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Method for realizing mobile-phone payment in phone order

A mobile payment and telephone technology, applied in the payment system structure, electrical components, instruments, etc., can solve the problems of low user acceptance, complicated procedures, and insufficient convenience, and achieve the effects of easy promotion, simple procedures, and improved overall efficiency

Inactive Publication Date: 2010-10-20
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

But on the one hand, the procedures for applying for the installation of this payment phone are relatively complicated, and the existing phone terminal must be replaced, which is not well accepted by users; on the other hand, it is necessary to prepare a physical bank card to swipe the card on the payment phone. Then you can’t swipe, which is inconvenient; on the other hand, the data of the payment phone is transmitted through the phone line, which can only be used at a fixed location, which is not convenient enough

Method used

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  • Method for realizing mobile-phone payment in phone order
  • Method for realizing mobile-phone payment in phone order
  • Method for realizing mobile-phone payment in phone order

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0058] The invention discloses a method for realizing mobile phone payment in telephone ordering, which includes:

[0059] The user goes to the designated outlet to activate the mobile payment service;

[0060] Bind at least one bank card of the user with the financial smart card, and insert the bound financial smart card into the mobile phone;

[0061] Client software for reading and writing the financial smart card and for interacting with the mobile payment platform is installed on the mobile phone;

[0062] When the user orders goods through the telephone ordering system and needs to pay for the goods or tickets, the user informs the telephone ordering system to pay and place an order through the mobile phone, and the telephone ordering system sends the payment information of the order to the mobile payment platform, and the mobile payment platform according to The payment information generates a payment bill and pushes it to the payment mobile phone. The user confirms th...

Embodiment approach

[0064] As a preferred embodiment of the present invention, including:

[0065] The user goes to the designated outlet to activate the mobile payment service;

[0066] Bind at least one bank card of the user with the financial smart card, and insert the bound financial smart card into the mobile phone;

[0067] Client software for reading and writing the financial smart card and for interacting with the mobile payment platform is installed on the mobile phone;

[0068] The user dials to inquire about the product information in the telephone ordering system. The telephone ordering system feeds back the product information. After the user confirms the product and places an order, the telephone ordering system sends the payment information of the order to the mobile payment platform. The payment information includes at least the receiving account, Payment amount and payment mobile phone number (may also include product name, quantity, model, manufacturer, etc.), after receiving t...

Embodiment 3

[0070] On the basis of Embodiment 1 or 2, the binding of the bank card and the financial smart card refers to: encrypting and storing the magnetic stripe information of the bank card on the financial smart card through a symmetric encryption algorithm. The financial smart card is a separate card, which is plugged into the mobile phone. There are 9 bank cards bound to the financial smart card. The financial smart card conforms to the "China Financial Integrated Circuit (IC Card) Specification", has passed the inspection of the People's Bank of China, and has the following characteristics:

[0071] ※Support one card with multiple applications, and each application is independent of each other (multiple applications, firewall function).

[0072] ※Support multiple file types including binary files, fixed-length record files, variable-length record files, circular files, and wallet files.

[0073] ※Support multiple security protection mechanisms (information confidentiality and i...

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Abstract

The invention discloses a method for realizing mobile-phone payment in a phone order and relates to wireless communication remote payment technology. The method comprises the following steps that: a user opens a mobile-phone payment service at a specified branch network, binds an own bank card with a financial smart card and inserts the bound cards into a mobile phone, wherein the mobile phone is provided with client software which can read and write the financial smart card; when the user orders merchandise or finishes a subscription through the mobile phone and needs to pay for the merchandise or a bill, the user tells a service personnel the payment through the mobile phone; and then, the user receives the bill pushed by a mobile-phone payment platform after hanging up, and carries out the operation of bill confirmation, bank card selection, password input of the bank card and the like according to prompting messages to finish the payment. By the method, turnover links of funds in the conventional mobile phone orders are reduced; the risk of fund loss is avoided; at the same time, the bill payment is safer; moreover, the remote payment of the bill can be realized anytime and anywhere without a real bank card and payment place limitation.

Description

technical field [0001] The invention relates to wireless communication remote payment technology, in particular to a method for bill payment using a mobile phone in telephone ordering. Background technique [0002] As a convenient, fast and economical modern communication tool, telephone is becoming more and more popular, and the current telephone penetration rate in Chinese cities has reached more than 98%. The latest survey shows that in addition to general contact with relatives, friends and colleagues, residents’ home phones are increasingly used for consultation and shopping. 65% of residents have used telephone inquiries and consultation services, and 20% of residents have used phone reservations and phone shopping. [0003] In the traditional telephone ordering, cash on delivery is mainly used to realize the recovery of the payment or ticket payment. For example, in the traditional telephone booking of air tickets, most of the toll collectors come to the door to deli...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04W4/24H04W88/02
Inventor 李黎明罗劲
Owner 成都中联信通科技股份有限公司
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