CN101329801B - Method for processing mobile phones POS consumptive data and mobile phones POS consumption system - Google Patents
Method for processing mobile phones POS consumptive data and mobile phones POS consumption system Download PDFInfo
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- CN101329801B CN101329801B CN2008101347254A CN200810134725A CN101329801B CN 101329801 B CN101329801 B CN 101329801B CN 2008101347254 A CN2008101347254 A CN 2008101347254A CN 200810134725 A CN200810134725 A CN 200810134725A CN 101329801 B CN101329801 B CN 101329801B
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Abstract
The invention discloses a data processing method for mobile phone POS consumption, which comprises that connection between the mobile phone number and the bank account of a user is established; a mobile phone POS consumption transaction request submitted by the user in the mobile phone banking system is received; the mobile phone banking system generates the mobile phone POS consumption authorization transaction information according to the transaction request; the bank account relevant to the mobile phone number of the user is acquired and verified; if the verification passes, a payment code of the current mobile phone POS consumption transaction is generated and returned to the mobile phone number of the user; the mobile phone number, the transaction amount information and the payment code of the user are input to the POS terminal to generate the corresponding POS consumption request; then the mobile phone number of the user and the payment code are verified and if the mobile phone number and the payment code are proved to be right after verification, a corresponding transaction payment report relevant to the corresponding bank account is generated; the corresponding currency amount is transferred from the bank account of the user to the network account connected to the POS terminal according to the transaction payment report. The data processing method has low cost and improves the security of the POS consumption.
Description
Technical field
The present invention relates to the POS payment technical field, particularly relate to a kind of data processing method of mobile phones POS consumption, a kind of mobile phones POS consumption system, a kind of cell phone bank system and a kind of POS terminal.
Background technology
POS (Point of sales, point-of-sale terminal) is a kind of multi-functional terminal end, generally is furnished with bar code or OCR sign indicating number (Optical character recognition, optical character sign indicating number) terminal reading device.POS system partly is made up of POS terminal, the network equipment, main frame and utility appliance etc., usually be arranged on the cash desk of purchase and consumption places such as supermarket, market, hotel or toll station, its essence is that the data interaction that realized between commercial network and the bank handles, as EFT (Electronic Funds Transfer) etc.
At present, POS has become the aid of the bankcard consumption business that commercial networks such as each market, restaurant, refuelling station extensively provide, the general data interaction process process of POS is: the bank card data (card number, Business Information etc.) that obtains the user, by communication line this bank card data is passed in the bank card service processing system, bank card service processing system carries out data and transfers operation, and operation result information turned back to the POS terminal, thereby finish user's bankcard consumption business.
POS bankcard consumption business processing process with Unionpay is an example, and when the user passed through POS terminal bankcard consumption, at first, the POS terminal was received single file in the mode of telephone wire dialing with user's consumption information transmission; And then forward Unionpay's platform to, after Unionpay's land identification relevant information, the information of withholing is sent to issuing bank; After issuing bank confirmed, return message was to Unionpay's platform; After Unionpay's platform confirmation, information that can will handle again is sent to preposition terminal, and preposition terminal connects the POS machine and prints document, thereby finish a user's bankcard consumption business after receiving information after the affirmation.
At present, the POS consumption mode that this bankcard consumption business is an international mainstream, in this POS consumption flow process, the user initiates payment instruction by this media of bank card.Yet, there is bigger financial risks in this pattern, when user's bank card on the POS machine, swipe the card affirmation, import trading password, when finishing whole consumer sale, the actual subscriber identity information that comprises number of the account, password that in the POS system of businessman site, stayed, have the risk that is stolen and utilizes, security is lower.
Along with the continuous development that bank card is paid by mails, the quick progress of mobile communication technology in the prior art, has proposed following two kinds of mobile-phone payment modes:
First kind, the mobile-phone payment mode of third party's payment platform:
Third party's payment platform is the Secure Payments service of releasing at online transaction, the essence of its running is to be credit intermediary with the payment platform, after buyer's payment, before acknowledging receipt of commodity, temporarily take care of a kind of value-added service of payment for goods for both parties by payment platform.In the prior art, the service of this third party's payment platform mobile-phone payment can be divided into the SMS messaging payment and WAP pays two kinds:
1) SMS messaging payment:
This service is meant by third party's payment platform of handset binding number of the account, and customization mobile-phone payment service, then by the mobile phone SMS messaging to a specific SP note shortcode send specific note instruct finish transfer accounts, shopping etc., type of transaction is instant to account, and the business procedure of this mobile phone consumption generally includes following steps:
A1, payee, payer open the SMS messaging payment services of third party's payment platform in advance;
A2, payer instruct to third party's payment platform assigned number according to the initialize format editing short message;
For example, editor " To
*13900000000
*199.01 " (wherein, 13900000000 is payee's phone number, and 199.01 is Payment Amount) or " To
*Zhiyuan@163.com
*199.01 " (wherein, zhiyuan@163.com is third party's payment platform account number of payee, and 199.01 is Payment Amount) to the assigned number 10663721898 of third party's payment platform.
