2) receives related ticket purchasing information sent from the user mobile phone (3) through the short message receiving and sending device (2-1), sends information to the user mobile phone (3), sends payment requesting information to the confirmation system (1) and receives payment success information sent by the confirmation system (1), and the short message receiving and sending device (2-1) is a mobile phone or a PDA mobile phone or a computer system capable of receiving and sending short messages.
In the aspect of system arrangement, the existing payment system of credit card and debit card can be used, and the system of the invention can be well formed by additionally arranging the confirmation system (1) and the accounting system (2).
Continuing to refer to fig. 1, fig. 1 shows a system for selling and booking hotel housing using the full-automatic electronic ticket of the present invention, wherein the payment gateway (4) and the bank computer center (5) are the payment gateway of the current common credit card and debit card and the bank computer center, such as the payment gateway of the chinese unions, the credit computer center of the chinese banks, the bank payment gateway of the hong kong, the VISA credit computer center of each bank, etc., the confirmation system (1) and the payment gateway (4) are also shown in the figure and located in the same dotted box, that is, only the confirmation system (1) is added to the original payment gateway and the accounting system (2) is added to the travel agency, wherein the confirmation system (1) is electrically connected to the payment gateway (4), and the confirmation system (1) and the accounting system (2) transmit data through the mobile phone network, and, the confirmation system (1) also sets up a payment confirmation telephone number hotline for receiving payment confirmation information of the user, thus completing the setting of the system of the present invention.
A user registers a phone number of a mobile phone (3) of the user and a bank card account number of the user, namely a bank card number, in a confirmation system (1) in advance, the phone number of the mobile phone (3) of the user and the bank card account number of the user are bound together, meanwhile, the user registers personal data such as the phone number of the mobile phone (3) of the user, the bank card number, a name, an identity card number, gender, age and the like in an accounting system (2) in advance, and the registered personal data is used when the accounting system (2) is used for handling ticket purchasing procedures for the user.
Thus, the constitution of the system of the present invention is basically clearly explained.
When the system and the method of the invention are used for buying the air ticket or booking the hotel housing, the user transmits the information of the air ticket or booking the hotel and the payment information of the bank card account number of the user, namely the bank card number and the like to the accounting system (2) through the user mobile phone (3), the accounting system (2) calculates the payment amount according to the information transmitted by the user mobile phone (3), then transmits the request payment information to the confirmation system (1), the request payment information comprises the bank card number and the payment amount, and the user transmits the payment confirmation information of the password of the bank card, the payment confirmation information of the payment amount and the like to the confirmation system (1) through the user mobile phone (3), the confirmation system (1) checks the request payment information and the payment amount in the payment confirmation information, and the payment amount in the payment confirmation information is checked to be correct and then is transmitted from the bank card account of the user through the payment gateway (4) and the bank computer center (5), and deducting money and transferring the money to a bank account of a payment merchant, wherein the bank card comprises a credit card, a debit card, a withdrawal card, a bank account and the like.
In the system and the method of the invention, the method for transmitting information between the user mobile phone (3) and the confirmation system (1), the short message receiving and sending device (2-1) of the accounting system (2) and the confirmation system (1) mainly uses short messages to transmit information, and can also use USSD (Unstructured Supplementary Service Data) technology of a mobile phone network to transmit information, when the information is transmitted by the USSD information method, a server for processing USSD information is added in the confirmation system (1), USSD information sent by the user mobile phone (3) or the short message receiving and sending device (2-1) is transmitted to the confirmation system (1) according to a preset program by adding a USSD information processing server, and the USSD information of the invention is transmitted by using the USSD technology, which is the protection scope of the invention.
Thus, the present invention has been achieved.
