CN103593761A - Cell phone terminal onsite paying method and system based on mobile positioning service - Google Patents

Abstract

A method and system for on-site payment by a mobile terminal based on a mobile location service. The method and system pre-associate the mobile terminal number with the payment card information of the mobile terminal user and pre-register the terminal payment device user with the service end based on the mobile positioning service; Among the terminal payment device users, select the terminal payment device user located near the mobile terminal, and send the selection result to the mobile terminal to make it select the user to be traded; after receiving the user to be traded and the transaction setting information, the server Send the authorization code to the mobile terminal; the terminal payment device sends the authorization code and transaction-related information to the server, and when receiving the authorization code, sends the transaction-related information and the payment card information associated with the mobile terminal number to the server. To the issuer of the payment card for subsequent processing. The method and system of the present invention realize mobile phone on-site payment without requiring mobile terminal users to input payment card numbers and passwords, thereby improving security.

Description

Method and system for on-site payment by mobile terminal based on mobile positioning service

technical field

The invention relates to the payment technology, in particular to the technology of payment based on the mobile positioning service by the mobile phone terminal.

Background technique

There are two main modes of current mobile phone on-site payment methods: the first mode is to use NFC or similar contactless technology (such as SIMPASS, etc.), and the second mode is to make an appointment payment method.

The problem with mode one is that the mobile phone must have an NFC module or the SIM card must be replaced if SIMPASS technology is used. The problem with mode 2 is that the payment process still requires the user to enter the bank card password, which has no particularly prominent advantages compared with the traditional card payment and requires major changes by the card issuer.

Therefore, it is necessary to improve the current mobile phone on-site payment technology to provide a more convenient mobile phone on-site payment solution.

Contents of the invention

The invention provides a method for on-site payment by a mobile phone terminal based on a mobile location service. The method may include: associating the terminal number of the mobile terminal with the payment card information of the payment card of the mobile terminal user of the mobile terminal in advance; The positioning service obtains the location information of the mobile terminal; according to the location information of the mobile terminal, the server selects the terminal payment device users who are near the location of the mobile terminal from the terminal payment device users registered with the server, and sends the selected The user of the terminal payment device near the location of the mobile phone terminal transmits it to the mobile phone terminal; selects the user to be traded from the users near the location of the mobile phone terminal; transmits the selected user to be traded and the transaction setting information by the mobile phone terminal For the server, the transaction setting information includes the maximum transaction amount, the transaction time limit, and the payment card used for the transaction; after receiving the selected user to be traded and the transaction setting information, the server sends the transaction to the The mobile terminal sends an authorization code; the terminal payment device sends the authorization code and transaction-related information to the server, and when receiving the authorization code, the server will send the transaction-related information and the information related to the mobile phone The payment card information associated with the terminal number is sent to the issuer of the payment card for subsequent transaction processing.

Preferably, in the method, associating the terminal number of the mobile terminal with the payment card information of the mobile terminal user of the mobile terminal in advance includes: obtaining the terminal number of the mobile terminal to be associated and the identity information of the mobile terminal user; Obtained terminal number and identity information; Obtain the payment card information of the mobile terminal user's payment card; Based on the obtained payment card information and identity information, through the payment card issuer's association between the payment card information and the identity information authentication; and after the authentication is passed, associating the terminal number of the mobile terminal with the payment card information.

Preferably, in the method, pre-registering the user of the terminal payment device with the service end based on the mobile location service includes: obtaining the identity of the user of the terminal payment device, the device identity of the terminal payment device, and the terminal payment The location information of the device user, the server stores the acquired terminal payment device user ID, the device ID of the terminal payment device, and the location information.

Preferably, in the method, the acquisition of the terminal number of the mobile terminal to be associated and the identity information of the terminal user is that the terminal user transfers the terminal number to be associated with the identity information of the terminal user through a secure hypertext transfer protocol. It is transmitted to the server and received by the server.

