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Mobile phone payment system employing temporary credit card, and corresponding method

A technology of mobile payment and credit card, applied in payment architecture, data processing applications, instruments, etc., can solve the problems that users cannot enjoy the convenience of mobile payment, and achieve the effect of simple and fast operation

Inactive Publication Date: 2014-06-25
黄金富
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, since most mobile phones are not equipped with near-field communication components, most users cannot enjoy the convenience of mobile payment

Method used

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  • Mobile phone payment system employing temporary credit card, and corresponding method
  • Mobile phone payment system employing temporary credit card, and corresponding method
  • Mobile phone payment system employing temporary credit card, and corresponding method

Examples

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Embodiment Construction

[0013] The method of the present invention will be described in further detail below in conjunction with the accompanying drawings.

[0014] refer to figure 1 , figure 1 It is a schematic explanatory diagram of the system structure of the first embodiment of the mobile payment system of the present invention, figure 1 The system shown in includes an issuing bank (1) with a bank account of a user, an acquiring bank (2) with a bank account of a merchant, a POS machine (3) of the merchant, and a mobile phone (4) of the user, wherein, The user's mobile phone (4) is associated with the user's bank account at the card-issuing bank (1), and the card-issuing bank (1) is provided with a payment server (101), and the user's mobile phone (4) communicates with the payment server ( 101) For data communication, the merchant's POS machine (3) communicates with the acquiring bank (2) for data communication, and the issuing bank (1) is connected to the acquiring bank (2) through a payment ne...

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Abstract

The invention provides a mobile phone payment system employing a temporary credit card, and a corresponding method. A temporary credit card mode is utilized to replace an entity credit card for payment. The system comprises an issuing bank (1) provided with a user bank account, an acquiring bank (2), a merchant POS machine (3) and a user mobile phone (4). Before the payment of a user, a mobile phone (4) is used to send a request for temporary credit card information to a payment server (10) through a mobile telephone network (5), the payment server (10) generates the temporary credit card information for returning to the mobile phone (4), the user uses the temporary credit card information to carry out the payment on the POS machine (3), and the POS machine (3) acquires authentication of the payment to finish the payment through the acquiring bank (2) and the issuing bank (1) by use of the temporary credit card information. During settling, the issuing bank (1) transfers an accounting item needing to be paid to the bank count of the user. The payment process is as convenient and rapid as the card payment process by use of a non-contact intelligent card on a POS machine.

Description

【Technical field】 [0001] The invention relates to financial payment technology, in particular to a mobile phone payment system using a temporary credit card and a corresponding method. 【Background technique】 [0002] As mobile phones become more and more popular, mobile payment has also begun to be used in practical applications. General mobile payment is to use a mobile phone equipped with near field communication (NFC, Near Field Communication) components to replace bank cards in stores through near field communication components. POS machine for payment. However, since most mobile phones are not equipped with near-field communication components, most users cannot enjoy the convenience of mobile payment. 【Content of invention】 [0003] The purpose of the present invention is to provide a mobile phone payment system and corresponding method using a temporary credit card, using a temporary credit card to replace a physical credit card, and to carry out various application...

Claims

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Application Information

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IPC IPC(8): G06Q20/16
CPCG06Q20/204G06Q20/3223G06Q20/4014
Inventor 黄金富
Owner 黄金富
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