Credit card payment system and method based on mobile payment and bill active pushing

A mobile payment and credit card technology, applied in the complete banking system, complete banking system, wireless communication, etc., to achieve the effect of protecting fund security and credit security, ensuring flexibility, and simplifying processes and procedures

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

[0022] The present invention provides a credit card repayment system and method based on mobile phone payment and active push of bills, which can realize timely sending of credit card bills to users, solve the problem of timely repayment by users, and facilitate users to choose fle

Method used

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  • Credit card payment system and method based on mobile payment and bill active pushing
  • Credit card payment system and method based on mobile payment and bill active pushing
  • Credit card payment system and method based on mobile payment and bill active pushing

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0051] A credit card repayment system based on mobile payment and active bill push, at least including:

[0052] A financial smart card, used to bind at least one bank card, using a symmetric encryption algorithm to encrypt and store the magnetic stripe information of the bank card;

[0053] A payment client, used to receive and display the content of the credit card bill, and read and write the information of the financial smart card, which can connect and interact with the mobile payment platform through the network;

[0054] A wireless payment terminal is provided with a card slot for inserting a financial smart card, is used for installing a payment client, and has a network communication function; the wireless payment terminal can be a mobile phone or a cordless fixed phone.

[0055] A mobile payment platform is a server platform for network interaction with wireless payment terminals and payment clients.

[0056] The financial smart card can be a single card that is plugg...

Embodiment 2

[0081] A credit card repayment system based on mobile payment and active bill push, at least including:

[0082] A financial smart card, used to bind at least one bank card, using a symmetric encryption algorithm to encrypt and store the magnetic stripe information of the bank card;

[0083] A payment client, used to receive and display the content of the credit card bill, and read and write the information of the financial smart card, which can connect and interact with the mobile payment platform through the network;

[0084] A wireless payment terminal is provided with a card slot for inserting a financial smart card, is used for installing a payment client, and has a network communication function; the wireless payment terminal can be a mobile phone or a cordless fixed phone.

[0085] A mobile payment platform is a server platform for network interaction with wireless payment terminals and payment clients.

[0086] The financial smart card can be a single card that is plu...

Embodiment 3

[0111] The present invention provides a credit card repayment system and method based on mobile payment and active push of bills. The credit card bill of the credit card holder is actively pushed to the payment client by the mobile payment platform, and the credit card holder performs credit card repayment through mobile payment , reducing the complexity of credit cardholders' repayment, reducing the link of credit cardholders' repayment, and reducing the cardholder's capital risk and credit risk.

[0112] Such as figure 1 As shown, the system of the present invention includes: a mobile phone, a mobile payment platform and a bank credit card system. The mobile phone is connected to the mobile payment platform through a wireless communication network, the mobile payment platform is connected to the bank credit card system through the Internet or a dedicated line, and the connection between the mobile payment platform and the business-related system adopts the TLS1.0 protocol to...

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PUM

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Abstract

The invention discloses a credit card payment system and method based on mobile payment and bill active pushing. The method comprises the following steps: a bank credit card system sends a credit card bill to a mobile payment platform through the interaction among a wireless payment terminal plugged with a financial smart card bound with bank card information, the mobile payment platform and the bank credit card system, the mobile payment platform actively sends the credit card bill to the wireless payment terminal, the payment client arranged on the wireless payment terminal is activated and started, and the cardholder of the credit card operates on the payment client to select a bank card and directly pay the paid amount. By using the system and method of the invention, the process and procedures of credit card payment can be simplified, time, manpower, labor, public resources and the like can be saved, the payment is convenient and fast, the cardholder can instantly select a bank card and paid amount according to the demand, the flexibility is high, and the capital safety and credit of the cardholder of the credit card can be protected furthest.

Description

technical field [0001] The invention relates to the field of credit card repayment for wireless communication remote payment, in particular to a system and method for actively pushing bills and repaying through mobile phone payment. Background technique [0002] Credit card repayment refers to the process in which the credit card owner returns the amount owed to the bank after the credit card issuing bank issues the current bill after using the credit card. [0003] The specific process of credit card repayment is as follows: [0004] 1. The credit card issuing bank counts the current arrears and historical arrears of the credit card holders to form a credit card statement; [0005] 2. The credit card issuing bank notifies the cardholder to make the repayment before the repayment date by mailing a paper bill or sending an electronic bill; [0006] 3. The cardholder repays the loan. [0007] At present, there are several ways to remind credit card holders to repay: paper b...

Claims

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Application Information

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IPC IPC(8): G07F19/00H04W88/02
Inventor 李黎明
Owner 成都中联信通科技股份有限公司
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