Preferably, in the method, after storing the obtained terminal number and identity information, the method further confirms to the mobile terminal user whether to associate the obtained terminal number with the identity information, and confirms the association with the terminal user. In the case of , associate the obtained mobile phone terminal number and identity information.

Preferably, in the method, when the selected user and transaction setting information are transmitted to the server via the mobile terminal, the payment card number part of the payment card information associated with the terminal number is also included The digital information is transmitted to the mobile terminal.

Preferably, in the method, the transaction setting information includes the maximum transaction amount, the transaction time limit, and the payment card selected for the transaction according to part of the payment card number provided by the server.

Preferably, in the method, the transaction-related information includes the identification of the terminal payment device and the transaction amount.

The present invention also provides a system for performing on-site payment by a mobile terminal based on a mobile location service, and the system is set in a server for processing payment data. The system may include: an association subsystem for associating the terminal number of the mobile terminal with the payment card information of the mobile terminal user of the mobile terminal; for pre-registering the user of the terminal payment device with the system for on-site payment The registration subsystem in the mobile phone terminal location information acquisition module, which is used to receive the location information of the mobile phone terminal obtained through the mobile positioning service of the mobile phone terminal; the selection module, which is used to, according to the location information of the mobile phone terminal, From the terminal payment device users registered by the registration subsystem, select the terminal payment device users near the location of the mobile phone terminal, and send the terminal payment device users near the location of the mobile phone terminal selected by the first sending module to The mobile terminal; the first receiving module, which is used to receive the user to be traded and the transaction setting information selected from the users near the position of the mobile terminal transmitted by the mobile terminal, and the transaction setting information includes the maximum Transaction amount, transaction time limit, and the payment card used for the transaction; the second sending module, which is used to send the authorization code to the mobile terminal after the first receiving module receives the transaction user and the transaction setting information; The second receiving module is used to receive the transaction-related information and authorization code sent by the terminal payment device to be used for the transaction; the third sending module is used to correlate the transaction when receiving the authorization code. The information and the payment card information associated with the mobile terminal number are sent to the issuer of the payment card for subsequent transaction processing.

According to one aspect of the present invention, the association subsystem may include: a first acquisition module for acquiring the terminal number of the mobile terminal to be associated, the identity information of the mobile terminal user, and the payment card information of the terminal user; The first storage module for storing the obtained terminal number and identity information; the authentication and association module, based on the obtained payment card information and identity information, through the card issuer of the payment card to verify the payment card information and the identity information The association is authenticated, and after the authentication is passed, the terminal number of the mobile terminal is associated with the payment card information.

Preferably, the first obtaining module receives the terminal number to be associated and the identity information of the terminal user transmitted by the terminal user through the secure hypertext transfer protocol, so as to obtain the terminal number of the mobile terminal to be associated and the identity information of the terminal user .

Preferably, after the storage module stores the acquired terminal number and identity information, the authentication association module further confirms to the terminal user whether to associate the acquired mobile phone terminal number with the identity information, and confirms the association with the terminal user. In the case of , associate the obtained mobile phone terminal number and identity information.

According to one aspect of the present invention, the registration subsystem includes: a second acquisition module for acquiring the user ID of the terminal payment device user, the device ID of the terminal payment device, and the location information of the terminal payment device user, And a second storage module for storing the acquired device identification of the terminal payment device and the location information.

By executing the method described in the invention, the mobile phone can be used for on-site payment, and the payment card number and password need not be input during the on-site payment process, thereby ensuring transaction security.

Description of drawings

Fig. 1 is a schematic flowchart of a method for associating a mobile terminal with a payment card of a terminal user of the mobile terminal.

Fig. 2 is a schematic structural diagram of an association subsystem for associating a mobile terminal with payment card information of a terminal user of the mobile terminal.

Fig. 3 is a schematic flowchart of a method for enabling a terminal payment device user to register to a payment system based on a mobile location service.

