CN101334875A

CN101334875A - Method and system for payment in instant mutual bank transfer by mobile phone

Info

Publication number: CN101334875A
Application number: CNA2007100761036A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2007-06-25
Filing date: 2007-06-25
Publication date: 2008-12-31

Abstract

The invention relates to a method of payment by mutual account transfer through mobile phones and a system thereof. A payee and a payer in advance package each bank account number with each mobile phone number in an account transfer center(1), after setting each payment password, the payee sends collection request information to the account transfer center(1) by a mobile phone(201) thereof during the payment by account transfer, the payer sends payment request information to the account transfer center(1), and after the account transfer center(1) reviews the collection request information of the payee and the payer checks that the payment request information is correct, the amount required in the payment request information is transferred from the bank account packaged with the mobile phone of the payer to the bank account packaged with the mobile phone of the payee. The method is characterized in that the payee and the payer can transfer account at any time and any place, and only by carrying out relative operation by mobile phone(2), money in the bank account of the payer can be transferred into the bank account of the payee.

Description

Method and system for instantly transferring accounts and paying with mobile phone

[ technical field ] A method for producing a semiconductor device

The invention relates to the field of bank electronic payment, in particular to a method for mutual transfer payment by adopting a mobile phone.

[ technical background ] A method for producing a semiconductor device

Because of the rapid development of computer technology and communication technology, electronic payment has been developed in the banking industry, many banks have developed online banking services, some have developed mobile banking services, and users can make various payments through these services, these online banking services and mobile banking services are generally set up for payers, that is, payers can access to the internet through computers or make payments through mobile phones, and as payers, generally become special merchants of banks, payers need to set up POS systems, and send money collection data to banks through POS systems, and banks can only deposit money into the accounts of payers after receiving the money collection data and the money paid by payers, because the fees paid by the POS systems are not few, some small stores that cannot afford to set up the fees of POS machines cannot receive money by electronic payment methods, the arrangement of the human hand to deposit the cash collected by the business office into the bank is inconvenient and unsafe.

In addition, at present, a general bank user wants to transfer money to other bank users, can only handle the money at the bank counter in office time, and generally can not transfer money between the user and the user through online banking services and mobile banking services, so that the application range of the online banking services and the mobile banking services is limited, and the user is quite inconvenient.

[ summary of the invention ]

The invention aims to provide a method and a system for mutually and immediately transferring accounts and paying by using a mobile phone, so as to realize the application of transferring accounts and paying between bank users.

The invention is realized in such a way, the method for mutual transfer payment by using mobile phones is characterized in that a payee sends out the information of a money receiving request to a transfer payment center (1) through a mobile phone (201), a payer sends out the information of confirmed payment to the transfer payment center (1), and after the transfer payment center (1) checks the information of the money receiving request of the payee and the information of confirmed payment of the payer, the money of the payment amount appointed by the content of the information of the transfer payment request in a bank card account bound by the mobile phone number of the payer is transferred to the bank card account bound by the mobile phone number of the payee;

wherein,

the bank card account is a debit card account, a credit card account, a withdrawal card account, a bank account, an account opened by a user in a financial institution, or the like.

And, adopt such a system of payment of transferring accounts with each other by mobile phone, adopt the above-mentioned method of payment of transferring accounts with each other by mobile phone, characterized by that, the said system includes the payment center of transferring accounts (1), the mobile phone (2), the bank of issuing cards (3), the bank of gathering (4), the mobile phone network (5), bind the terminal machine (6), the bank card (7),

wherein,

the transfer payment center (1) is connected with account computer systems of all banks, and comprises account computer systems of all card issuing banks (3) and all receiving banks (4), and is mainly used for processing and checking receiving request information sent by a receiver and confirmed payment information sent by a payer, and performing related transfer work after checking the receiving request information and confirming the correct content of the payment information, and the transfer payment center (1) is connected with a mobile phone network (5), exchanges information data with all mobile phones (2) through the mobile phone network (5), and comprises receiving request information, confirmed payment information sent by the payer and the like, and the transfer payment center (1) simultaneously stores account records of all users, wherein the account records store mobile phone numbers, bank card passwords, payment passwords, receipt and refund passwords of the users, Setting password and login password for account; the transfer payment center (1) can be a computer center of a Unionpay network or a computer center of a payment network with the same function as the Unionpay network;

the mobile phone (2) is the mobile phone of a user and comprises a mobile phone (201) of a payee and a mobile phone (202) of a payer, wherein the mobile phone (201) of the payee is a mobile phone with an internet surfing function and can be connected to a webpage of the transfer payment center (1) through a mobile phone network (5);

