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Cell phone payment system

A mobile phone payment and mobile phone technology, applied in special data processing applications, instruments, electrical digital data processing, etc., can solve problems such as difficult implementation and weakened technical means, and achieve the effect of solving payment needs, wide adaptability and use occasions

Inactive Publication Date: 2004-12-15
邵军利
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0012] The above payment methods try to solve payment security issues from a technical point of view as much as possible, but they bring many difficult requirements to the mobile phone itself and the use environment; if the characteristics of mobile phones can be combined, mobile payment Starting from the scope of the application itself, weakening purely technical means, and constructing solutions with limited usage methods and usage purposes, it may be possible to better leverage the advantages of mobile phones and promote business development

Method used

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Embodiment Construction

[0040] specific example

[0041] see figure 1 Structural diagram of the mobile payment system of the present invention.

[0042] First some clarification:

[0043] The account system bound with the mobile phone feature information of the present invention can be a subsidiary account of the main account of the bank, or an independent account management system.

[0044] If it is a subsidiary account of the bank's primary account, the following methods can be used to establish a connection with the mobile phone feature information:

[0045] ●Internet banking contract;

[0046] ●Telephone banking contract;

[0047] ●Site contract;

[0048] ●ATM contract.

[0049] If it is an independent account management system, use the method of remittance, or the method of transfer / electronic transfer to establish a connection with the characteristic information of the mobile phone.

[0050] No matter what kind of account management system it is, some of the above processing is not withi...

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Abstract

This invention discloses a hand call payment system. A hand call is connected to a payment gate by SMS, USSD and GPRS. The payment gate is connected with an account system bound with a hand call number and an applied gate which can be connected with more applications. The payment gate controls the interactive process of business information and payment information with the hand call. If necessary, it is connected to the account system to deal with payment and inputs ciphered code and certified code.

Description

field of invention [0001] The invention belongs to the field of value-added application processing of mobile phones. Background of the invention [0002] The current mobile payment methods have relatively large limitations and are not convenient enough to use. So the present invention proposes a new method to solve the problem of mobile payment. [0003] The current mobile phone payment adopts two methods: one is to adopt STK (SIM card toolkit, SIMTOOL KIT) technology, and the SIM card (Global Mobile User Card) of the mobile phone needs to be replaced to support STK technology; the other is to adopt WAP (WIRELESS ACCESS PROTOCOL protocol, a protocol that supports mobile Internet access) for online payment. Both of these methods have relatively large limitations and are not convenient enough to use. [0004] Adopting STK (SIM card tool kit, SIM TOOL KIT) technology can solve the security problem of payment, but has the following defects: [0005] ●Need to replace a new SI...

Claims

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Application Information

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IPC IPC(8): H04M3/42
Inventor 邵军利
Owner 邵军利