CN1652130A - Intelligent wallet based on mobile phone number and device and method for implementing the same - Google Patents
Intelligent wallet based on mobile phone number and device and method for implementing the same Download PDFInfo
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- CN1652130A CN1652130A CN 200510011361 CN200510011361A CN1652130A CN 1652130 A CN1652130 A CN 1652130A CN 200510011361 CN200510011361 CN 200510011361 CN 200510011361 A CN200510011361 A CN 200510011361A CN 1652130 A CN1652130 A CN 1652130A
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Abstract
The present invention provides an intelligent purse based on mobile telephone number. It is characterized by that it includes an account number based on mobile telephone number and an intelligent card or magnetic card composition related to said account number, said intelligent card or magnetic card is the intelligent purse card. Said invention also provides its application method and its application range. Besides, said invention also provides its related devices.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of intelligent wallet, the device that a kind of intelligent wallet is realized, the construction method of the device that a kind of intelligent wallet is realized, and a kind of method of intelligent wallet realization based on Mobile Directory Number.Described intelligent wallet is the new ideas that the present invention proposes, and is meant that being used to of realizing on the basis of Mobile Directory Number makes things convenient for the mobile phone user to pay an account of various expenses.The intelligence wallet is formed based on the number of the account of Mobile Directory Number and a sheet smart card or magnetic card by one.The user uses intelligent wallet card to withdraw the money on the ATM of bank, the consumption of transferring accounts on the POS of service or commodity provider; The user use intelligent wallet account can be as safe as a house in e-commerce initiative, transfer accounts easily.Intelligence wallet account is different from the general account of bank; be characterized in that this intelligence wallet account is the account of user towards various payments; the user can have much in the account of bank; but in the time of foreign payment; only use this intelligence wallet account to transfer accounts; the user can be the transfer of financial resources on its bank account on this intelligence wallet account by bank; also can by bank the transfer of financial resources on this intelligence wallet account on the account of its bank; such benefit is to protect the safety of fund on user's bank account effectively, greatly user friendly payment activity.The intelligent part of intelligence wallet is that it has the authentication function of ecommerce provider and the function of intelligent wallet user being carried out account transfer memo, has only the ability that can have the fund that produces from intelligent wallet by the ecommerce provider of authentication, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts.In addition, intelligent wallet is writing down each ta vservice, and intelligent wallet user can inquire about at any time.Therefore, intelligent wallet effectively ensures user's fund security and interests when making things convenient for the user, will promote further developing of ecommerce.
Background technology
In present moving communicating field, financial field and e-commerce field, for carrying out ecommerce, bank adopts the transfer transactions of directly supporting ecommerce by user's bank account usually; Mobile communication carrier carries out mobile electronic payment by the credit card number of Mobile Directory Number and bank is bound, its common characteristic is to operate by the account transfer that the account number of bank is directly carried out in the ecommerce, so there are some defectives, mainly show: one, ecommerce provider is numerous, user's account No. is operated frequently, can produce the decrypted problem of user account, user's fund has the risk that is stolen.Two, account No. is not easy memory, and the user is inconvenience, not quick when electronic payment.When three, account transfer took place user's account, the user can not get notifying timely.If overcome the defective in the above-mentioned electronic payment activity, Mobile Directory Number as a payment account, and set up an intelligent payment platform based on mobile communications network and E-business service, based on mobile communications network and computer internet Internet resources, provide convenience to the mobile phone user, E-business service efficiently, to bring better E-business service to the mobile phone user, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, people's ecommerce demand also presents the trend that rises day by day gradually.Therefore, satisfying the convenient and demand for security of people's electronic payment, is the scientific research task that the technician faces, and also is the service item that Mobile Network Operator and financial field need provide as early as possible.
Existing computer technology, network technology and mobile communication technology, make the technical conceive of the intelligent wallet that the inventor proposes first that the possibility that realizes arranged, that is to say to setting up and realize providing the operation system of intelligent wallet service that technical support is provided the user.What therefore, the inventor proposed first provides the notion of intelligent wallet service to obtain establishment to the user.
