Mobile-terminal-based general transaction method and its system

[0073] Method Example 1

[0074] If the transaction is an ordinary payment, such as figure 2 Shown. After the user logs in, he submits the secondary virtual account of the account that needs to participate in the transaction to the payment system, and the submission process can also use encryption. The payment system completes the conversion between the universal transaction number and the payment system identification number according to the payment party's universal transaction number, and combines the payment system identification number and the submitted secondary virtual account number into a primary virtual account number and submits it to the banking system. The banking system generates a transaction serial number and random seed value for this transaction, and transmits the transaction serial number and random seed value back to the payment system, and the payment system transmits the transaction serial number and random seed value back to the mobile terminal of the payer. The payer’s mobile terminal encrypts the bank account password corresponding to the secondary virtual account through the random seed value, and submits complete transaction information including: transaction type, transaction amount, payee’s general transaction number, payer’s general transaction number, The second-level virtual account of the payer; the transaction information can also include the payee's name, transaction notes, etc. The payment system determines the ordinary payment according to the submitted transaction type, completes the conversion between the common transaction number of both parties in the transaction and the payment system identification number, and combines it with the default receiving account set by the payee and the secondary virtual account of the payer to form both parties to the transaction Fill in the corresponding position of the transaction form with the encrypted bank account password and corresponding transaction serial number, and submit the transaction form to the bank system after processing. The banking system completes the conversion between the primary virtual account and the actual account according to the primary virtual account of both parties in the transaction form, and authenticates the payer’s bank account participating in the transaction with the payer’s bank account password provided in the transaction form. After passing the legality authentication, it enters the general financial electronic transaction process, otherwise the transaction process ends. After the transaction process is over, the banking system returns the transaction serial number and transaction result to the payment system. If the transaction fails, it returns the reason for the transaction failure. The payment system records the transaction result and returns the transaction result to the payer’s mobile terminal. If the transaction fails, it also returns the transaction Reason for failure.

[0075] Method Example 2

[0076] When the transaction process is a bill transaction, such as image 3 As shown, when the user logs in to the payment system through the mobile terminal. The payer obtains the unpaid bill from the payment system. The bill is submitted to the payment system by other commercial systems through the standard interface provided by the payment system. The bill includes the validity period of the bill, the transaction amount, and the common transaction number of both parties to the transaction. information. It can also include the account information of the bill provider, the name of the bill provider, the party who pays the handling fee, the method of handling bill expiration, and the transaction amount. The bill processing method between the payment system and the commercial system should include bill submission, bill receipt, bill processing, and bill processing result feedback. In order to ensure complete information transmission, each processing adopts a request/response model. The payment submits the secondary virtual account of the account that needs to participate in the transaction to the payment system, and the submission process can also use encryption. The payment system completes the conversion between the universal transaction number and the payment system identification number according to the payment party's universal transaction number, and at the same time combines the payment system identification number and the submitted secondary virtual account number into a primary virtual account number and submits it to the banking system. The banking system generates a transaction serial number and random seed value for this transaction, and transmits the transaction serial number and random seed value back to the payment system, and the payment system transmits the transaction serial number and random seed value back to the mobile terminal of the payer. The payer’s mobile terminal encrypts the bank account password corresponding to the secondary virtual account with a random seed value, and submits complete transaction information including: transaction type, payer’s general transaction number, payer’s secondary virtual account and bill serial number ; Transaction information can also include transaction notes and so on. The payment system determines the bill payment according to the submitted transaction type and reads the bill serial number. The payment system reads the general transaction number and transaction amount of the payee according to the bill serial number. The payment system reads the general transaction number and the payee of both parties to the transaction. Set the default receiving account and the payer’s secondary virtual account to get the primary virtual account of both parties to the transaction, fill in the corresponding position of the transaction form together with the encrypted bank account password and the corresponding transaction serial number, and submit the transaction form to Banking system. The banking system completes the conversion between the primary virtual account and the actual account based on the primary virtual account of both parties in the transaction form, and authenticates the payer’s bank account participating in the transaction with the payer’s bank account password provided in the transaction form. The banking system completes the conversion between the primary virtual account and the actual account based on the primary virtual account of both parties in the transaction form, and authenticates the payer’s bank account participating in the transaction with the payer’s bank account password provided in the transaction form. After the legality authentication is passed, it enters the general financial electronic transaction process, otherwise the transaction process ends. After the transaction process is over, the banking system returns the transaction serial number and transaction result to the payment system. If the transaction fails, it returns the reason for the transaction failure. The payment system records the transaction result and returns the transaction result to the payer’s mobile terminal. If the transaction fails, it returns the transaction at the same time. Reason for failure.

[0077] Method Example 3

[0078] During the transaction with the bank terminal, such as Figure 4 Shown. The user is the transaction party, and the transaction party uses the mobile terminal to log in to the payment system through the universal transaction number and login password, and submits complete transaction information including: transaction type, the universal transaction code of the bank terminal participating in the transaction, the payment party’s universal transaction number and payment Party second-level virtual account and transaction notes, etc. The payment system determines the bank terminal transaction according to the submitted transaction type, and completes the conversion between the general transaction number of the transaction party and the bank terminal and the payment system identification number. The payment system uses the general transaction number and secondary virtual account number of the transaction party, and the bank terminal The general transaction and payment system identification number of the computer obtains the first-level virtual account numbers of both parties to the transaction, and fills in the corresponding position of the transaction form. After the processing is completed, the transaction form is submitted to the banking system. After receiving the transaction form, the banking system first generates a transaction serial number for the transaction form, and completes the conversion between the first-level virtual account number and the real account number according to the user's first-level virtual account information contained in the transaction form, and according to the bank contained in the transaction form The payment system identification number of the terminal machine. Check the network address code of the corresponding device in the corresponding table of the payment system identification code and network address code of the bank terminal in the bank system, and send the transaction party account information and transaction type information to the address code . The bank terminal initiates the transaction process according to the received account information, which is the same as the transaction process of the existing POS/ATM machine; it can be used for card consumption on the POS machine, and functions such as inquiry, withdrawal, storage and transfer on the ATM machine. The steps for authenticating the bank account are implemented on the bank terminal. After the transaction process is over, the banking system returns the transaction serial number and transaction result to the payment system. If the transaction fails, it returns the reason for the transaction failure. The payment system records the transaction result in the database and returns the transaction result to the mobile terminal of the transaction party. If the transaction fails It also returns the reason for the transaction failure.