CN101730023A - Method and system for payment by using short messages - Google Patents
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- CN101730023A CN101730023A CN200910246944A CN200910246944A CN101730023A CN 101730023 A CN101730023 A CN 101730023A CN 200910246944 A CN200910246944 A CN 200910246944A CN 200910246944 A CN200910246944 A CN 200910246944A CN 101730023 A CN101730023 A CN 101730023A
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Abstract
The invention provides a method for payment by using short messages, comprising the following steps of: receiving paying short messages transmitted by a user, wherein the paying short messages comprise item codes, paying indications, paying passwords, paying account numbers and paying money, the user signs a paying service agreement with a paid party and a bank; selecting the paying short messages required for symbol business according to the item codes and processing; checking the signing information of the user according to paying telephone numbers; if the user signs the agreement, transmitting the paying short messages to a paying platform; and paying by the paying platform according to the paying short messages. The user uses the telephone short messages to pay by the method and the system so that the user pays at any time and place. The invention has the advantage of safe, convenient and efficient realization.
Description
Technical field
The present invention relates to communication technical field, particularly a kind of method and system of payment by using short messages.
Background technology
Ecommerce (Electronic Commerce) is under the open network environment of Internet, based on the browser/server application mode, realize a kind of novel commercial operation pattern of consumer's shopping online, the online transaction between the trade company and online E-Payment.Ecommerce is the direct product of Internet explosive growth, is the brand-new developing direction that network technology is used.The opening that Internet itself is had, global, low-cost, high-efficiency characteristics, also become the internal characteristics of ecommerce, and make ecommerce surmount greatly as a kind of new value that trade form had, it not only can change production, operation, the management activity of enterprise itself, and will have influence on the economical operation and the structure of entire society.Ecommerce has replaced material flow with electron stream on the one hand with traditional business workflow electronization, digitlization, can reduce human and material resources in a large number, has reduced cost; Broken through the restriction in time and space on the other hand, made transaction to carry out at any time and any place, thereby improved efficient greatly.In addition, opening that ecommerce had and global characteristics are for enterprise has created more trade access.
Therefore ecommerce becomes the important content of China's Future Development, yet, E-Payment is as key one ring of ecommerce, because the E-Payment means are more single, the present comparatively network payment of widespread usage, as Alipay etc. is not very convenient to the user still, and the user can not pay anywhere or anytime, and therefore paying by mails is the bottleneck of restriction e-commerce development.Along with the continuous development of ecommerce, need a kind of safe, convenient, means of payment efficiently badly, not only can be the user more selection is provided, the user is paid anywhere or anytime.
Summary of the invention
Purpose of the present invention is intended to solve at least one of above-mentioned technological deficiency, and it is single particularly to solve in the prior art means of payment, the defective that the user can not pay whenever and wherever possible.
For achieving the above object, one aspect of the present invention proposes a kind of method of payment by using short messages, may further comprise the steps: receive the payment note that the user sends, described payment note comprises item code, payment indication, payment cipher, payment accounts and payment, wherein said user be signed with the payment services agreement by payer and bank; Select the payment note of symbol service needed to handle according to described item code; According to the CAMEL-Subscription-Information of the cell-phone number verified users of paying,, then described payment note is sent to payment platform if described user is signatory; Described payment platform is paid according to described payment note.
In one embodiment of the invention, the payment note that described reception user sends comprises: the operator SMS gateway receives the payment note that the user sends, and described payment note comprises item code, payment indication, payment cipher, payment accounts and payment; The payment note that described operator SMS gateway will receive sends to the bank short message gateway, and described bank gateway will be paid the uplink information table that note is inserted into local subsystem database.
In one embodiment of the invention, described payment note according to item code selection symbol service needed is handled and is comprised: the uplink information table of the described local subsystem database of front server timing scan, obtain described payment note according to item code, and send to business integration platform by all kinds of means.