Do not retrieve at present the relevant patent documentation of relevant intelligent wallet as yet.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, a kind of intelligent wallet based on Mobile Directory Number is provided, thereby protect the safety of fund on user's bank account, greatly user friendly payment activity effectively.
The device that the present invention also provides a kind of intelligent wallet to realize.Adopt this device to make intelligent wallet when making things convenient for the user, effectively ensure user's fund security and interests, will promote further developing of ecommerce.
The present invention also provides a kind of construction method of device of intelligent wallet realization.
The method that the present invention also provides a kind of intelligent wallet to realize.
The total technical conceive of the present invention is, not only make full use of Mobile Directory Number easily note and the characteristics that can not repeat, and make full use of the message function of mobile communication, make an intelligent wallet that combines based on the number of the account of Mobile Directory Number and a sheet smart card or magnetic card, when the fund in its possessory user's of being intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, have only after the user confirms that this is transferred accounts, can realize the account transfer operation.Such benefit is to protect the safety of fund on user's bank account to greatest extent, user friendly to greatest extent payment activity.
Technical scheme of the present invention is as follows:
A kind of intelligent wallet based on Mobile Directory Number, it is characterized in that: comprise one based on the account number of Mobile Directory Number and the sheet smart card relevant or the combination of magnetic card with account, this smart card or magnetic card are intelligent wallet card, be used on the ATM of bank, withdrawing the money the consumption of on the POS of service or commodity provider, transferring accounts; The system of accounts of described intelligent wallet is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, have only after the user confirms that this is transferred accounts the operation of to transfer accounts.
Described intelligent wallet not only has the function of intelligent wallet user being carried out account transfer memo, and have only ecommerce provider can have the ability of the fund that produces from intelligent wallet by authentication, in addition, the intelligence wallet is writing down each ta vservice, and intelligent wallet user can inquire about at any time.
The device that a kind of intelligent wallet is realized, it is characterized in that: comprise and mobile communications network, the mobile payment gateway device that mobile operator internal data network and data Internet are interconnected respectively, this mobile payment gateway device connects mobile telephone terminal users by the mobile operator mobile communications network, connect short message service center by the mobile operator internal data network, short messaging gateway and several telecommunication service providers are the SP service interface server, connect the internet computer user by the data Internet, the clearing interface server of several ecommerce interface servers and several clearing houses, connect intelligent wallet communication facilities by internal network, intelligent wallet communication facilities is by the ATM or the POS of Unionpay's account interface data network interconnection Unionpay account interface server and several banks; Described intelligent wallet communication facilities has the intelligent wallet account of management, handle the ta vservice of intelligent wallet account, handle the ta vservice between bank account and the intelligent wallet account and preserve and manage the account transfer writing function of intelligent wallet account, described intelligent wallet account's system is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts.
Described mobile payment gateway device is meant that receiving telecommunication service provider is SP, the transfer request of clearing houses and ecommerce provider, the validity of transferring accounts with intelligent wallet account communication acknowledgement, by short message and intelligent this transferred account service of wallet mobile phone user verification and validation, the transfer request order that sends intelligent wallet account is to intelligent wallet communication facilities, receive the return results of the account transfer operation of intelligent wallet communication facilities answer, form short message and send to the Mobile Directory Number user of intelligent wallet for the account transfer operating result of intelligent wallet account, the operating result of account transfer is sent to initiate the requestor that transfers accounts simultaneously; Described several clearing houses comprise telecommunications, power supply, water supply, air feed and CNN etc.
The construction method of the device that a kind of intelligent wallet is realized, it is characterized in that in network of relation, carrying out the setting of data and the construction of relevant device, comprise: build intelligent wallet communication facilities, mobile payment gateway device, and the clearing interface server of each clearing houses that satisfies the requirements and the ecommerce interface server of ecommerce provider are connected to the mobile payment gateway device by the data Internet; Described intelligent wallet communication facilities has the intelligent wallet account of management, handle the ta vservice of intelligent wallet account, handle the ta vservice between bank account and the intelligent wallet account and preserve and manage the account transfer writing function of intelligent wallet account, described intelligent wallet account's system is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts; After corresponding setting was finished, this device can be carried out the operation of two types of the account transfers of the account transfer of ecommerce type and clearing type.
