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Short message payment method and system and payment platform system

A payment platform and payment system technology, applied in payment architecture, equipment, data processing applications, etc., can solve problems such as inability to use mobile payment, achieve fast, intuitive and convenient secure payment, and improve user experience

Pending Publication Date: 2019-08-13
李宝隆
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The embodiment of this application proposes a short message payment method and system and a payment platform system to solve the APP payment of smart phones, the payment of smart terminals or PC terminals in the prior art, and the payment can only be completed through the Internet through the payment program, resulting in Non-smartphone users or smartphone users without APP installed or users who do not know how to use the Internet cannot use mobile payment technical problems

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  • Short message payment method and system and payment platform system
  • Short message payment method and system and payment platform system
  • Short message payment method and system and payment platform system

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Embodiment Construction

[0023] In order to make the technical solutions and advantages of the present application clearer, the exemplary embodiments of the present application will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present application, not all of them. Exhaustive list, and in the case of no conflict, the embodiments in this description and the features in the embodiments can be combined with each other.

[0024] The inventor noticed during the invention that:

[0025] Judging from the current usage scenarios of mobile payment, there are the following problems:

[0026] First, at present, mobile payment is mainly used for smart phones and smart terminals, and non-smart phones cannot pay;

[0027] The second is that the APP payment program for mobile payment can only be paid through the Internet, and non-smart phones do not have an APP payment program, and mobile payment canno...

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Abstract

The invention provides a short message payment method and system and a payment platform system, and the method comprises the steps: a requester mobile terminal editing and generating a short message payment request, and sending the short message payment request to a payment platform through a short message; the payment platform approving the short message payment request according to a short message payment account which is pre-stored, registered and opened; and generating a short message payment code, sending the short message payment code to the requesting party mobile terminal through a short message, returning the received short message payment code instruction to the payment platform by the requesting party mobile terminal through the short message, and sending a payment result to therequesting party mobile terminal and the paid party mobile terminal by the payment platform through the short message. At present, mobile payment is completed by an APP of a smart phone through the Internet and is not completed by sending a short message. According to the method and the system, the payment of the mobile terminal can be completed by sending the short message through the mobile phone when the mobile terminal pays, so that the payment convenience of the mobile terminal is greatly improved, and the quick, visual and safe payment of the mobile terminal is provided for a non-intelligent mobile phone user.

Description

technical field [0001] The present application relates to the technical field of mobile payment, in particular to a short message payment method and system and a payment platform system. Background technique [0002] At present, Alipay and WeChat Pay in the field of mobile payment are all paid by the payment APP program of the smart phone through the Internet. [0003] The current PC-side payment also uses the payment program to complete the payment through the Internet. [0004] The deficiencies in the prior art are: [0005] Due to the payment via the Internet with the payment APP program of the smart phone, the smart terminal or the payment program on the PC side, users who use non-smart phones or smart phone users who do not install the payment APP or users who do not know how to use the Internet cannot use mobile payment. Contents of the invention [0006] The embodiment of this application proposes a short message payment method and system and a payment platform sy...

Claims

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Application Information

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IPC IPC(8): G06Q20/32
CPCG06Q20/3255G06Q20/326G06Q20/386
Inventor 李宝隆
Owner 李宝隆
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