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On-line near-field payment system and method based on cell phone number

A mobile phone number and near-field payment technology, which is applied in the payment system structure, transmission system, instruments, etc., can solve the problems of low authentication security and complicated operation

Active Publication Date: 2015-11-04
孙银海
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The present invention mainly solves the technical problems of the existing mobile phone number-based payment technology such as complex operation and low authentication security, and provides a simple, safe and reliable online near-field payment system and method based on mobile phone numbers. The invention provides an online near-field payment method, that is, a method for customers to complete near-field payment without browsing the merchant's website

Method used

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  • On-line near-field payment system and method based on cell phone number
  • On-line near-field payment system and method based on cell phone number
  • On-line near-field payment system and method based on cell phone number

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Embodiment 1

[0097] A system of online near-field payment based on a mobile phone number in this embodiment, such as figure 1 As shown, it includes a user terminal 11 , an IP address assignment authentication unit 12 , an identity server 13 , a registration server 14 , a payment server 17 and an information collection unit 15 . User terminal 11, payment server 17 and registration server 14 are connected to each other via network 16, payment server 17, identity server 13 and registration server 14 are connected to each other via network 16, user terminal 11 and IP address allocation authentication unit 12 are connected via network 16, IP The address allocation authentication unit 12 is connected to the identity server 13 through the information collection unit 15 . The network 16 is composed of the Internet, dedicated communication lines, mobile communication networks (including base stations), broadband wireless networks (including APs), gateways, and the like.

[0098] The user terminal ...

Embodiment 2

[0173] The mobile phone number-based online near-field payment system in this embodiment is the same as that in Embodiment 1.

[0174] In the method for online near-field payment based on a mobile phone number in this embodiment, step a, step b, step c, step d and step e are the same as in embodiment 1, and the remaining steps are different;

[0175] In this embodiment, the user terminal of the payee sends a payment request to the registration server, and the user terminal of the payer waits for the payment confirmation after performing step e and performs subsequent steps according to the received information;

[0176] For example, User A is the payer, and his mobile phone number is 138XXXX2222. User A’s payment operation is completed on the APP software or browser software of his mobile terminal; User B is the payee, and his mobile phone number is 139XXXX8888. User B’s payment operation The APP software or browser software of the mobile phone terminal is completed; the mobil...

Embodiment 3

[0205] The mobile phone number-based online near-field payment system of the present embodiment, wherein the IP address assignment authentication unit includes a PDN gateway (PDN gateway, Packet Data Network Gateway) of a 4G wireless communication access network; the access network is a wireless access network network, such as an LTE network (LTE, Long Term Evolution); the mobile phone number-based online near-field payment system in this embodiment, and the rest are the same as in Embodiment 1.

[0206] In this embodiment, the IP address allocation authentication unit can be connected to the network through an optical fiber or a switch or a PCM (PCM, Pulse Code Modulation), and the information collection unit can be connected to the PDN gateway through an optical splitter or a high-impedance jumper. The information collection unit is to collect the PDN A collection device for signaling and data packets sent and received by the gateway, the information collection unit can obtai...

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Abstract

The present invention discloses an on-line near-field payment system and method based on cell phone numbers. The system comprises a user terminal, a register server, a payment server, an IP address assignment authentication unit, an information collection unit and an identity server. A user first registers on the register server and the identity server, a payment request is sent to the register server when payment is required, payer identity and paying party authentication processes are completed through cell phone numbers, so as to carry out payment and realize on-line near-field payment. Users do not need to browse merchant websites, individual-to-individual and individual-to-merchant payment can be conveniently carried out, and the system and method are high in safety, simple to operate, and suitable for various consuming and account transferring environments.

Description

technical field [0001] The invention relates to the field of online payment, in particular to an online near-field payment system and method based on a mobile phone number. Background technique [0002] The development of e-commerce has put forward various requirements for online and near-field payment, such as fast, convenient, and safe from the perspective of use; from the perspective of payment objects, it is required to realize payment from individuals to merchants, and from individuals to individuals, etc. ; [0003] However, the current online payment is all remote payment, and there is no near-field payment realized online; the reason is that the current online payment requires customers to browse the merchant website and complete the payment after signing an order, which limits online payment as a near-field payment method. [0004] With the popularization of smart phones, some payment methods based on mobile phone numbers have emerged. For example, the patent docum...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L29/12G06Q20/32
Inventor 孙正楠
Owner 孙银海
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