Fig. 4 is a schematic structural diagram of a registration subsystem enabling a terminal payment device user to register to a service end based on a mobile location service.

FIG. 5 is a flow diagram of a method for performing on-site payment through a mobile terminal based on a mobile positioning service by the mobile terminal.

Fig. 6 is an exemplary system for on-site payment by a mobile terminal based on a mobile location service according to the present invention.

Detailed ways

Hereinafter, embodiments of the present invention will be fully described with reference to the accompanying drawings. It should be noted that the present invention may be embodied in different forms and is not limited to the examples set forth herein. These embodiments and examples are provided for the purpose of being complete and thorough to describe the present invention and not limiting. All terms (including scientific and technical terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless explicitly defined herein.

Fig. 1 is a schematic flowchart of a method for associating a mobile terminal with a payment card of a terminal user of the mobile terminal. As shown in the figure, in step 100, the terminal number of the mobile terminal to be associated and the identity information of the terminal user of the mobile terminal are obtained. In step 102, the obtained mobile phone terminal number and identity information are stored. Then in step 104, the payment card information of the terminal user's payment card is obtained. Then at step 106, based on the acquired payment card information and identity information, the payment card issuer authenticates the payment card information and the terminal user's identity information. If the authentication is passed, the mobile terminal number of the mobile terminal is associated with the payment card information, as shown in step 108 .

The method shown in FIG. 1 can be executed on the service end of the payment system for payment business, and the mobile terminal can interact with the service end in various ways to achieve the association between the mobile terminal and the payment card. The payment system is, for example, the UnionPay system, and the server is, for example, a UnionPay system server. In all the examples below, the server is the UnionPay system server as an example for illustration.

As an example, the mobile phone terminal user can interact with the server (ie, the server) through the network through electronic devices such as the mobile terminal itself, a tablet computer, a notebook computer, and a desktop computer. Therefore, the operation of obtaining the terminal number of the mobile terminal to be associated and the identity information of the terminal user of the mobile terminal in step 100 can be performed by the terminal user through the electronic device through the secure hypertext transfer protocol. (HTTPS) to send its identity information and mobile phone terminal number to the server. In this case, the server will receive the terminal number of the mobile phone to be associated and the identity information of the terminal user sent by the electronic device. In step 102, the server stores the received mobile phone terminal number and identity information in a storage module of the server. Obtaining the payment card information of the terminal user in step 104 can also be achieved by the terminal user sending its payment card information to the server through an electronic device, so that the server will receive the payment card information sent by the electronic device, and the payment The card is, for example, a bank debit card or credit card; if the payment card is a bank debit card, the payment card information sent to the server includes the debit card number and debit card transaction password, and if the payment card is a credit card, it is sent to the server The payment card information includes the credit card number, the expiration date of the credit card, the last three digits (CVV2) on the back of the credit card, and the credit card transaction password. In addition, it should be noted that in all the examples in this article, the payment card can be a physical card such as a bank card, or a third-party account such as Alipay. If the payment card is a third-party account, the card issuer is third party. In step 106, the server authenticates the obtained payment card information to the card issuer of the payment card to ensure that the payment card information is correct and valid. The authentication includes sending the identity information obtained in step 100 to the payment card information obtained in step 104. To the card issuer, the card issuer confirms the association between the identity information and the payment card information, that is, confirms whether the payment card is owned by the person indicated by the identity information. If the authentication in step 106 is passed, then the mobile phone terminal number is associated with the payment card information, so that in subsequent processing, when the card issuer obtains the mobile phone terminal number, it can be associated with the payment card information to perform payment processing.

After the above step 102, it may also include a step in which the server sends authentication information to the mobile terminal through a short message to confirm the correctness of the mobile terminal number. And after step 106, that is, after the server authenticates the payment card information through the card issuer, the server may also send an association confirmation code to the mobile terminal through a short message, and the association confirmation code requires the terminal user to confirm whether to use the payment card information. Associate with the mobile phone terminal number, and perform the association operation after the user confirms the association, otherwise it will not be performed.

