CN101866517A - Order transfer and mobile payment method for realizing cross-platform payment - Google Patents
Order transfer and mobile payment method for realizing cross-platform payment Download PDFInfo
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- CN101866517A CN101866517A CN201010208560A CN201010208560A CN101866517A CN 101866517 A CN101866517 A CN 101866517A CN 201010208560 A CN201010208560 A CN 201010208560A CN 201010208560 A CN201010208560 A CN 201010208560A CN 101866517 A CN101866517 A CN 101866517A
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Abstract
The invention provides an order transfer and mobile payment method for realizing cross-platform payment. The method is characterized in that platform transfer is performed on an order by using a mobile phone short message, so that the transaction order information on the platform of the web (WEB) or interactive voice response (IVR) or other channel can reach the mobile phone safely and the user pays the order by using the mobile phone. The method has the advantages of realizing the order payment of the cross-platform payment, and avoiding leak of account information and loss of account asset, along with safety and convenience.
Description
Technical field
The present invention relates to a kind of method that realizes cross-platform (being that WEB changes WAP, IVR commentaries on classics WAP) payment.
Background technology
Development along with China's internet electronic business, there are a feast for the eyes commodity attracting people on the net, but at present, internet channel circumstance complication, the virus wooden horse spreads unchecked, especially in some public arenas such as Internet bar etc., the payment behavior becomes very dangerous when carrying out shopping online during with other people shared computer, user oneself information that may when carrying out online payment, be stolen, bank account, credit card are lost, password is stolen because unsafe online environment causes, online Credit Card Payments is stolen situations such as card number and password by wooden horse, cause property loss in the account.
Except shopping online, teleshopping and TV shopping also are popular among the people, and in this class transaction, the user wants to finish transaction need provide accounts information just can finish payment to voice system, certainly will cause the potential safety hazard of personal account information like this.
On the other hand, along with popularizing of mobile phone, the development of mobile technology, people can be convenient to use the mobile phone transaction operation of paying, because the privacy of mobile phone is good, and are not subjected to the restriction of time and region, and the user can finish transaction whenever and wherever possible.
How excellence application and the mobile-phone payment with the WEB internet combines, and promptly realizes cross-platform payment, avoids the leakage of accounts information, is the problem that we will solve.
Summary of the invention
The objective of the invention is to propose a kind of order transfer of cross-platform payment and method of mobile-phone payment of realizing.Adopt this method to carry out the order payment, have security and convenience.
Core concept of the present invention is: utilize SMS to realize that the order of cross-platform (being that WEB, IVR change WAP) payment shifts, the order that will produce on internet (WEB) or voice call platforms such as (IVR) is transferred on the mobile phone, is finished the payment of this order by mobile phone by the user.
A kind of order transfer of cross-platform payment and method of mobile-phone payment of realizing of the present invention, it is characterized in that, utilizing SMS that order is carried out platform shifts, make on internet (WEB) or voice call (IVR) platform or the trading order form information of other channels can be communicated on the mobile phone safely, finish the payment of this order by the user by mobile phone.
In the said method, specifically may further comprise the steps:
1) user use online computing or TV, when phone is bought commodity or other channel produce order and insert user mobile phone number;
2) this order and cell-phone number are sent to payment platform;
3) payment platform sends the order note and contains the chained address (URL) of payment platform to user mobile phone;
4) user links payment platform with mobile phone, carries out payment operation, finishes mobile-phone payment.
In the said method, user mobile phone links payment platform by the WAP mode.User mobile phone also can go to other payment platform delivery operations such as Mobile banking by payment platform.
In the said method, be sent to payment platform after the cell-phone number encryption again.
The invention has the beneficial effects as follows:
1, since the user on the net or do not relate to Any user fund or accounts information in the call voice, so this method has guaranteed the security of user's fund account, utilize mobile phone WAP payment simultaneously, network environment virus-free, no wooden horse makes the safety of user account information be protected more.
2, the order that utilizes SMS to realize cross-platform (being that WEB, IVR change WAP) payment provided by the invention shifts, store and call center place an order to go on the mobile phone and pay on the net, be not subjected to the restriction of time and region, the user can finish transaction whenever and wherever possible, has great convenience.
Description of drawings
Accompanying drawing is a realization schematic diagram of the present invention.
Embodiment
Further specify the present invention below in conjunction with the drawings and specific embodiments, following embodiment only is used to the present invention is described but not limitation of the present invention.
The method of payment that the present invention realizes is cross-platform (being that WEB, IVR change WAP) is, utilizes SMS, and the order that will produce on platforms such as WEB is transferred on the mobile phone.It is by existing ONLINE, modes such as phone reservations, when the user need buy commodity, import or inform phone number of operator, reservation system generates order with the information such as the commodity amount of money of consumer premise, and this order and cell-phone number sent to payment platform, payment platform sends to the form of this order with note on user's the mobile phone again, short message content also comprises the URL chained address of a payment platform except sequence information, the user clicks this URL address and is connected to payment platform on mobile phone, payment platform returns sequence information, and the payment that accesses to your account of prompting user operating handset.
User mobile phone can link payment platform by the WAP mode, the operation of paying.User mobile phone also can go to other payment platform delivery operations such as Mobile banking by payment platform.Avoid the user at the online directly input of WEB computer bank account password like this, caused the stolen possibility of Bank Account Number and password.