In one embodiment of the invention, CAMEL-Subscription-Information according to the cell-phone number verified users of paying, if described user is signatory, then described payment note being sent to payment platform comprises: the described platform of business integration is by all kinds of means inquired about local CAMEL-Subscription-Information according to the cell-phone number of payment, judges according to local CAMEL-Subscription-Information whether described user is signatory; If judge that described user is signatory, then described payment note sent to payment platform.
In one embodiment of the invention, described payment platform is paid according to described payment note and comprised: described payment platform judges that whether by payer be number of the account in the row of described bank; If judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, is paid by described bank main; If judge that by payer be number of the account in the row of described bank, then described payment platform will pay and ask to send to platform in lines, be paid by described branch platform.
In one embodiment of the invention, pay by described branch platform and comprise: concentrate payment system or Unionpay's payment network to pay by People's Bank of China by described branch.
In one embodiment of the invention, also comprise: after finishing payment, described payment platform receives described bank main or branch's payment result of returning of platform; Described payment platform sends to described user by note with payment result.
In one embodiment of the invention, also comprise: described operator SMS gateway and described bank short message gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
The invention allows for a kind of system of payment by using short messages, comprise bank short message gateway, front server, business integration platform and payment platform by all kinds of means, described bank short message gateway, be used to receive the payment note that the user sends, described payment note comprises item code, payment indication, payment cipher, payment accounts and payment, and will pay the uplink information table that note is inserted into local subsystem database, wherein said user be signed with the payment services agreement by payer and bank; Described front server is used for the uplink information table of the described local subsystem database of timing scan, obtains described payment note according to item code, and sends to business integration platform by all kinds of means; The described platform of business integration by all kinds of means is used for inquiring about local CAMEL-Subscription-Information according to the cell-phone number of payment, judges according to local CAMEL-Subscription-Information whether described user is signatory, if judge that described user is signatory, then described payment note is sent to payment platform; Described payment platform is used for paying according to described payment note.
In one embodiment of the invention, also comprise bank main and branch's platform, described payment platform, be used to judge that whether by payer be number of the account in the row of described bank, if judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, pay by described bank main, if judge that by payer be not number of the account in the row of described bank, then described payment platform will be paid request and send to branch's platform, be paid by described branch platform.
In one embodiment of the invention, described branch concentrates payment system or Unionpay's payment network to pay by People's Bank of China.
In one embodiment of the invention, described payment platform also is used at the described bank main of reception or after the payment result that platform returns in lines, by note payment result is sent to described user.
In one embodiment of the invention, described bank short message gateway and operator SMS gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
The present invention also proposes the method for another kind of payment by using short messages, may further comprise the steps: payment platform receives the message of the people's payment of requesting for payment of payee's transmission, and described message comprises requestee's inventory and the instruction of withholing; Described payment platform sends the note of withholing by bank's gateway and operator's gateway to described requestee; Described payment platform receives the payment instruction that described requestee returns by bank's gateway and operator's gateway, and pays to described payee according to described payment instruction.
As one embodiment of the present of invention, it is one of following that the payment instruction that described requestee returns comprises: confirm payment instruction, confirm to receive instruction.
As one embodiment of the present of invention, described payment platform is paid according to described payment instruction and comprised: described payment platform judges that whether by payer be number of the account in the row of described bank; If judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, is paid by described bank main; If judge that by payer be number of the account in the row of described bank, then described payment platform will pay and ask to send to platform in lines, be paid by described branch platform.
As one embodiment of the present of invention, being paid by described branch platform comprises: concentrate payment system or Unionpay's payment network to pay by described branch by People's Bank of China.
As one embodiment of the present of invention, also comprise: described payee and People's Bank of China and signatory and typing dealer information.
As one embodiment of the present of invention, also comprise: after finishing payment, described payment platform receives described bank main or branch's payment result of returning of platform; Described payment platform sends to described requestee by note with payment result.
As one embodiment of the present of invention, also comprise: described operator SMS gateway and described bank short message gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
The user can use SMS to pay by method and system of the present invention, make the user to pay anywhere or anytime, and the present invention realizes safe, convenient, efficient.