In practical applications, the terminal user of the mobile terminal can associate multiple payment cards with the same mobile terminal by repeatedly performing the above steps.

Fig. 2 is a schematic structural diagram of an association subsystem for associating a mobile terminal with payment card information of a terminal user of the mobile terminal. The association subsystem includes a first acquisition module 50 , a first storage module 52 , and an authentication and association module 54 . The first obtaining module 50 is used to obtain the terminal number of the mobile terminal to be associated and the identity information of the mobile terminal user, and obtain the payment card information of the terminal user. The first storage module 52 is used for storing the obtained terminal number and identity information. The authentication and association module 54 sends the obtained payment card information and identity information to the card issuer of the payment card and instructs it to authenticate the correlation between the payment card information and the identity information. After the authentication is passed, the authentication and association module 54 Associating the terminal number of the mobile terminal with the payment card information. Similar to the method shown in Figure 1, this system can be applied to the payment system server for payment services, such as the server of the UnionPay system.

The mobile terminal user can interact with the server (ie, the server) through the network through electronic devices such as the mobile terminal itself, a tablet computer, a notebook computer, and a desktop computer. In this case, the first acquisition module 50 receives the identity information and mobile phone terminal number sent by the mobile terminal user through the electronic device through the secure hypertext transfer protocol (HTTPS), and receives the payment card information of the payment card sent by the mobile terminal user . Here, the payment card is, for example, a bank debit card or credit card; if the payment card is a bank debit card, the payment card information sent to the server by the mobile terminal user includes the debit card number and the debit card transaction password. If the payment card is a credit card, the payment card information sent to the server includes the credit card number, the validity period of the credit card, the last three digits (CVV2) on the back of the credit card, and the credit card transaction password. The authentication and association module 54 can send an association confirmation code to the mobile terminal to require the terminal user to confirm whether to associate the payment card information with the mobile terminal number when the card issuer passes the authentication of the payment card information, and after the user confirms that the association is performed. Then carry out the associated operation, otherwise it will not be carried out.

As an alternative, in the example shown in FIG. 1 or FIG. 2, the above-mentioned communication between the mobile terminal and the server can also be achieved through a short message, that is, step 100 and step 104 in FIG. 1 can obtain the information of the short message sent by the mobile terminal through the server In FIG. 2 , the first acquisition module 50 can also interact with the mobile phone terminal through SMS to obtain the terminal number, identity information, and payment card information.

Fig. 3 is a schematic flowchart of a method for enabling a terminal payment device user to register to a payment system based on a mobile location service. As shown in the figure, in step 200, the terminal payment device user identifier, the terminal payment device device identifier, and the location information of the terminal payment device user are acquired. In step 202, the acquired identifier of the terminal device user, the device identifier of the terminal payment device, and the location information of the terminal payment device user are stored.

In the case that the payment system is the UnionPay system, the terminal payment device refers to a POS terminal or an MIS terminal. The user of the terminal payment device is also called a merchant, and correspondingly, the location information of the user of the terminal payment device is the location information of the merchant. For the sake of brevity, we refer to "End Device User" as "Merchant" hereinafter. In practical applications, each merchant will obtain a unique merchant ID when registering with the UnionPay system, each merchant will have one or more terminal payment devices, and each terminal payment device will also have a unique terminal payment device ID . As an example, in step 200, the acquisition of the merchant ID, the device ID of the terminal payment device, and the location information of the merchant can be carried out by the merchant through its own ID, the device IDs of one or more terminal payment devices and their location information, such as through the HTTPS protocol In this case, the server receives the transmitted merchant ID, the device ID of the terminal payment device, and the location information of the merchant. In step 202, the server saves the received merchant ID, the device ID of the terminal payment device, and the location information in its storage module. The storage modules can be the same component or different components.

