CN106228362A - Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform - Google Patents
Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform Download PDFInfo
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- CN106228362A CN106228362A CN201610581946.0A CN201610581946A CN106228362A CN 106228362 A CN106228362 A CN 106228362A CN 201610581946 A CN201610581946 A CN 201610581946A CN 106228362 A CN106228362 A CN 106228362A
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- 230000009471 action Effects 0.000 title claims abstract description 73
- 238000012011 method of payment Methods 0.000 title claims abstract description 28
- 230000005540 biological transmission Effects 0.000 claims description 8
- 239000000463 material Substances 0.000 claims description 8
- 238000000034 method Methods 0.000 claims description 8
- 230000011664 signaling Effects 0.000 claims description 7
- 230000003287 optical effect Effects 0.000 claims description 3
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 2
- 239000010931 gold Substances 0.000 claims description 2
- 229910052737 gold Inorganic materials 0.000 claims description 2
- 230000000694 effects Effects 0.000 abstract description 7
- 230000005611 electricity Effects 0.000 description 5
- 230000008569 process Effects 0.000 description 5
- 230000005674 electromagnetic induction Effects 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 238000006073 displacement reaction Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 238000000465 moulding Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention relates to one action method of payment and action payment system, mainly capture the SIM identification data in consumer's portable electronic devices or IMEI code by the SIM application processor of a sales end, when consumer buys article and need to pay payment for goods or account transfer, the SIM application apparatus of sales end sends a transaction data to a transaction platform, and transaction data is sent to a telecommunications end according to SIM identification data, IMEI code or sales end numbering by transaction platform.Telecommunications end reads dealing money, and finds the customer account's remaining sum with consumer, compares the size of dealing money and customer account's remaining sum to decide whether to allow this trading activity to complete.The present invention may be not only suitable for consumer's handhold functional type mobile phone, it is possible to is readily accomplished action means of payment person in the occasion that mobile phone signals reception is bad.
Description
Technical field
The invention relates to one action method of payment and action payment system, can be by the portable electronic of consumer
Device, sales end processing unit and transaction platform, can complete a business transaction actor.
Background technology
Action pay (Mobile Payment) due to possess have need not to make in cash, the credit card or the situation of fiscard
Under, the transaction of a commercial activity can be completed via the running gear of consumer, transfer accounts or payment behavior, can effectively reduce and carry
Trouble that cash, the credit card or fiscard are gone out and transaction risk.Therefore, action payment behavior is recently the most extensively by consumer and sell
The favor of business, its business application mode is the most various.
In the multiple action means of payment used now, consumer or payer must be closed in device in action and be coupled to its institute
The credit card having or bank account, and pay (such as Apple pay, google pay ...) according to this, or pass through telecommunications
Charging system carrys out credit paying.And telecom payment system be a kind of be base by telecommunications news in brief or particular traffic payment system
The payment transaction behavior of plinth, as it is shown in figure 1, it is mainly actively dialed one by consumer's mobile phone 11 leads to particular traffic payment or letter
News 115 give sales end mobile phone 13 or telecommunications end 15, and notify that telecommunications end 15 to carry out transferring accounts or payment services, and sales end mobile phone
By news in brief 135 content received and/or password, and payment for goods or cash can be got to telecommunications end 15 or agent 17 for 13.By
It is not required to use the intelligent hands of high-order in this by the action means of payment based on news in brief or particular traffic payment
Machine (Smart Phone), also need not contact various fiscard or the credit card, the most extensively by the not yet universal use of bank or fiscard
Country like.
Only, in the above-mentioned action means of payment, consumer must have the credit card or bank account in advance, and pass is coupled to its row
Dynamic device, or use fee telecommunication operator Collection and Payment On Behalf mode costly.It addition, the above-mentioned action means of payment is because wanting
Dial and receive news in brief or particular traffic, if wireless telecommunications reception is bad, the most just cannot complete this trading activity.Therefore, nothing
Opinion is from the viewpoint of ease of use, the fee or wireless telecommunications reception situation, and its action means of payment still there are
Improve space.
Summary of the invention
Use for the existing action means of payment limits, and present invention is primarily aimed at offer one action method of payment
And action payment system, applicable intelligent mobile phone (Smart Phone), feature phone (Feature Phone) and/or
The area that wireless telecommunications reception is unstable, consumption end all can accurately use customer account's remaining sum to complete the business such as account transfer or payment
Trading activity person.
Another object of the present invention, is that providing a kind of supports take action method of payment and the transaction platform of system, by it
Accounting checking unit, not only can provide the statistics that sales end one is complete please lead payment for goods to facilitate, can assess receipt and payment with telecommunications end again
The Transaction Informations such as the amount of money, to reduce the probability of the errors of account.
