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Cell phone terminal onsite paying method and system based on mobile positioning service

A mobile terminal and mobile positioning technology, applied in the payment field, to achieve the effect of ensuring transaction security

Inactive Publication Date: 2014-02-19
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The problem with mode 2 is that the payment process still requires the user to enter the bank card password, which has no particularly prominent advantages compared with the traditional card payment and requires major changes by the card issuer

Method used

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  • Cell phone terminal onsite paying method and system based on mobile positioning service
  • Cell phone terminal onsite paying method and system based on mobile positioning service
  • Cell phone terminal onsite paying method and system based on mobile positioning service

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Embodiment Construction

[0026] Hereinafter, embodiments of the present invention will be fully described with reference to the accompanying drawings. It should be noted that the present invention can be implemented in different forms and is not limited to the examples set forth herein. These embodiments and examples are provided for the purpose of describing the present invention completely and thoroughly without limitation. All terms (including scientific and technical terms) used herein have the same meaning as commonly understood by those skilled in the art to which the present invention belongs, unless clearly defined in the text.

[0027] figure 1 It is a flowchart of a method for associating a mobile terminal with the payment card of the terminal user of the mobile terminal. As shown in the figure, in step 100, the terminal number of the mobile terminal to be associated and the identity information of the terminal user of the mobile terminal are obtained. In step 102, the obtained mobile termin...

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Abstract

A cell phone terminal onsite paying method and system based on mobile positioning service is provided; the method and system connects a cell phone terminal number with payment card information of a cell phone terminal user in advance, and registers the terminal payment equipment users to a server-side based on the mobile positioning service in advance; according to the cell phone position information obtained by the mobile positioning service, a terminal payment equipment user close to the cell phone terminal is selected from the registered terminal payment equipment users, and the select result is sent to the cell phone terminal so as to choose a transaction user; the server-side sends an authorization code to the cell phone terminal after the transaction user and transaction set information are received; the terminal payment equipment sends the authorization code and transaction related information to the server-side, and sends the transaction related information and payment card information connected with the cell phone terminal number to a card releasing party of the payment card after the authorization code is received, thereby facilitating follow up processing. The method and system can realize cell phone onsite payment without needing the cell phone terminal user to input a payment card number and a password, thereby improving safety.

Description

technical field [0001] The invention relates to the payment technology, in particular to the technology of payment based on the mobile positioning service by the mobile phone terminal. Background technique [0002] There are two main modes of current mobile phone on-site payment methods: the first mode is to use NFC or similar contactless technology (such as SIMPASS, etc.), and the second mode is to make an appointment payment method. [0003] The problem with mode one is that the mobile phone must have an NFC module or the SIM card must be replaced if SIMPASS technology is used. The problem with mode 2 is that the payment process still requires the user to enter the bank card password, which has no particularly prominent advantages compared with the traditional card payment and requires major changes by the card issuer. [0004] Therefore, it is necessary to improve the current mobile phone on-site payment technology to provide a more convenient mobile phone on-site paymen...

Claims

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Application Information

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IPC IPC(8): G06Q20/32
CPCG06Q20/3224G06Q20/401
Inventor 黄敬陈超茵彭志远徐慧莹周宇
Owner CHINA UNIONPAY
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