System and method for realizing mobile payment in internet sales

A mobile payment and Internet technology, applied in the payment system structure, payment involving neutral parties, instruments, etc., can solve the complex and cumbersome interaction between users, payment platforms, and integrated business platforms, and solve the problems of inability to pay back on time, mobility, etc. and convenience, the effect of avoiding the risk of funds

Inactive Publication Date: 2010-09-22
成都中联信通科技股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the process of this payment series, the interaction between users, payment platforms, and integrated business platforms is too complicated and cumbersome, and it is completely unsuitable for the shopping concept of modern people. It is hoped that the sooner the shopping and payment procedures can be completed, the better, so this method is not enough to conveniently Realize the payment function
At the same time, there are still cases where the user forgets to send the payment information after ordering the product, then the shopping order will be put on hold and finally become a waste order

Method used

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  • System and method for realizing mobile payment in internet sales
  • System and method for realizing mobile payment in internet sales
  • System and method for realizing mobile payment in internet sales

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0039] The system for realizing mobile payment in Internet sales includes:

[0040] A financial smart card plugged into the mobile phone, bound to at least one bank card, using a symmetric encryption algorithm to encrypt and store bank card information;

[0041] The payment client installed on the mobile phone can be used to receive and display the information of the shopping bill, and can read and write the bank card information of the financial smart card, and can connect and interact with the mobile payment platform through the network;

[0042] The mobile payment platform is a server platform for network interaction with the mobile payment client.

[0043] The financial smart card can be a separate card that is plugged into the mobile phone.

[0044] Or the financial smart card and the mobile phone card (SIM card) are integrated into one card, which is plugged into the mobile phone.

[0045] Or integrate a financial smart card and a secure digital card (SD card or TF car...

Embodiment 2

[0067] The invention provides a system and method for realizing mobile phone payment in Internet sales.

[0068] First of all, the user needs to go to the designated business outlet to apply for the opening of the mobile payment service. When the service is opened, the user's bank card will be bound to the financial smart card (multiple bank cards can be bound), and the user will insert the received financial smart card into the mobile phone and install the mobile phone. Pay the payment client, and you can use the mobile phone to pay. The use of mobile phone payment in the online shopping process is mainly realized through the bill payment function of mobile phone payment.

[0069] Such as figure 1 As shown, the system of the embodiment of the present invention includes: a mobile phone, a mobile payment platform and an Internet sales platform. The mobile phone is connected to the mobile payment platform through the wireless communication network, and the mobile payment platf...

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Abstract

The invention discloses a system and a method for realizing mobile payment in internet sales. The method comprises the following steps that: a user installs a payment client by using a mobile phone which is provided with a financial smart card bound with bank card information; a mobile phone payment platform receives a shopping list after the user shops on an internet sales platform; the mobile phone platform sends a shopping bill through the payment client; the user pays on the mobile phone; the payment client sends the payment information to the mobile phone payment platform after the realization of payment; the mobile phone payment platform sends the payment information to the internet sales platform after checking; and finally, the internet sales platform sends a successful payment message to the mobile phone sales platform and the user, so the payment is finished. Due to the adoption of the system and the method for realizing the mobile payment in the internet sales, the payment process in an internet sales mode is greatly simplified; a user can conveniently and quickly perform remote payment operation; the operation process is very safe; the user can ask others to pay instead at will, so the user or a paying agent can conveniently and quickly pay by using the mobile phone no matter where the user or the paying agent is.

Description

technical field [0001] The invention relates to a payment method in the Internet sales process, in particular to a system and method for paying by mobile phone in the Internet. Background technique [0002] The Internet sales model is the online sales model, which is a business operation model for wholesalers and retailers to sell goods and services through the Internet. With the further popularization and application of the Internet in China, online shopping has gradually become one of people's online behaviors. According to reports, the scale of China's online shopping market will reach 464 billion yuan in 2010, and sales through the Internet will account for the total retail sales of social commodities. 3% or more. [0003] In traditional Internet sales, there are mainly the following payment methods: [0004] 1) Use the method of cash on delivery to realize the recovery of commodity funds. For example, if you buy books on Dangdang.com, the courier will deliver the book...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q30/00H04W88/02G06Q20/02G06Q20/42
Inventor 李黎明赵亮
Owner 成都中联信通科技股份有限公司
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