Mobile telephone payment system and method based on third party clearing

Mobile telephone payment system and method based on third party clearing

  • CN 101,364,330 A
  • Filed: 09/23/2008
  • Published: 02/11/2009
  • Est. Priority Date: 09/23/2008
  • Status: Active Application
First Claim
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1. based on the mobile phone paying system of the interchanger pattern of third party clearance, it is characterized in that, comprise mobile telephone terminal, Mobile Access Gateway equipment, Unionpay'"'"'s transaction gateway equipment, the mobile phone paying database server, described mobile telephone terminal is by mobile communications network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of data network and mobile phone paying database server, is used to realize the information interaction between mobile phone paying database server and the mobile telephone terminal;

  • Unionpay'"'"'s transaction gateway equipment is used to realize transferring accounts between bank account and the interchanger account by data network and the interconnection of mobile phone paying database server;

    Described mobile phone paying database server is the Computer Database application server, be used to the mobile phone user to open the interchanger number of the account, and set up corresponding relation between interchanger number of the account and the Bank Account Number, set up the corresponding relation between Mobile Directory Number and the interchanger number of the account, Payment Request instruction according to mobile telephone terminal, the bank account that realizes the mobile telephone terminal number is transferred accounts to the interchanger number of the account, finishes described interchanger number of the account transferring accounts to the number of the account of mobile payment trade company then;

    The groundwork flow process of described system is that mobile telephone terminal passes through Mobile Access Gateway equipment to the Payment Request of mobile phone paying database server initiation designated amounts to appointment trade company, the mobile phone paying database server retrieves after its corresponding bank card account number and the interchanger number of the account according to the telephone number of described mobile phone, initiate of the transfer accounts operation of described bank card account to Unionpay'"'"'s transaction gateway equipment to the interchanger number of the account, Unionpay'"'"'s transaction gateway equipment returns to described mobile phone paying database server to operating result, if transfer accounts successfully, then the mobile phone paying database server is initiated the transfer accounts operation of described interchanger number of the account to the number of the account of described trade company to Unionpay'"'"'s transaction gateway equipment, Unionpay'"'"'s transaction gateway equipment returns to described mobile phone paying database server to operating result, the mobile phone paying database server sends described response result information of transferring accounts to described mobile telephone terminal, otherwise the mobile phone paying database server sends the unsuccessful response result information of payment to described mobile telephone terminal.

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