Payment method based on mobile phone payment

Abstract

The invention discloses a payment method based on mobile phone payment. In the method, a user binds bank cards with a financial intelligent card in a mobile phone; a payment client terminal which is connected with a mobile phone payment platform by a network is installed on the mobile phone; after inquiring payment information or receiving payment bills sent form the mobile phone payment platform, the user selects a bank card, inputs passwords to pay the required charge; in the paying process, DES (Data Encryption Standard) or 3DES encryption algorithm is used for enciphering sensitive data and an encrypted message, and an MAC (Message Authentication Code) authentication method is also used. The invention provides two modes of active payment and payment by informing of the payment platform, can meet requirements of different users, pay charge very safely, ensure the payment timeliness of users, and save public payment facility resources. The invention provides a quicker, safer and more convenient payment method.

Description

technical field [0001] The invention relates to payment means involved in daily life, in particular to a method for paying various fees through a mobile phone. Background technique [0002] In daily life, people often pay a variety of fees, such as: water and electricity, traffic fines, property (including property management fees, garbage removal fees, community parking fees), fixed-line broadband, IPTV fees, etc., the usual payment There are several methods: [0003] 1) Pay fees at the property management, such as water, electricity and property management. [0004] 2) Pay bills at the business hall, such as water, electricity, fixed-line broadband, and IPTV. [0005] 3) The bank collects on behalf of the bank, and pays at the bank, such as water, electricity, and traffic fines. [0006] 4) Online banking payment, such as water, electricity, fixed-line broadband. [0007] 5) Bank withholding, such as water and electricity. [0008] 6) The third-party payment platform ...

AI Technical Summary

Problems solved by technology

[0010] 1) Restriction of business hours, the business hours of property management, business halls, banks and other payment sites are generally during the day, which coincides with the working hours of ordinary office workers, resulting in the inability of office workers to pay fees under normal circumstances;

[0011] 2) The bank business hall collection method, a bank business hall generally only has a few service windows to handle the payment business, and it needs to queue up with the people who handle the banking business. On the one hand, there is a long waiting time, which also causes public traffic in the bank business hall. waste of resources;

[0012] 3) For the bank withholding method, the cardholder must ensure that the balance in his bank card is sufficient, otherwise the withholding will not be withheld, and the cardholder will not be reminded, causing the cardholder to miss the payment period, resulting in late payment fees and other fund losses, or even create a bad credit record;

[0013] 4) Payment methods such as online banking and third-party payment platforms must require users to have a computer and be able to access the Internet, which is severely limited by the environment

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