The method that a kind of intelligent wallet is realized, it is characterized in that: comprise above-mentioned a kind of intelligent wallet and the device realized of a kind of intelligent wallet bank account and the transfer method between the intelligent wallet account of implementing based on Mobile Directory Number, the method that ecommerce is transferred accounts and the method for settlement transfer utilized.
Transfer method between described bank account and the intelligent wallet account is meant: the user carries out the account transfer operation of carrying out between bank account and the intelligent wallet by the account transfer interface of bank.
The method of described ecommerce account transfer is meant when the user pays by the E-business service interface of ecommerce provider, the E-business service interface prompt user of ecommerce provider imports Mobile Directory Number, and generate identifying code and transfer accounts amount of money message, ecommerce interface server through this ecommerce provider sends to the mobile payment gateway device, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the mobile payment gateway sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the mobile payment gateway device forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the mobile payment gateway device, the mobile payment gateway device forms account transfer and examines short message, and send on this user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If transfer accounts successfully, then the mobile payment gateway device sends to the successful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes the account transfer process of this ecommerce.
The method of described settlement transfer is meant that the clearing interface server of clearing houses sends to the mobile payment gateway device to intelligent wallet user's settlement transfer requests order, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the unsuccessful information of mobile payment gateway handle account transfer sends to the clearing interface server of these clearing houses, and the short message that this intelligence wallet user of prompting is deposited in enough funds sends to this intelligence wallet user simultaneously; If enough transfer funds are arranged, the mobile payment gateway device forms account transfer and examines short message, and send on the user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the clearing interface server of these clearing houses, finishes this settlement transfer process; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device the account transfer unsuccessful information send to these clearing houses the clearing interface server, finish this settlement transfer process; If transfer accounts successfully, then the successful information of mobile payment gateway device handle account transfer sends to the clearing interface server of these clearing houses, finishes the process of this settlement transfer.
The technology of the present invention effect is as follows:
By technique scheme as can be seen, the apparatus and method of intelligent wallet provided by the present invention and realization thereof, intelligent wallet is formed based on the number of the account of Mobile Directory Number and a sheet smart card or magnetic card by one.Intelligence wallet account is different with the account of bank; be characterized in that this intelligence wallet account is the account of user towards various payments; the user can be the transfer of financial resources on its bank account on this intelligence wallet account by bank; also can by bank the transfer of financial resources on this intelligence wallet account on the account of its bank; such benefit is to protect the safety of fund on user's bank account to greatest extent, user friendly to greatest extent payment activity.The user uses intelligent wallet card to withdraw the money on the ATM of bank, the consumption of transferring accounts on the POS of service or commodity provider; The user uses intelligent wallet account then can transfer accounts easily in e-commerce initiative, and should the account transfer process be to carry out under the prerequisite of this user's permission, thereby has solved the safety problem of transferring accounts in the electronic payment process.
Description of drawings
Fig. 1 is the applied schematic network structure of the present invention.
Embodiment
The present invention is described in further detail below in conjunction with accompanying drawing.
The present invention is a kind of based on the intelligent wallet of Mobile Directory Number and the device of realization thereof.Described intelligent wallet is the new ideas that the present invention proposes, and is meant that being used to of realizing on the basis of Mobile Directory Number makes things convenient for the mobile phone user to pay an account of various expenses.The intelligence wallet is formed based on the number of the account of Mobile Directory Number and a sheet smart card or magnetic card by one.The user uses intelligent wallet card to withdraw the money on the ATM of bank, the consumption of transferring accounts on the POS of service or commodity provider; The user use intelligent wallet account can be as safe as a house in e-commerce initiative, transfer accounts easily.Intelligence wallet account is different from the account of bank; be characterized in that this intelligence wallet account is the account of user towards various payments; the user can have much in the account of bank; but in the time of foreign payment; only use this intelligence wallet account to transfer accounts; the user can be the transfer of financial resources on its bank account on this intelligence wallet account by bank; also can by bank the transfer of financial resources on this intelligence wallet account on the account of its bank; such benefit is to protect the safety of fund on user's bank account effectively, greatly user friendly payment activity.The intelligent part of intelligence wallet is that it has the authentication function of ecommerce provider and the function of intelligent wallet user being carried out account transfer memo, has only the ability that can have the fund that produces from intelligent wallet by the ecommerce provider of authentication, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts.In addition, intelligent wallet is writing down each ta vservice, and intelligent wallet user can inquire about at any time.Because the account transfer process is to carry out under the prerequisite of user's permission, thereby has solved the safety problem of transferring accounts in the electronic payment process.
