Payment system and implement method

A payment system and implementation method technology, applied in the field of communications, can solve the problems of poor payment accuracy and reliability, limited user access methods and business processing, and achieve the effects of reducing complexity, avoiding arrears risks, and avoiding merchant fraud.

Inactive Publication Date: 2006-07-05
HUAWEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0012] The present invention provides a payment system and its implementation method to solve the problems of limited user access methods and business processing, as well as poor payment accuracy and reliability in the existing payment technology

Method used

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  • Payment system and implement method
  • Payment system and implement method
  • Payment system and implement method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0053] The present invention mainly takes mobile communication payment as an example to illustrate the present invention.

[0054] refer to Figure 1A As shown, the mobile payment system includes:

[0055] Payment unit: store user data, merchant (or business application provider) information and merchant product information, etc., authenticate the transaction request and payment request initiated by the mobile user, send the authenticated transaction request to the merchant, and Authenticate payment requests initiated by merchants and process payment services. User data mainly includes: user number, payment password, payment account balance, daily consumption limit, monthly consumption limit, single consumption limit; Commodity information includes: commodity identification, commodity name, commodity type, commodity unit price, deduction type and deduction period, etc.

[0056] The gateway is connected with the payment unit, completes the protocol conversion function between...

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Abstract

The system consists of a payment unit, a gateway connected to the payment unit, several intelligent peripherals and a service management point. The payment unit is used to save the subscriber data and the data of commodity and its suppliers, and to initiate an authentication request for the transaction in term of the saved data, and to send the authentication request for the transaction passed the authentication to the commodity supplier, and to make authentication for the payment request initiated by commodity supplier, and to process the payment service. The gateway and the intelligent peripherals are used to provide a way to access the payment unit. The service management point is used to provide a management interface and receives the command to manage the subscriber data in the payment unit.

Description

technical field [0001] The invention relates to the payment technology in the communication field, in particular to a payment system and its implementation method. Background technique [0002] With the popularization of mobile phones, using the mobility and uniqueness of mobile phones to carry out mobile payment has become a new business. In the mobile payment business, the Mobile Payment Service Center (MPSC), as the most important link in the mobile payment value chain, is directly related to the success of the mobile payment business. [0003] Existing mobile payment is generally carried out through SMS, and its main process is as follows: [0004] 1. Mobile phone users use SMS to access the communication network and send transaction requests to the transaction center system, which carries information including mobile phone number, bank code, payment password, payment amount, and POS terminal number. [0005] 2. The transaction center authenticates the mobile phone num...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04M3/42H04M11/00G07F19/00G06Q20/00G06Q30/00
CPCH04M15/00H04M2215/2026G06Q20/40H04W4/24H04M2215/32G06Q40/00G06Q30/06G06Q20/322G06Q20/02G06Q20/32G06Q20/108
Inventor 王琳
Owner HUAWEI TECH CO LTD
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