Aspect that the present invention adds and advantage part in the following description provide, and part will become obviously from the following description, or recognize by practice of the present invention.
Description of drawings
Above-mentioned and/or additional aspect of the present invention and advantage are from obviously and easily understanding becoming the description of embodiment below in conjunction with accompanying drawing, wherein:
Fig. 1 is the method flow diagram of a kind of payment by using short messages of the embodiment of the invention;
Fig. 2 concentrates payment system to carry out the schematic diagram of payment by using short messages for a kind of People's Bank of China that utilizes of embodiments of the invention;
Fig. 3 utilizes People's Bank of China to concentrate payment system to carry out the schematic diagram of payment by using short messages for the another kind of embodiments of the invention;
Fig. 4 is the system construction drawing of the payment by using short messages of the embodiment of the invention;
Fig. 5 is the method flow diagram of the another kind of payment by using short messages of the embodiment of the invention.
Embodiment
Describe embodiments of the invention below in detail, the example of described embodiment is shown in the drawings, and wherein identical from start to finish or similar label is represented identical or similar elements or the element with identical or similar functions.Below by the embodiment that is described with reference to the drawings is exemplary, only is used to explain the present invention, and can not be interpreted as limitation of the present invention.
As shown in Figure 1, be the method flow diagram of the payment by using short messages of the embodiment of the invention, this method may further comprise the steps:
Step S101, the user sends the payment note to the operator gateway, and this payment note comprises item code, payment indication, payment cipher, payment accounts and payment etc., wherein, user and be signed with the payment services agreement by payer and bank.In an embodiment of the present invention, need be signed the payment services agreement, and handle and be provided with password in person, and send payment cipher at phone number to the agreement appointment by the client by payer, payer and bank.In another embodiment of the present invention, in order to improve professional autgmentability, the payer can provide 3 groups of accounts when signatory, and every group of number of the account all have different initial passwords, and the user can select an account to pay from these 3 groups of accounts when payment like this.Wherein, item code is to determine the different payees professional unique identification of collecting money, and can be distributed and is managed by head office of bank statistics, and behind branch's reporting service, head office examines the granting item code.In addition, when signatory, can require the user that maximum payment is set, can not think for unrestrictedly if do not do setting.
In one embodiment of the invention, the present invention proposes a kind of messaging format: item code+function code+payment accounts+payment cipher+payment.For example, messaging format is PMKO#ZF#1#123456#100 to 9555801, representative is paid 100 yuan by note from account 1 be the beneficiary of PMKO to code, and payment cipher is 123456, and this note is sent to the long code corresponding with bank (for example can be 9555801).
Can trigger this step by dual mode in an embodiment of the present invention, a kind of is user's active payment, and another kind is to need the user to confirm payment.In one embodiment of the invention, the payee sends note to the payer, system adds the project label sign indicating number automatically in the number of downlink short message (promptly issuing payer's note), reaching the downlink short message number rule is 9555801+ project label sign indicating number, and the payer directly replys this note and pays.Perhaps, in another embodiment of the present invention, the payer is after receiving the note that needs its payment, and payer initiatively edit item identification code pays.
Step S102, the payment note that the operator SMS gateway will receive sends to the bank short message gateway, and bank's gateway will be paid the uplink information table that note is inserted into local subsystem database.In an embodiment of the present invention, operator SMS gateway and bank short message gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between operator SMS gateway and the described bank short message gateway.Particularly, adopt the Soket mode, the IP address and the port of the open gateway server of operator, bank's gateway can send downlink information to operator's gateway by the message format of appointing, equally, bank also needs to provide the IP address and the port of a station server, and operator's gateway is transmitted to bank's gateway to message according to long code.In addition, all bind two-way IP address, the uplink information that the IP address that bank receives only operator to be provided sends over, the downlink information that the IP address that letter provided during operator also received only sends over.