A3, payer receive and confirm note (comprising receiver information, the amount of money and transaction code);
A4, payer reply transaction code, confirm payment;
A5, payer receive the notifying messages of successful payment;
A6, payee receive the pay the bill notifying messages of account of payer.
Finish the process of user mobile phone payment by above step.
2) WAP payment:
This service is meant by third party's payment platform of handset binding number of the account, and customization mobile-phone payment service, the client by mobile phone login online transaction WAP site (as Taobao's WAP site: wap.taobao.com) browsing page, after choosing commodity, can directly enter the payment page, select to use third party's payment platform account balance modes of payments, cartoon (joint name card of third party's payment platform and the commercial bank) modes of payments, or remaining sum+cartoon mode pays the bill, and the business procedure of this mobile phone consumption generally includes following steps:
B1, buyer's login are chosen commodity and are submitted the request of purchase to;
B2, website checking buyer's identity, and return the checking result;
B3, if checking is passed through, submit information such as consignee's information and deliver goods mode by the buyer to, and select the modes of payments (third party's payment platform account balance modes of payments, the cartoon modes of payments, or the aforementioned dual mode in conjunction with) operation of paying;
After B4, buyer received commodity, login online transaction internet site (as the www.taobao.com of internet site of Taobao) notified third party's payment platform that fund is forwarded on seller's account.
Entity purchase transaction network and virtual shopping trade network are separated from each other, and can't settle accounts alternately yet in practice; That is to say that the user both can't pay, also can't cross the virtual network payment to the commodity IMU of buying in the solid shop/brick and mortar store the commodity of buying on the internet by entity POS settlement system.As can be seen, the mobile-phone payment service of this third party's payment platform belongs to the extension of virtual shopping trade network in essence, still do not solve the problem that entity purchase transaction network and virtual shopping trade network are separated, therefore the range of application of POS machine also is subjected to bigger restriction.
Second kind, RFID non-contact mobile payment mode:
RFID (Radio Frequency Identification) is a REID, it is a kind of contactless automatic identification technology, it is by the automatic recognition objective object of radiofrequency signal and obtain related data, and identification work need not manual intervention, can work in various rugged surroundings.The RFID technology can be discerned high-speed moving object and can discern a plurality of labels simultaneously, and is swift and convenient to operate.The most basic rfid system is made up of three parts: label (Tag), to form by coupling element and chip, and each label has unique electronic code, attached to identifying destination object on the object; Reader (Reader) reads the equipment of (can also write sometimes) label information, can be designed to hand-held or fixed; Antenna (Antenna) transmits radiofrequency signal between label and reader.The complete system of one cover also need possess: data transmission and disposal system.
Adopt this RFID non-contact mobile payment mode, people not only can do shopping by surfing Internet with cell phone, pay on the POS machine of any tame convenience store nearby, can also finish more real-life small amount payment transaction by the RFID mobile phone, its principle of work is:
Pre-stored cellphone subscriber's phone number and trading password in the mobile phone RFID label, perhaps the user sends phone number and trading password for the RFID reader of trade company by the mobile phone RFID keyboard, user's the consumption expenditure is noted consumer's phone number by the RFID reader of trade company, behind the trading password and the consumption amount of money, be aggregated into the bill system of mobile operator, defrayment is drawn by the mobile phone bill and is got, and the user has paid this expense in its mobile phone bill of payment.
As can be seen, this RFID non-contact mobile payment mode needs mobile operator to provide credit for the user.And domestic mobile operator can't provide financial business at present, so adopt this mode need set up a whole set of rfid system; Existing POS machine is transformed or changed, add the RFID read module, make it to possess reading capability; Simultaneously user mobile phone also must be supported the RFID function, and is very high to hardware requirement, thereby causes exploitation, the replacement cost all higher.
Thereby, how a kind of mobile phone consume system of innovation is proposed, on the basis that reduces cost, improves security as far as possible, realize the mobile payment function of mobile phone, promptly allow mobile phone substitute bank card and carry out " swiping the card " consumption, widen the range of application of POS machine, increase the approach of user's cashless payment at the POS machine, solve domestic virtual payment network and POS consumption can't in conjunction with problem, become those skilled in the art and press for one of technical matters of solution.
Summary of the invention
Technical matters to be solved by this invention provides a kind of data processing method of mobile phones POS consumption, in order on the basis of not changing hardware device, realize the mobile payment function of mobile phone, promptly allow mobile phone substitute bank card and carry out " swiping the card " consumption at the POS machine, thereby reduce cost, improve the security of POS consumption, make the user obtain better experience.
