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Method for realizing mobile payment in mobile internet sales

A technology of mobile Internet and mobile payment, applied in the field of mobile payment in the mobile Internet, can solve the complex and cumbersome problems of interaction between users, payment platforms, and integrated business platforms, and achieve the solution of inability to pay back on time, easy acceptance, and convenience Effect

Inactive Publication Date: 2010-10-06
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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  • Method for realizing mobile payment in mobile internet sales
  • Method for realizing mobile payment in mobile internet sales
  • Method for realizing mobile payment in mobile internet sales

Examples

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Comparison scheme
Effect test

Embodiment 1

[0041] The method for realizing mobile payment in mobile Internet sales provided by the present invention:

[0042] 1. The user first goes to the designated outlet to activate the mobile payment service, binds the user's bank card with the financial smart card, and inserts the bound financial smart card into the mobile phone, which is installed on the mobile phone to read and write the financial smart card, display shopping bills, and carry out payment. payment client;

[0043] 2. The user books an air ticket on the ticketing ordering platform and chooses mobile payment, the ticketing ordering platform immediately downloads the booking information, and sends the booking information and the designated mobile phone number to the mobile payment platform;

[0044] 3. The mobile payment platform generates a bill based on the booking information and sends it to the payment client of the mobile phone with the specified mobile number. When the payment client receives the bill, it is a...

Embodiment 2

[0059] The invention provides a method for realizing mobile phone payment in mobile Internet sales.

[0060] First of all, the user needs to go to the designated business outlet to open 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 financial smart card into the mobile phone and install the mobile payment customer. terminal, you can use the mobile payment application. The use of mobile phone payment in the online shopping process is mainly realized through the bill payment function of mobile phone payment.

[0061] The mobile Internet sales platform can be in two forms:

[0062] 1. The mobile Internet sales platform established by the mobile Internet merchants. In this case, the mobile Internet sales platform and the mobile payment platform are two entities. The mobile payment platform only completes the mobile payment function.

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Abstract

The invention discloses a method for realizing mobile payment in mobile internet sales, which comprises that: firstly, a user installs a payment client with a mobile phone with a financial IC card bound with bank card information; secondly, a mobile payment platform receives a shopping order after the user shops on a mobile internet sales platform and transmits a shopping bill through the payment client, and the user pays the shopping bill on the mobile phone; thirdly, the payment client realizes the payment and then transmits payment information to the mobile payment platform; fourthly, the mobile payment platform checks the payment information and then transmits the payment information to the mobile internet sales platform; and finally, the mobile internet sales platform transmits a payment success message to the mobile payment platform and the user to finish the payment. The method has the advantages of simplifying a payment flow in a mobile internet sale mode, enabling the user to conveniently and fast finish payment operation or find a paying agent, making secure the operation process, realizing timely payment anytime anywhere and avoiding risks in capital.

Description

technical field [0001] The invention relates to a payment method for mobile Internet sales, in particular to a method for paying by mobile phone in the mobile Internet. Background technique [0002] In 2009, the number of mobile phone users in China reached 745 million, and 55.9% of Chinese people use mobile phones. The national mobile phone penetration rate has reached a relatively high level. Among them, there are 233 million mobile Internet users, accounting for 31.3% of mobile phone users, and their growth rate is as high as 98.1%, far exceeding the growth rate of mobile phone users. In the future, the mobile Internet penetration rate will further increase, and more and more enterprises and individuals will start to engage in mobile Internet sales. However, the payment link in the mobile Internet sales process has not found a method that is suitable for all mobile Internet sales processes. [0003] In traditional mobile Internet sales, the main payment methods are as f...

Claims

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Application Information

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