Step S103, the uplink information table of the described local subsystem database of front server timing scan obtains described payment note according to item code, and sends to business integration platform (BP) by all kinds of means.
Step S104, the business integration platform is inquired about local CAMEL-Subscription-Information according to the cell-phone number of payment by all kinds of means, judges according to local CAMEL-Subscription-Information whether this user is signatory; If judge that described user is signatory, then will pay note and send to payment platform (also can be described as head office's platform or switching plane).
Step S105, payment platform judge whether the purpose number of the account is the interior number of the account of row of bank; If judging the purpose number of the account is the interior number of the account of row of bank, then payment platform sends the payment request to the main frame of bank, is paid by bank main; If judging the purpose number of the account is not the interior number of the account of row of bank, then payment platform will be paid request and send to branch's platform, be paid by branch's platform.In one embodiment of the invention, concentrate payment system or Unionpay's payment network to pay by branch by People's Bank of China, the concentrated payment system of certain People's Bank of China etc. only is an example, and any payment system that can provide inter-bank to transfer accounts all can be applicable among the present invention.For the present invention there being clearer understanding, below concentrate payment system simply to introduce to People's Bank of China.
People's Bank of China concentrates the payment system trial run of having reached the standard grade in 2008, and the scope of business has contained Pearl River Delta (removing Shenzhen) and area, most of inside the province counties and cities, and the bank that activates the service comprises the 4 17 tame banks of going greatly.Pay a professional area opening to concentrate to withhold, receive, payer only needs open a bank account in any family, enterprises and institutions and the individual deduct or the payment that can open a bank account to any family in the location.Concentrate payment system in order to make full use of this People's Bank of China, the present invention proposes two kinds of patterns utilizing this People's Bank of China to concentrate payment system:
Pattern one, as shown in Figure 2, a kind of schematic diagram that utilizes the concentrated payment system of People's Bank of China to carry out payment by using short messages for embodiments of the invention may further comprise the steps:
Step S201, paying party and beneficiary have trade relations, are that producer and dealer set up the supply and marketing relation in this embodiment, also can set up the trade relations of other any kinds certainly in this embodiment.
Step S202, the signatory and typing dealer information of producer and People's Bank of China determines that collecting account is a China Citic Bank.
Step S203, after producer and People's Bank of China are signatory, signatory in lines with middle letter Guangzhou.
Step S204, each dealer of this producer sends payment instruction by note case China Citic Bank.
Step S205, China Citic Bank will withhold to instruct and send to People's Bank of China.
Step S206, People's Bank of China squeeze into fund the middle letter account of producer.
Pattern two as shown in Figure 3, concentrates payment system to carry out the schematic diagram of payment by using short messages for the another kind of embodiments of the invention utilizes People's Bank of China, may further comprise the steps:
Step S301, payee and requestee have treasury trade.
Step S302, the signatory and typing payer information of payee and People's Bank of China determines that collecting account is a China Citic Bank.
Step S303, after payee and People's Bank of China are signatory that letter Guangzhou in the friendship of requestee's inventory is signatory in lines, and the payee sends the instruction of withholing in batches to China Citic Bank.
Step S304, China Citic Bank sends the note of withholing to each requestee, and each requestee replys Y/N and pays the bill.
Step S305, if the requestee replys Y, then China Citic Bank will withhold to instruct and send to People's Bank of China.
Step S306, People's Bank of China squeeze into fund payee's middle letter account.
Above embodiment concentrates the specific embodiment of payment system for adopting People's Bank of China, also can adopt other system to pay certainly.
Step S106, after finishing payment, the payment result that payment platform reception bank main or branch's platform return, payment platform sends to the user by note with payment result.Particularly, payment platform is transmitted to business integration platform (BP) by all kinds of means with the result, business integration platform parsing transaction results feeds back to front server with transaction results by all kinds of means, the form that front server is good is by appointment put into the appointed place with transaction results, the bank short message gateway reads this result and sends to the operator SMS gateway, by operator's gateway downlink information is sent to the user.
