Mobile phone-bank card combined apparatus, novel business electronic paying system constituted thereby and using method

Abstract

The invention relates to a cell phone and banking card combination equipment, and the new type electronic business affairs payment system based on the equipment together with its usage. The cell phone number and the stock information of the owner are stored in the cell phone, together with a short message transceiver module included. The cell phone number is consistent to the bank account number. The system is composed of the mentioned equipment, the public wireless mobile communication network, the short message center, the bank computer and the point-of-sale terminals of the manufactures. The usage lies in the following. óƒ the bank and the mobile phone company issues the account number and the cell phone number, which are consistent to each other. ó constitute the mentioned system. ó� the system setup. óœ when paying, the cell phone number of the owner is keyed in or transferred to the point-of-sale terminal through the wireless transmitter. ó¦ the terminal transmits the account transfer information to the bank computer. óÌ the expense amount (a) needed to be paid by the owner is compared with the stock surplus (b) of his corresponding account by the computer, if a >b , execute step ó›, otherwise execute step óÓ. ó› the short message that there is not enough stock surplus and the transaction is terminated, is transferred to the equipment by the computer, and turn to step óÔ. óÓ the bill of costs and the short messages such as the payment is permitted, please enter the password and press X to exist and so on, are transferred to the equipment by the computer. óß the transaction result information is transferred to the equipment through the short message center by the computer. óÔ the operation is terminated and a transaction cycle is implemented.

Description

technical field [0001] The invention relates to the fields of mobile communication and e-commerce, in particular to a mobile phone-bank card composite device, a new commercial electronic payment system formed by it and a method for using it. Background technique [0002] With the rapid development of finance, telecommunications, and network technology, various technologies that facilitate people's life and entertainment have emerged as the times require, and people's pursuit and dependence on technology and fashion have reached an unprecedented level. The most obvious example is the status of mobile phones in people's lives. In today's large and medium-sized cities, the proportion of people using mobile phones is extremely alarming, especially for young and middle-aged consumers. For them, mobile phones are already a An essential part of life. Even so, mobile phone manufacturers around the world continue to invest heavily in research and development of new functions. Comme...

AI Technical Summary

Problems solved by technology

The disadvantages of this system are: 1. Existing equipment needs to be eliminated, and wireless POS (sales) terminals and wireless POS management center subsystems are specially manufactured for this system, and a new system is formed. Therefore, new investment needs to be increased , increase the cost of use and maintenance, and also bring burden and inconvenience to consumers and businesses

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