With continued reference to fig. 1, fig. 1 illustrates a first embodiment of the system and method of the present invention, wherein a user purchases an airline ticket or bookes a hotel housing using the system and method of the present invention, using the following group a steps,
A1. the user sends the air ticket to be purchased or the hotel housing data to be reserved to the accounting system (2) by the mobile phone (3) of the user through short messages,
A2. after receiving the short message, the accounting system (2) knows the items required to be inquired by the user from the content of the short message, replies the relevant flight data of the air ticket or the relevant hotel housing data to the mobile phone (3) of the user by the short message,
A3. the user sees the flight ticket or hotel housing data of each flight provided by the accounting system (2) from the content of the reply short message received by the user mobile phone (3), selects the flight ticket of the required flight or the hotel housing data of the required check-in, sends the selected data back to the accounting system (2) by short message, requests the accounting system (2) to purchase the flight ticket of the selected flight or to book the selected hotel housing,
A4. the accounting system (2) receives a request proxy short message sent by a user mobile phone (3), finds flight air tickets selected by the user or information of selected hotel rooms from the content of the short message, calculates the air ticket cost of the flight or the housing cost of the reserved hotel, namely the payment amount, finds personal information of the user including name, identification number, sex, age and bank card number of the user in an account record of the accounting system (2) from the incoming telephone number of the short message, immediately sends a request payment information to the confirmation system (1) by the accounting system (2) by the short message, wherein the request payment information includes the bank card number and the payment amount of the user,
A5. after the user sends the request proxy message to the accounting system (2) in step a3, the user uses the user's mobile phone (3) to send payment confirmation information to the confirmation system (1) within a specified time, where the payment confirmation information includes a bank card password and a payment amount, for example, the bank card password is 654321, the payment amount is 1600 yuan, and the content of the payment confirmation information is 654321#1600#, where the symbol # is used to separate the bank card password and the payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
A6. the confirmation system (1) finds the bank account number of the accounting system (2) from the incoming telephone number of the short message requesting the payment information received in the step A4, finds the bank card number and the payment amount of the user from the account record of the confirmation system (1), checks the bank card number and the payment amount with the bank card number and the payment amount in the step A5, transmits the data such as the bank account number, the payment amount, the bank card number and the bank card password of the user of the accounting system (2) to the payment gateway (4) after the check is correct,
AA, the payment gateway (4) transmits the data of the bank account number, the payment amount, the bank card number of the user, the bank card password and the like of the accounting system (2) to the bank computer center (5) to request payment,
AB, after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, transferring the money of the payment amount from the bank card account of the user to the bank account of the accounting system (2) and sending successful payment information to the payment gateway (4),
A7. the payment gateway (4) forwards the payment success information to the validation system (1),
A8. the confirmation system (1) sends a payment success message to the accounting system (2),
A9. the accounting system (2) immediately checks and purchases the air ticket of the selected flight or reserves the hotel housing after receiving the successful payment information, and transmits the air ticket data of the purchased flight or the hotel housing reservation data to the user mobile phone (3) by short message, and asks the user to check in the airport counter before the flight departure of the flight by the identification document or check in the hotel on time,
A10. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
Referring to fig. 2, fig. 2 is a second embodiment of the system and method of the present invention, which differs from the first embodiment in that there is no payment gateway (4), the confirmation system (1) can be located in the bank, and the confirmation system (1) is directly connected to the bank computer center (5), and the operation related to payment can be performed without passing through the payment gateway (4), which has the advantage of simpler structure, but only the bank card issued by the bank of the bank computer center (5) can be used to pay for the flight ticket or order the hotel, fig. 2 shows the method and steps when the user buys the flight ticket or reserves the hotel housing, and the following group B steps are adopted,
B1. the user sends the air ticket to be purchased or the hotel housing data to be reserved to the accounting system (2) by the mobile phone (3) of the user through short messages,
B2. after receiving the short message, the accounting system (2) knows the items required to be inquired by the user from the content of the short message, replies the relevant flight data of the air ticket or the relevant hotel housing data to the mobile phone (3) of the user by the short message,
B3. the user sees the flight ticket or hotel housing data of each flight provided by the accounting system (2) from the content of the reply short message received by the user mobile phone (3), selects the flight ticket of the required flight or the hotel housing data of the required check-in, sends the selected data back to the accounting system (2) by short message, requests the accounting system (2) to purchase the flight ticket of the selected flight or to book the selected hotel housing,
B4. the accounting system (2) receives a request proxy short message sent by a user mobile phone (3), finds flight air tickets selected by the user or information of selected hotel rooms from the content of the short message, calculates the air ticket cost of the flight or the housing cost of the reserved hotel, namely the payment amount, finds personal information of the user including name, identification number, sex, age and bank card number of the user in an account record of the accounting system (2) from the incoming telephone number of the short message, immediately sends a request payment information to the confirmation system (1) by the accounting system (2) by the short message, wherein the request payment information includes the bank card number and the payment amount of the user,