the card issuing bank (3) is a bank which issues a bank card (7) of a payer;

the collection bank (4) is a bank which issues a bank card (7) of a payee;

the mobile phone network (5) is a common mobile phone network, including a GSM mobile phone network, a CDMA mobile phone network, a 3G mobile phone network, a 4G mobile phone network, etc.;

the binding terminal (6) is provided with a keyboard and a card swiping machine, is connected with the transfer payment center (1), and is mainly used for transmitting the bank card number and the mobile phone number of the bank card (7) of the user to the transfer payment center (1) for further processing when the user carries out a procedure of binding the bank card number and the mobile phone number.

This achieves the object of the invention.

The invention has the advantages that the bank user and the bank user can transfer money by using the mobile phone (2) at any time and any place, and no matter a payee or a payer uses the mobile phone (2) to perform corresponding operation, the money in the bank card account of the payer can be transferred into the bank card account of the payee.

[ description of the drawings ]

FIG. 1 is a pictorial schematic illustration of the structure of the instant transfer payment system using cell phones of the present invention;

FIG. 2 is a diagram illustrating steps of a user binding a bank card number and a mobile phone number;

FIG. 3 is a step explanatory diagram of a transfer payment operation initiated by a receiver;

FIG. 4 is a step explanatory diagram of a transfer payment operation initiated by a payer;

fig. 5 is a diagram illustrating steps of a transfer payment operation initiated by a receiver through a receiving terminal (8);

FIG. 6 is a diagram illustrating steps of a transfer payment operation initiated by a payer with a payee collecting via a collection terminal (8);

FIG. 7 is a step explanatory diagram of a refund operation initiated by a payee;

fig. 8 is a diagram illustrating steps of a refund operation initiated by a payee through the payee terminal (8);

in the drawings, like numerals refer to like systems, devices, components, and parts, and method steps are represented by circled numerals and lines with arrows. The drawings are schematic to illustrate the major steps of the system and method of the present invention.

[ detailed description ] embodiments

The method of the present invention will be described in further detail below with reference to the accompanying drawings.

Referring to fig. 1 and 2, fig. 1 is a pictorial schematic explanatory view of the structure of the instant transfer payment system using mobile phones of the present invention, fig. 2 is an explanatory view of the steps of a binding procedure of a bank card number and a mobile phone number by a user, the system shown in the figure comprises a transfer payment center (1), a mobile phone (2), an issuing bank (3), a receiving bank (4), a mobile phone network (5), a binding terminal (6), and a bank card (7),

wherein,

the card issuing bank (3) is a bank which issues a bank card (7) of a payer;

the collection bank (4) is a bank which issues a bank card (7) of a payee;

With continued reference to fig. 2, the method shown in the figure further includes the following group a steps, which is a step in which the user binds the mobile phone number and the bank card number, and the specific steps are as follows:

A1. a user puts a bank card (7) on a binding terminal machine (6) for swiping the card, then inputs a bank card password of the bank card (7) and a mobile phone number of the user on the binding terminal machine (6), and the binding terminal machine (6) transmits data such as the bank card number, the bank card password, the mobile phone number and the like to a transfer payment center (1) and prints a receipt to the user;

A2. after the transfer payment center (1) checks that the data such as the bank card number, the bank card password, the mobile phone number and the like are correct, the data such as the bank card number, the bank card password, the binding commission amount, the bank account number of the transfer payment center (1) and the like are transmitted to a card issuing bank (3) of the bank card to request for transfer;

A3. after the card issuing bank (3) checks the bank card number, the bank card password, the binding commission amount and the bank account number of the transfer payment center (1) to be correct, money of the binding commission amount is transferred from the account of the bank card number to the transfer payment center (1) in the bank account of the collection bank (4), after the transfer is successful, the transfer payment center (1) opens an account record of a user in a customer database, and data such as the bank card number, the bank card password, the mobile phone number and the like are stored in the account record;

A4. the user dials an account of the transfer payment center (1) to set a telephone number within a specified time by using the mobile phone (2), the transfer payment center (1) receives an incoming call of the mobile phone (2) of the user, finds the mobile phone number of the user from the incoming call number, reads out prompt information from the user through computer voice after finding an account record of the user from the mobile phone number of the user in a customer database, and guides the user to input data such as a payment password, a refund receiving password, an account setting password, a login password and the like through the mobile phone (2);

A5. after the user successfully inputs the payment password, the refund receiving password, the account setting password, the login password and other data, the transfer payment center (1) stores the payment password, the refund receiving password, the account setting password, the login password and other data into the account record of the user in the client database, and sends a short message to the mobile phone (2) of the user to inform the user that the binding procedure of the bank card number and the mobile phone number is completed, so that the user can start to use the mobile phone (2) to perform transfer payment.

