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1259 results about "Mobile payment" patented technology

Mobile payment (also referred to as mobile money, mobile money transfer, and mobile wallet) generally refer to payment services operated under financial regulation and performed from or via a mobile device. Instead of paying with cash, cheque, or credit cards, a consumer can use a mobile to pay for a wide range of services and digital or hard goods. Although the concept of using non-coin-based currency systems has a long history, it is only in the 21st century that the technology to support such systems has become widely available.

Methods and Systems For Payment Method Selection by a Payee in a Mobile Environment

InactiveUS20080010193A1Unprecedented convenienceUnprecedented flexibilityFinancePayment architectureElectronic communicationMethod selection
Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods. The system provides information corresponding to a received payment to a user/payee's mobile device. Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment. The user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment. The mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS. The MFTS generates and communicates an MFTS payment instruction including an amount, the identified payee, and the selected payment method, to a payment instruction recipient. The payment instruction recipient, in response to receipt of the MFTS payment instruction, effects a payment to the user/payee utilizing the selected payment method.

Method for generating two-dimensional code and implementing mobile payment by mobile phone

The invention relates to a method for generating a two-dimensional code and implementing mobile payment by a mobile phone. A user can input various payment card information (such as bank card account numbers, credit card account numbers, prepaid card account numbers, and third party payment user account numbers) into the mobile phone, the information is enciphered and stored, and then the two-dimensional code is generated and displayed on a screen of the mobile phone. A merchant scans a pattern of the two-dimensional code through a two-dimensional code identifying and reading device, and after user authentication information (such as two-dimensional code generation time, mobile phone fingerprints and mobile phone positions) and the payment card information are decoded, the user authentication information, the payment card information, consumption amount information of the user, merchant account number information and the like are enciphered and sent to a corresponding payment and settlement system. After receiving the information, a payment and settlement server confirms the payment card information to be true or false according to the two-dimensional code authentication information, and carries out payment transaction. The method has the main advantage that the user can save the information of various payment cards, consumption cards and the like in the mobile phone and realize no-card electronic payment transaction instead of the various payment cards.

Management system for mobile urban public bicycle and dispatching method

The invention discloses a management system for a mobile urban public bicycle and a dispatching method. The management system comprises an intelligent bicycle, a user mobile terminal and a business management system, wherein the intelligent bicycle comprises the modules of an identifying code module, an intelligently locking module, a positioning module, a communication module, an illuminating module, a supplying power module, and the like; the user mobile terminal has the functions of bicycle inquiry, code sweeping, unlocking, mobile payment, and the like; the business management system has the functions of management of users and bicycles, borrowing and returning information, data analysis, and the like. The dispatching method comprises the following steps: zoning a city; analyzing the reasonability of the bicycle quantity in each zone; and stimulating the user to ride the bicycle out of the zone or into the zone from other zones when the bicycles in the zone are excessive or fewer by taking an award measurement. Thus, the infrastructures for lock piles, sheds, communication, etc., do not need to be constructed, and the user can conveniently inquire the nearby bicycles through the mobile terminal of the user and can conveniently borrow and return the bicycle and pay the fee. The manual carrying for bicycle dispatching is not needed any more and the management cost is lowered.
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