Another object of the present invention, is by emendation mechanism to collect consumption-related information (amount of money, time, place, consumption
Person provides), and accordingly to provide relevant dealer analyze further and use.
To this end, to achieve these objectives, the present invention provides one action method of payment, comprises the following steps: build a SIM
Application processor is in a shop end processing unit of a shop end, and shop end processing unit is provided with a shop end numbering；SIM
Card application processor obtains the SIM identification data in an outside portable electronic devices or a device identification data data,
And shop end numbering, a dealing money, SIM identification data or device identification data conformity are become a transaction data；One electricity
One telecommunications end processing unit of letter end reads transaction data, and finds out and SIM identification data or device knowledge according to transaction data
Customer account's remaining sum that other data is corresponding；Telecommunications end processing unit compares customer account's remaining sum and dealing money, as
Really customer account's remaining sum is more than or equal to dealing money, then produce a transaction approval data, and revise customer account's remaining sum；
And by transaction approval data notice shop end processing unit.
Also, to achieve these objectives, the present invention provides one action payment system, including: at least one shop end, each shop
End is provided with a shop end processing unit, and is provided with a SIM application processor and a shop end numbering in the end processing unit of shop,
SIM application processor can receive the SIM identification data in a portable electronic devices, device identification data or an a combination thereof
One of them of formula, and SIM application processor can input a dealing money, and by SIM identification data, device identification data
Or a combination thereof formula one of them, dealing money and shop end numbering be integrated into a transaction data；And at least one telecommunications end, each
Telecommunications end is provided with a telecommunications end processing unit, connects shop end processing unit, can receive the transaction transmitted by SIM application processor
Data, telecommunications end processing unit is provided with at least one customer account's remaining sum, compares customer account's remaining sum and dealing money, and mat
This is to obtain a transaction approval data or a Fail Transaction data, and revises customer account's remaining sum when transaction approval data.
Also, to achieve these objectives, the present invention provides a kind of telecommunications end processing unit, include a telecommunications end server, one
Office exchange and an account system, office exchange connects individually telecommunications end server and account system, and in account system
Storage has at least one customer account's remaining sum, and intra-office switch then stores at least one consumer's caller identification code, and telecommunications end takes
Business device connects shop end or a transaction platform.
Also, to achieve these objectives, the present invention provides a kind of shop end processing unit, includes a SIM application processor
And a shop end numbering, SIM application processor can receive the SIM identification data in a portable electronic devices, a dress
Put one of them of identification data or a combination thereof formula, and SIM application processor can input a dealing money, and by SIM
Identification data, device identification data or a combination thereof formula one of them, dealing money and shop end numbering be integrated into a transaction
Data.
Also, to achieve these objectives, the present invention provides a kind of transaction platform, is located between shop end and telecommunications end, can receive
Transaction data, and according to SIM identification data, device identification data or the shop end numbering of transaction data, transaction data is passed
Deliver to the telecommunications end processing unit of telecommunications end.
In the action method of payment of one embodiment of the invention, further comprising the steps of: shop end processing unit will transaction
Data is first sent to a transaction platform, a transaction processor of transaction platform according to SIM identification data, device identification data or
Shop end numbering is sent to telecommunications end processing unit to control transaction data.
In the action method of payment of one embodiment of the invention, wherein transaction platform connects multiple telecommunications end processing units,
Transaction processor is numbered according to the SIM data obtained, device identification data or shop end will be by transaction data transmission with decision
One of which to telecommunications end processing unit.
In the action method of payment of one embodiment of the invention, further comprising the steps of: to be provided with a check sheet unit, connect and hand over
Easily platform, to store shop end numbering, dealing money, SIM identification data, device identification data, transaction approval data, a friendship
Easily one of them of product item data or a combination thereof formula, and be integrated into a transaction and complete data；Transaction platform provides transaction to complete
Data is to shop end；And shop end passes through shop end numbering, transaction approval data, data of having concluded the business or a combination thereof formula wherein
One of and exchange dealing money for telecommunications end.
In the action method of payment of one embodiment of the invention, further comprising the steps of: portable electronic devices is via one
Call, one transmit news in brief, one transmit network authentication signaling, one plug SIM to a SIM reader, produce an optical read
Take signal, produce one specific acoustic wave instruction, produce a consumer applications processor near field sensing (such as electromagnetic mode), one entity electricity
Road links or a transaction identification code is by SIM identification data or device identification data and shop end processing unit data exchange.
In the action method of payment of one embodiment of the invention, wherein portable electronic devices can be an intelligent mobile phone,
One personal digital assistant device or a feature phone, shop end processing unit is then built into an intelligent mobile phone, a number
Position aid, a panel computer or a computer system.