Before the method of the invention is used for transferring payment, a payee and a payer need to bind the bank card number and the mobile phone number of the payee and the payer through a binding terminal (6) and set data such as a payment password, a refund password, an account setting password, a login password and the like in a transferring payment center (1) before the operation of transferring payment mutually by using the mobile phone can be started, in a binding procedure, the transferring payment center (1) can charge account binding commission through a bank card account of a user, the invention verifies the identity of the user by using a charging mode, if the charging is successful, the user is the owner of the bank card, in addition, the user needs to dial the account of the transferring payment center (1) by using the mobile phone (2) within a specified time to set the phone number and then set the data of the account, thus ensuring that the mobile phone (2) is the mobile phone owned by the user, after the data of the account is set, the user can only perform the operation of mutual transfer payment by using the mobile phone.

Referring to fig. 3, fig. 3 is a diagram illustrating steps of a transfer payment operation initiated by a receiver, and the method shown in the diagram further includes the following group B steps, which are steps of a transfer payment operation initiated by a receiver, and the specific steps are as follows:

B1. the method comprises the steps that a payee uses a mobile phone (201) of the payee to connect to a webpage of a transfer payment center (1) through a mobile phone network (5), the mobile phone number of the payee is input as a payee login name, a correct payee login password is input, the transfer payment center (1) finds out account record data of the payee in a customer database after checking that the payee login name and the payee login password are correct, and the mobile phone (201) of the payee logs in the webpage of the transfer payment center (1) successfully;

B2. the payee inputs the collection request information through the mobile phone (201) of the payee according to the indication of the webpage of the transfer payment center (1); the collection request information comprises the payment amount, the mobile phone number or the bank card number of the payer, the description of the collection item and other data;

B3. after the transfer payment center (1) checks that the payment amount, the mobile phone number or the bank card number of the payer, the description of the collection item and other data are correct, the account record data of the payer is found out from the client database according to the mobile phone number or the bank card number of the payer, and then the transfer payment center (1) dials the mobile phone number of the payer; the account record data of the payer comprises data such as a mobile phone number of the payer, a bank card password of the payer, a payment password of the payer and the like;

B4. the mobile phone (202) of the payer receives the incoming call, the incoming call is known as the incoming call of the transfer payment center (1) from the incoming call number, after the answer of the payer, the transfer payment center (1) reads out the data such as the payment amount and the description of the collection item through computer voice, if the payer agrees to pay the payment amount of the collection item, the payment confirmation information is input on the mobile phone (202) of the payer; the payment confirmation information comprises a payment password of the payer;

B5. the transfer payment center (1) checks the confirmed payment information input by the payer with the account record of the payer in the customer database after receiving the confirmed payment information input by the payer, and transmits the data such as the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and the like to a card issuing bank (3) of the bank card of the payer to request transfer after checking the payment password to be correct;

B6. after the card issuing bank (3) checks the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and other data to be correct, the money of the payment amount is transferred from the account of the bank card number of the payer to the account of the bank card number of the payee in the collection bank (4);

B7. after the transfer is successful, the transfer payment center (1) stores the detailed data of the transfer payment in the transaction record in the customer database, and sends the successful information of the collection to the mobile phone (201) of the receiver through the webpage of the transfer payment center (1);

B8. the transfer payment center (1) sends a short message to a mobile phone (202) of the payer to inform the payer of the detailed information about transfer payment.

In the above B group steps, the payee collects the money to the payer through the steps, the method of the step is also suitable for the purpose of collection in a small shop, as long as the shop passes the bank account of the shop and the telephone number of the payee hand machine through the binding program of the above A group steps, the shop can use the mobile phone (201) as a collection device, and the guest can use the mobile phone (202) of the guest and the bank card account of the guest to transfer the money and pay when consuming, purchasing and paying.