In the above-described embodiments, the mode by payment by using short messages is described, revises but also can carry out password by this system in conjunction with concrete system configuration, inquiry transaction details etc., its process and payment process are similar, do not repeat them here.
As shown in Figure 4, be the system construction drawing of the payment by using short messages of the embodiment of the invention, this system comprises bank short message gateway 100, front server 200, business integration platform (BP) 300 and payment platform 400 by all kinds of means.Bank short message gateway 100, be used to receive the payment note that user that operator's gateway 500 sends sends, this payment note comprises item code, payment indication, payment cipher, payment accounts, purpose number of the account and payment, and will pay the uplink information table that note is inserted into local subsystem database.Front server 200 is used for the uplink information table of the local subsystem database of timing scan, obtains described payment note according to item code, and sends to business integration platform 300 by all kinds of means.Business integration platform 300 is used for inquiring about local CAMEL-Subscription-Information (as from system database (DB) inquiry) according to the cell-phone number of payment by all kinds of means, judge according to local CAMEL-Subscription-Information whether described user is signatory, if judge that described user is signatory, then will pay note and send to payment platform 400.Payment platform 400 is used for paying according to the payment note.
In one embodiment of the invention, this system also comprises bank main 600 and branch's platform 700.Payment platform 400 is used to judge whether the purpose number of the account is the interior number of the account of row of bank, if judging the purpose number of the account is the interior number of the account of row of bank, then payment platform 400 sends the payment request to bank main 600, pay by bank main 600, if judging the purpose number of the account is not the interior number of the account of row of bank, then payment platform 400 will be paid request and send to branch's platform 700, be paid by branch's platform 700.In one embodiment of the invention, branch concentrates payment system or Unionpay's payment network to pay by People's Bank of China, promptly pays by the NCR of branch.
In one embodiment of the invention, payment platform 400 also is used at reception bank main 600 or after the payment result that platform 700 returns in lines, by note payment result is sent to the user.
In one embodiment of the invention, bank short message gateway 100 and operator SMS gateway 500 have the IP address and the port of mutual two-way binding, and use the message communication of agreement between operator SMS gateway 500 and the bank short message gateway 100.
Be illustrated in figure 5 as the method flow diagram of the another kind of payment by using short messages of the embodiment of the invention, this method may further comprise the steps:
Step S510, payment platform 400 receive the message of the people's payment of requesting for payment of payee's transmission, and described message comprises requestee's inventory and the instruction of withholing.
Step S520, payment platform 400 sends the note of withholing by bank short message gateway 100 and operator SMS gateway 500 to the requestee.
Step S530, payment platform 400 receives the payment instruction that the requestee returns by bank short message gateway 100 and operator SMS gateway 500, and pays to the payee according to payment instruction.
The payment instruction that the requestee returns can also can be received instruction as * for confirming for confirming payment instruction such as #1 (wherein, # is for confirming the payment sign, 1 account number for the payment client).After payment platform 400 receives payment instruction, judge that at first whether by payer be number of the account in the row of bank: if judge that by payer be number of the account in the row of bank, then payment platform 400 sends the payment request to bank main 600, is paid by bank main 600; If judge that by payer be number of the account in the row of bank, then payment platform 400 will pay request and send to platform 700 in lines, be paid by the concentrated payment system of People's Bank of China or Unionpay's payment network by branch's platform 700.After finishing payment, payment platform 400 receives the payment result that bank mains 600 or branch's platform 700 return, and payment result is sent to the requestee by note.
The user can use SMS to pay by method and system of the present invention, make the user to pay anywhere or anytime, and the present invention realizes safe, convenient, efficient.
Although illustrated and described embodiments of the invention, for the ordinary skill in the art, be appreciated that without departing from the principles and spirit of the present invention and can carry out multiple variation, modification, replacement and modification that scope of the present invention is by claims and be equal to and limit to these embodiment.