The applied network structure of the present invention as shown in Figure 1, its structure is made up of following each several part respectively: comprise and mobile communications network, the mobile payment gateway device that mobile operator internal data network and data Internet are interconnected respectively, this mobile payment gateway device connects mobile telephone terminal users by the mobile operator mobile communications network, connect short message service center by the mobile operator internal data network, short messaging gateway and several (SP) service interface servers, connect the internet computer user by the data Internet, the clearing interface server of several ecommerce interface servers and several clearing houses, connect intelligent wallet communication facilities by internal network, intelligent wallet communication facilities is by the ATM or the POS of Unionpay's account interface data network interconnection Unionpay account interface server and several banks.Described SP is meant telecommunication service provider.The function of each several part is described below:
Mobile payment gateway device: be meant to receive telecommunication service provider (SP), the transfer request of clearing houses and ecommerce provider, the validity of transferring accounts with intelligent wallet account communication acknowledgement, by short message and intelligent this transferred account service of wallet mobile phone user verification and validation, the transfer request order that sends intelligent wallet account is to intelligent wallet communication facilities, receive the return results of the account transfer operation of intelligent wallet communication facilities answer, form short message and send to the Mobile Directory Number user of intelligent wallet for the account transfer operating result of intelligent wallet account, the operating result of account transfer is sent to initiate the requestor that transfers accounts etc. simultaneously.Described clearing houses are meant in companies such as telecommunications, power supply, water supply, air feed, CATV (cable television) etc.Mobile payment gateway device and mobile communications network, mobile operator internal data network and data Internet are interconnected respectively, connect mobile telephone terminal users by the mobile operator mobile communications network, connect short message service center by the mobile operator internal data network, short messaging gateway and several (SP) service interface servers, connect the internet computer user by the data Internet, the clearing interface server of several ecommerce interface servers and several clearing houses, connect intelligent wallet communication facilities by internal network, intelligent wallet communication facilities is by the ATM or the POS of Unionpay's account interface data network interconnection Unionpay account interface server and several banks.Described SP is meant telecommunication service provider.
Intelligence wallet communication facilities: be meant the intelligent wallet account of management, handle the ta vservice of intelligent wallet account, handle the ta vservice between bank account and the intelligent wallet account, preserve and manage the account transfer record of intelligent wallet account etc.
Unionpay's account interface server: be meant that the user that mechanism of Unionpay provides carries out account inquiries and/or the service equipment of the interface of transferring accounts to each networking bank.
The ecommerce interface server: what be meant that each ecommerce provider provides sells the interface service equipment of account transfer to commodity or service.
Settlement accounts interface server: be meant that user that each clearing houses provides is to its account in these clearing houses interface operable service equipment that manages, inquires about and/or transfer accounts.
SP interface server: the service interface server that is meant each telecommunication service provider (SP).
Short message service center: be meant and mobile communications network short message interconnected, that be used to receive mobile phone that the storage short message is transmitted the equipment of short message to destination address.Short message service center is used to handle the short message communication between mobile phone and the short message service SP by the interconnected short messaging gateway of mobile operator internal network.
Short messaging gateway: be meant provide for short message service SP, be used for SP and provide the equipment of Short Message Service and charging for the mobile phone user, this equipment is interconnected by mobile operator internal network and short message service center.