Another object of the present invention has provided a kind of mobile phones POS consumption system, a kind of POS terminal and a kind of cell phone bank system, in order to guarantee said method realization and application in practice.
For solving the problems of the technologies described above, the embodiment of the invention provides a kind of data processing method of mobile phones POS consumption, comprising:
Set up the related of user mobile phone number and user's bank account;
The WAP cell phone bank system receives the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone;
Described WAP cell phone bank system generates mobile phones POS consumption authorized transactions information according to described transaction request;
Obtain the bank account of described user mobile phone number association and carry out verification according to described mobile phones POS consumption authorized transactions information;
As if verification succeeds, then generate the payment code of current phone POS consumer sale, described payment code is set to only effective in described time bracket;
Described WAP cell phone bank system is back to mobile phone with described payment code;
The POS terminal receives the input of described user mobile phone number, dealing money information and payment code, and described POS terminal generates corresponding POS consumption request according to described input information;
According to described POS consumption request described user mobile phone number and payment code are carried out verification, if verification is errorless, then the bank account at described user mobile phone number association generates corresponding transaction payment message;
According to described transaction payment message corresponding amount of money data in described user's bank account are transferred the site account that connects to described POS terminal.
Preferably, described method also comprises:
If described data transfer and operate successfully, then return the successful information of payment to the POS terminal.
Preferably, described method also comprises:
Described POS terminal is printed the consumption inventory according to described payment successful information, finishes mobile phones POS consumption.
Preferably, the verification of described bank account comprises:
At the verification that whether links a bank account;
And/or,
At the verification of described bank account state, and whether described bank account remaining sum is more than or equal to the verification of dealing money information.
Preferably, described POS terminal is wired POS terminal.
The embodiment of the invention also discloses a kind of mobile phones POS consumption system, comprising:
Binding module is used to set up the related of user mobile phone number and user's bank account;
The WAP cell phone bank system comprises interface module, transaction generation module, information sending module and returns module; Described interface module is used to receive the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone; Described transaction generation module is used for generating mobile phones POS consumption authorized transactions information according to described transaction request; Described information sending module is used for described mobile phones POS consumption authorized transactions information is sent to account verification module; The described module of returning is used for the payment code that the payment code generation module generates is back to mobile phone;
The POS terminal comprises receiver module, consumption request generation module and communication module; Described receiver module is used to receive the input of described user mobile phone number, dealing money information and payment code; Described consumption request generation module is used for generating corresponding POS consumption request according to described input information; Described communication module is used for described POS consumption request is sent to obligation authority verification module;
Account verification module is used for obtaining the bank account of described user mobile phone number association and carrying out verification according to described mobile phones POS consumption authorized transactions information, if verification succeeds then triggers the payment code generation module;
The payment code generation module is used to generate the payment code of current phone POS consumer sale, and described payment code only is set in described time bracket effectively;
Obligation authority verification module is used for according to described POS consumption request described user mobile phone number and payment code being carried out verification, if verification is errorless, then triggers the transaction message generation module;
The transaction message generation module is used for generating corresponding transaction payment message at the bank account of described user mobile phone number association;
The payment processes module is used for according to described transaction payment message the corresponding amount of money data of described user's bank account being transferred the site account that connects to described POS terminal.
Preferably, described system also comprises:
Payment result is returned module, is used for transferring when operating successfully in described data, returns the successful information of payment to the POS terminal.
Preferably, described POS terminal also comprises:
Output module is used for printing the consumption inventory according to the successful information of described payment.
Preferably, described binding module, account verification module, payment code generation module and obligation authority verification module are positioned at bank's channel transaction aggregation platform; Described transaction message generation module is positioned at the bank preposing platform; Described payment processes module is positioned at bank data and focuses on platform.
The embodiment of the invention also discloses a kind of cell phone bank system, the WAP cell phone bank system is connected with bank data processing system, described bank data processing system is used for obtaining the bank account of user mobile phone number association and carrying out verification according to mobile phones POS consumption authorized transactions information, and described WAP cell phone bank system comprises:
Interface module is used to receive the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone;
The transaction generation module is used for generating mobile phones POS consumption authorized transactions information according to described transaction request;
Information sending module is used for that described mobile phones POS consumption authorized transactions information is sent to described bank data processing system and handles;
The payment code generation module is used for generating the payment code of current phone POS consumer sale when described bank data processing system verification succeeds, and described payment code only is set in described time bracket effectively;
Return module, be used for described payment code is back to mobile phone.