Claims (20)
1. the method for a payment by using short messages is characterized in that, may further comprise the steps:
Receive the payment note that the user sends, described payment note comprises item code, payment indication, payment cipher, payment accounts and payment, wherein said user be signed with the payment services agreement by payer and bank;
Select the payment note of symbol service needed to handle according to described item code;
According to the CAMEL-Subscription-Information of the cell-phone number verified users of paying,, then described payment note is sent to payment platform if described user is signatory;
Described payment platform is paid according to described payment note.
2. the method for payment by using short messages as claimed in claim 1 is characterized in that, the payment note that described reception user sends comprises:
The operator SMS gateway receives the payment note that the user sends, and described payment note comprises item code, payment indication, payment cipher, payment accounts and payment;
The payment note that described operator SMS gateway will receive sends to the bank short message gateway, and described bank gateway will be paid the uplink information table that note is inserted into local subsystem database.
3. the method for payment by using short messages as claimed in claim 2 is characterized in that, described payment note according to item code selection symbol service needed is handled and comprised:
The uplink information table of the described local subsystem database of front server timing scan obtains described payment note according to item code, and sends to business integration platform by all kinds of means.
4. the method for payment by using short messages as claimed in claim 3 is characterized in that, according to the CAMEL-Subscription-Information of the cell-phone number verified users of paying, if described user is signatory, then described payment note is sent to payment platform and comprises:
The described platform of business integration is by all kinds of means inquired about local CAMEL-Subscription-Information according to the cell-phone number of payment, judges according to local CAMEL-Subscription-Information whether described user is signatory;
If judge that described user is signatory, then described payment note sent to payment platform.
5. the method for payment by using short messages as claimed in claim 4 is characterized in that, described payment platform is paid according to described payment note and comprised:
Described payment platform judges that whether by payer be number of the account in the row of described bank;
If judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, is paid by described bank main;
If judge that by payer be number of the account in the row of described bank, then described payment platform will pay and ask to send to platform in lines, be paid by described branch platform.
6. the method for payment by using short messages as claimed in claim 5 is characterized in that, being paid by described branch platform comprises:
Concentrate payment system or Unionpay's payment network to pay by described branch by People's Bank of China.
7. the method for payment by using short messages as claimed in claim 5 is characterized in that, also comprises:
After finishing payment, described payment platform receives described bank main or branch's payment result of returning of platform;
Described payment platform sends to described user by note with payment result.
8. the method for payment by using short messages as claimed in claim 2 is characterized in that, also comprises:
Described operator SMS gateway and described bank short message gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
9. the system of a payment by using short messages is characterized in that, comprises bank short message gateway, front server, business integration platform and payment platform by all kinds of means,
Described bank short message gateway, be used to receive the payment note that the user sends, described payment note comprises item code, payment indication, payment cipher, payment accounts and payment, and will pay the uplink information table that note is inserted into local subsystem database, wherein said user be signed with the payment services agreement by payer and bank;
Described front server is used for the uplink information table of the described local subsystem database of timing scan, obtains described payment note according to item code, and sends to business integration platform by all kinds of means;
The described platform of business integration by all kinds of means is used for inquiring about local CAMEL-Subscription-Information according to the cell-phone number of payment, judges according to local CAMEL-Subscription-Information whether described user is signatory, if judge that described user is signatory, then described payment note is sent to payment platform;
Described payment platform is used for paying according to described payment note.
10. the system of payment by using short messages as claimed in claim 9 is characterized in that, also comprises bank main and branch's platform,
Described payment platform, be used to judge that whether by payer be number of the account in the row of described bank, if judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, pay by described bank main, if judge that by payer be number of the account in the row of described bank, then described payment platform will pay and ask to send to platform in lines, be paid by described branch platform.
11. the system of payment by using short messages as claimed in claim 10 is characterized in that, described branch concentrates payment system or Unionpay's payment network to pay by People's Bank of China.