Mobile operator communication network: be meant that mobile operator provides the network of communication service for its mobile phone user.
Mobile operator internal data network: be meant the data communication network between its communication facilities that mobile operator builds.
The data Internet: being meant provides the network that carries out data communication between the computing machine.
Unionpay's data network: be meant the data network of setting up for the data communication of finishing between the banking server.
Mobile telephone terminal: be meant the portable terminal of login on the mobile communications network of mobile operator.
Internet computer: be meant the computing machine that can sign in on the data internet.
Implement the present invention and at first need in above-mentioned network, carry out the setting of data and the construction of relevant device, particular content comprises: build intelligent wallet communication facilities, mobile payment gateway device, and the clearing interface server of each clearing houses that satisfies the requirements and the ecommerce interface server of ecommerce provider are connected to the mobile payment gateway device by the data Internet; Be the workflow of whole contrive equipment after corresponding setting is finished, this workflow comprises the account transfer workflow of ecommerce type and the account transfer workflow of clearing type.The account transfer workflow of ecommerce type is as follows: when the user pays by the E-business service interface of ecommerce provider, the E-business service interface prompt user of ecommerce provider imports Mobile Directory Number, and generate identifying code and transfer accounts amount of money message, ecommerce interface server through this ecommerce provider sends to the mobile payment gateway device, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the mobile payment gateway sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the mobile payment gateway device forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the mobile payment gateway device, the mobile payment gateway device forms account transfer and examines short message, and send on this user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If transfer accounts successfully, then the mobile payment gateway device sends to the successful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes the account transfer process of this ecommerce.
The account transfer workflow of clearing type is as follows: the clearing interface server of clearing houses sends to the mobile payment gateway device to intelligent wallet user's settlement transfer requests order, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the unsuccessful information of mobile payment gateway handle account transfer sends to the clearing interface server of these clearing houses, and the short message that this intelligence wallet user of prompting is deposited in enough funds sends to this intelligence wallet user simultaneously; If enough transfer funds are arranged, the mobile payment gateway device forms account transfer and examines short message, and send on the user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the clearing interface server of these clearing houses, finishes this settlement transfer process; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device the account transfer unsuccessful information send to these clearing houses the clearing interface server, finish this settlement transfer process; If transfer accounts successfully, then the successful information of mobile payment gateway device handle account transfer sends to the clearing interface server of these clearing houses, finishes the process of this settlement transfer.
The method that a kind of intelligent wallet is realized, comprise above-mentioned a kind of intelligent wallet and the device realized of a kind of intelligent wallet bank account and the transfer method between the intelligent wallet account of implementing based on Mobile Directory Number, the method that ecommerce is transferred accounts and the method for settlement transfer utilized.Transfer method between described bank account and the intelligent wallet account is meant: the user carries out the account transfer operation of carrying out between bank account and the intelligent wallet by the account transfer interface of bank.
Should be pointed out that the above embodiment can make those skilled in the art more fully understand the present invention, but do not limit the present invention in any way.Therefore, although this instructions has been described in detail the present invention with reference to drawings and embodiments,, it will be appreciated by those skilled in the art that still and can make amendment or be equal to replacement the present invention; And all do not break away from the technical scheme and the improvement thereof of the spirit and scope of the present invention, and it all should be encompassed in the middle of the protection domain of patent of the present invention.
Claims (9)
1. intelligent wallet based on Mobile Directory Number, it is characterized in that: comprise one based on the account number of Mobile Directory Number and the sheet smart card relevant or the combination of magnetic card with account, this smart card or magnetic card are intelligent wallet card, be used on the ATM of bank, withdrawing the money the consumption of on the POS of service or commodity provider, transferring accounts; The system of accounts of described intelligent wallet is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, have only after the user confirms that this is transferred accounts the operation of to transfer accounts.
2. a kind of intelligent wallet according to claim 1 based on Mobile Directory Number, it is characterized in that: described intelligent wallet not only has the function of intelligent wallet user being carried out account transfer memo, and have only ecommerce provider can have the ability of the fund that produces from intelligent wallet by authentication, in addition, the intelligence wallet is writing down each ta vservice, and intelligent wallet user can inquire about at any time.
