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WO2009152677A1 - Système de paiement et son procédé de paiement - Google Patents

Système de paiement et son procédé de paiement Download PDF

Info

Publication number
WO2009152677A1
WO2009152677A1 PCT/CN2008/073731 CN2008073731W WO2009152677A1 WO 2009152677 A1 WO2009152677 A1 WO 2009152677A1 CN 2008073731 W CN2008073731 W CN 2008073731W WO 2009152677 A1 WO2009152677 A1 WO 2009152677A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
financial
payment
personal
transaction
Prior art date
Application number
PCT/CN2008/073731
Other languages
English (en)
Chinese (zh)
Inventor
李丽丽
Original Assignee
Li Lili
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Li Lili filed Critical Li Lili
Publication of WO2009152677A1 publication Critical patent/WO2009152677A1/fr

Links

Classifications

    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • the present invention relates to a payment system and a payment method thereof, and more particularly to a payment system that is both convenient to use and highly transaction-safe, and a payment method thereof. Background technique
  • the information delivery system may be installed in a bank card credit card machine or a cash register terminal equipped with a card swipe machine.
  • the financial service terminal can be a bank card or an IC card with a bank card function.
  • the mobile communication terminal can be a mobile phone card.
  • the personal financial information includes user identity information, account information, encrypted information, and transaction information, and the personal communication information includes a mobile phone card number and a communication record.
  • Step 4) The financial system feeds back the transaction completion information to the mobile communication terminal.
  • Step 22 Scan the financial service terminal built in the mobile communication device through the information delivery system to transmit the personal financial information to the financial system.
  • Step 4) The financial system feeds back the transaction completion information to the mobile communication terminal.
  • Step 11) The user sets initial personal financial information in the financial system of the bank, including the user's identity information, account information, and encrypted information, and selects a certain mobile phone number as personal communication information;
  • step 2) the following steps are further included:
  • step 4 the financial system feeds the transaction completion information through the wireless communication network to the mobile communication terminal through the short message, that is, on the corresponding consumer's mobile phone.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L’invention concerne un système de paiement qui inclut un terminal utilisateur, un système de distribution d’informations, un système d’entrée d’empreintes digitales, un système financier et une base de données d’empreintes digitales. Le terminal utilisateur et le système de distribution d’informations sont reliés au système financier par voie sans fil ou câblée respectivement, et le système d’entrée d’empreintes digitales est relié à la base de données d’empreintes digitales également par voie sans fil ou câblée, ledit terminal utilisateur incluant un terminal de service financier destiné à enregistrer les données financières personnelles de l’utilisateur et un terminal de communication mobile destiné à enregistrer les données de communication personnelles de l’utilisateur placés ensemble dans le dispositif de communication mobile, et les données de communication personnelles sont reliées aux données financières personnelles et/ou aux empreintes digitales correspondantes. Lorsque le terminal de service financier se connecte au système financier avec succès et que le paiement de transaction commerciale est terminé, le système financier renvoie les informations d’exécution de transaction commerciale au terminal de communication mobile. L’invention concerne également un procédé de paiement.
PCT/CN2008/073731 2008-06-16 2008-12-25 Système de paiement et son procédé de paiement WO2009152677A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200810028798.5 2008-06-16
CNA2008100287985A CN101299254A (zh) 2008-06-16 2008-06-16 一种支付系统及其支付方法

Publications (1)

Publication Number Publication Date
WO2009152677A1 true WO2009152677A1 (fr) 2009-12-23

Family

ID=40079079

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2008/073731 WO2009152677A1 (fr) 2008-06-16 2008-12-25 Système de paiement et son procédé de paiement

Country Status (2)

Country Link
CN (1) CN101299254A (fr)
WO (1) WO2009152677A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109858894A (zh) * 2019-01-16 2019-06-07 深圳壹账通智能科技有限公司 一种支付结果通知方法、装置、可读存储介质及服务器
CN112954688A (zh) * 2021-02-04 2021-06-11 中国联合网络通信集团有限公司 通信标识的验证方法和服务器、核心网设备

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101299254A (zh) * 2008-06-16 2008-11-05 李丽丽 一种支付系统及其支付方法
CN101872513B (zh) * 2010-05-26 2012-09-05 交通银行股份有限公司 基于pos机的数据处理方法、装置及系统
CN101964126A (zh) * 2010-09-13 2011-02-02 中兴通讯股份有限公司 移动终端支付方法及移动终端
CN102480725A (zh) * 2010-11-30 2012-05-30 中国银联股份有限公司 一种远程支付方法
CN102542444A (zh) * 2011-12-22 2012-07-04 大唐微电子技术有限公司 移动支付身份验证方法、装置和系统
CN103514538B (zh) * 2012-06-21 2016-10-05 深圳盒子支付信息技术有限公司 互联网的磁卡支付的实现方法及系统
CN104463582A (zh) * 2014-11-25 2015-03-25 重庆天元仙宝科技发展有限公司 电子货币的支付方法
CN104899488B (zh) * 2014-12-31 2016-12-28 深圳市腾讯计算机系统有限公司 数值转移方法及装置
CN104809614A (zh) * 2015-04-13 2015-07-29 济南舜软信息科技有限公司 基于网络和生物特征的身份识别和支付装置及其实现方法
CN104881779A (zh) * 2015-06-17 2015-09-02 恒宝股份有限公司 一种移动融合支付装置、系统及支付方法
CN106056448A (zh) * 2016-07-21 2016-10-26 新疆惠恩互联网科技有限公司 互联网金融风险控制系统
CN110070363B (zh) * 2019-03-13 2021-08-06 咪咕文化科技有限公司 区块链网络中的账户管理方法、验证方法及终端设备

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1514635A (zh) * 2003-04-29 2004-07-21 叶丰平 采用指纹智能终端实现移动电子商务的方法及智能手机
CN1588388A (zh) * 2004-07-27 2005-03-02 杭州中正生物认证技术有限公司 一种具有指纹认证的手机支付方法
KR20060062948A (ko) * 2004-12-06 2006-06-12 주식회사 팬택 이동 통신 단말기를 이용한 전자 결제 방법
CN101299254A (zh) * 2008-06-16 2008-11-05 李丽丽 一种支付系统及其支付方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1514635A (zh) * 2003-04-29 2004-07-21 叶丰平 采用指纹智能终端实现移动电子商务的方法及智能手机
CN1588388A (zh) * 2004-07-27 2005-03-02 杭州中正生物认证技术有限公司 一种具有指纹认证的手机支付方法
KR20060062948A (ko) * 2004-12-06 2006-06-12 주식회사 팬택 이동 통신 단말기를 이용한 전자 결제 방법
CN101299254A (zh) * 2008-06-16 2008-11-05 李丽丽 一种支付系统及其支付方法

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109858894A (zh) * 2019-01-16 2019-06-07 深圳壹账通智能科技有限公司 一种支付结果通知方法、装置、可读存储介质及服务器
CN112954688A (zh) * 2021-02-04 2021-06-11 中国联合网络通信集团有限公司 通信标识的验证方法和服务器、核心网设备
CN112954688B (zh) * 2021-02-04 2022-10-28 中国联合网络通信集团有限公司 通信标识的验证方法和服务器、核心网设备

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