Compared with prior art, the present invention has the following advantages:
A kind of realization mechanism that carries out POS consumption by mobile phone of the proposition of the present invention's innovation, adopt this mechanism can realize the mobile payment function of mobile phone, promptly allow mobile phone substitute bank card and carry out " swiping the card " consumption at the POS machine, widen the range of application of POS machine, increase the approach of user's cashless payment, solve domestic virtual payment network and POS consume can't in conjunction with problem.The present invention is based on unique binding of user mobile phone number and Bank Account Number, initiatively login cell phone bank system by the user, input dealing money and exchange hour segment information are submitted the mobile phones POS consumption transaction request to, cell phone bank system asks to generate the mobile phones POS consumption authorized transactions according to the user who receives, and connects banking system; Related this user's of banking system bank account is carried out checking treatment, if verification succeeds, then generate a payment code (being POS consumption authorization code) with certain timeliness at current transaction, return to cell phone bank system, described payment code is back to user mobile phone number by cell phone bank system; At this moment, the user account fund does not transfer, and just obtains the payment authorization record of similar " eCheck ".When the user need carry out the POS consumption and payment, just can submit this payment code, cell-phone number and dealing money in the POS of trade company site terminal, the POS terminal can generate corresponding POS consumption request according to these inputs and be sent to banking system, banking system is carried out verification to described user mobile phone number and payment code, if affirmation is errorless, then the bank account at described user mobile phone number association generates corresponding transaction payment message; According to described transaction payment message corresponding amount of money data in described user's bank account are transferred the site account that connects to described POS terminal then, thereby the amount of money of finishing a POS consumption transfers operation.As can be seen, the present invention replaces Bank Account Number by cell-phone number and payment code becomes the identify label that enters Mobile banking, has improved the security of POS consumption; Moreover the user is in when consumption, only needs directly in POS machine input handset number and payment code, carry out authentication by Mobile banking then, finish the POS consumer sale, do not need to carry bank card and cash, only need the mobile phone that can surf the Net, the user is simple to operate, and experience is better; In addition, the present invention need not to change hardware device, so exploitation, the replacement cost is lower.
Description of drawings
Fig. 1 is the process flow diagram of the data processing method embodiment of a kind of mobile phones POS consumption of the present invention;
Fig. 2 is the structured flowchart of a kind of mobile phones POS consumption system embodiment of the present invention;
Fig. 3 uses the flow chart of data processing figure that preferred embodiment shown in Figure 2 carries out machine POS consumption in practice;
Fig. 4 is the structured flowchart of a kind of cell phone bank system embodiment of the present invention;
Fig. 5 is the structured flowchart of a kind of POS terminal system embodiment of the present invention.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with the drawings and specific embodiments.
One of core idea of the embodiment of the invention is, unique binding based on user mobile phone number and Bank Account Number, initiatively login cell phone bank system by the user, input dealing money and exchange hour segment information are submitted the mobile phones POS consumption transaction request to, cell phone bank system asks to generate the mobile phones POS consumption authorized transactions according to the user who receives, and connects banking system; Related this user's of banking system bank account is carried out checking treatment, if verification succeeds, then generate a payment code (being POS consumption authorization code) with certain timeliness at current transaction, return to cell phone bank system, described payment code is back to user mobile phone number by cell phone bank system; At this moment, the user account fund does not transfer, and just obtains the payment authorization record of similar " eCheck ".When the user need carry out the POS consumption and payment, just can submit this payment code, cell-phone number and dealing money in the POS of trade company site terminal, the POS terminal can generate corresponding POS consumption request according to these inputs and be sent to banking system, banking system is carried out verification to described user mobile phone number and payment code, if affirmation is errorless, then the bank account at described user mobile phone number association generates corresponding transaction payment message; According to described transaction payment message corresponding amount of money data in described user's bank account are transferred the site account that connects to described POS terminal then, thereby the amount of money of finishing a POS consumption transfers operation.
With reference to figure 1, show the process flow diagram of the data processing method embodiment of a kind of mobile phones POS consumption of the present invention, can may further comprise the steps:
This step is used to set up unique binding relationship of user mobile phone number and this user's Bank Account Number, in practice, described association can be by in linked database, associated data table or associated with, and with the form storage of key-value pair, the present invention does not limit the method for described association.
The mobile phones POS consumption transaction request that step 102, reception user submit at cell phone bank system comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request;
In practice, when the user uses mobile phone login cell phone bank system, can under the wap interface of cell phone bank system, submit dealing money and corresponding exchange hour segment information to, can trigger the cell-phone number that cell phone bank system gets access to this user, form corresponding mobile phones POS consumption transaction request.
In this step, after cell phone bank system is received user's upstream transaction request, can generate corresponding mobile phones POS consumption authorized transactions information, and the connection banking system is carried out the account checking treatment.
Wherein preferably, described verification can comprise:
At the verification that whether links a bank account;
And/or,
At the verification of described bank account state, and whether described bank account remaining sum is more than or equal to the verification of dealing money information.
In practice, if active user's cell-phone number has related bank account, and if described bank account state is normal, and, described bank account remaining sum promptly satisfies the demand of current payment more than or equal to dealing money information, and then decidable is a verification succeeds.
On the contrary, if active user's cell-phone number does not have related bank account, perhaps, the state of described bank account is undesired, and perhaps, described bank account remaining sum is less than dealing money information, then decidable is the verification failure, in this case, then can end this consumer sale.
