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.
CN1798204AInactive Publication Date: 2006-07-05HUAWEI TECH CO LTD
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Patent Information

Authority / Receiving Office
CN Β· China
Patent Type
Applications(China)
Current Assignee / Owner
HUAWEI TECH CO LTD
Publication Date
2006-07-05
Estimated Expiration
Not applicable Β· inactive patent

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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.
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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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