In the action method of payment of one embodiment of the invention, wherein check sheet unit connects an account of telecommunications end processing unit
Business unit, account unit can store transaction data, and the transaction of unit of checking account complete data can be with the transaction data of account unit
It is compared to each other to check shop end numbering, dealing money, SIM identification data or the correctness of device identification data.
In the action method of payment of one embodiment of the invention, further comprising the steps of: compare customer account's remaining sum with
Dealing money, if customer account's remaining sum is less than dealing money, then produces a Fail Transaction data；And telecommunications end processing unit
By Fail Transaction data notice shop end processing unit.
In the action method of payment of one embodiment of the invention, further comprising the steps of: telecommunications end processing unit will transaction
Data and transaction approval data transmission to a cash requirement unit, shop end or at least one payment retail sales are numbered by shop end, transaction
Data or a combination thereof formula one of them and to cash requirement unit inquiry one transaction statistics, and shop end can be compiled by shop end
Number, transaction data, transaction statistics or a combination thereof formula one of them and exchange dealing money for payment retail sales or telecommunications end.
In the action method of payment of one embodiment of the invention, further comprising the steps of: telecommunications end processing unit reads to be handed over
Easily data, and find out a consumer incoming call display corresponding with SIM identification data or device identification data according to transaction data
Show code；And telecommunications end processing unit fills to portable electronic to call or to transmit a note according to consumer's caller identification code
Put, and notify one of them of shop end numbering, dealing money, customer account's remaining sum or a combination thereof formula.
In the action payment system of one embodiment of the invention, including a transaction platform, be located at shop end and telecommunications end it
Between, transaction platform can receive transaction data, and according to SIM identification data, device identification data or the shop end of transaction data
Number and transaction data is sent to the telecommunications end processing unit of telecommunications end.
In the action payment system of one embodiment of the invention, wherein transaction platform connects a check sheet unit, unit of checking account
SIM identification data, shop end numbering, dealing money, transaction approval data, intensive good item data or a combination thereof formula can be stored
One of them, complete data being integrated into a transaction.
In the action payment system of one embodiment of the invention, wherein portable electronic devices via one calling, one
Transmission news in brief, a transmission network and authenticate signaling, a plug SIM optically reads signal, product to a SIM reader, generation one
A raw specific acoustic wave instructs, produces the near field sensing of a consumer applications processor, an entity circuit links or a transaction identification code
By SIM identification data or device identification data and shop end processing unit data exchange.
In the action payment system of one embodiment of the invention, wherein portable electronic devices can be an intelligent mobile phone,
One personal digital assistant device or a feature phone, shop end processing unit is then built into an intelligent mobile phone, a number
Position aid, a panel computer or a computer system.
In the action payment system of one embodiment of the invention, wherein telecommunications end processing unit connects a cash requirement unit, please
Can store in money unit and have a transaction statistics, and cash requirement unit connects individually payment retail sales and a shop end.
In the action payment system of one embodiment of the invention, wherein in telecommunications end processing unit, include telecommunications end clothes
Business device, an office exchange and an account system, office exchange connects individually telecommunications end server and account system, and account
Installed System Memory storage has at least one customer account's remaining sum, and intra-office switch then stores at least one consumer's caller identification code, electricity
Letter end server connects shop end or a transaction platform.
In the telecommunications end processing unit of one embodiment of the invention, wherein account system connects individually a cash requirement unit,
Can store in cash requirement unit and have a transaction statistics, and cash requirement unit connects individually payment retail sales and a shop end.
In the transaction platform of one embodiment of the invention, wherein transaction platform connects a check sheet unit, to store shop end
Numbering, dealing money, SIM identification data, device identification data, transaction approval data, intensive good item data or an a combination thereof
One of them of formula, and be integrated into a transaction and complete data.
In the transaction platform of one embodiment of the invention, wherein sales end is a mobile sale end or delivery collector.
Accompanying drawing explanation
Fig. 1 is the organigram of the action payment system of prior art.
Fig. 2 is the organigram of the action payment system of one embodiment of the invention.
Fig. 3 is the schematic flow sheet of an embodiment as shown in Figure 2.
Fig. 4 is the organigram of the action payment system of a preferred embodiment of the present invention.
Fig. 5 is the organigram of the action payment system of further embodiment of this invention.
Fig. 6 is the organigram of the action payment system of further embodiment of this invention.
Although describing the detailed description of the invention of the present invention the most in the drawings, and in this article it is made
Detailed description, but the present invention also allows for various amendment and alternative forms.The graphic content of the present invention can be not geometric ratio
Example, graphic and detailed describes the exposure being only specific moulding, is not the restriction of the present invention, contrary, according to the present invention
The scope of the claims spirit and scope in, modify, impartial component and displacement thereof, be all the scope that the present invention is contained.