The payment code of step 105, generation current phone POS consumer sale, described payment code is set to only effective in described time bracket;
Be understandable that described payment code has certain timeliness, generate, be similar to an eCheck, user's bank account is not carried out actual funds transfer and handle at the mobile phones POS consumption transaction request of the current submission of user.
In practice, described POS consumption request can be sent to bank pre-machine, and bank pre-machine is discerned this request for after POS consumption asks, and the connection banking system is carried out the user profile checking treatment.
Amount of money data transfer in the concrete transmission of network, are exactly the packet transmission course of one group of data.In this step, the concrete data handling procedure that described data transfer can for, from the balance data of user's bank account, deduct described dealing money data, in the balance data of the site account that described POS terminal connects, add the operation of described dealing money data.Certainly, transfer the concrete mode of operation for described data, the present invention need not to make any restriction.
Preferably, in embodiments of the present invention, can also comprise:
In this case, more preferably, the embodiment of the invention can also comprise:
Above process shows the process of a kind of mobile phones POS consumption of the present invention.Need to prove, for aforesaid each method embodiment, for simple description, so it all is expressed as a series of combination of actions, but those skilled in the art should know, the present invention is not subjected to the restriction of described sequence of movement, because according to the present invention, some step can adopt other orders or carry out simultaneously.Secondly, those skilled in the art also should know, the embodiment described in the instructions all belongs to preferred embodiment, and related action and module might not be that the present invention is necessary.
With reference to figure 2, show the structured flowchart of a kind of mobile phones POS consumption system embodiment of the present invention, can comprise with lower module:
Binding module 21 is used to set up the related of user mobile phone number and user's bank account;
Cell phone bank system 22 comprises interface module 221, transaction generation module 222, information sending module 223 and returns module 224; Wherein, described interface module 221 is used to receive the mobile phones POS consumption transaction request that the user submits to, comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Described transaction generation module 222 is used for generating mobile phones POS consumption authorized transactions information according to described transaction request; Described information sending module 223 is used for described mobile phones POS consumption authorized transactions information is sent to account verification module; The described module 224 of returning is used for the payment code that payment code generation module 25 generates is back to user mobile phone number;
Payment code generation module 25 is used to generate the payment code of current phone POS consumer sale, and described payment code only is set in described time bracket effectively;
Obligation authority verification module 26 is used for according to described POS consumption request described user mobile phone number and payment code being carried out verification, if verification is errorless, then triggers transaction message generation module 27;
Transaction message generation module 27 is used for generating corresponding transaction payment message at the bank account of described user mobile phone number association;
Preferably, in the present embodiment, can also comprise:
Payment result is returned module, is used for transferring when operating successfully in described data, returns the successful information of payment to the POS terminal.
In this case, the POS terminal 23 in the present embodiment can also comprise:
Output module is used for printing the consumption inventory according to the successful information of described payment.
In the present embodiment, preferred, the verification of 24 pairs of bank accounts of described account verification module can comprise:
At the verification that whether links a bank account;
And/or,
At the verification of described bank account state, and whether described bank account remaining sum is more than or equal to the verification of dealing money information.
In practice, if active user's cell-phone number has related bank account, and if described bank account state is normal, and, described bank account remaining sum promptly satisfies the demand of current payment more than or equal to dealing money information, and then decidable is a verification succeeds.
On the contrary, if active user's cell-phone number does not have related bank account, perhaps, the state of described bank account is undesired, and perhaps, described bank account remaining sum is less than dealing money information, then decidable is the verification failure, in this case, then can end this consumer sale.
In practice, described binding module 21, account verification module 24, payment code generation module 25 and obligation authority verification module 26 can be arranged at bank's channel transaction aggregation platform; Described transaction message generation module 27 can be arranged at the bank preposing platform; Described payment processes module 28 can be arranged at bank data and focus on platform.Accordingly, described payment result is returned module and also can be arranged at bank data and focus on platform.
With reference to figure 3, show and use the data handling procedure that preferred embodiment shown in Figure 2 carries out mobile phones POS consumption, can may further comprise the steps:
Step 301, set up the related of user mobile phone number and user's bank account by binding module;
In practice, described association can be by in linked database, associated data table or associated with, and with the form storage of key-value pair, the present invention does not limit the method for described association.
Step 302, user login cell phone bank system by the interface module of cell phone bank system, and input dealing money information and exchange hour segment information are with current phone number submission mobile phones POS consumption transaction request;
Be understandable that, comprise user mobile phone number, dealing money information and exchange hour segment information in the described transaction request;
The transaction generation module of step 303, cell phone bank system generates mobile phones POS consumption authorized transactions information according to described transaction request, and is sent to bank's channel transaction aggregation platform by information sending module;
The account verification module of step 304, bank's channel transaction aggregation platform is obtained the bank account of described user mobile phone number association and is carried out verification according to described mobile phones POS consumption authorized transactions information, if verification succeeds then triggers payment code generation module execution in step 305;
In this step, the content of verification can comprise:
At the verification that whether links a bank account;
And/or,
At the verification of described bank account state, and whether described bank account remaining sum is more than or equal to the verification of dealing money information.