Fig. 4 is a schematic structural diagram of a registration subsystem for a terminal payment device user to register to a service end based on a mobile location service, and the service end is a component of the payment system. As mentioned above, the system is also exemplarily set in the server of the UnionPay system. The system includes a second acquisition module 60 and a second storage module 62 . The second obtaining module 60 is used to obtain the user identification (i.e., merchant identification) of the terminal payment device user (i.e., merchant), the device identification of the terminal payment device, and the location information of the terminal payment device user (i.e., the location information of the merchant). ). The second storage module 62 is configured to store the acquired device identification of the terminal payment device and the location information of the user of the terminal payment device.

In a payment system such as the UnionPay system, the system described in Figure 2 and the system described in Figure 4 can be implemented in the same server or server integration of the payment system, in this case, the first acquisition module and the second acquisition module can be integrated together, and the first storage module and the second storage module can also be integrated together.

FIG. 5 is a flow diagram of a method for on-site payment based on a mobile location service by a mobile terminal. The premise of performing this method is that the mobile terminal has associated its terminal number with the payment card information of the terminal user of the mobile terminal, for example through the method shown in Figure 1 or the system shown in Figure 2; The object of the on-site payment by the mobile terminal, that is, the merchant has also registered to the mobile location service-based payment system server, such as the UnionPay system server, through the method shown in Figure 3 or the system shown in Figure 4 .

The following describes the process of the mobile terminal making on-site payment based on the mobile location service with reference to the example in FIG. 5 . Consistent with what was mentioned above, the example shown in FIG. 5 is also illustrated by using the mobile terminal to pay through the UnionPay system, and accordingly, the server is the server of the UnionPay system.

In step 300, obtain the location information of the mobile phone terminal through the mobile positioning service and send the location information to the server. For example, the mobile phone terminal can obtain its own location through the mobile positioning service provided on it. In step 302, according to the received location information of the mobile phone terminal, the server searches for merchants located near the location of the mobile terminal from the merchants registered in the UnionPay system, and sends the searched merchants near the location of the mobile terminal to the mobile terminal . As an example, the mobile phone terminal can display the merchant sent by the server to the terminal user. In step 303, the terminal user selects a merchant to conduct payment transactions from the merchants sent by the server; if the terminal user has multiple payment cards associated with the mobile phone terminal number on the server, the server can also send the payment to the terminal. The mobile terminal sends the last numbers of the multiple cards for the customer to choose the payment card for payment. In step 304, the terminal user can input transaction setting information through the mobile terminal, and select a payment card in the case of multiple cards, wherein the transaction setting information includes the maximum transaction amount value of this transaction and the transaction time limit. In step 306, the server that receives the maximum amount of this transaction, the transaction time limit, and the payment card information sent by the mobile phone terminal sends an authorization code to the mobile terminal. In step 307, the terminal payment device of the terminal user's payment object, that is, the terminal payment device of the merchant, sends the authorization code, payment amount, merchant ID, and terminal payment device ID to the server. In step 308, upon receiving the authorization code transmitted by the terminal payment device, the server checks whether the payment amount transmitted by the merchant's terminal payment device is within the maximum amount set by the mobile terminal user. If the transmitted payment amount exceeds the maximum amount set by the mobile terminal user, then send information that the payment amount exceeds the maximum amount set by the mobile terminal user to the merchant, as shown in step 309 . If the payment amount is within the maximum amount set by the mobile terminal user, it is further checked whether the current transaction time is within the transaction time limit set by the mobile terminal user, as shown in step 310 . If the current transaction time is within the transaction time limit set by the mobile terminal user, the server sends the mobile terminal number, payment amount, merchant ID, terminal payment device ID, and the payment card information stored in the server to the payment card issuer Party, by which it performs subsequent transaction processing, as shown in step 311; wherein, the payment card information includes at least the payment card number and the payment card transaction password, and in the case that the payment card is a credit card, the payment card information also includes CVV2 and payment card expiration date. Finally, in step 312, the server returns the transaction success information to the merchant's terminal payment device and sends a short message to the mobile terminal to inform the mobile terminal user of the transaction result.

