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Mobile payment method and system

A technology for mobile payment and payment information, applied in the field of mobile payment methods and systems, can solve problems such as hidden dangers of security, interception and deciphering of user information, etc., and achieve the effects of improving security, improving user experience, and facilitating and flexible mobile payment.

Inactive Publication Date: 2013-04-03
关志松
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] In the existing electronic payment methods, whether it is online payment or mobile payment, user information needs to be transmitted on the Internet or mobile communication network, and user information is likely to be intercepted and deciphered, thus causing great security risks

Method used

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  • Mobile payment method and system
  • Mobile payment method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0056] see figure 1 , which is a flow chart of the principle of the mobile payment method provided in Embodiment 1 of the present invention, specifically as follows:

[0057] Step 10, receiving the first payment information sent by the user terminal to the payment platform.

[0058]The first payment information here is sent after the user confirms to purchase the commodity. After receiving the payment request from the user, the payment platform confirms the first payment information to the user according to the information contained in the payment request. There are two ways to confirm the first payment information. One is that the user registers with the payment platform in advance, and the user sends a registration request to the payment platform, and sends the basic information of the user to the payment platform. These basic information mainly include the mobile phone number of the user terminal, bank card number, etc., that is to say, the mobile phone number of the user...

Embodiment 2

[0079] see figure 2 , is a schematic diagram of a preferred payment method provided in this embodiment, which includes banks, payment gateways, payment platforms, merchants / channels, and users. The specific payment process is as follows:

[0080] The user triggers a payment request to the merchant / channel;

[0081] The merchant / channel sends a payment request to the payment platform;

[0082] The payment platform notifies the user to confirm the payment;

[0083] The user provides valid first payment information and second payment information and confirms the payment;

[0084] The payment platform conducts credit verification to the payment gateway to confirm the payment;

[0085] The payment gateway confirms the payment execution with the bank;

[0086] The payment gateway confirms the payment to the payment platform;

[0087] The payment platform notifies the user and the merchant.

[0088] see image 3 , is a schematic diagram of payment in another method provided b...

Embodiment 3

[0107] see Figure 4 , the embodiment of the present invention provides a mobile payment system, the system includes: a user terminal 100, a payment platform 200 and a payment gateway 300, specifically as follows:

[0108] The user terminal 100 is used to initiate a payment request, and send the first payment information and the second payment information to the payment platform 200; and receive the payment result.

[0109] The payment platform 200 is configured to receive a payment request, receive the first payment information and the second payment information from the user terminal 100 ; apply for payment to the payment gateway 300 , and feed back the payment result to the user terminal 100 .

[0110] The payment gateway 300 is used to complete the payment according to the application of the payment platform 200 and feed back the payment result to the payment platform 200 .

[0111] In particular, the above system also includes a merchant or channel platform 400, configur...

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Abstract

The invention discloses a movable payment method, and belongs to the technical field of electronic payment. The method comprises the steps of receiving first payment information transmitted to a payment platform by a user terminal, transmitting the first payment information after a user determines to purchase goods; receiving second payment information transmitted to the payment platform by the user terminal; transmitting the second payment information after the user confirms payment or receives the purchased goods, wherein the first payment information and the second payment information respectively comprise a part of content of the payment information; and the first payment information and the second payment information form intact payment information; applying for payment according to the first payment information and the second payment information, and feeding the payment result back to the user terminal. The payment request, the first payment information and the second payment information of the user are respectively carried out through different communication channels. Therefore, the security and reliability of the entire payment process are ensured; the entire payment security is not affected even if one piece of information is intercepted and decoded, and the security of mobile payment is greatly improved.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to a mobile payment method and system. Background technique [0002] With the development of Internet technology, more and more Internet applications have been developed, greatly enriching people's lives. Online shopping is to retrieve commodity information through the Internet, and send a shopping request through an electronic order form, and then fill in the number of a private checking account or credit card, and the manufacturer will deliver the goods by mail order, or deliver the goods to the door through a courier company. For domestic online shopping, the general payment method is cash on delivery (direct bank transfer, online remittance). [0003] With the increase of online shopping or other activities on the Internet, the technology of electronic payment becomes more and more important. Online payment is a form of electronic payment. It is an instant payment m...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/22G06Q20/32G06Q30/00
Inventor 关志松陈炬明
Owner 关志松
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