Before order and cell-phone number are sent to payment platform, can send to guarantee this personal information of cell-phone number and order safety earlier to the cell-phone number encryption.Utilize SMS to carry out the method that mobile-phone payment is convenient in the order transfer thereby the present invention is to provide, the purchase intention that will produce on WEB, IVR or other channels or platform changes into the order of mobile-phone payment, just uses mobile phone to pay smoothly.The appearance of this product, networks such as internet, call center and cell phone network have been interconnected at together, and by smooth reception note, to conclude the business and finish smoothly, for current ecommerce should with in shopping online, the payment of call center's teleshopping get through spatio-temporal restriction, the shopping need that any way produces can be finished payment by mobile phone, has started the service platform of a safety for electronic payment.The client can realize that in reality utilization process shopping way by all kinds of means goes to mobile-phone payment, thereby has separated individual purchase information and the personal information of individual in bank account, has avoided unsafe network environment, and has made shopping more random, pays safer.
Claims (5)
1. realize the order transfer of cross-platform payment and the method for mobile-phone payment for one kind, it is characterized in that, utilizing SMS that order is carried out platform shifts, make on internet or the voice call platform or the trading order form information of other channels can be communicated on the mobile phone safely, finish the payment of this order by the user by mobile phone.
2. method according to claim 1 is characterized in that, specifically may further comprise the steps:
1) user use online computing or TV, when phone is bought commodity or other channel produce order and insert user mobile phone number;
2) this order and cell-phone number are sent to payment platform;
3) payment platform sends the order note and contains the chained address of payment platform to user mobile phone;
4) user links payment platform with mobile phone, carries out payment operation, finishes mobile-phone payment.
3. method according to claim 2 is characterized in that user mobile phone links payment platform by the WAP mode.
4. method according to claim 2 is characterized in that, user mobile phone goes to Mobile banking's payment platform delivery operation by payment platform.
5. according to claim 2,3 or 4 described methods, it is characterized in that, be sent to payment platform after the cell-phone number encryption again.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010208560A CN101866517A (en) | 2010-06-24 | 2010-06-24 | Order transfer and mobile payment method for realizing cross-platform payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010208560A CN101866517A (en) | 2010-06-24 | 2010-06-24 | Order transfer and mobile payment method for realizing cross-platform payment |
Publications (1)
| Publication Number | Publication Date |
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| CN101866517A true CN101866517A (en) | 2010-10-20 |
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| CN201010208560A Pending CN101866517A (en) | 2010-06-24 | 2010-06-24 | Order transfer and mobile payment method for realizing cross-platform payment |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102609843A (en) * | 2012-01-20 | 2012-07-25 | 曹玮 | Commercial scheme of merchant code information payment confirmation system |
| CN102724567A (en) * | 2012-05-17 | 2012-10-10 | 深圳Tcl新技术有限公司 | Information delivery method and device and intelligent terminal |
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
| CN103530765A (en) * | 2013-10-25 | 2014-01-22 | 乐视网信息技术（北京）股份有限公司 | Method, device and system for paying by smart television |
| CN104751322A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Method and device for enabling data processing webpage |
| CN104809612A (en) * | 2015-04-23 | 2015-07-29 | 联动优势电子商务有限公司 | Order payment method, server and mobile terminal |
| WO2017193741A1 (en) * | 2016-05-09 | 2017-11-16 | 阿里巴巴集团控股有限公司 | Payment authentication method, apparatus and system for onboard terminal |
| CN111951076A (en) * | 2020-08-13 | 2020-11-17 | 中国民航信息网络股份有限公司 | Order payment method and device, storage medium and electronic equipment |
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| JP2002092320A (en) * | 2000-09-14 | 2002-03-29 | Ntt Electornics Corp | Electronic settling system, electronic settling method, and portable telephone having electronic settling function |
| CN101072384A (en) * | 2007-06-20 | 2007-11-14 | 中国工商银行股份有限公司 | Mobile phone payment method and system based on mobile phone bank |
| CN101165217A (en) * | 2007-08-08 | 2008-04-23 | 中国铝业股份有限公司 | Humid cathode carbon block with high graphite basal body and producing method thereof |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| JP2002092320A (en) * | 2000-09-14 | 2002-03-29 | Ntt Electornics Corp | Electronic settling system, electronic settling method, and portable telephone having electronic settling function |
| CN101072384A (en) * | 2007-06-20 | 2007-11-14 | 中国工商银行股份有限公司 | Mobile phone payment method and system based on mobile phone bank |
| CN101165217A (en) * | 2007-08-08 | 2008-04-23 | 中国铝业股份有限公司 | Humid cathode carbon block with high graphite basal body and producing method thereof |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102609843A (en) * | 2012-01-20 | 2012-07-25 | 曹玮 | Commercial scheme of merchant code information payment confirmation system |
| CN102724567A (en) * | 2012-05-17 | 2012-10-10 | 深圳Tcl新技术有限公司 | Information delivery method and device and intelligent terminal |
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
| CN103530765A (en) * | 2013-10-25 | 2014-01-22 | 乐视网信息技术（北京）股份有限公司 | Method, device and system for paying by smart television |
| CN104751322A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Method and device for enabling data processing webpage |
| WO2015101330A1 (en) * | 2013-12-31 | 2015-07-09 | Tencent Technology (Shenzhen) Company Limited | Method and apparatus for opening data processing page |
| CN104809612A (en) * | 2015-04-23 | 2015-07-29 | 联动优势电子商务有限公司 | Order payment method, server and mobile terminal |
| WO2017193741A1 (en) * | 2016-05-09 | 2017-11-16 | 阿里巴巴集团控股有限公司 | Payment authentication method, apparatus and system for onboard terminal |
| CN111951076A (en) * | 2020-08-13 | 2020-11-17 | 中国民航信息网络股份有限公司 | Order payment method and device, storage medium and electronic equipment |
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Application publication date: 20101020 |