Fig. 6 is a structural diagram of an exemplary system for performing on-site payment by a mobile phone terminal based on a mobile location service according to the present invention, and the system is set in a server for processing payment data. In this example, the system is set up on the server of the UnionPay system. As shown in the figure, the system includes an association subsystem 60 , a registration subsystem 61 , a receiving component 62 , a selection module 63 , and a sending component 65 . The associating subsystem 60 is used for associating the terminal number of the mobile terminal with the payment card information of the mobile terminal user of the mobile terminal. Its exemplary but non-limiting structure has been described above in conjunction with FIG. 2 and will not be repeated here. The registration subsystem 61 is used to pre-register the user of the terminal payment device into the system for making on-site payment. Its exemplary but non-limiting structure has been described above in conjunction with FIG. 4 , and will not be repeated here. The receiving component 62 may include a mobile terminal location information acquisition module 620 , a first receiving module 622 , and a second receiving module 624 ; the sending component 65 may include a first sending module 650 , a second sending module 652 and a third sending module 654 .

The module 620 for obtaining location information of the mobile phone terminal receives, for example, the location information of the mobile terminal sent by the mobile phone terminal and obtained through the mobile positioning service of the mobile phone terminal. The selection module 63 is based on the location information of the mobile terminal received by the mobile terminal location information acquisition module 620, and selects the terminal payment device users who are near the location of the mobile terminal from the terminal payment device users registered through the registration subsystem 61, that is, merchants. . The first sending module 650 then sends the selected merchant to the mobile terminal. For example, the mobile terminal can present the received merchants near its location to its terminal user, and the terminal user selects the merchant to perform the payment transaction from the merchants sent by the server. In addition, when the terminal user has multiple payment cards associated with the mobile phone terminal number, the first sending module 650 can output the last numbers of the multiple cards to the mobile terminal for the terminal user to select the payment card for payment. Card. The terminal user can input the transaction setting information through the mobile terminal and select the payment card in the case of multiple payment cards, and at the same time transmit this information to the system that the mobile terminal performs on-site payment based on the mobile positioning service. The transaction setting information includes this The maximum transaction amount value and transaction time limit of a transaction. The first receiving module 620 receives the merchant to be traded selected from the merchants near the location of the mobile terminal and the transaction setting information transmitted by the mobile terminal. The second sending module 652 sends the authorization code to the mobile terminal after the first receiving module 620 receives the transaction merchant and the transaction setting information. After obtaining the authorization code, the terminal user of the mobile terminal can inform the operator of the merchant of the authorization code, so that the operator can input the authorization code into the terminal payment device, and the merchant's terminal payment device will input the authorization code and the The transaction-related information of the payment amount, merchant identification, and terminal payment device identification is sent to the system where the mobile terminal performs on-site payment based on the mobile positioning service. The second receiving module 652 receives transaction-related information and authorization codes sent by the merchant's terminal payment device. After receiving the authorization code, the third sending module 624 sends the transaction-related information and the payment card information associated with the mobile phone terminal number to the payment card issuer for subsequent transaction processing. In addition, the system shown in FIG. 6 also includes processing components not shown in the figure, such as a processor of a server. After the second receiving module 652 receives the transaction-related information, the processing component checks whether the payment amount transmitted by the merchant's terminal payment device is within the maximum amount set by the mobile terminal user; Set the maximum amount, then send the information that the payment amount exceeds the maximum amount set by the mobile terminal user to the merchant by sending part 65, wherein, it can be carried out by any sending module in the sending part; if the payment amount is set in the mobile terminal user If the current transaction time is within the maximum amount set by the mobile terminal user, then further check whether the current transaction time is within the transaction time limit set by the mobile terminal user. If the current transaction time is within the transaction time limit set by the mobile terminal user, then as mentioned above, by The third sending module 654 sends the mobile phone terminal number, payment amount, merchant ID, terminal payment device ID, and the payment card information stored in the server to the payment card issuer for subsequent transaction processing.