Step 305, payment code generation module generate the payment code of current phone POS consumer sale, and return to cell phone bank system;
Wherein, described payment code is set to only effective in described time bracket; That is to say that described payment code has certain timeliness, generate, be similar to an eCheck, user's bank account is not carried out actual funds transfer and handle at the mobile phones POS consumption transaction request of the current submission of user.
The module of returning of step 306, cell phone bank system is back to user mobile phone number with described payment code;
Step 307, in the receiver module of POS terminal input user's cell-phone number, dealing money information and payment code, the consumption request generation module by the POS terminal generates corresponding POS consumption request according to described input information then;
The communication module of step 308, POS terminal is sent to bank's channel transaction aggregation platform with described POS consumption request;
Preferably, the communication module of described POS terminal can be connected with bank pre-machine, by bank pre-machine described POS consumption request is sent to obligation authority verification module.In this case, when bank pre-machine identifies current transaction request and is the mobile phones POS consumption request, then this solicited message is sent to bank's channel transaction aggregation platform, carries out checking treatment according to described request information by bank's channel transaction aggregation platform.
The obligation authority verification module of step 309, bank's channel transaction aggregation platform is carried out verification according to described POS consumption request to described user mobile phone number and payment code, if verification is errorless, then triggers transaction message generation module execution in step 310;
Step 310, described transaction message generation module generate corresponding transaction payment message at the bank account of described user mobile phone number association, and connect the payment processes module that bank data focuses on platform, according to described transaction payment message corresponding amount of money data in described user's bank account are transferred the site account that connects to described POS terminal.
In this step, if bank's channel transaction aggregation platform verification is errorless, then the bank account with the association of active user's cell-phone number returns to bank pre-machine, generate complete transaction payment message by bank pre-machine according to this bank account, and connect bank data and focus on platform (as the DCC or the international card center of Construction Bank) and finish payment transaction.
If transferring, the described data of step 311 operate successfully, then bank data focuses on platform and the successful information of operation can also be turned back to the POS terminal by bank pre-machine, the POS terminal is printed the consumption inventory according to this information, finishes the process of a mobile phones POS consumption.
From above-mentioned data handling procedure as can be seen, the present invention need not to change hardware device, adopt original payment mode, promptly directly concentrate place's platform to be connected with bank data by bank preposing, and carry out transaction data and operate, before just on bank preposing, sending payment transaction, need to inquire about to bank's channel transaction aggregation platform earlier the bank account of cell-phone number correspondence, so that generate complete payment message.Bank's channel transaction aggregation platform need not to deposit the information of various trade companies site, the bank account information of cell-phone number correspondence just is provided to bank preposing in the processing procedure, and sends the affirmation transaction to the cellphone subscriber.Thereby exploitation, the replacement cost have greatly been saved.Use the present invention, be used for carrying out pre-paid and handle, the payment required time of trade company's end is shorter, can satisfy POS and pay overtime restriction; Moreover the present invention is not only applicable to the POS of trade company transaction, owing to introduced the theory of similar " mobile phone check ", this pattern may extend into a lot of aspects.
With reference to figure 4, show the structured flowchart of a kind of cell phone bank system embodiment of the present invention, in embodiments of the present invention, cell phone bank system 41 is connected with bank data processing system 42, described bank data processing system 42 can be used for obtaining the bank account of user mobile phone number association and carrying out verification according to mobile phones POS consumption authorized transactions information, and described cell phone bank system 41 can comprise with lower module:
Payment code generation module 414 is used for generating the payment code of current phone POS consumer sale when described bank data processing system 42 verification succeeds, and described payment code only is set in described time bracket effectively;
In practice, described bank data processing system can also comprise that bank pre-machine, bank's channel transaction aggregation platform and bank data focus on platform, described interface module can be closed with mobile radio communication and is connected, and focuses on platform by described bank channel transaction aggregation platform connection bank pre-machine and bank data and carries out data interaction.
Particularly, described interface module can be provided with arbitrarily according to actual needs by those skilled in the art, for example, in conjunction with the present situation of China mobile operator following submodule is set:
S1, the BREW of UNICOM (Binary Runtime Environment for Wireless, vedio on radio binary operation environment) access subsystem:
Responsible processing comes from the BREW of UNICOM mobile phone client's application request.The unification of mobile phone transaction request is done to insert by UNICOM of bank gateway and is handled, and links to each other with the BREW trading server of bank then, carries out transaction processing and distribution by the BREW trading server.This BREW Mobile banking can adopt the mode of private client, requires the client to download Mobile banking of bank client-side program voluntarily, realizes the miscellaneous service function.As individual client's service, account management, account inquiry, transfer accounts, bill payment, fast Correspondent, mobile-phone payment, foreign exchange trading, silver card are transferred accounts, credit card business, common reserve fund business, Mobile banking's Service Management etc.