B5. after the user sends the request proxy message to the accounting system (2) in step B3, the user uses the user mobile phone (3) to send payment confirmation information to the confirmation system (1) within a specified time, where the payment confirmation information includes the bank card password and the payment amount, for example, the bank card password is 654321, the payment amount is 1600 yuan, and the content of the payment confirmation information is 654321#1600#, where the symbol # is used to separate the bank card password and the payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
B6. the confirmation system (1) finds the bank account number of the accounting system (2) from the incoming telephone number of the short message requesting payment information received in the step B4, finds the bank card number and the payment amount of the user from the account record of the confirmation system (1), checks the bank card number and the payment amount with the bank card number and the payment amount in the step B5, transmits the data of the bank account number, the payment amount, the bank card number and the bank card password of the user and the like of the accounting system (2) to the bank computer center (5) to request payment after checking is correct,
B7. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, the money of the payment amount is transferred from the bank card account of the user to the bank account of the accounting system (2), and the successful payment information is sent to the confirmation system (1),
B8. the confirmation system (1) sends a payment success message to the accounting system (2),
B9. the accounting system (2) immediately checks and purchases the air ticket of the selected flight or reserves the hotel housing after receiving the successful payment information, and transmits the air ticket data of the purchased flight or the hotel housing reservation data to the user mobile phone (3) by short message, and asks the user to check in the airport counter before the flight departure of the flight by the identification document or check in the hotel on time,
B10. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
In the first embodiment and the second embodiment, the user buys the air ticket by the name of the user, the air ticket is only used by the user, the user can also help other people to buy the air ticket, as long as the personal data of the airplane boarding person is added into the short message sent to the accounting system (2) by the mobile phone (3) of the user in the step A3 or the step B3, the accounting system (2) transacts the procedure of buying the air ticket by the personal data of the airplane boarding person in the step A9 or the step B9, and the user can buy the air ticket by the other people.
Referring to fig. 3, fig. 3 is a diagram illustrating the structure and steps of the system and method of the present invention applied to online shopping, which is a system for confirming payment by using a mobile phone, the system mainly includes: a confirmation system (1), a user mobile phone (3), a payment gateway (4), a bank computer center (5), a shopping website (6), an internet access device (7),
wherein the shopping website (6) comprises: a website selling airline tickets, or a website reserving hotel rooms, or a website selling goods, or a website selling services, or an auction website,
and the internet device (7) is a computer which can be connected to the internet, or a mobile phone which can be connected to the internet, or a PDA which can be connected to the internet.
The shopping website (6) is connected with the internet access device (7) through the internet, and the shopping website (6) is connected with the confirmation system (1) through the internet.
The parts of the validation system (1), the user mobile phone (3), the payment gateway (4) and the bank computer center (5) shown in fig. 3 are the same as the parts of the validation system (1), the user mobile phone (3), the payment gateway (4) and the bank computer center (5) shown in fig. 1, and the description is not repeated here.
With continuing reference to fig. 3, fig. 3 illustrates a third embodiment of the present invention, a method and steps for confirming payment by mobile phone when a user purchases on the internet, using the following group C steps,
C1. the user uses the internet device (7) to surf the internet to the shopping website (6), selects the item to be purchased, inputs the payment data such as the bank card number of the user, and transmits the payment data and the data of the selected purchased item, namely the shopping data, to the shopping website (6) through the internet device (7) and the internet,
C2. after the shopping website (6) receives the shopping information of the user, the bank card number and the selected purchased item are found from the shopping information content, the payment amount is calculated from the selected purchased item, the payment informing information is immediately transmitted to the internet access device (7) through the internet, the related payment amount of the user is informed, and the user is requested to send payment confirming information to the confirming system (1) within the appointed time,
C3. the shopping website (6) sends payment request information to the confirmation system (1), the payment request information comprises the bank card number and the payment amount of the user and the bank account number of the shopping website (6),
C4. after receiving the payment notification message from the shopping website (6) in step C2, the user sends a payment confirmation message to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation message includes a bank card password and a payment amount; the user can transmit payment confirmation information to the confirmation system (1) through a mobile phone (3) of the user by a short message, for example, the password of the bank card is 654321, the payment amount is 500 yuan, the content of the payment confirmation information is 654321#500#, wherein the symbol # is used for separating the password of the bank card and the payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
C5. the confirmation system (1) finds the bank card number and the payment amount of the user from the content of the payment request information received in the step C3, checks the bank card number and the payment amount with the bank card number and the payment amount in the step C4, transmits the data of the bank account number, the payment amount, the bank card number of the user, the bank card password and the like of the shopping website (6) to the payment gateway (4) after checking is correct,
