Mobile phone wallet recharging system and operation method thereof

Abstract

The invention relates to a mobile phone wallet recharging system and an operation method thereof. The mobile phone wallet recharging system is composed of a third party payment platform, a self-service terminal, a mobile phone wallet, a mobile phone client end, a bank server and a recharging application server. The system receives mobile phone wallet recharging information sent by a mobile communication network or the Internet, whether a recharging demand is met or not is judged by judging an information source and analyzing instruction content, if the demand is met, mobile phone wallet account information and payment cutting information are sent to a capital account platform which conducts payment cutting operation, and an operation result is returned. The mobile phone wallet recharging system not only supports a user to use the third party network payment platform on smart terminals such as a computer and a mobile phone to recharge, but also supports the user to use self-service terminals distributed at different places to recharge, user groups who can not use the Internet are covered, and the advantages of being diversified in recharging modes, high in recharging efficiency and convenient to recharge are achieved.

Description

technical field [0001] The invention relates to a mobile phone wallet recharging system and an operation method, which belong to the field of communication technology and the field of finance. Background technique [0002] At present, there are three main methods of recharging mobile wallets: direct recharging at recharging outlets, over-the-air recharging and operator website recharging: [0003] In the direct recharge at recharge outlets, there are two situations according to the source of funds: [0004] 1. Cash top-up: The technology consists of mobile phone, cash, card writing equipment and operators. The user goes to the top-up outlet and pays the cash of the specified top-up amount to the operator. The operator writes the card through the card writing equipment to complete the top-up process. [0005] 2. Credit card recharge: the technology consists of mobile phones, bank cards, bank POS (Point of Sales) machines, bank servers, bank communication channels, card writi...

AI Technical Summary

Problems solved by technology

Generally speaking, the existing recharge system is relatively independent, and different operators support different recharge methods and recharge terminals. There is no unified recharge platform, and they are not suitable for new fund recharge methods, especially now that Internet finance is relatively developed. , does not support recharging through payment platforms with third-party payment functions such as Alipay, Tenpay, Quick Money, and WeChat

In addition, most of the existing recharge methods require users to bind bank accounts at offline business outlets or recharge at outlets, which cannot realize the entire online operation, and there is a problem of operational convenience

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