3. device that intelligent wallet is realized, it is characterized in that: comprise and mobile communications network, the mobile payment gateway device that mobile operator internal data network and data Internet are interconnected respectively, this mobile payment gateway device connects mobile telephone terminal users by the mobile operator mobile communications network, connect short message service center by the mobile operator internal data network, short messaging gateway and several telecommunication service providers are the SP service interface server, connect the internet computer user by the data Internet, the clearing interface server of several ecommerce interface servers and several clearing houses, connect intelligent wallet communication facilities by internal network, intelligent wallet communication facilities is by the ATM or the POS of Unionpay's account interface data network interconnection Unionpay account interface server and several banks; Described intelligent wallet communication facilities has the intelligent wallet account of management, handle the ta vservice of intelligent wallet account, handle the ta vservice between bank account and the intelligent wallet account and preserve and manage the account transfer writing function of intelligent wallet account, described intelligent wallet account's system is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts.
4. the device that a kind of intelligent wallet according to claim 3 is realized, it is characterized in that: described mobile payment gateway device is meant that receiving telecommunication service provider is SP, the transfer request of clearing houses and ecommerce provider, the validity of transferring accounts with intelligent wallet account communication acknowledgement, by short message and intelligent this transferred account service of wallet mobile phone user verification and validation, the transfer request order that sends intelligent wallet account is to intelligent wallet communication facilities, receive the return results of the account transfer operation of intelligent wallet communication facilities answer, form short message and send to the Mobile Directory Number user of intelligent wallet for the account transfer operating result of intelligent wallet account, the operating result of account transfer is sent to initiate the requestor that transfers accounts simultaneously; Described several clearing houses comprise telecommunications, power supply, water supply, air feed and CNN etc.
5. the construction method of the device realized of an intelligent wallet, it is characterized in that in network of relation, carrying out the setting of data and the construction of relevant device, comprise: build intelligent wallet communication facilities, mobile payment gateway device, and the clearing interface server of each clearing houses that satisfies the requirements and the ecommerce interface server of ecommerce provider are connected to the mobile payment gateway device by the data Internet; Described intelligent wallet communication facilities has the intelligent wallet account of management, handle the ta vservice of intelligent wallet account, handle the ta vservice between bank account and the intelligent wallet account and preserve and manage the account transfer writing function of intelligent wallet account, described intelligent wallet account's system is connected in the short-message system of described mobile phone, when the fund in user's intelligence wallet produces, can receive the short message that account transfer is confirmed on the user's mobile phone, has only after the user confirms that this is transferred accounts the operation of to transfer accounts; After corresponding setting was finished, this device can be carried out the operation of two types of the account transfers of the account transfer of ecommerce type and clearing type.
6. method that intelligent wallet is realized, it is characterized in that: comprise above-mentioned a kind of intelligent wallet and the device realized of a kind of intelligent wallet bank account and the transfer method between the intelligent wallet account of implementing based on Mobile Directory Number, the method that ecommerce is transferred accounts and the method for settlement transfer utilized.
7. the method that a kind of intelligent wallet according to claim 6 is realized, it is characterized in that: the transfer method between described bank account and the intelligent wallet account is meant: the user carries out the account transfer operation of carrying out between bank account and the intelligent wallet by the account transfer interface of bank.
8. the method that a kind of intelligent wallet according to claim 6 is realized, it is characterized in that: the method for described ecommerce account transfer is meant when the user pays by the E-business service interface of ecommerce provider, the E-business service interface prompt user of ecommerce provider imports Mobile Directory Number, and generate identifying code and transfer accounts amount of money message, ecommerce interface server through this ecommerce provider sends to the mobile payment gateway device, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the mobile payment gateway sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the mobile payment gateway device forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the mobile payment gateway device, the mobile payment gateway device forms account transfer and examines short message, and send on this user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server finishes this ecommerce account transfer process after giving this user the message of returning by above-mentioned E-business service interface display; If transfer accounts successfully, then the mobile payment gateway device sends to the successful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes the account transfer process of this ecommerce.