CA. the payment gateway (4) transmits the data of the bank account number, payment amount, user's bank card number and password of the shopping website (6) to the bank computer center (5) to request payment,
CB. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, transfers the money of the payment amount from the bank card account of the user to the bank account of the shopping website (6) and sends the payment success information to the payment gateway (4),
C6. the payment gateway (4) forwards the payment success information to the validation system (1),
C7. the confirmation system (1) sends payment success information to the shopping website (6),
C8. after the shopping website (6) receives the successful payment information, the user is immediately transacted to purchase the selected item, the transaction completion information is transmitted to the internet access device (7) through the internet, the user is informed that the transaction of the item purchased by the user is completed, the shopping website (6) arranges related delivery matters,
C9. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
Referring to fig. 4, fig. 4 is a fourth embodiment of the system and method of the present invention, which is different from the third embodiment in that there is no payment gateway (4), the confirmation system (1) can be located in the bank, and the confirmation system (1) is directly connected to the bank computer center (5), the operation related to payment can be performed without passing through the payment gateway (4), which has the advantage of simpler structure, but only the bank card issued by the bank of the bank computer center (5) can be used to pay for online shopping, fig. 4 shows the method and steps for confirming payment by mobile phone when the user is online shopping, the following group D steps are adopted,
D1. the user uses the internet device (7) to surf the internet to the shopping website (6), selects the item to be purchased, inputs the payment data such as the bank card number of the user, and transmits the payment data and the data of the selected purchased item, namely the shopping data, to the shopping website (6) through the internet device (7) and the internet,
D2. after the shopping website (6) receives the shopping information of the user, the bank card number and the selected purchased item are found from the shopping information content, the payment amount is calculated from the selected purchased item, the payment informing information is immediately transmitted to the internet access device (7) through the internet, the related payment amount of the user is informed, and the user is requested to send payment confirming information to the confirming system (1) within the appointed time,
D3. the shopping website (6) sends payment request information to the confirmation system (1), the payment request information comprises the bank card number and the payment amount of the user and the bank account number of the shopping website (6),
D4. after receiving the payment notification message from the shopping website (6) in step D2, the user sends a payment confirmation message to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation message includes a bank card password and a payment amount; the user can transmit payment confirmation information to the confirmation system (1) through a mobile phone (3) of the user by a short message, for example, the password of the bank card is 654321, the payment amount is 500 yuan, the content of the payment confirmation information is 654321#500#, wherein the symbol # is used for separating the password of the bank card and the payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
D5. the confirmation system (1) finds the bank card number and payment amount of the user from the content of the payment request information received in the step D3, checks the bank card number and payment amount with the bank card number and payment amount in the step D4, transmits the data of the bank account number, payment amount, user's bank card number and bank card password of the shopping website (6) to the bank computer center (5) after checking the data,
D6. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, the money of the payment amount is transferred from the bank card account of the user to the bank account of the shopping website (6), and the payment success information is sent to the confirmation system (1),
D7. the confirmation system (1) sends payment success information to the shopping website (6),
D8. after the shopping website (6) receives the successful payment information, the user is immediately transacted to purchase the selected item, the transaction completion information is transmitted to the internet access device (7) through the internet, the user is informed that the transaction of the item purchased by the user is completed, the shopping website (6) arranges related delivery matters,
D9. the bank computer center (5) sends a short message to the mobile phone (3) of the user through the confirmation system (1) to inform the user of the detailed information of the related bank card expenditure.
Referring to fig. 5 and 6, fig. 5 and 6 are further improved embodiments of the present invention, which is a further improvement of the computer keyboard system and corresponding input method (chinese patent application No. 200610062530.4) using a manipulator to simulate human hand input according to my invention, and can improve the safety of the present invention, and the present embodiment is basically the same as the second and fourth embodiments in structure and steps, except that a bank computer terminal (8-1), a terminal keyboard (8-2), a manipulator (8-3), and a keyboard emulator (8-4) are used, wherein the confirmation system (1) uses the manipulator (8-3) to input data to the bank computer terminal (8-1) and the bank computer center (5) through the terminal keyboard (8-2); or the confirmation system (1) inputs data into the bank computer terminal (8-1) and the bank computer center (5) through the keyboard simulator (8-4). Because the mechanical arm (8-3) and the terminal keyboard (8-2) are only mechanically connected and have no connection line on an electronic signal, the mechanical arm and the terminal keyboard are isolated by using a physical isolation mode, provide more effective isolation than firewall software, are the most effective isolation, are quick, convenient and safe, and are not afraid of the illegal operation of the confirmation system (1) on the bank computer center (5).