Primary clustering symbol description:
11 consumer's mobile phone 3755 IMSI codes
115 news in brief 395 IMEI codes
13 sales end mobile phone 40 transaction platforms
135 news in brief 41 transaction processors
15 telecommunications ends 43 are checked account unit
17 agents 47 have concluded the business data
20 sales end 50 telecommunications ends
21 sales end processing unit 51 telecommunications end processing units
23 SIM reader 53 telecommunications end servers
25 SIM application processor 55 intra-office switches
27 sales end numbering 57 account systems
29 transaction data 555 consumer caller identification codes
295 dealing money 573 account unit
297 intensive good item data 575 customer account's remaining sums
30 consumer 577 transaction approval data
31 portable electronic devices 579 Fail Transaction data
35 consumer's application processor 60 cash requirement units
37 SIMs 61 are concluded the business statistics
375 SIM identification data 65 pay retail sales
3751 ICCID code 70 mobile sale ends.
Detailed description of the invention
First, refer to Fig. 2, be the organigram of the action payment system for one embodiment of the invention.As it can be seen,
Present invention payment system of taking action mainly includes one or more sales end 20 and one or more telecommunications end 50, and each is sold
It is provided with a sales end processing unit 21 in end 20, and in sales end processing unit 21, is provided with sales end numbering 27 and a SIM
Application processor 25.Telecommunications end 50 is provided with a telecommunications end processing unit 51, connects sales end in a wired or wireless fashion and processes single
Unit 21, and in telecommunications end processing unit 51, it is provided with an account system 57, in account system 57, then storage has at least one consumer's account
Family remaining sum 575.
In an embodiment of the present invention, sales end processing unit 21 can be an intelligent mobile phone (Smart Phone), one
People's numerical digit aid (PDA), a panel computer and/or a computer system.SIM application processor 25 is then for can be built into pin
Sell the application program in end processing unit 21, action application program (Mobile Application) or a software and hardware whole
Conjunction equipment.
Sales end processing unit 21 of the present invention and SIM application processor 25 can receive and read a portable electronic devices
One SIM identification data 375 and/or a device identification data (IMEI code) 395 of 31.The portable electricity that consumer 30 is held
It is provided with a SIM 37 in sub-device 31, can store in SIM 37 and have an integrated circuit card identification code (ICCID code) and a world
Mobile users identification code (IMSI code), and the SIM identification data 375 being read i.e. includes ICCID code and/or IMSI code.
It addition, please refer to Fig. 3, it it is the schematic flow sheet of method of payment of taking action for the present invention.If sales end 20 is wanted
When participating in this action payment system, it is necessary to first build a SIM application processor 25 in a sales end processing unit 21 and set
There is a sales end numbering 27, such as step S301.
Step S302, when a consumer 30 is intended to carry out a commodity transaction or account transfer with a sales end 20, consumer 30 can
To take out and to open its portable electronic devices 31, such as but be not limited to a feature phone (Feature Phone), an intelligence
Energy type mobile phone or a personal digital assistant device, and the SIM identification data 375 of portable electronic devices 31 and/or device identification
Data (IMEI code) 395 will be read by the SIM application processor 25 of sales end 20.And SIM application processor 25 will again
SIM identification data 375, device identification data (IMEI code) 395 or a combination thereof formula obtained one of them, sales end compile
Numbers 27 and one the dealing money 295 of input be integrated into a transaction data 29.
Step S303, the SIM application processor 25 of sales end 20 will connect a telecommunications end 50 in a wired or wireless fashion
Telecommunications end processing unit 51, and transaction data 29 is sent to telecommunications end processing unit 51.Set in telecommunications end processing unit 51
There is an account system 57, in account system 57, be provided with one or more customer account's remaining sum 575.Telecommunications end processing unit 51 will
According to the SIM identification data 375 in transaction data 29 and/or device identification data (IMEI code) 395 at account system 57
Find out the customer account remaining sum 575 corresponding with SIM identification data 375 or device identification data (IMEI code) 395.
Step S304, compares the size of the dealing money 295 in transaction data 29 and customer account's remaining sum 575, if
The numeral of customer account's remaining sum 575 is more than or equal to dealing money 295, represents that consumer 30 can pass through its corresponding consumption
Person's account balance 575 carrys out payment transaction expense, can produce a transaction approval data 577, then can continue and carry out step S305.Instead
It, if the numeral of customer account's remaining sum 575 is less than dealing money 295, then it represents that consumer 30 also cannot be relative by it
The customer account's remaining sum 575 answered carrys out payment transaction expense, then terminate this trading activity.Therefore, telecommunications end processing unit 51 can
By the numerical values recited of customer account's remaining sum 575 with dealing money 295, to judge whether to produce transaction approval data 577.