9. the method that a kind of intelligent wallet according to claim 6 is realized, it is characterized in that: the method for described settlement transfer is meant that the clearing interface server of clearing houses sends to the mobile payment gateway device to intelligent wallet user's settlement transfer requests order, the mobile payment gateway device checks by intelligent wallet communication facilities whether this mobile phone user's intelligent wallet has enough transfer funds, if there are not enough transfer funds, the unsuccessful information of mobile payment gateway handle account transfer sends to the clearing interface server of these clearing houses, and the short message that this intelligence wallet user of prompting is deposited in enough funds sends to this intelligence wallet user simultaneously; If enough transfer funds are arranged, the mobile payment gateway device forms account transfer and examines short message, and send on the user's mobile phone through short messaging gateway or sms center, if this mobile phone user replys the short message of this account transfer of cancellation to the mobile payment gateway device through sms center, the information that the mobile payment gateway device is cancelled account transfer to this user sends to the clearing interface server of these clearing houses, finishes this settlement transfer process; If this mobile phone user replys the short message of confirming this account transfer through sms center and arrives the mobile payment gateway device, the mobile payment gateway sends the account transfer operational order to intelligent wallet communication facilities, intelligence wallet communication facilities is carried out the operation of the transfer of financial resources on this intelligence wallet account to this ecommerce provider account No., and an account transfer operating result replies to the mobile payment gateway device, if account transfer is unsuccessful, then the mobile payment gateway device the account transfer unsuccessful information send to these clearing houses the clearing interface server, finish this settlement transfer process; If transfer accounts successfully, then the successful information of mobile payment gateway device handle account transfer sends to the clearing interface server of these clearing houses, finishes the process of this settlement transfer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200510011361 CN1652130A (en) | 2005-02-25 | 2005-02-25 | Intelligent wallet based on mobile phone number and device and method for implementing the same |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200510011361 CN1652130A (en) | 2005-02-25 | 2005-02-25 | Intelligent wallet based on mobile phone number and device and method for implementing the same |
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| Publication Number | Publication Date |
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| CN1652130A true CN1652130A (en) | 2005-08-10 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200510011361 Pending CN1652130A (en) | 2005-02-25 | 2005-02-25 | Intelligent wallet based on mobile phone number and device and method for implementing the same |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007118428A1 (en) * | 2006-04-14 | 2007-10-25 | Wanchun Hou | Safety, Password-free electronic transfer service device and transfer card and method therefor |
| CN102496109A (en) * | 2011-12-29 | 2012-06-13 | 湖南省通信产业服务有限公司 | Mobile financial service system and method thereof |
| US8645971B2 (en) | 2006-12-26 | 2014-02-04 | Visa U.S.A. Inc. | Real-time balance updates |
| CN103635917A (en) * | 2011-04-28 | 2014-03-12 | 迪吉莫集团有限公司 | Carrying out an alternative payment via a user equipment over a wireless network at a point of sale without altering the point of sale |
| CN107369021A (en) * | 2017-06-28 | 2017-11-21 | 北京小米移动软件有限公司 | Information processing method, apparatus and system |
-
2005
- 2005-02-25 CN CN 200510011361 patent/CN1652130A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007118428A1 (en) * | 2006-04-14 | 2007-10-25 | Wanchun Hou | Safety, Password-free electronic transfer service device and transfer card and method therefor |
| US8645971B2 (en) | 2006-12-26 | 2014-02-04 | Visa U.S.A. Inc. | Real-time balance updates |
| CN103635917A (en) * | 2011-04-28 | 2014-03-12 | 迪吉莫集团有限公司 | Carrying out an alternative payment via a user equipment over a wireless network at a point of sale without altering the point of sale |
| CN102496109A (en) * | 2011-12-29 | 2012-06-13 | 湖南省通信产业服务有限公司 | Mobile financial service system and method thereof |
| CN107369021A (en) * | 2017-06-28 | 2017-11-21 | 北京小米移动软件有限公司 | Information processing method, apparatus and system |
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