The operation method and steps of the embodiment of fig. 5 and 6 are substantially the same as those of the second and fourth embodiments, and a description thereof will not be repeated.
Furthermore, the invention can adopt the invention of the inventor that the encryption transmission method and the system of the transmission code plus the self-definite equation is equal to the bank password are further improved, the user sets a self-definite equation in the confirmation system (1) in advance, and the bank card password in the payment confirmation information transmitted by the user to the confirmation system (1) is changed into the transmission code, when the confirmation system (1) receives the payment confirmation information of the user, the transmission code is found from the information content, the received transmission code is immediately restored into the bank card password of the user by the self-definite equation of the user, and then the bank card password is transmitted to the bank computer center (5). The security of the invention can be further enhanced by adopting the transmission code, and the user is not afraid of accidentally revealing the password in the transmission process, for example, the confirmation information is wrongly sent to other telephone numbers, because the transmission code is not the bank password, only the transmission code sent by the mobile phone (3) of the user can be received by the confirmation system (1), even if the card number and the transmission code are stolen by a person, the false card is copied, and the card can not be successfully swiped for consumption without the mobile phone of the user. For details of the transmission code, reference is made to the description of the encryption transmission method and system in which the transmission code plus self-defining equation is equal to the bank password.
The system and the method of the invention are very characteristic, which opens up new application of the mobile phone, besides the above mentioned implementation examples, the invention is also suitable for various payment applications, as long as the financial system (2) or the shopping website (6) is changed into the account payment system of other commercial tenants, the system and the method of the invention can be applied, including the applications in the aspects of online shopping payment, online game recharging payment, television shopping payment, telephone card recharging payment, intelligent card recharging payment, one-card recharging payment for public transport and the like, and the invention provides reliable and convenient payment system and method for vast users.
Claims (11)
1. A telecommunication method for confirming payment by using a mobile phone divides payment information into two parts by adopting a dividing mode, namely account information and confirmation information, then respectively transmits the account information and the confirmation information to a bank computer center (5) by a user mobile phone (3) through two different transmission ways, the bank computer center (5) pays in an account of a bank card account number according to the payment information, the confirmation information comprises a bank card password and a payment amount, the account information comprises the bank card account number and the payment amount, and the bank card comprises a credit card, a debit card, a bank account and the like.
2. The telecommunication method for confirming payment by mobile phone according to claim 1, wherein the transmission route used for the confirmation message is transmitted from the user's mobile phone (3) to the banking computer center (5) through the confirmation system (1) and the payment gateway (4), and the transmission route used for the account information is transmitted from the user's mobile phone (3) to the banking computer center (5) through the accounting system (2), the confirmation system (1) and the payment gateway (4).
3. A system for confirming payment using a mobile phone, said system consisting essentially of:
a confirmation system (1), an accounting system (2), a user mobile phone (3), a payment gateway (4) and a bank computer center (5), wherein,
the confirmation system (1) is a device of a computer system and a communication device, is responsible for processing and verifying payment information transmitted from a user mobile phone (3) and an account system (2), deducts money and transfers the money to a bank account of a payment merchant from accounts such as a credit card, a debit card, a withdrawal card, a bank account and the like of a user through a payment gateway (4) and a bank computer center (5) according to the content of the payment information,
the accounting system (2) is a device of a computer system and a communication device and is responsible for processing the inquiry and transaction related to the purchase of air tickets and the booking of hotels by users,
the user's mobile phone (3) is the user's own mobile phone or PDA mobile phone, and is responsible for transmitting information about the purchase of airline tickets and payment confirmation information, and receiving information sent by the accounting system (2) and the confirmation system (1),
the payment gateway (4) is a payment processing system of the bank card and is responsible for processing the payment request information sent by the confirmation system (1), deducting money from the bank card account of the user through a bank computer center (5) according to the information content and transferring the money to the bank account of the payment merchant,
the bank computer center (5) is a bank account computer system of the card issuing bank.
