Small payment method based on mobile terminal

A mobile terminal and fee payment technology, applied in payment architecture, data processing applications, instruments, etc., can solve the problems of cumbersome operations, complicated procedures, and poor ease of use, and achieve the goal of getting rid of dependence, low threshold for use, and ease of use. Effect

Inactive Publication Date: 2007-05-23
SHANGHAI QIYESHU NETWORK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0014] The purpose of the present invention is to provide a small fee payment method based on a mobile terminal to overco

Method used

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  • Small payment method based on mobile terminal
  • Small payment method based on mobile terminal
  • Small payment method based on mobile terminal

Examples

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Embodiment Construction

[0029] Below, according to Fig. 1 to Fig. 4, a preferred embodiment of the present invention is given and described in detail, so as to better understand the functions and characteristics of the present invention.

[0030] In order to better illustrate the present invention, firstly refer to FIG. 1 to illustrate the virtual account number in the payment application system.

[0031] This mobile payment system innovatively draws on the advantages of online virtual accounts, that is, deposits and transfers of funds are realized by establishing virtual accounts with corresponding characteristics.

[0032] The establishment of virtual accounts makes third-party payment operators no longer rely on UnionPay card funds in the initial stage of payment operations. Users are no longer required to bind with bank cards, no longer spend time on complex operations, and it is easier to accept in their hearts.

[0033] This virtual account has the following characteristics:

[0034] 1. The bas...

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Abstract

The invention discloses a small fee payment method based on the mobile terminal, including the following steps: associate the user's mobile terminal number to the virtual account in the payment server of the merchant; the user sends payment authorized instruction to the payment server via mobile terminals; the payment server makes parsing and data analyzing to the authorized instruction; the server return the handled information to the user. The above solution of the invention is the innovation based on the existing payment system: it combines the virtual account payment system of the third party payment merchants and the mobile payment system, and through technical innovation and standards, successfully passes round the technical barriers of the telecommunications merchants and JETCO, and significantly ease user's experience with the operations of mobile payment. Creating a unique virtual account, realizes feasibility and safety of simply mobile payment; through technical standards and technical means, achieves ease of use in the operations of mobile payment.

Description

technical field [0001] The invention relates to a mobile terminal-based small-amount fee payment method, in particular to a small-amount fee payment method integrating a virtual account payment system and a mobile payment system. Background technique [0002] With the rapid development of the Internet and the gradual popularization of e-commerce, people have more and more demands for transaction payment in e-commerce. For large-value transactions, domestic commercial banks and UnionPay have opened online banking systems, which are relatively mature and complete. But for online micropayments, commercial banks are limited by factors such as transaction costs, and have not yet made great achievements in this regard. [0003] At present, the number of small transactions involved in the Internet is huge, especially some information products and non-logistics products. Such as information subscription, purchase of game point cards, download of music and other media, online servi...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q30/00
Inventor 姚学民
Owner SHANGHAI QIYESHU NETWORK
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