Referring to fig. 4, fig. 4 is an explanatory view of the steps of a transfer payment operation initiated by a payer, and the method shown in the figure further includes the following group C steps, which are steps of a transfer payment operation initiated by a payer, and the specific steps are as follows:

C1. the payer dials the payment telephone number of the transfer payment center (1) by using the own mobile phone (202), and after receiving an incoming call, the transfer payment center (1) finds the mobile phone number of the payer from the incoming call number, and finds the account record data of the payer from the mobile phone number of the payer in a customer database; the account record data of the payer comprises data such as a mobile phone number of the payer, a bank card password of the payer, a payment password of the payer and the like;

C2. after the transfer payment center (1) receives the incoming call of the payer, the prompt message is read out to the payer through computer voice, and the payer is guided to input the payment password, the payment amount, the mobile phone number or the bank card number of the payee, the collection password and other payment confirmation information of the payer on the mobile phone (202); the collection password is a number which is self-defined by the payer, the payer needs to inform the collection password to the payee, and the payee can successfully collect the money only by inputting the correct collection password during collection;

C3. after the payer successfully inputs the confirmed payment information, the transfer payment center (1) checks that the payment password, the payment amount, the mobile phone number or the bank card number of the payee, the collection password and other data of the payer in the confirmed payment information are correct, the confirmed payment information is temporarily stored in a customer database for a specified temporary storage time T, and when the time for temporarily storing the confirmed payment information in the customer database reaches or exceeds the temporary storage time T, the transfer payment center (1) automatically deletes the confirmed payment information; the temporary storage time T ranges from 1 second to 24 hours, and is preferably 5 minutes;

C4. the method comprises the steps that a payee uses a mobile phone (201) of the payee to connect to a webpage of a transfer payment center (1) through a mobile phone network (5), then the mobile phone number of the payee is input as a payee login name, and a correct payee login password is input, after the transfer payment center (1) checks that the payee login name and the payee login password are correct, account record data of the payee is found out in a customer database, and the mobile phone (201) of the payee successfully logs in the webpage of the transfer payment center (1);

C5. the payee inputs the collection request information through the mobile phone (201) of the payee according to the indication of the webpage of the transfer payment center (1); the collection request information comprises data such as payment amount, collection password and the like; the payee password is the payee password input by the payer in the step C2;

C6. after receiving the receiving request information input by the receiver, the transfer payment center (1) finds out the payment confirmation information matched with the mobile phone number or the bank card number of the receiver in the payment confirmation information temporarily stored in the customer database, when the transfer payment center (1) finds the payment confirming information matched with the phone number or the bank card number of the payee in the payment confirming information temporarily stored in the customer database, the transfer payment center (1) checks the information content of the payment request inputted by the receiver in the step C5 with the matched payment confirmation information, checks the payment amount and the payment password and other data without errors, transmitting the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card account of the payee and other data to the card issuing bank of the bank card of the payer to request the transfer of money, and deleting the confirmed payment information in the customer database;

C7. after the card issuing bank (3) checks the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and other data to be correct, the money of the payment amount is transferred from the account of the bank card number of the payer to the account of the bank card number of the payee in the collection bank (4);

C8. after the transfer is successful, the transfer payment center (1) stores the detailed data of the transfer payment in the transaction record in the customer database, and sends the successful information of the collection to the mobile phone (201) of the receiver through the webpage of the transfer payment center (1);

C9. the transfer payment center (1) sends a short message to a mobile phone (202) of the payer to inform the payer of the detailed information about transfer payment.

Compared with the previous B group step, the C group step is mainly characterized in that the transfer payment operation of the B group step is initiated by a payee, the transfer payment operation of the C group step is initiated by a payment payee, and in the C group step, the bank card number of the payer and the mobile phone number of the payer are not revealed to the payee, so that the personal privacy of the payer can be guaranteed, particularly some social celebrities do not generally want to disclose the mobile phone number and the bank card number of the payer.

In addition, the payee may use the mobile phone (201) as a money receiving device, or may use the money receiving terminal (8) to receive the money through the internet (9), and the embodiment shown in fig. 5 and 6 is a step of performing a money receiving operation using the money receiving terminal (8) instead of the mobile phone (201).