12. the system of payment by using short messages as claimed in claim 10 is characterized in that, described payment platform also is used at the described bank main of reception or after the payment result that platform returns in lines, by note payment result is sent to described user.
13. the system of payment by using short messages as claimed in claim 9, it is characterized in that, described bank short message gateway and operator SMS gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
14. the method for a payment by using short messages is characterized in that, may further comprise the steps:
Payment platform receives the message of the people's payment of requesting for payment of payee's transmission, and described message comprises requestee's inventory and the instruction of withholing;
Described payment platform sends the note of withholing by bank short message gateway and operator SMS gateway to described requestee;
Described payment platform receives the payment instruction that described requestee returns by bank short message gateway and operator SMS gateway, and pays to described payee according to described payment instruction.
15. the method for payment by using short messages as claimed in claim 14 is characterized in that, it is one of following that the payment instruction that described requestee returns comprises: confirm payment instruction, confirm to receive instruction.
16. the method for payment by using short messages as claimed in claim 14 is characterized in that, described payment platform is paid according to described payment instruction and is comprised:
Described payment platform judges that whether by payer be number of the account in the row of described bank;
If judge that by payer be number of the account in the row of described bank, then described payment platform sends the payment request to the main frame of described bank, is paid by described bank main;
If judge that by payer be number of the account in the row of described bank, then described payment platform will pay and ask to send to platform in lines, be paid by described branch platform.
17. the method for payment by using short messages as claimed in claim 16 is characterized in that, being paid by described branch platform comprises:
Concentrate payment system or Unionpay's payment network to pay by described branch by People's Bank of China.
18. the method for payment by using short messages as claimed in claim 17 is characterized in that, also comprises:
Described payee and People's Bank of China and signatory and typing dealer information.
19. the method for payment by using short messages as claimed in claim 16 is characterized in that, also comprises:
After finishing payment, described payment platform receives described bank main or branch's payment result of returning of platform;
Described payment platform sends to described requestee by note with payment result.
20. the method for payment by using short messages as claimed in claim 16 is characterized in that, also comprises:
Described operator SMS gateway and described bank short message gateway have the IP address and the port of mutual two-way binding, and use the message communication of agreement between described operator SMS gateway and the described bank short message gateway.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910246944A CN101730023A (en) | 2009-12-07 | 2009-12-07 | Method and system for payment by using short messages |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910246944A CN101730023A (en) | 2009-12-07 | 2009-12-07 | Method and system for payment by using short messages |
Publications (1)
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| CN101730023A true CN101730023A (en) | 2010-06-09 |
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| CN103365819A (en) * | 2012-03-30 | 2013-10-23 | 周燕 | Electronic calculator with network transfer and collection and payment functions and network transfer method thereof |
| CN103440576A (en) * | 2013-07-18 | 2013-12-11 | 南京爱沓信息技术有限公司 | Mobile direct-payment system |
| CN104463579A (en) * | 2014-12-15 | 2015-03-25 | 孙勃 | Payment and payment receiving method for wireless communication equipment |
| CN104618399A (en) * | 2015-03-05 | 2015-05-13 | 中国联合网络通信集团有限公司 | Method and system for protecting data security in short message paying transaction |
| CN104766202A (en) * | 2014-01-03 | 2015-07-08 | 中国移动通信集团贵州有限公司 | Payment system, payment method and information checking method |
| CN105787713A (en) * | 2014-12-24 | 2016-07-20 | 阿里巴巴集团控股有限公司 | Network payment method and server |
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| CN103365819A (en) * | 2012-03-30 | 2013-10-23 | 周燕 | Electronic calculator with network transfer and collection and payment functions and network transfer method thereof |
| CN103440576A (en) * | 2013-07-18 | 2013-12-11 | 南京爱沓信息技术有限公司 | Mobile direct-payment system |
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| CN104618399A (en) * | 2015-03-05 | 2015-05-13 | 中国联合网络通信集团有限公司 | Method and system for protecting data security in short message paying transaction |
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