Those skilled in the art can understand that the association subsystem, registration subsystem, and on-site payment system based on mobile location services shown in Figure 2, Figure 4, and Figure 6 can be implemented as software, hardware, firmware, or a combination of them and they can all be set in the service end of the server of the UnionPay system for example, so that the server communicates with the mobile phone, such as the merchant terminal payment device of the POS machine, so that the mobile terminal user can complete the payment operation at the payment site.

As mentioned above, according to the present invention, on-site payment based on mobile positioning service can be realized, and according to various examples of the present invention, in the whole process of on-site payment by mobile phone, the terminal user of the mobile phone and the merchant do not need to input payment card number, password and other information Thereby ensuring safety. According to the present invention, based on the mobile positioning service, on-site payment is carried out through the mobile phone. For the terminal user, as long as the user's mobile phone has the mobile positioning service function; The modification only needs to be registered to the server through the method or system described in the present invention.

Finally, it should be noted that the above specific embodiments are only used to illustrate the technical solution of the present invention rather than limit it. Although the present invention has been described in detail with reference to the above specific embodiments, it should be understood that those skilled in the art may modify the specific embodiments of the present invention or perform equivalent replacements for some technical features. Without departing from the spirit of the technical solution of the present invention, these equivalent replacements, modifications and transformations shall all be included in the scope of the technical solution claimed in the present invention.

Claims (14)

1. for carried out a method for on-site payment based on Location based service by mobile phone terminal, it is characterized in that, described method comprises:

In advance that the termination number of mobile phone terminal is associated with the payment card information of the Payment Card of the mobilephone terminal user of this mobile phone terminal;

In advance terminal payment devices user is registered to the service end based on Location based service;

By the Location based service of mobile phone terminal, obtain the positional information of this mobile phone terminal;

According to the positional information of this mobile phone terminal, by service end, from be registered to the terminal payment devices user of this service end, be chosen near the terminal payment devices user this mobile phone terminal position, and send selected terminal payment devices user to this mobile phone terminal;

From selected terminal payment devices user, select user to be transacted;

By described mobile phone terminal, send selected user to be transacted and transaction setting information to described service end, described transaction setting information comprises maximum dealing money, exchange hour restriction and the Payment Card for concluding the business;

After receiving selected user to be transacted and transaction setting information, service end sends authorization code to described mobile phone terminal;

By described terminal payment devices, described authorization code and transaction related information are sent to service end; And

When receiving described authorization code, described service end is about to described transaction related information and the payment card information associated with this mobile phone terminal number sends to the card issuer of Payment Card to carry out subsequent transaction processing.

2. the method for claim 1, is characterized in that, in advance associated the comprising of payment card information with the mobilephone terminal user of this mobile phone terminal by the termination number of mobile phone terminal:

Obtain and want the associated termination number of mobile phone terminal and the identity information of this mobilephone terminal user;

Termination number and identity information that storage is obtained;

Obtain the payment card information of the Payment Card of this mobilephone terminal user;

Payment card information based on obtained and identity information, the card issuer by this Payment Card authenticates the relevance of this payment card information and this identity information; And

After authentication is passed through, the termination number of described mobile phone terminal is carried out associated with described payment card information.

3. the method for claim 1, is characterized in that, the service end in advance terminal payment devices user being registered to based on Location based service comprises:

By service end, obtained described terminal payment devices user's user ID, the device identification of described terminal payment devices and this terminal payment devices user's positional information,

User ID, device identification and described positional information that this service end storage is obtained.

4. method as claimed in claim 2, it is characterized in that, described in to obtain the termination number of mobile phone terminal and this terminal user's the identity information of wanting associated be that terminal user wants associated termination number be transferred to service end and obtained by service end reception with this terminal user's identity information by Secure Hypertext Transfer Protocol by described.