Referring to fig. 5, fig. 5 is a diagram illustrating steps of a transfer payment operation initiated by a payee through a payee terminal (8), and the method shown in the drawing further includes the following D-group steps, which are steps of a transfer payment operation initiated by a payee through a payee terminal (8), and the specific steps are as follows:

D1. the method comprises the steps that a payee uses a self-payee terminal (8) to be connected to a webpage of a transfer payment center (1) through an internet (9), the mobile phone number of the payee is input as a payee login name, a correct payee login password is input, the transfer payment center (1) finds out account record data of the payee in a customer database after checking that the payee login name and the payee login password are correct, and the payee terminal (8) of the payee successfully logs in the webpage of the transfer payment center (1); the cash-collecting terminal (8) is a device which can be connected with an internet (9) and comprises a computer terminal capable of surfing the internet, a POS machine capable of surfing the internet, a mobile phone capable of surfing the internet and the like;

D2. the payee inputs the collection request information through a collection terminal (8) of the payee according to the indication of the webpage of the transfer payment center (1); the collection request information comprises the payment amount, the mobile phone number or the bank card number of the payer, the description of the collection item and other data;

D3. after the transfer payment center (1) checks that the payment amount, the mobile phone number or the bank card number of the payer, the description of the collection item and other data are correct, the account record data of the payer is found out from the client database according to the mobile phone number or the bank card number of the payer, and then the transfer payment center (1) dials the mobile phone number of the payer; the account record data of the payer comprises data such as a mobile phone number of the payer, a bank card password of the payer, a payment password of the payer and the like;

D4. the mobile phone (202) of the payer receives the incoming call, the incoming call is known as the incoming call of the transfer payment center (1) from the incoming call number, after the answer of the payer, the transfer payment center (1) reads out the data such as the payment amount and the description of the collection item through computer voice, if the payer agrees to pay the payment amount of the collection item, the payment confirmation information is input on the mobile phone (202) of the payer; the payment confirmation information comprises a payment password of the payer;

D5. the transfer payment center (1) checks the confirmed payment information input by the payer with the account record of the payer in the customer database after receiving the confirmed payment information input by the payer, and transmits the data such as the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and the like to a card issuing bank (3) of the bank card of the payer to request transfer after checking the payment password to be correct;

D6. after the card issuing bank (3) checks the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and other data to be correct, the money of the payment amount is transferred from the account of the bank card number of the payer to the account of the bank card number of the payee in the collection bank (4);

D7. after the transfer is successful, the transfer payment center (1) stores the detailed data of the transfer payment in the transaction record in the customer database, and sends the successful information of the collection to the collection terminal (8) of the receiver through the webpage of the transfer payment center (1);

D8. the transfer payment center (1) sends a short message to a mobile phone (202) of the payer to inform the payer of the detailed information about transfer payment.

Referring to fig. 6, fig. 6 is a view illustrating steps of a transfer payment operation initiated by a payer and a payee receiving money through a receiving terminal (8), the method shown in the figure further includes the following E-group steps, which are steps of a transfer payment operation initiated by a payer and a payee receiving money through a receiving terminal (8), and the specific steps are as follows:

E1. the payer dials the payment telephone number of the transfer payment center (1) by using the own mobile phone (202), and after receiving an incoming call, the transfer payment center (1) finds the mobile phone number of the payer from the incoming call number, and finds the account record data of the payer from the mobile phone number of the payer in a customer database; the account record data of the payer comprises data such as a mobile phone number of the payer, a bank card password of the payer, a payment password of the payer and the like;

E2. after the transfer payment center (1) receives the incoming call of the payer, the prompt message is read out to the payer through computer voice, and the payer is guided to input the payment password, the payment amount, the mobile phone number or the bank card number of the payee, the collection password and other payment confirmation information of the payer on the mobile phone (202); the collection password is a number which is self-defined by the payer, the payer needs to inform the collection password to the payee, and the payee can successfully collect the money only by inputting the correct collection password during collection;

E3. after the payer successfully inputs the confirmed payment information, the transfer payment center (1) checks that the payment password, the payment amount, the mobile phone number or the bank card number of the payee, the collection password and other data of the payer in the confirmed payment information are correct, the confirmed payment information is temporarily stored in a customer database for a specified temporary storage time T, and when the time for temporarily storing the confirmed payment information in the customer database reaches or exceeds the temporary storage time T, the transfer payment center (1) automatically deletes the confirmed payment information; the temporary storage time T ranges from 1 second to 24 hours, and is preferably 5 minutes;

E4. the method comprises the steps that a payee uses a payee terminal (8) of the payee to connect to a webpage of a transfer payment center (1) through an internet (9), then the mobile phone number of the payee is input as a payee login name, and a correct payee login password is input, after the transfer payment center (1) checks that the payee login name and the payee login password are correct, account record data of the payee are found out in a customer database, and the payee terminal (8) of the payee successfully logs in the webpage of the transfer payment center (1); the cash-collecting terminal (8) is a device which can be connected with an internet (9) and comprises a computer terminal capable of surfing the internet, a POS machine capable of surfing the internet, a mobile phone capable of surfing the internet and the like;