Step S305, represents that consumer 30 exists customer account's remaining sum 575 of telecommunications end 50 above or equal to transaction
The amount of money 295, telecommunications end processing unit 51 is in addition to producing transaction approval data 577, and will revise customer account's remaining sum 575,
The mainly remaining sum data after deduction dealing money 295.
Step S306, telecommunications end processing unit 51 will notify by wireless or cable sales end processing unit 21 and/or
SIM application processor 25, to notify sales end (businessman) 20, consumer 30 can be propped up by its customer account's remaining sum 575
Pay dealing money 295, and this transaction amount of money 295 is deducted by telecommunications end 50, can feel at ease commodity or service etc.
Object of Transaction is submitted to consumer 30.And terminate this trading activity.
Owing to the SIM application processor 25 of sales end 20 of the present invention is mainly to read and to obtain the SIM of consumer 30
Card identifying information 375 and/or IMEI code 395, so the portable electronic devices 31 of consumer 30 must be not necessarily intelligent
Mobile phone, feature phone or the personal digital assistant device of lower-order are the most applicable.
In an embodiment of the present invention, the portable electronic devices 31 of consumer 30 can be mainly but not limit is via one
Call, one transmit news in brief, one transmit network authentication signaling, one plug SIM to a SIM reader 23, produce a light
Learn reading signal, produce one specific acoustic wave instruction, produce a consumer applications processor 35 near field sensing (such as but be not limited to one
Electromagnetic induction), one entity circuit link or a transaction identification code SIM identification data 375 and/or IMEI code 395 is transmitted
To the SIM application processor 25 of sales end processing unit 21.Due to, the portable electronic devices 31 of consumer 30 is dialing electricity
Words, transmission news in brief or transmission network when authenticating signaling, its SIM identification data 375 of SIM application processor 25 i.e. fechtable
And/or IMEI code 395, provide without the SIM identification that just can learn consumer 30 after really getting through or transmitting news in brief
Material 375 and/or IMEI codes 395, therefore, are useful in the bad or basic place without mobile phone signals of mobile phone signals reception very much.
Furthermore, refer to Fig. 4, be the organigram of the action payment system for a preferred embodiment of the present invention.With front
State Fig. 3 not exist together and be i.e. cross at one or more sales ends 20 and one or be provided with a transaction platform between multiple telecommunications end 50
40, it is provided with a transaction processor 41 in transaction platform 40.Transaction platform 40 can receive and is transmitted through with wired or wireless by sales end 20
Come transaction data 29, transaction platform 40 further according to the SIM identification data 375 in transaction data 29, IMEI code 395 and/or
Sales end numbering 27, to determine that the telecommunications end which corresponding telecommunications end 50 transaction data 29 to be sent to processes backward
Unit 51.
Transaction platform 40 the most also can connect a check sheet unit 43, and it is complete that accounting checking unit 43 can store a transaction
One-tenth data 47, includes SIM identification data 375, IMEI code 395, sales end numbering 27, trade gold in data of having concluded the business 47
Volume 295, transaction approval data 577, intensive good item data 297 or the one of which of a combination thereof formula.Wherein, intensive good item money
Material 297 refers to the kinds of goods content material of a Successful Transaction behavior, is can individually to be transmitted or together with transaction data 29 by sales end 30
And send transaction processor 41 to, and it is integrated into after transaction completes data 47 via transaction processor 41, then deliver to check sheet
Stored in unit 43.
Transaction platform 40 of the present invention has a check sheet unit 43 owing to connecting, and internal storage has each pen through transaction platform 40
Transaction record and/or transaction complete data 47, transaction account content, accounting checking can be checked with the account unit 573 of telecommunications end 50
The transaction of unit 43 complete data 47 can with the transaction data 29 of account unit 573 be compared to each other to check sales end numbering 27,
Dealing money 295, SIM identification data 375 or the correctness of device identification data 395, and thereby reduce the probability of the errors of account.When
So, if sales end 20 there is a need to, transaction platform 40 may be provided for sales end 20 and sells the payment for goods etc. of commodity and concluded the business money
Material 47, thereby to reduce the financial statistics time of sales end 20, it is also possible to provide multiple big data information statistical result to sale
End 20 or telecommunications end 50 are with reference to use.
In still another embodiment of the process, the telecommunications end processing unit 51 of telecommunications end 50 can also be in customer account's remaining sum
When the numeral of 575 is less than dealing money 295, produces a Fail Transaction data 579, and send transaction platform 40 to and/or sell
End 20, to inform that sales end 20 transaction is withholdd unsuccessfully, reminds sales end 20 can not give consumer 30 by kinds of goods or service.