5. method as claimed in claim 2, it is characterized in that, after termination number and identity information that described method is obtained in storage, to this mobilephone terminal user, be confirmed whether obtained termination number to be associated with identity information, and terminal user, confirm associated in the situation that associated mobile phone terminal number and the identity information obtaining.

6. method as claimed in claim 2, is characterized in that, described payment card information comprises Payment Card card number and payment card transaction password.

7. the method for claim 1, it is characterized in that, when sending selected user and transaction setting information to described service end via described mobile phone terminal, also send the part numerical information of Payment Card card number in the payment card information associated with described termination number to mobile phone terminal.

8. method as claimed in claim 7, is characterized in that, described transaction setting information comprises the restriction of maximum dealing money, exchange hour and the selected Payment Card that will conclude the business of part numeral of the Payment Card card number that provides according to service end.

9. the method for claim 1, is characterized in that, described transaction related information comprises device identification and the dealing money of described terminal payment devices.

10. for carried out a system for on-site payment based on Location based service by mobile phone terminal, described system is arranged on for carrying out the service end of payment data processing, it is characterized in that, described system comprises:

For the termination number of mobile phone terminal is carried out to associated associated subsystem with the payment card information of the mobilephone terminal user of this mobile phone terminal;

Be used for carrying out described in advance terminal payment devices user being registered to the registration subsystem of the system of on-site payment;

Mobile phone terminal position information acquisition module, it is for receiving the positional information of the described mobile phone terminal obtaining by the Location based service of mobile phone terminal;

Select module, it,, for the positional information according to described mobile phone terminal, selects near the terminal payment devices user this mobile phone terminal position from the terminal payment devices user who registers by described registration subsystem,

The first sending module, it sends near selected terminal payment devices user this mobile phone terminal position to described mobile phone terminal;

The first receiver module, user to be transacted and transaction setting information that it is selected near the user described mobile phone terminal position who receives described mobile phone terminal and transmit, described transaction setting information comprises maximum dealing money, exchange hour restriction and the Payment Card for concluding the business;

The second sending module, it sends authorization code for after receiving user to be transacted and transaction setting information at the first receiver module to described mobile phone terminal;

The second receiver module, transaction related information and authorization code that it sends for the terminal payment devices receiving by user to be transacted;

The 3rd sending module, it sends to the card issuer of Payment Card to carry out subsequent transaction processing described transaction related information and the payment card information associated with described mobile phone terminal number for when receiving described authorization code.

11.. system as claimed in claim 10, is characterized in that, described associated subsystem comprises:

For obtaining, want the associated termination number of mobile phone terminal and the identity information of this mobilephone terminal user, and obtain the first acquisition module of this terminal user's payment card information;

For first memory module of storing obtained termination number and identity information;

Authentication and relating module, its payment card information and identity information based on obtained, card issuer by this Payment Card authenticates the relevance of this payment card information and this identity information, and after authentication is passed through, the termination number of described mobile phone terminal is carried out associated with described payment card information.

12.. system as claimed in claim 11, it is characterized in that, thereby the associated termination number of wanting of transmitting by Secure Hypertext Transfer Protocol of described the first acquisition module receiving terminal user and this terminal user's identity information gets, want the associated termination number of mobile phone terminal and this terminal user's identity information.

13. systems as claimed in claim 11, it is characterized in that, described authentication associated module is after memory module has been stored the termination number and identity information obtaining, further to this terminal user, be confirmed whether obtained mobile phone terminal number to be associated with identity information, and terminal user, confirm associated in the situation that associated mobile phone terminal number and the identity information obtaining.

14. systems as claimed in claim 10, is characterized in that, described registration subsystem comprises:

For obtaining the second acquisition module of described terminal payment devices user's user ID, the device identification of described terminal payment devices and this terminal payment devices user's positional information, and

For storing the device identification of obtained terminal payment devices and the second memory module of described positional information.

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