4. A system for confirming payment using a mobile phone according to claim 3, wherein the confirmation system (1) incorporates the mobile phone (1-1) as a communication means with the user's mobile phone (3) and the accounting system (2), the mobile phone (1-1) being adapted to receive confirmation information from the user's mobile phone (3) and to send information on the payment of the transaction to the user's mobile phone (3), and to receive payment request information from the accounting system (2) and to send payment success information to the accounting system (2),
and the number of the first and second groups,
the financial system (2) is internally provided with a short message receiving and sending device (2-1), the short message receiving and sending device (2-1) is used as a communication tool between the financial system (2) and a user mobile phone (3) and a confirmation system (1), the financial system (2) receives related ticket purchasing information sent from the user mobile phone (3) through the short message receiving and sending device (2-1), sends information to the user mobile phone (3), sends payment requesting information to the confirmation system (1) and receives payment success information sent by the confirmation system (1), and the short message receiving and sending device (2-1) is a mobile phone or a PDA mobile phone or a computer system capable of receiving and sending short messages.
5. A telecommunication method for confirming payments by means of a mobile phone, said method using a system according to claim 3 or 4, in particular said method using the step of the mobile phone (3) of the user as a means for confirming payments.
6. The method according to claim 1, 2 or 5, wherein said step of confirming payment by mobile phone comprises the following step A,
A1. the user sends the air ticket to be purchased or the hotel housing data to be reserved to the accounting system (2) by the mobile phone (3) of the user through short messages,
A2. after receiving the short message, the accounting system (2) knows the items required to be inquired by the user from the content of the short message, replies the relevant flight data of the air ticket or the relevant hotel housing data to the mobile phone (3) of the user by the short message,
A3. the user sees the flight ticket or hotel housing data of each flight provided by the accounting system (2) from the content of the reply short message received by the user mobile phone (3), selects the flight ticket of the required flight or the hotel housing data of the required check-in, sends the selected data back to the accounting system (2) by short message, requests the accounting system (2) to purchase the flight ticket of the selected flight or to book the selected hotel housing,
A4. the accounting system (2) receives a request proxy short message sent by a user mobile phone (3), finds flight air tickets selected by the user or information of selected hotel rooms from the content of the short message, calculates the air ticket cost of the flight or the housing cost of the reserved hotel, namely the payment amount, finds personal information of the user including name, identification number, sex, age and bank card number of the user in an account record of the accounting system (2) from the incoming telephone number of the short message, immediately sends a request payment information to the confirmation system (1) by the accounting system (2) by the short message, wherein the request payment information includes the bank card number and the payment amount of the user,
A5. after the user sends a request proxy message to the accounting system (2) in the step A3, the user sends payment confirmation information to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation information comprises a bank card password and payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
A6. the confirmation system (1) finds the bank account number of the accounting system (2) from the incoming telephone number of the short message requesting the payment information received in the step A4, finds the bank card number and the payment amount of the user from the account record of the confirmation system (1), checks the bank card number and the payment amount with the bank card number and the payment amount in the step A5, transmits the data such as the bank account number, the payment amount, the bank card number and the bank card password of the user of the accounting system (2) to the payment gateway (4) after the check is correct,
AA, the payment gateway (4) transmits the data of the bank account number, the payment amount, the bank card number of the user, the bank card password and the like of the accounting system (2) to the bank computer center (5) to request payment,
AB, after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, transferring the money of the payment amount from the bank card account of the user to the bank account of the accounting system (2) and sending successful payment information to the payment gateway (4),
A7. the payment gateway (4) forwards the payment success information to the validation system (1),
A8. the confirmation system (1) sends a payment success message to the accounting system (2),
A9. the accounting system (2) immediately checks and purchases the air ticket of the selected flight or reserves the hotel housing after receiving the successful payment information, and transmits the air ticket data of the purchased flight or the hotel housing reservation data to the user mobile phone (3) by short message, and asks the user to check in the airport counter before the flight departure of the flight by the identification document or check in the hotel on time,
A10. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
7. The telecommunication method for confirming payment using mobile phone according to claim 1, 2 or 5, wherein the following group B steps are adopted,
B1. the user sends the air ticket to be purchased or the hotel housing data to be reserved to the accounting system (2) by the mobile phone (3) of the user through short messages,
B2. after receiving the short message, the accounting system (2) knows the items required to be inquired by the user from the content of the short message, replies the relevant flight data of the air ticket or the relevant hotel housing data to the mobile phone (3) of the user by the short message,
B3. the user sees the flight ticket or hotel housing data of each flight provided by the accounting system (2) from the content of the reply short message received by the user mobile phone (3), selects the flight ticket of the required flight or the hotel housing data of the required check-in, sends the selected data back to the accounting system (2) by short message, requests the accounting system (2) to purchase the flight ticket of the selected flight or to book the selected hotel housing,