Refer to Fig. 5, be the organigram of the action payment system for further embodiment of this invention, in this embodiment
In, it is provided with telecommunications end server 53, intra-office switch 55 and an account system in the telecommunications end processing unit 51 of telecommunications end 50
57, wherein telecommunications end server 53 can connect intra-office switch 55, account system 57 and transaction platform 40 or sales end 20 respectively.
Telecommunications end server 53 can process transaction data 29, produce transaction approval data 577 or Fail Transaction data 579, and can basis
SIM identification data 375 and/or IMEI code 395 in transaction data 29 is to find out corresponding disappearing in intra-office switch 55
The person's of expense caller identification code 555.The telecommunications end server 53 of telecommunications end processing unit 51 then can be according to consumer's caller identification code 555
To call or to transmit a note (news in brief) to portable electronic devices 31, and notify sales end numbering 27, dealing money
295, one of them of customer account's remaining sum 575 or a combination thereof formula.
In still another embodiment of the process, the telecommunications end processing unit 51 of telecommunications end 50 still can connect a cash requirement unit
60, cash requirement unit 60 can receive and store transaction data 29 and the transaction approval data 577 carrying out comfortable telecommunications end processing unit 51.
Sales end 20 can inquire about a transaction statistics 61 by sales end numbering 27 and/or transaction data 29 to cash requirement unit 60,
Transaction statistics 61 mainly sorting-out in statistics goes out sales end 30 and peddles within certain period and can get and be temporarily placed in telecommunications
The merchandise charge of end 50.Sales end 30 can pass through sales end numbering 27, transaction data 29, transaction approval data 577, conclude the business
Data 47 and/or transaction statistics 61 and exchange dealing money 295 for telecommunications end 50.
In further embodiment of this invention, cash requirement unit 60 still can connect one or more payment retail sales 65, pays retail sales
65 can be agent or the dealer of telecommunications end 50, can pass through sales end numbering 27, transaction data 29, transaction approval data 577,
And/or transaction statistics 61 and to cash requirement unit 60 inquiry payment for goods data.Sales end 30 can pass through sales end numbering 27, transaction
Data 29, transaction approval data 577, data of having concluded the business 47 and/or transaction statistics 61 and to telecommunications end 50 or payment door
City 65 exchanges dealing money 295 for, by payment retail sales 65 with reduce sales end 20 exchange the time needed for payment for goods for.
Finally, referring to Fig. 6, be the organigram for further embodiment of this invention, it is mainly aforesaid sale
End 20 also can be to be a moveable mobile sale end 70, such as but be not limited to a delivery cashier or an express delivery dealer.Disappear
The person of expense 30 also can the free choice of goods by TV shopping or shopping at network, and consumer 30 select to cash on delivery mode time, mobile
As long as sales end 70 has worn sales end processing unit 21, such as an intelligent mobile phone, it is provided with SIM application processor 25 and pin
Sell end numbering 27, equally can be by consumer's portable electronic devices 31 via calling, transmit news in brief, transmitting the authentication that networks
Signaling, plug SIM, optical reading signal, specific acoustic wave instruction, near field sensing (such as electromagnetic induction), an entity circuit are even
Knot or a transaction identification code send SIM identification data 375 and/or IMEI code 395 SIM of sales end processing unit 21 to
Card application processor 25, can complete a trading activity the most equally.
In further embodiment of this invention, its transaction platform 40 also may be provided in person in telecommunications end 50, telecommunications end 50 do one complete
Whole integrity service, but transaction platform 40 and accounting checking unit 43 are located in telecommunications end 50, and the relatively shortcoming one just third party exists
Trust sense during accounting checking.
Described in this description perhaps, must and wording the restriction of non-invention such as change.Description is used
Technical term, mainly in order to carry out the description of specific embodiment, is not the restriction of the present invention.The odd number amount that description is used
Word (as one and this) also can be multiple, unless the content in description expressly states otherwise.Such as mentioned by description
One device can include the combination of two or more device, and the material that description is carried then can include multiple
The mixing of material.
As described above, only presently preferred embodiments of the present invention, not it is used for limiting the scope that the present invention implements, i.e.
All impartial changes done according to the shape described in the claims in the present invention, structure, feature and spirit and modification, all should be included in this
In the claim of invention.
