Mobile direct-payment system

A technology of direct payment and registered users, applied in the direction of payment system structure, equipment, data processing applications, etc., can solve the problems of inability to realize the timeliness of direct payment by users, achieve security and rapidity, broad application prospects, and ensure real-time sexual effect

Inactive Publication Date: 2013-12-11
南京爱沓信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] Purpose of the invention: In order to overcome the problem that the existing mobile payment cannot realize the direct payment between users and the timeliness of the payment, the present invention provides a mobile direct payment system, which is not only fast and convenient, but also can ensure that both the payment and payment parties can directly pay on the mobile phone Operation, bank data is exchanged in the background at the same time

Method used

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  • Mobile direct-payment system

Examples

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Embodiment 1

[0029] Such as figure 1As shown, in the mobile direct payment system, the mobile client is installed on the mobile phones of registered user A and registered user B. Registered user A and registered user B respectively log in to the system by entering their registration names and passwords on the mobile client, and the mobile client will receive The registration name and password are packaged and encrypted by a digital certificate and then sent to the data center (the user needs to install a digital certificate when logging in for the first time). Before sending the information, the mobile client first checks whether there is an available network on the mobile terminal. If there is a network, pass the network Send information (that is, the encrypted registration name and password data) to the data center, if there is no network, send it to the data center in the form of a short message; the data center will decrypt the encrypted data after receiving the registered user registra...

Embodiment 2

[0036] If the mobile client of the registered user B is installed on a PC terminal such as a desktop computer, the PC terminal must meet the Internet access requirements, and the mobile client of the registered user B will register the SMS information sent by the mobile client of the registered user A and the data center. It is converted into data and displayed on the display device on the PC terminal; other technical means are the same as in Embodiment 1.

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PUM

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Abstract

The invention discloses a mobile direct-payment system. The mobile direct-payment system comprises mobile phone clients and a data center. Registered users input login names and passwords through the mobile phone clients and log in the system, the login names and the passwords are sent to the data center by the mobile phone clients and are verified by the data center, if the login names and the passwords pass the verification, the users successfully logs in the system. A registered user A can carry out payment after selecting short message payment or data payment through a mobile phone client, then payment information is sent to a registered user B and the data center by the mobile phone client through mobile data channels after the registered user selects a paying mode; payment success information is sent to the registered user A and the registered user B by the data center through the mobile data channels, and deposit banks of the registered users are kept informed of conducting transactions to directly finish payment by the data center. The transactions can be conducted by the registered users anytime and anywhere without being limited by the internet.

Description

technical field [0001] The present invention relates to a mobile direct payment system, in particular to a wireless mobile technology, direct dial-up, mobile data channel, SMS short message channel and WIFI mode, which can quickly execute data command exchange after confirming the transmission data command through the registered user ID system. Background technique [0002] At present, the annual growth rate of mobile e-commerce platforms exceeds 700%, especially with the popularization of 3G networks and the substantial improvement of wireless bandwidth, various mobile payment methods continue to emerge and improve day by day. According to statistics, existing payment methods include: [0003] Barcode payment: This method is a payment between mobile phone users. User A scans the barcode on user B's mobile phone with a camera, and can quickly initiate payment and collection after recognition. [0004] Shake payment, NFC payment: It is a way to share the nearby user account...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/42
Inventor 严春波
Owner 南京爱沓信息技术有限公司
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