B4. the accounting system (2) receives a request proxy short message sent by a user mobile phone (3), finds flight air tickets selected by the user or information of selected hotel rooms from the content of the short message, calculates the air ticket cost of the flight or the housing cost of the reserved hotel, namely the payment amount, finds personal information of the user including name, identification number, sex, age and bank card number of the user in an account record of the accounting system (2) from the incoming telephone number of the short message, immediately sends a request payment information to the confirmation system (1) by the accounting system (2) by the short message, wherein the request payment information includes the bank card number and the payment amount of the user,
B5. after the user sends a request proxy message to the accounting system (2) in the step B3, sending payment confirmation information to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation information comprises a bank card password and payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
B6. the confirmation system (1) finds the bank account number of the accounting system (2) from the incoming telephone number of the short message requesting payment information received in the step B4, finds the bank card number and the payment amount of the user from the account record of the confirmation system (1), checks the bank card number and the payment amount with the bank card number and the payment amount in the step B5, transmits the data of the bank account number, the payment amount, the bank card number and the bank card password of the user and the like of the accounting system (2) to the bank computer center (5) to request payment after checking is correct,
B7. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, the money of the payment amount is transferred from the bank card account of the user to the bank account of the accounting system (2), and the successful payment information is sent to the confirmation system (1),
B8. the confirmation system (1) sends a payment success message to the accounting system (2),
B9. the accounting system (2) immediately checks and purchases the air ticket of the selected flight or reserves the hotel housing after receiving the successful payment information, and transmits the air ticket data of the purchased flight or the hotel housing reservation data to the user mobile phone (3) by short message, and asks the user to check in the airport counter before the flight departure of the flight by the identification document or check in the hotel on time,
B10. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
8. A system for payment confirmation using a mobile phone, said system consisting essentially of:
a confirmation system (1), a user mobile phone (3), a payment gateway (4), a bank computer center (5), a shopping website (6), an internet access device (7),
wherein the shopping website (6) comprises: a website selling airline tickets, or a website reserving hotel rooms, or a website selling goods, or a website selling services, or an auction website,
and the internet device (7) is a computer which can be connected to the internet, or a mobile phone which can be connected to the internet, or a PDA which can be connected to the internet.
9. A method of telecommunication for confirming payment using a mobile phone, said method using the system of claim 8, comprising the steps of group C,
C1. the user uses the internet device (7) to surf the internet to the shopping website (6), selects the item to be purchased, inputs the payment data such as the bank card number of the user, and transmits the payment data and the data of the selected purchased item, namely the shopping data, to the shopping website (6) through the internet device (7) and the internet,
C2. after the shopping website (6) receives the shopping information of the user, the bank card number and the selected purchased item are found from the shopping information content, the payment amount is calculated from the selected purchased item, the payment informing information is immediately transmitted to the internet access device (7) through the internet, the related payment amount of the user is informed, and the user is requested to send payment confirming information to the confirming system (1) within the appointed time,
C3. the shopping website (6) sends payment request information to the confirmation system (1), the payment request information comprises the bank card number and the payment amount of the user and the bank account number of the shopping website (6),
C4. after receiving the payment notification message from the shopping website (6) in step C2, the user sends a payment confirmation message to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation message includes a bank card password and a payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
C5. the confirmation system (1) finds the bank card number and the payment amount of the user from the content of the payment request information received in the step C3, checks the bank card number and the payment amount with the bank card number and the payment amount in the step C4, transmits the data of the bank account number, the payment amount, the bank card number of the user, the bank card password and the like of the shopping website (6) to the payment gateway (4) after checking is correct,
CA. the payment gateway (4) transmits the data of the bank account number, payment amount, user's bank card number and password of the shopping website (6) to the bank computer center (5) to request payment,
CB. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, transfers the money of the payment amount from the bank card account of the user to the bank account of the shopping website (6) and sends the payment success information to the payment gateway (4),
C6. the payment gateway (4) forwards the payment success information to the validation system (1),
C7. the confirmation system (1) sends payment success information to the shopping website (6),
C8. after the shopping website (6) receives the successful payment information, the user is immediately transacted to purchase the selected item, the transaction completion information is transmitted to the internet access device (7) through the internet, the user is informed that the transaction of the item purchased by the user is completed, the shopping website (6) arranges related delivery matters,
C9. the confirmation system (1) sends a short message to the mobile phone (3) of the user to inform the user of the details of the expenditure of the bank card.
