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Method, system and equipment for remote payment with local account

A local account and user equipment technology, applied in the complete banking system, complete banking system, coinless or similar appliances, etc., can solve the problems of remote payment time delay and affect user experience, etc., to improve user experience , The effect of reducing time delay

Inactive Publication Date: 2012-06-27
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The current mobile payment service separates on-site payment and remote payment. On-site payment uses a local account stored in the UE SIM card, and remote payment uses a remote account such as a bank card. Users need to recharge and manage the local account and remote account separately ; In addition, the time delay of remote payment seriously affects the user experience

Method used

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  • Method, system and equipment for remote payment with local account
  • Method, system and equipment for remote payment with local account
  • Method, system and equipment for remote payment with local account

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] Embodiment 1 Take the user's mobile online shopping as an example to illustrate an implementation method of using a local account for remote payment, as shown in figure 2 shown, including the following steps:

[0044] S201. The UE sends a shopping page browsing request to the electronic merchant subsystem through the GPRS network;

[0045] S202. The electronic merchant subsystem returns a shopping page including product information to the UE through the GPRS network, and the product information includes product name, serial number, performance, price and other information;

[0046] S203. The UE determines the required payment amount for the commodity to be purchased according to the commodity information;

[0047] S204. The UE sends a withholding request carrying the required payment amount to the SIM card;

[0048] S205. The SIM card deducts the required payment amount from the local account according to the withholding request;

[0049] S206. The SIM card returns ...

Embodiment 2

[0075] Based on the same technical idea, the second embodiment takes the mobile phone online shopping as an example to illustrate another implementation method of using a local account for remote payment, such as Figure 4 shown, including the following steps:

[0076] S401. The UE sends a shopping page browsing request to the electronic merchant subsystem through the GPRS network;

[0077] S402. The electronic merchant subsystem returns a shopping page including product information to the UE through the GPRS network;

[0078] S403. The UE sends a payment request to the electronic merchant subsystem, and the payment request includes the commodity to be purchased and the local account ID determined according to the commodity information provided by the electronic merchant subsystem;

[0079] S404. The electronic merchant subsystem determines the amount of goods to be purchased in the payment request;

[0080] S405. The electronic merchant subsystem sends a deduction request c...

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Abstract

The invention discloses a method, a system and an equipment for remote payment with a local account, solving the problem that on-site payment and remote payment separate from each other so as to unify on-site payment and remote payment. The method of the invention comprises the following steps: according to merchandise information provided by an electronic commercial customer subsystem, a user equipment determines the required payment amount of merchandise to be bought, and then sends prepayment request to an SIM card; according to the returned response of prepayment completion after SIM deducts required payment amount from the local account, the user equipment sends payment request to the electronic commercial customer subsystem, and the payment request comprises merchandise to be boughtand local account identification; according to the payment request, the electronic commercial customer subsystem sends payment request carrying the local account identification and corresponding to the merchandise to be bought to an account management subsystem; according to the payment request, the account management subsystem deducts payment from a secondary account corresponding to the local account identification and sends the response of payment completion back to the electronic commercial customer subsystem after payment is finished.

Description

technical field [0001] The invention relates to the field of mobile e-commerce, in particular to a technology for remote payment using a local account. Background technique [0002] At present, mobile payment services based on UE (User Equipment, user equipment) can be divided into non-real-time remote payment and real-time on-site payment according to the payment time and space. Non-real-time remote payment is a commonly used payment method at present. From the perspective of payment speed, it has obvious time delay. When the speed is slow, a payment may even take several minutes. Currently, mobile online shopping, mobile banking and other mobile payment services all use non-real-time remote payment. By binding the UE's MSISDN (Mobile Station International ISDN Number, Mobile Station International Integrated Services Digital Network Number, usually called a mobile phone number) with remote accounts such as bank cards, through SMS, voice, WAP (Wireless Application Protocol,...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07F19/00G07G1/14
Inventor 任鹏李征赵旭张雨廷马俊杰刘斐李琳柏洪涛
Owner CHINA MOBILE COMM GRP CO LTD
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