E5. the payee inputs the collection request information through a collection terminal (8) of the payee according to the indication of the webpage of the transfer payment center (1); the collection request information comprises data such as payment amount, collection password and the like; the payee password is the payee password input by the payer at step E2;

E6. after receiving the receiving request information input by the receiver, the transfer payment center (1) finds out the payment confirmation information matched with the mobile phone number or the bank card number of the receiver in the payment confirmation information temporarily stored in the customer database, when the transfer payment center (1) finds the payment confirming information matched with the phone number or the bank card number of the payee in the payment confirming information temporarily stored in the customer database, the transfer payment center (1) checks the information content of the payment request inputted by the receiver in the step E5 with the matched payment confirmation information, checks the payment amount and the payment password and other data without errors, transmitting the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card account of the payee and other data to the card issuing bank of the bank card of the payer to request the transfer of money, and deleting the confirmed payment information in the customer database;

E7. after the card issuing bank (3) checks the bank card number of the payer, the bank card password of the payer, the payment amount, the bank card number of the payee and other data to be correct, the money of the payment amount is transferred from the account of the bank card number of the payer to the account of the bank card number of the payee in the collection bank (4);

E8. after the transfer is successful, the transfer payment center (1) stores the detailed data of the transfer payment in the transaction record in the customer database, and sends the successful information of the collection to the collection terminal (8) of the receiver through the webpage of the transfer payment center (1);

E9. the transfer payment center (1) sends a short message to a mobile phone (202) of the payer to inform the payer of the detailed information about transfer payment.

The method and the system of the invention not only can carry out the functions of transferring accounts, paying and the like, but also have the function of refunding, and are particularly suitable for the payment purposes of online shopping, telephone ticket booking and the like, for example, a payer orders an air ticket by a telephone, and pays by adopting the method of the invention, when the journey of the payer is changed and the ticket needs to be refunded, the F group steps or the G group steps shown in the following figure 7 or figure 8 can be adopted for refunding, and the money can be immediately saved into a bank card of the payer after the refund is successful.

Referring to fig. 7, fig. 7 is an explanatory view of the steps of the refund operation initiated by the payee, and the method shown in the figure further includes the following F group of steps, which are the steps of the refund operation initiated by the payee, and the specific steps are as follows:

F1. the method comprises the steps that a payee uses a mobile phone (201) of the payee to connect to a webpage of a transfer payment center (1) through a mobile phone network (5), then the mobile phone number of the payee is input as a payee login name, and a correct payee login password is input, after the transfer payment center (1) checks that the payee login name and the payee login password are correct, account record data of the payee is found out in a customer database, and the mobile phone (201) of the payee successfully logs in the webpage of the transfer payment center (1);

F2. the payee enters a refund webpage of the transfer payment center (1) by operating a mobile phone (201) of the payee according to the indication of the webpage of the transfer payment center (1), the transfer payment center (1) finds out all received transaction records of the payee in a customer database, and guides the payee to press a key on the mobile phone (201) to select the transaction record needing refund through the indication of the refund webpage;

F3. the transfer payment center (1) finds the phone number of the payee and the phone number of the payer from the transaction record content needing refund, and dials the phone number of the payee;

F4. the mobile phone (201) of the receiver receives the incoming call, the incoming call of the transfer payment center (1) is known from the incoming call number, after the receiver answers, the transfer payment center (1) reads out the payment amount of the transaction record needing refund and the description of the receiving item through computer voice, if the receiver agrees to refund the payment amount of the receiving item to the payer, the confirmation refund information is input on the mobile phone (201) of the receiver; the refund confirmation information comprises a payment password of the payee;

F5. after the transfer payment center (1) receives the confirmed refund information input by the payee, the confirmed refund information input by the payee is checked with the account record of the payee in the customer database, and after the payment password in the confirmed refund information is checked to be correct, the transfer payment center (1) dials the mobile phone number of the payer;

F6. the mobile phone (202) of the payer receives the incoming call, the incoming call is known as the incoming call of the transfer payment center (1) from the incoming call number, after the answer of the payer, the transfer payment center (1) reads the data such as the payment amount of the transaction record needing refund and the description of the collection item through computer voice, if the payer agrees to withdraw the payment amount of the transaction, the confirmation refund information is input on the mobile phone (202) of the payer; the confirmed refund information comprises a refund receiving password of the payer;