10. A method of telecommunication for confirming payment using a mobile phone, said method using the system of claim 8, comprising the steps of group D,
D1. the user uses the internet device (7) to surf the internet to the shopping website (6), selects the item to be purchased, inputs the payment data such as the bank card number of the user, and transmits the payment data and the data of the selected purchased item, namely the shopping data, to the shopping website (6) through the internet device (7) and the internet,
D2. after the shopping website (6) receives the shopping information of the user, the bank card number and the selected purchased item are found from the shopping information content, the payment amount is calculated from the selected purchased item, the payment informing information is immediately transmitted to the internet access device (7) through the internet, the related payment amount of the user is informed, and the user is requested to send payment confirming information to the confirming system (1) within the appointed time,
D3. the shopping website (6) sends payment request information to the confirmation system (1), the payment request information comprises the bank card number and the payment amount of the user and the bank account number of the shopping website (6),
D4. after receiving the payment notification message from the shopping website (6) in step D2, the user sends a payment confirmation message to the confirmation system (1) by using the user mobile phone (3) within a specified time, wherein the payment confirmation message includes a bank card password and a payment amount; the user can transmit the payment confirmation information to the confirmation system (1) by a short message through the mobile phone (3) of the user; or the user uses the user mobile phone (3) to dial the payment confirmation telephone number of the confirmation system (1), and after dialing the telephone and answering by the confirmation system (1), the user inputs the payment confirmation information such as bank card password, payment amount and the like by pressing keys on the keyboard of the user mobile phone (3); the confirmation system (1) finds the bank card number of the user from the incoming call telephone number of the short message or the incoming call telephone number of the user mobile phone (3) in the account record of the confirmation system (1);
D5. the confirmation system (1) finds the bank card number and payment amount of the user from the content of the payment request information received in the step D3, checks the bank card number and payment amount with the bank card number and payment amount in the step D4, transmits the data of the bank account number, payment amount, user's bank card number and bank card password of the shopping website (6) to the bank computer center (5) after checking the data,
D6. after the bank computer center (5) checks the bank card number, the bank card password, the payment amount and the balance of the bank card account, the money of the payment amount is transferred from the bank card account of the user to the bank account of the shopping website (6), and the payment success information is sent to the confirmation system (1),
D7. the confirmation system (1) sends payment success information to the shopping website (6),
D8. after the shopping website (6) receives the successful payment information, the user is immediately transacted to purchase the selected item, the transaction completion information is transmitted to the internet access device (7) through the internet, the user is informed that the transaction of the item purchased by the user is completed, the shopping website (6) arranges related delivery matters,
D9. the bank computer center (5) sends a short message to the mobile phone (3) of the user through the confirmation system (1) to inform the user of the detailed information of the related bank card expenditure.
11. The system of claim 1 or 2 or 3 or 4 or 8, characterized in that a bank computer terminal (8-1), a terminal keyboard (8-2), a manipulator (8-3) and a keyboard simulator (8-4) are adopted, wherein the confirmation system (1) uses the manipulator (8-3) to input data into the bank computer terminal (8-1) and the bank computer center (5) through the terminal keyboard (8-2); or the confirmation system (1) inputs data into the bank computer terminal (8-1) and the bank computer center (5) through the keyboard simulator (8-4).
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| CN101867895A (en) * | 2009-09-01 | 2010-10-20 | 深圳市安捷信联科技有限公司 | Consumption method based on mobile terminal and messages, mobile terminal and business system |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
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| CN108289148A (en) * | 2018-01-18 | 2018-07-17 | 上海爱优威软件开发有限公司 | Concealed dialog process method and system |
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- 2006-09-29 CN CNA2006100628783A patent/CN101154280A/en active Pending
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| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101964125B (en) * | 2009-07-24 | 2014-05-21 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101867895A (en) * | 2009-09-01 | 2010-10-20 | 深圳市安捷信联科技有限公司 | Consumption method based on mobile terminal and messages, mobile terminal and business system |
| CN102571156A (en) * | 2010-12-31 | 2012-07-11 | 吴东辉 | Short-distance identification method and system for mobile terminal |
| CN103020819A (en) * | 2012-11-28 | 2013-04-03 | 关志松 | Mobile payment method and system |
| CN104169952A (en) * | 2013-12-25 | 2014-11-26 | 华为技术有限公司 | Network payment method, device and system |
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