S2, the WAP of UNICOM access subsystem:
Responsible processing comes from the online transaction request of the WAP of UNICOM access way.WAP Mobile banking of UNICOM adopts the mobile phone browser mode, and the client realizes the miscellaneous service function by landing the WAP site of bank.The whole nation WAP of UNICOM mobile phone client's application request, unified being done by UNICOM of bank gateway inserted processing, link to each other with UNICOM's WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to client's mobile phone.
S3, mobile WAP access subsystem:
Responsible processing comes from the online transaction request of mobile WAP access way.Mobile WAP Mobile banking also adopts the mobile phone browser mode, and the client realizes the miscellaneous service function by landing the WAP site of bank.Whole nation each province and city WAP mobile phone client's application request, doing access respectively by the mobile WAP gateway of locality handles, link to each other with the mobile WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to client's mobile phone.
Preferably, described cell phone bank system can also comprise:
The back-stage management subsystem is used to finish functions such as client's status inquiry, log query, customer data download and various report form statistics.In the back-stage management subsystem, link to each other by the inner management server of back-stage management server with bank channel transaction aggregation platform, can realize such as management functions such as various inquiries, management, forms.
Preferably, described cell phone bank system can also comprise database server: the Various types of data that is used for storage system.
The application architecture of this cell phone bank system can be based on the framework of J2EE, and with other banking system, as Net silver system, CCI system etc., can be used as independently, electronic channel inserts bank's channel transaction aggregation platform.In practice, the user profile of described cell phone bank system and accounts information can be kept at described bank channel transaction aggregation platform, the service logic of transaction can be realized jointly by described interface module and bank's channel transaction aggregation platform, in this case, trade fair is according to nonpenetrating principle, by bank's channel transaction aggregation platform, insert each operation system, as DCC, card center, financing card business system, stock exchange transaction system etc.
Certainly, in embodiments of the present invention, it all is feasible that those skilled in the art adopt any cell phone bank system platform, and only as example, the present invention does not limit this such scheme.
With reference to figure 5, show the structured flowchart of a kind of POS terminal system embodiment of the present invention, described POS terminal system 51 is connected with bank data processing system 52, described bank data processing system 52 can be used for according to POS consumption request described user mobile phone number and payment code being carried out verification, if verification is errorless, then the bank account at described user mobile phone number association generates corresponding transaction payment message, and according to described transaction payment message corresponding amount of money data in described user's bank account is transferred the site account that connects to described POS terminal; If described data transfer and operate successfully, then return the successful information of payment to the POS terminal; Described POS terminal system 51 can comprise with lower module:
Consumption request generation module 512 is used for generating corresponding POS consumption request according to described input information;
For POS terminal system of the present invention, because its realization corresponding to aforementioned mobile phones POS consumption system, so description is fairly simple, relevant part gets final product referring to the explanation of previous embodiment relevant portion, and the present invention has not just given unnecessary details at this.
Preferably, in embodiments of the present invention, described POS terminal can be wired POS terminal.
To sum up, the invention provides a kind of is brand-new POS consumption concept, says from application facet, broken intrinsic bank card POS consumption mode, replace bank card with phone number and carry out the POS payment, save the inconvenience of carrying cash and bank card, the risk of having avoided bank card information to leak; Say that from technical elements the cost that system realizes is low, promoted extension is wide, and application is wide, and novelty and practicality are all very strong.
Need to prove, in an embodiment of the present invention, the description of each embodiment is all emphasized particularly on different fields do not have the part that describes in detail among certain embodiment, can be referring to the associated description of other embodiment.
The present invention can describe in the general context of the computer executable instructions of being carried out by computing machine, for example program module.Usually, program module comprises the routine carrying out particular task or realize particular abstract, program, object, assembly, data structure or the like.Also can in distributed computing environment, put into practice the present invention, in these distributed computing environment, by by communication network connected teleprocessing equipment execute the task.In distributed computing environment, program module can be arranged in the local and remote computer-readable storage medium that comprises memory device.