F7. the transfer payment center (1) receives the confirmation, receipt and refund information input by the payer, checks the confirmation, receipt and refund information input by the payer with the account record of the payer in the customer database, and transmits the data such as the bank card number of the payee, the bank card password of the payee, the payment amount, the bank card number of the payer and the like to a payee bank (4) of the bank card of the payee to request transfer after checking that the receipt and refund password is correct;

F8. after the payee bank (4) checks the bank card number of the payee, the bank card password of the payee, the payment amount and the bank card number of the payer to be correct, the money of the payment amount is transferred from the account of the bank card number of the payee to the account of the bank card number of the payer at the card issuing bank (3);

F9. after the transfer is successful, the transfer payment center (1) moves the refund transaction record in the customer database to a refund record, and sends the refund success information to the mobile phone (201) of the payee through the webpage of the transfer payment center (1);

F10. the transfer payment center (1) sends a short message to the mobile phone (202) of the payer to inform the payer about details of the refund.

Referring to fig. 8, fig. 8 is an explanatory view of the procedure of the refund operation initiated by the payee through the payee terminal (8), and the method shown in the figure further includes the following group G of procedures, which are the procedures of the refund operation initiated by the payee through the payee terminal (8), and the specific procedures are as follows:

G1. the method comprises the steps that a payee uses a payee terminal (8) of the payee to connect to a webpage of a transfer payment center (1) through an internet (9), then the mobile phone number of the payee is input as a payee login name, and a correct payee login password is input, after the transfer payment center (1) checks that the payee login name and the payee login password are correct, account record data of the payee are found out in a customer database, and the payee terminal (8) of the payee successfully logs in the webpage of the transfer payment center (1); the cash-collecting terminal (8) is a device which can be connected with an internet (9) and comprises a computer terminal capable of surfing the internet, a POS machine capable of surfing the internet, a mobile phone capable of surfing the internet and the like;

G2. the payee enters a refund webpage of the transfer payment center (1) by operating a payee terminal (8) of the payee according to the indication of the webpage of the transfer payment center (1), the transfer payment center (1) finds out all received transaction records of the payee in a customer database, and guides the payee to select the transaction record needing refund on the payee terminal (8) through the indication of the refund webpage;

G3. the transfer payment center (1) finds the phone number of the payee and the phone number of the payer from the transaction record content needing refund, and dials the phone number of the payee;

G4. the mobile phone (201) of the receiver receives the incoming call, the incoming call of the transfer payment center (1) is known from the incoming call number, after the receiver answers, the transfer payment center (1) reads out the payment amount of the transaction record needing refund and the description of the receiving item through computer voice, if the receiver agrees to refund the payment amount of the receiving item to the payer, the confirmation refund information is input on the mobile phone (201) of the receiver; the refund confirmation information comprises a payment password of the payee;

G5. after the transfer payment center (1) receives the confirmed refund information input by the payee, the confirmed refund information input by the payee is checked with the account record of the payee in the customer database, and after the payment password in the confirmed refund information is checked to be correct, the transfer payment center (1) dials the mobile phone number of the payer;

G6. the mobile phone (202) of the payer receives the incoming call, the incoming call is known as the incoming call of the transfer payment center (1) from the incoming call number, after the answer of the payer, the transfer payment center (1) reads the data such as the payment amount of the transaction record needing refund and the description of the collection item through computer voice, if the payer agrees to withdraw the payment amount of the transaction, the confirmation refund information is input on the mobile phone (202) of the payer; the confirmed refund information comprises a refund receiving password of the payer;

G7. the transfer payment center (1) receives the confirmation, receipt and refund information input by the payer, checks the confirmation, receipt and refund information input by the payer with the account record of the payer in the customer database, and transmits the data such as the bank card number of the payee, the bank card password of the payee, the payment amount, the bank card number of the payer and the like to a payee bank (4) of the bank card of the payee to request transfer after checking that the receipt and refund password is correct;

G8. after the payee bank (4) checks the bank card number of the payee, the bank card password of the payee, the payment amount and the bank card number of the payer to be correct, the money of the payment amount is transferred from the account of the bank card number of the payee to the account of the bank card number of the payer at the card issuing bank (3);

G9. after the transfer is successful, the transfer payment center (1) moves the refund transaction record in the customer database to the refund record, sends the refund success information to a receiving terminal (8) of a receiver through a webpage of the transfer payment center (1), and sends a short message to a mobile phone (201) of the receiver by the transfer payment center (1) to inform the receiver of detailed refund information;

G10. the transfer payment center (1) sends a short message to the mobile phone (202) of the payer to inform the payer about details of the refund.

