Unionpay micro-payment system and method based on the combination of cellular phones and second-generation resident ID cards

Unionpay micro-payment system and method based on the combination of cellular phones and second-generation resident ID cards

  • CN 101,964,089 A
  • Filed: 07/24/2009
  • Published: 02/02/2011
  • Est. Priority Date: 07/24/2009
  • Status: Active Application
First Claim
Patent Images

1. little amount of money payment system of Unionpay that mobile phone adds second generation resident identification card, it is characterized in that, described system includes Unionpay cellphones paying centre (1), be arranged at the 3G cash receiving terminal (2) in each shop, each user'"'"'s mobile phone (3) and I.D. (4), mobile switching centre (5), whereinDescribed mobile switching centre (5) is provided with a plurality of virtual gathering telephone number users and sends a telegraph by his mobile phone (3) and call out described virtual gathering telephone number and initiate delivery operation;

  • Described 3G cash receiving terminal (2) is provided with a unique numbering, each the 3G cash receiving terminal (2) that is arranged at same shop, same place is assigned with a unique virtual gathering telephone number, and 3G cash receiving terminal (2) also is provided with the reader device that is used for reading identity card (4) card number and is used for 3G mobile module with Unionpay cellphones paying centre (1) communication;

    Described Unionpay cellphones paying centre (1) records each virtual gathering telephone number, each shop is at each Bank Account Number of merchant bank (6), the numbering of each 3G cash receiving terminal (2), and each virtual gathering telephone number bundled at the Bank Account Number of merchant bank (6) mutually with numbering and this shop of each 3G cash receiving terminal (2) in the shop that is assigned with this virtual gathering telephone number, Unionpay cellphones paying centre (1) also is provided with each user'"'"'s who is used for little amount of money payment disbursement account, each disbursement account is provided with a unique confirmation code, this confirmation code is exactly user'"'"'s I.D. (a

         4) card number, and Unionpay cellphones paying centre (1) bundlees each user'"'"'s disbursement account at the bank card account number of issuing bank (7) mutually with this user'"'"'s mobile phone (3) telephone number and this user;

    Described mobile phone (3) is used for the identity of authenticated and initiates delivery operation;

    Described I.D. (4) is used for authenticating transactions;

    And,Before the payment, the user sends a telegraph the virtual gathering telephone number of calling out the shop by mobile phone (3) and initiates delivery operation, mobile switching centre (5) adopts the identity of the mobile telephone network that this mobile phone (3) inserted at that time as the identity of initiating the disburser, mobile phone (3) telephone number with called virtual gathering telephone number and initiation disburser is sent to Unionpay cellphones paying centre (1) then, and Unionpay cellphones paying centre (1) is sent to the temporary transient storage of pairing each the 3G cash receiving terminal (2) of this virtual gathering telephone number with the surplus and the confirmation code of the pairing disbursement account of this mobile phone (3) telephone number by 3G mobile telephone network (8);

    During payment, the shop cashier is in 3G cash receiving terminal (2) input payment, the user is put into I.D. (4) on the 3G cash receiving terminal (2) and reads card number then, adopt the confirmation code of this card number by 3G cash receiving terminal (2) as authenticating transactions, 3G cash receiving terminal (2) check this card number and confirmation code and check payment be less than surplus all errorless after, just can authenticate this transaction, 3G cash receiving terminal (2) is sent to Unionpay cellphones paying centre (1) with this payment and this confirmation code together with the numbering of 3G cash receiving terminal (2) then, by Unionpay cellphones paying centre (1) from the disbursement account of this confirmation code transfer accounts the money of this payment to the shop of this 3G cash receiving terminal (2) in the bank account of merchant bank (6).

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×