More than the data processing method of a kind of mobile phones POS consumption provided by the present invention, a kind of mobile phones POS consumption system, a kind of cell phone bank system and a kind of POS terminal system are described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (10)
1. the data processing method of a mobile phones POS consumption is characterized in that, comprising:
Set up the related of user mobile phone number and user's bank account;
The WAP cell phone bank system receives the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone;
Described WAP cell phone bank system generates mobile phones POS consumption authorized transactions information according to described transaction request;
Obtain the bank account of described user mobile phone number association and carry out verification according to described mobile phones POS consumption authorized transactions information;
As if verification succeeds, then generate the payment code of current phone POS consumer sale, described payment code is set to only effective in described time bracket;
Described WAP cell phone bank system is back to mobile phone with described payment code;
The POS terminal receives the input of described user mobile phone number, dealing money information and payment code, and described POS terminal generates corresponding POS consumption request according to described input information;
According to described POS consumption request described user mobile phone number and payment code are carried out verification, if verification is errorless, then the bank account at described user mobile phone number association generates corresponding transaction payment message;
According to described transaction payment message corresponding amount of money data in described user's bank account are transferred the site account that connects to described POS terminal.
2. the method for claim 1 is characterized in that, also comprises:
If described data transfer and operate successfully, then return the successful information of payment to the POS terminal.
3. method as claimed in claim 2 is characterized in that, also comprises:
Described POS terminal is printed the consumption inventory according to described payment successful information, finishes mobile phones POS consumption.
4. as claim 1,2 or 3 described methods, it is characterized in that the verification of described bank account comprises:
At the verification that whether links a bank account;
And/or,
At the verification of described bank account state, and whether described bank account remaining sum is more than or equal to the verification of dealing money information.
5. method as claimed in claim 4 is characterized in that, described POS terminal is wired POS terminal.
6. a mobile phones POS consumption system is characterized in that, comprising:
Binding module is used to set up the related of user mobile phone number and user's bank account;
The WAP cell phone bank system comprises interface module, transaction generation module, information sending module and returns module; Described interface module is used to receive the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone; Described transaction generation module is used for generating mobile phones POS consumption authorized transactions information according to described transaction request; Described information sending module is used for described mobile phones POS consumption authorized transactions information is sent to account verification module; The described module of returning is used for the payment code that the payment code generation module generates is back to mobile phone;
The POS terminal comprises receiver module, consumption request generation module and communication module; Described receiver module is used to receive the input of described user mobile phone number, dealing money information and payment code; Described consumption request generation module is used for generating corresponding POS consumption request according to described input information; Described communication module is used for described POS consumption request is sent to obligation authority verification module;
Account verification module is used for obtaining the bank account of described user mobile phone number association and carrying out verification according to described mobile phones POS consumption authorized transactions information, if verification succeeds then triggers the payment code generation module;
The payment code generation module is used to generate the payment code of current phone POS consumer sale, and described payment code only is set in described time bracket effectively;
Obligation authority verification module is used for according to described POS consumption request described user mobile phone number and payment code being carried out verification, if verification is errorless, then triggers the transaction message generation module;
The transaction message generation module is used for generating corresponding transaction payment message at the bank account of described user mobile phone number association;
The payment processes module is used for according to described transaction payment message the corresponding amount of money data of described user's bank account being transferred the site account that connects to described POS terminal.
7. system as claimed in claim 6 is characterized in that, also comprises:
Payment result is returned module, is used for transferring when operating successfully in described data, returns the successful information of payment to the POS terminal.
8. system as claimed in claim 7 is characterized in that, described POS terminal also comprises:
Output module is used for printing the consumption inventory according to the successful information of described payment.
9. as claim 6,7 or 8 described systems, it is characterized in that described binding module, account verification module, payment code generation module and obligation authority verification module are positioned at bank's channel transaction aggregation platform; Described transaction message generation module is positioned at the bank preposing platform; Described payment processes module is positioned at bank data and focuses on platform.
10. cell phone bank system, it is characterized in that, the WAP cell phone bank system is connected with bank data processing system, described bank data processing system is used for obtaining the bank account of user mobile phone number association and carrying out verification according to mobile phones POS consumption authorized transactions information, and described WAP cell phone bank system comprises:
Interface module is used to receive the mobile phones POS consumption transaction request that mobile phone sends, and comprises user mobile phone number, dealing money information and exchange hour segment information in the described transaction request; Information interaction between WAP cell phone bank system and the user mobile phone adopts the mobile phone browser mode, whole nation WAP cellphone subscriber's application request, unified being done by bank's gateway inserted processing, link to each other with the WAP trading server of bank then, carry out transaction processing and distribution by the WAP trading server, and transaction results translated into the page that mobile phone can be discerned, turn back to user mobile phone;
The transaction generation module is used for generating mobile phones POS consumption authorized transactions information according to described transaction request;
Information sending module is used for that described mobile phones POS consumption authorized transactions information is sent to described bank data processing system and handles;
The payment code generation module is used for generating the payment code of current phone POS consumer sale when described bank data processing system verification succeeds, and described payment code only is set in described time bracket effectively;
Return module, be used for described payment code is back to mobile phone.
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| CN2008101347254A CN101329801B (en) | 2008-07-23 | 2008-07-23 | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system |
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| CN2008101347254A CN101329801B (en) | 2008-07-23 | 2008-07-23 | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system |
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