Claims (23)
1. an action method of payment, it is characterised in that described action method of payment comprises the following steps:
Build a SIM application processor in a sales end processing unit of a sales end or a mobile sale end, and described
Sales end processing unit is provided with a sales end numbering；
Described SIM application processor obtains the SIM identification data in a portable electronic devices or device identification money
Material, and by one of them of described SIM identification data, described device identification data or a combination thereof formula, described sales end numbering
And one dealing money be integrated into a transaction data；
One telecommunications end processing unit of one telecommunications end reads described transaction data, and finds out with described according to described transaction data
SIM identification data or the corresponding customer account's remaining sum of described device identification data；
Described telecommunications end processing unit more described customer account remaining sum and described dealing money, if described customer account
Remaining sum is more than or equal to described dealing money, then produce a transaction approval data, and revise described customer account's remaining sum；And
Described transaction approval data is notified described sales end processing unit.
Action method of payment the most according to claim 1, it is characterised in that further comprising the steps of:
Described transaction data is first sent to a transaction platform by described sales end processing unit, at a transaction of described transaction platform
Reason device is numbered according to described SIM identification data, described device identification data or described sales end to control described transaction data
It is sent to described telecommunications end processing unit.
Action method of payment the most according to claim 2, it is characterised in that described transaction platform connects at multiple telecommunications ends
Reason unit, described transaction processor is numbered according to the described SIM data obtained, described device identification data or described sales end
To determine to be sent to by described transaction data the one of which of described telecommunications end processing unit.
Action method of payment the most according to claim 2, it is characterised in that further comprising the steps of:
It is provided with a check sheet unit, connects described transaction platform, to store described sales end numbering, described dealing money, described SIM
Card identifying information, described device identification data, described transaction approval data, an intensive good item data or a combination thereof formula wherein it
One, and be integrated into a transaction and complete data；
Described transaction platform provides described transaction to complete data to described sales end；And
Described sales end is numbered by described sales end, described transaction approval data, described transaction complete data or a combination thereof formula
One of them and exchange described dealing money for described telecommunications end.
Action method of payment the most according to claim 1 and 2, it is characterised in that further comprising the steps of:
Described portable electronic devices via one calling, one transmit news in brief, one transmit the authentication signaling that networks, a plug SIM
Block to a SIM reader, produce one optically read signal, produce one specific acoustic wave instruction, produce a consumer applications processor
Near field sensing, an entity circuit links or described SIM identification data or described device identification are provided by a transaction identification code
Material sends described sales end processing unit to.
Action method of payment the most according to claim 1, it is characterised in that described portable electronic devices is one intelligent
Mobile phone, a personal digital assistant device or a feature phone, described sales end processing unit be then built into an intelligent mobile phone,
One personal digital assistant device, a panel computer or a computer system.
Action method of payment the most according to claim 4, it is characterised in that described check sheet unit connects at described telecommunications end
One account unit of reason unit, described account unit stores described transaction data, and the described transaction of described accounting checking unit completes
Data is compared to each other to check described sales end numbering, described dealing money, institute with the described transaction data of described account unit
State SIM identification data or the correctness of described device identification data.
Action method of payment the most according to claim 1, it is characterised in that further comprising the steps of:
Relatively described customer account's remaining sum and described dealing money, if described customer account's remaining sum is less than described trade gold
Volume, then produce a Fail Transaction data；And
Described Fail Transaction data is notified described sales end processing unit by described telecommunications end processing unit.
Action method of payment the most according to claim 1, it is characterised in that further comprising the steps of:
Described telecommunications end processing unit by described transaction data and described transaction approval data transmission to a cash requirement unit, described pin
Sell end or at least one payment retail sales is numbered by described sales end, described transaction data or a combination thereof formula one of them and to institute
State cash requirement unit inquiry one transaction statistics, and described sales end is by described sales end numbering, described transaction data, described
Transaction statistics or a combination thereof formula one of them and exchange described dealing money for described payment retail sales or described telecommunications end.
Action method of payment the most according to claim 1, it is characterised in that further comprising the steps of:
Described telecommunications end processing unit reads described transaction data, and finds out and described SIM identification according to described transaction data
Data or the corresponding consumer's caller identification code of described device identification data；And
Described telecommunications end processing unit according to described consumer caller identification code with call or transmit a note to the most described can
Portable electronic apparatus, and notify described sales end numbering, described dealing money, described customer account's remaining sum or a combination thereof formula
One of them.
11. 1 kinds of action payment systems, it is characterised in that described action payment system includes:
At least one sales end, each described sales end is provided with a sales end processing unit, and sets in described sales end processing unit
Having a SIM application processor and sales end numbering, described SIM application processor receives in a portable electronic devices
One of them of one SIM identification data, a device identification data or a combination thereof formula, and the input of described SIM application processor
One dealing money, and by described SIM identification data, described device identification data or a combination thereof formula one of them, described
Dealing money and described sales end numbering are integrated into a transaction data；And
At least one telecommunications end, each described telecommunications end is provided with a telecommunications end processing unit, connects described sales end processing unit, connect
Receiving the described transaction data transmitted by described SIM application processor, described telecommunications end processing unit is provided with at least one consumer
Account balance, relatively described customer account's remaining sum and described dealing money, and thereby to obtain a transaction approval data or
Fail Transaction data, and described customer account's remaining sum is revised when described transaction approval data.