The method and the system for payment through mutual transfer by using the mobile phone are described above in detail, are suitable for transfer payment between individuals and between customers and shops, are simple and convenient to operate, and bring good social and economic benefits when implemented.

Claims

1. A mutual transfer payment method by using mobile phones is characterized in that a payee sends payment request information to a transfer payment center (1) through a mobile phone (201), a payer sends payment confirmation information to the transfer payment center (1), and after the transfer payment center (1) checks that the payment request information of the payee and the payment confirmation information of the payer are correct, money of payment amount specified by contents of the transfer payment request information in a bank card account bound by a mobile phone number of the payer is transferred to the bank card account bound by the mobile phone number of the payee; the bank card account is a debit card account, a credit card account, a withdrawal card account, a bank account, an account opened by a user in a financial institution, or the like.

2. A payment method by mutual transfer through mobile phone as claimed in claim 1, wherein said method further comprises the following group a steps, which is a step of binding a mobile phone number with a bank card number by a user, and the specific steps are as follows:

A4. the user dials an account of the transfer payment center (1) to set a telephone number within a specified time by using the mobile phone (2), the transfer payment center (1) receives an incoming call of the mobile phone (2) of the user, finds a mobile phone telephone number of a user product from the incoming call number, reads prompt information from the user by computer voice after finding an account record of the user from the mobile phone telephone number of the user in a customer database, and guides the user to input data such as a payment password, a refund receiving password, an account setting password, a login password and the like through the mobile phone (2);

3. A payment method by mutual transfer through mobile phone as claimed in claim 1 or 2, wherein said method further comprises the following group B steps, which is a step of a transfer payment operation initiated by a payee, the specific steps are as follows:

4. A method of payment by mutual transfer using a mobile phone as claimed in claim 1 or 2, wherein said method further comprises the following group C steps, which are steps of a transfer payment operation initiated by a payer, and the specific steps are as follows:

5. A payment method by mutual transfer through mobile phone as claimed in claim 1 or 2, wherein said method further comprises the following D group of steps, which is a step of a transfer payment operation initiated by the receiver through the receiver terminal (8), the specific steps are as follows:

6. A method of payment as a mutual transfer between mobile phones as in claim 1 or 2, further comprising the following group E steps, which are transfer payment operations initiated by the payor, and the steps in which the payee receives the payment through the receiving terminal (8), the specific steps being as follows:

7. A payment method by mutual transfer through mobile phone as claimed in claim 1 or 2, wherein said method further comprises the following F group steps, which is a step of a refund operation initiated by a payee, the specific steps being as follows:

8. A payment method by mutual transfer through mobile phone as claimed in claim 1 or 2, wherein said method further comprises the following group G steps, which is a step of a refund operation initiated by the payee through the payee terminal (8), the specific steps are as follows:

9. A payment system transferring money with mobile phone, adopting the payment method transferring money with mobile phone according to any one of claims 1 to 8, characterized in that the system comprises a transfer payment center (1), a mobile phone (2), an issuing bank (3), a receiving bank (4), a mobile phone network (5), a binding terminal (6) and a bank card (7),

wherein,

the transfer payment center (1) is connected with account computer systems of all banks, and comprises account computer systems of all card issuing banks (3) and all receiving banks (4), and is mainly used for processing and checking receiving request information sent by a receiver and confirmed payment information sent by a payer, and performing related transfer work after checking the receiving request information and confirming the correct content of the payment information, and the transfer payment center (1) is connected with a mobile phone network (5), exchanges information data with all mobile phones (2) through the mobile phone network (5), and comprises receiving request information, confirmed payment information sent by the payer and the like, and the transfer payment center (1) simultaneously stores account records of all users, wherein the account records store mobile phone numbers, bank card passwords, payment passwords, receipt and refund passwords of the users, Setting password and login password for account; the transfer payment center (1) can be a computer center of a Unionpay network or a computer center of a payment network with the same function as the Unionpay network; the mobile phone (2) is the mobile phone of a user and comprises a mobile phone (201) of a payee and a mobile phone (202) of a payer, wherein the mobile phone (201) of the payee is a mobile phone with an internet surfing function and can be connected to a webpage of the transfer payment center (1) through a mobile phone network (5);

the card issuing bank (3) is a bank which issues a bank card (7) of a payer;

the collection bank (4) is a bank which issues a bank card (7) of a payee;