12. action payment systems according to claim 11, it is characterised in that also include:
One transaction platform, is located between described sales end and described telecommunications end, and described transaction platform receives described transaction data, and
According to the described SIM identification data of described transaction data, described device identification data or described sales end numbering by described
Transaction data is sent to the telecommunications end processing unit of described telecommunications end.
13. action payment systems according to claim 12, it is characterised in that described transaction platform connects a check sheet
Unit, described accounting checking unit storage one concluded the business data, and described transaction completes data and includes described SIM identification data, institute
State device identification data, described sales end numbering, described dealing money, described transaction approval data, an intensive good item data or
The one of which of a combination thereof formula.
14. action payment systems according to claim 11, it is characterised in that described portable electronic devices is via one group
Make a phone call, one transmit news in brief, one transmit network authentication signaling, one plug SIM to a SIM reader, produce an optical read
Take signal, produce one specific acoustic wave instruction, produce a consumer applications processor near field sensing, one entity circuit link or a friendship
Described SIM identification data or described device identification data transmission are given described sales end processing unit by code easy to identify.
15. action payment systems according to claim 11, it is characterised in that described portable electronic devices is an intelligence
Type mobile phone, a personal digital assistant device or a feature phone, described sales end processing unit is then built into an intelligent hands
Machine, a personal digital assistant device, a panel computer or a computer system.
16. action payment systems according to claim 11, it is characterised in that described telecommunications end processing unit connects one please
Money unit, in described cash requirement unit, storage has a transaction statistics, and described cash requirement unit connects individually a payment retail sales
And described sales end.
17. action payment systems according to claim 11, it is characterised in that include in described telecommunications end processing unit
One telecommunications end server, an office exchange and an account system, described telecommunications end server connects individually the exchange of described office
Machine and described account system, and in described account system, storage has at least one customer account's remaining sum, described intra-office switch is then
Storage has at least one consumer's caller identification code, and described telecommunications end server connects described sales end or a transaction platform.
18. action payment systems according to claim 11, it is characterised in that described sales end is a mobile sale end.
The telecommunications end processing unit of 19. 1 kinds of methods of payment that can perform to take action as claimed in claim 1, it is characterised in that described
Telecommunications end processing unit includes a telecommunications end server, an office exchange and an account system, described telecommunications end server
Indivedual described office exchange and described account systems of connecting, and in described account system there be more than at least one customer account storage
Volume, described intra-office switch then stores at least one consumer's caller identification code, and described telecommunications end server connects described sale
End or a transaction platform.
20. telecommunications end processing units according to claim 19, it is characterised in that described account system connects individually one
Cash requirement unit, in described cash requirement unit, storage has a transaction statistics, and described cash requirement unit connects individually a payment door
City and described sales end.
The sales end processing unit of 21. 1 kinds of methods of payment that can perform to take action as claimed in claim 1, it is characterised in that described
Sales end processing unit includes a SIM application processor and sales end numbering, and described SIM application processor receives one
One of them of a SIM identification data, a device identification data or a combination thereof formula in portable electronic devices, and described
SIM application processor inputs a dealing money, and by described SIM identification data, described device identification data or its group
Box-like one of them, described dealing money and described sales end numbering are integrated into a transaction data.
The transaction platform of 22. 1 kinds of methods of payment that can perform to take action as claimed in claim 2, it is characterised in that described transaction is put down
Platform is located between described sales end and described telecommunications end or between described mobile sale end and described telecommunications end, receives described friendship
Easily data, and number according to the described SIM identification data of described transaction data, described device identification data or described sales end
And described transaction data is sent to the described telecommunications end processing unit of described telecommunications end.
23. transaction platforms according to claim 22, it is characterised in that described transaction platform connects a check sheet unit, with
Store described sales end numbering, described dealing money, described SIM identification data, described device identification data, described transaction perhaps
Can data, an intensive good item data or a combination thereof formula one of them, and be integrated into a transaction and complete data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610581946.0A CN106228362A (en) | 2016-07-22 | 2016-07-22 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610581946.0A CN106228362A (en) | 2016-07-22 | 2016-07-22 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
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| Publication Number | Publication Date |
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| CN106228362A true CN106228362A (en) | 2016-12-14 |
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ID=57531279
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| Application Number | Title | Priority Date | Filing Date |
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| CN201610581946.0A Pending CN106228362A (en) | 2016-07-22 | 2016-07-22 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
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